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Mobile Payments: Why Secure Element in the Cloud?
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Mobile Payments: Why Secure Element in the Cloud?

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As the debate regarding the best way to provision near field communication (NFC) services continues, ownership of the secure element (SE) is still a major barrier to progress. ...

As the debate regarding the best way to provision near field communication (NFC) services continues, ownership of the secure element (SE) is still a major barrier to progress.

Or is it?

The long discussions between banks, mobile network operators, handset manufacturers and service providers regarding who should ‘own’ the SE and who should manage the access rights, has meant that consumers are still waiting for widespread mobile payments solutions to hit handsets and app stores.


Today, SE in the cloud is no longer a theoretical concept but a tried and tested option for the NFC marketplace. The capability it offers will bring significant benefits to many NFC market participants including cost savings and increased control and security.

1. Independence and direct control
Application developers and service providers do not have to relinquish control of their product. By deploying services to the cloud, no intermediaries are necessary to access the SE. This narrows the gap between application issuers and customers, ensuring a consistent brand and user experience across all available NFC services.

2. Easier integration with third parties
Being in control of the SE allows easy integration with any third party provider and any business model, on your terms. These include mobile network operators, NFC device manufacturers and trusted service managers (TSMs).

3. Lower costs
SE integration in mobile devices is expensive and subject to SE domain fees. By deploying the SE in the cloud, the NFC value chain will be shortened as fewer parties in the ecosystem need to be involved; this leads to lower provisioning costs.

4. Greater security and improved risk management
Direct access to the SE enables instant fraud detection and allows immediate blocking of an application. Additionally, the computing power of an SE in the cloud is higher than that on a mobile device. This offers the option for more advanced on-device risk management. Enhanced security means better customer satisfaction and higher adoption in the long-term.

5. Multiple cards, EMV applications and payment schemes
Storage capacity on a physical SE is limited. In the cloud, storage is scalable and can be expanded to meet individual requirements and to support any card, application and payment scheme. The greater the array of choices available, the more options for developing and expanding the solution in the future.

Ultimately, SE in the cloud is about control. Control of costs, security, partners and, most importantly, management of your solution’s position in the value chain. Players in the NFC ecosystem don’t want to be strong-armed into agreements with other companies because it is ‘necessary’; mutually beneficial and productive relationships will drive this ecosystem forward and offer genuinely valuable services to consumers.

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Mobile Payments: Why Secure Element in the Cloud? Presentation Transcript

  • 1. Mobile payments:Why Secure Element in the Cloud?
  • 2. As the debate regarding the best way to provisionnear field communication (NFC) services continues,ownership of the secure element (SE) is still amajor barrier to progress.Or is it?Mobile payments: Why SE in the cloud?
  • 3. The long discussions between banks, mobilenetwork operators, handset manufacturers and serviceproviders regarding who should ‘own’ the SE andwho should manage the access rights, has meant thatconsumers are still waiting for widespreadmobile payments solutions to hit handsets and appstores.
  • 4. Today, SE in the cloud is no longer atheoretical concept but a tried and tested optionfor the marketplace. The capability it offers will bringsignificant benefits to many NFC market participantsincluding cost savings and increased control andsecurity.
  • 5. By moving the SE to a remote environment (thecloud), the intricacies and costs of managing a physicalSE can be bypassed. The benefits of SE in the cloudare numerous – here we share with you our top fivereasons to consider this form factor:
  • 6. 1. Independence and direct controlApplication developers and service providers donot have to relinquish control of their product. Bydeploying services to the cloud, no intermediaries arenecessary to access the SE. This narrows the gapbetween application issuers and customers, ensuringa consistent brand and user experience across allavailable NFC services.
  • 7. SE IssuerSE NFCSEProvisioning via a physical secure element:access via the SE issuerProvisioning via a secure element in the cloud:direct access to SENFCApplication IssuerApplication Issuer
  • 8. 2. Easier integration with third partiesBeing in control of the SE allows easy integrationwith any third party provider and any businessmodel, on your terms. These include mobile networkoperators, NFC device manufacturers and trusted servicemanagers (TSMs).
  • 9. SE integration in mobile devices is expensive andsubject to SE domain fees. By deploying the SE in thecloud, the NFC value chain will be shortened asfewer parties in the ecosystem need to be involved; thisleads to lower provisioning costs. 3. Lower costs
  • 10. Direct access to the SE enables instant frauddetection and allows immediate blocking of anapplication. Additionally, the computing power of anSE in the cloud is higher than that on a mobile device.This offers the option for more advanced on-device riskmanagement. 4. Greater security and improved risk management
  • 11. Storage capacity on a physical SE is limited. In thecloud, storage is scalable and can be expanded tomeet individual requirements and to supportany card, application and payment scheme. Thegreater the array of choices available, the more optionsfor developing and expanding the solution in the future. 5. Multiple cards, EMV applications and payment schemes
  • 12. Additionally, for those worried about connectivityissues, SE in the cloud can also pre-authorisepayments, allowing consumers to make transactionseven when a connection to the server cannot beestablished.
  • 13. Ultimately, SE in the cloud is about control. Controlof costs, security, partners and, most importantly,management of your solution’s position in the valuechain. Players in the NFC ecosystem do not want to bestrong-armed into agreements with other companiesbecause it is ‘necessary’; mutually beneficial andproductive relationships will drive this ecosystemforward and offer genuinely valuable services toconsumers. Conclusion
  • 14. For more information, please download ourSecure Element in the Cloud brochurewww.bellid.com
  • 15. With over 20 years of expertise, Bell ID is considered the world’s leading provider oflifecycle management solutions for tokens (e.g. smart cards, mobile NFC phones)deployed in single and multi-application programmes.www.bellid.comDavid OrmeChief Executive Officerinfo@bellid.com