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From plastic to secured bits. A mobile wallet for virtual cards on the mobile phone.
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From plastic to secured bits. A mobile wallet for virtual cards on the mobile phone.

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Mobile wallets are not only for payments. Mobile wallets will only be successfull if they incorporate loyalty programs, coupons, keys, online identity. The APIs and data must be open. A mobile wallet …

Mobile wallets are not only for payments. Mobile wallets will only be successfull if they incorporate loyalty programs, coupons, keys, online identity. The APIs and data must be open. A mobile wallet is not owned by the wallet operator but by the wallet user.

This slide deck describes the architecture of the mobile wallet and the eco system the mobile wallet is embedded in.

This architecture was developed in a project of Telekom Innovation Laboratories.

The mobile wallet is
open to all cards/services.
Multiple cards for Identity, Payment, Loyalty, Coupons, …
Provide framework to support major “standards”.
User centric.
Privacy build-in.
Support mobile and web.
Open to all operators.


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  • http://www.bestofmicro.com/actualite/23263-nfc-sim.html http://www.bladox.cz/products.php?lang=en http://www.secureidnews.com/2008/12/05/g-d-announces-mobile-security-card
  • http://www.slashgear.com/apple-iphone-5-nfc-plans-include-remote-mac-access-claims-source-02111705/ http://www.rfid-blog.com/?p=204
  • http://www.slashgear.com/apple-iphone-5-nfc-plans-include-remote-mac-access-claims-source-02111705/ http://www.rfid-blog.com/?p=204
  • http://www.slashgear.com/apple-iphone-5-nfc-plans-include-remote-mac-access-claims-source-02111705/ http://www.rfid-blog.com/?p=204
  • http://www.slashgear.com/apple-iphone-5-nfc-plans-include-remote-mac-access-claims-source-02111705/ http://www.rfid-blog.com/?p=204
  • http://www.slashgear.com/apple-iphone-5-nfc-plans-include-remote-mac-access-claims-source-02111705/ http://www.rfid-blog.com/?p=204
  • JSR177 only availble on some phones. Currently not on Android (yet?). iPhone API not available.
  • 16.04.2009 Autor / Thema der Präsentation
  • Transcript

    • 1. Life is for sharing.From plastic to secured bits – a walletfor virtual cards on the mobile phone.Axel Nennker, Deutsche Telekom LaboratoriesDecember 8, 2010
    • 2. 8.12.20102Deutsche Telekom LaboratoriesAgenda. Devices. User Interfaces Information Flow Current Architectures Architecture Wrap-up / Conclusions
    • 3. Devices.
    • 4. 8.12.20104Deutsche Telekom LaboratoriesMobile Wallet Evolution: Past to Present.Billions of simple phones.Nokia 6131 Nokia 6212 Samsung
    • 5. 8.12.20105Deutsche Telekom LaboratoriesMobile Wallet Evolution: Past to Present.Billions (?) of simple phones: NFCNokia 6131 NFC Nokia 6212 NFC Samsung Star NFC
    • 6. 8.12.20106Deutsche Telekom LaboratoriesMobile Wallet Evolution: Past to Present.Billions (?) of simple phones: UICC accessNokia 6131Secure elementNokia 6212 NFCSecure elementSamsung Star NFC
    • 7. 8.12.20107Deutsche Telekom LaboratoriesMobile Wallet Evolution: Future.Smart Phones with NFCiPhone 5 with NFC Nexus S with NFC
    • 8. 8.12.20108Deutsche Telekom LaboratoriesMobile Wallet Evolution: Past to Present.Bridging Technology.Gemalto NFC SIMBladdoxG&D microSD
    • 9. 8.12.20109Deutsche Telekom LaboratoriesMobile Wallet Evolution: History.PCs with NFC.Mac and iPhones with NFCLenovo with NFC
    • 10. User Interfaces.
    • 11. 8.12.201011Deutsche Telekom LaboratoriesMobile Wallet Evolution UI.Browser on PC.
    • 12. 8.12.201012Deutsche Telekom LaboratoriesMobile Wallet Evolution UI.Browser on Smart Phone.
    • 13. 8.12.201013Deutsche Telekom LaboratoriesMobile Wallet Evolution UI.Azigo for iPhone.
    • 14. 8.12.201014Deutsche Telekom LaboratoriesMobile Wallet Evolution UI.T-Labs UI.
    • 15. 8.12.201015Deutsche Telekom LaboratoriesMobile Wallet Evolution.In App Invocation of Wallet: top-up, fund
    • 16. Flows.
    • 17. 8.12.201017Deutsche Telekom LaboratoriesSISntity Metasystem Interoperability Version 1.0OASIS identity-1.0-spec-os.pdf
    • 18. 8.12.201018Deutsche Telekom LaboratoriesSISntity Metasystem Interoperability Version 1.0OASIS identity-1.0-spec-os.pdfOther ProtocolsOpenIDSAMLOauthProprietary Payment
    • 19. 8.12.201019Deutsche Telekom LaboratoriesMVCoontactless Mobile Payment ArchitectureEMVCo20090915_AAUI 1 .pdfEMVCoContactless_Mobile_Payment_Architecture_Overview_2010062808363068.pdf
    • 20. 8.12.201020Deutsche Telekom LaboratoriesMAsted Service Manager Service ManagementGSMAEPC_GSMA_TSM_WP_V1.pdfGSMAInternational RemittanceService ProvidersWhitePaper(digital).pdf
    • 21. 8.12.201021Deutsche Telekom LaboratoriesMobile Wallet Proof of Concept.Proprietary functional architecture for J2ME platform.JSR177/257NFC/SWPHTTP(s)ServiceProvisionOTA-API(TSM)User/NFCHandsetCard Issuer /ServiceProviderRetailerSecureElement
    • 22. 8.12.201022Deutsche Telekom LaboratoriesMobile Wallet Proof of Concept.System architecture for UICC enabled phones.
    • 23. 8.12.201023Deutsche Telekom LaboratoriesMobile Wallet Proof of Concept.Wallet API.Open
    • 24. 8.12.201024Deutsche Telekom LaboratoriesMobile Wallet Proof of Concept.Wallet API.Open
    • 25. Have abreak.
    • 26. 8.12.201026Deutsche Telekom LaboratoriesMobile Wallet Evolution.One wallet to rule them all?€ P2P Online Shopping Online Banking ATM Access Tickets Point of Sale Payment Loyalty Services Facility Access Online Authentication Online Authorization In-App Authn (Cloud Access)VDV KA
    • 27. Architecture.
    • 28. 8.12.201028Deutsche Telekom LaboratoriesInformation Card Metadata about the issuer, the user’sattribute... Information Card is a card with a defined datapackage. Standardized by OASIS (Organization for theAdvancement of Structured InformationStandards). Needs to support multiple protocols otherthan WS-* Needs to support Telco authentication Support for mobile devices (lean data andprotocol)Mobile Wallet Evolution: Overall Future WalletArchitecture.Two card categories from technical point of view.Application Card Generally, the Application Card will be usedfor proximity transactions. Application Card is a card with a dedicatedapplication and application logic (e.g. VISApayWave). The communication protocol betweendifferent kind of Application Cards andacceptance systems/relying parties can bevery different.VDV KA
    • 29. 8.12.201029Deutsche Telekom LaboratoriesWWWCloudMobile Wallet Evolution: Overall Future WalletArchitecture.Future wallet enables both proximity and internetapplications.WalletGUICoreConnector ReceiverStorageCard HandlerControllerCard ManagerConfigurationCard Receiver APIStorage APIRequest Router APICard Handler APICard SelectorFuture Wallet ArchitectureExecutionRuntimeEnvironmentCommunicationChannelsCard Meta DataTransactionDataCardDeploymentChannelsUserInterfaceLayerUserInterfaceLayerManagement and AppLogicLayerManagement and AppLogicLayerComm.andStorageLayerComm.andStorageLayerNFC IP Networks OTA File SystemsAcceptance systems / RelyingpartiesPhysical storage mediumsCards / Applications
    • 30. 8.12.201030Deutsche Telekom LaboratoriesWWWCloudMobile Wallet Evolution: Overall Future WalletArchitecture.Management and App Logic.WalletGUICoreConnector ReceiverStorageCard HandlerControllerCard ManagerConfigurationCard Receiver APIStorage APIRequest Router APICard Handler APICard SelectorFuture Wallet ArchitectureExecutionRuntimeEnvironmentCommunicationChannelsCard Meta DataTransactionDataCardDeploymentChannelsUserInterfaceLayerUserInterfaceLayerManagement and AppLogicLayerManagement and AppLogicLayerComm.andStorageLayerComm.andStorageLayerNFC IP Networks OTA File SystemsAcceptance systems / RelyingpartiesPhysical storage mediumsCards / ApplicationsCard Usage Card management
    • 31. 8.12.201031Deutsche Telekom LaboratoriesWWWCloudMobile Wallet Evolution: Overall Future WalletArchitecture.Management and App Logic: Management.WalletGUICoreConnector ReceiverStorageCard HandlerControllerCard ManagerConfigurationCard Receiver APIStorage APIRequest Router APICard Handler APICard SelectorFuture Wallet ArchitectureExecutionRuntimeEnvironmentCommunicationChannelsCard Meta DataTransactionDataCardDeploymentChannelsUserInterfaceLayerUserInterfaceLayerManagement and AppLogicLayerManagement and AppLogicLayerComm.andStorageLayerComm.andStorageLayerNFC IP Networks OTA File SystemsAcceptance systems / RelyingpartiesPhysical storage mediumsCards / Applications1. Import Card2. Export Card3. Synchronize Card4. Edit Card
    • 32. 8.12.201032Deutsche Telekom LaboratoriesWWWCloudMobile Wallet Evolution: Overall Future WalletArchitecture.Management and App Logic: Usage.WalletGUICoreConnector ReceiverStorageCard HandlerControllerCard ManagerConfigurationCard Receiver APIStorage APIRequest Router APICard Handler APICard SelectorFuture Wallet ArchitectureExecutionRuntimeEnvironmentCommunicationChannelsCard Meta DataTransactionDataCardDeploymentChannelsUserInterfaceLayerUserInterfaceLayerManagement and AppLogicLayerManagement and AppLogicLayerComm.andStorageLayerComm.andStorageLayerNFC IP Networks OTA File SystemsAcceptance systems / RelyingpartiesPhysical storage mediumsCards / Applications1. GetToken -> Request Router2. Card Selector (2 Mastercards)3. Card Handler talks to Backend4. Write Transaction Data
    • 33. 8.12.201033Deutsche Telekom LaboratoriesWWWCloudMobile Wallet Evolution: Overall Future WalletArchitecture.Communication and Storage: Storage.WalletGUICoreConnector ReceiverStorageCard HandlerControllerCard ManagerConfigurationCard Receiver APIStorage APIRequest Router APICard Handler APICard SelectorFuture Wallet ArchitectureExecutionRuntimeEnvironmentCommunicationChannelsCard Meta DataTransactionDataCardDeploymentChannelsUserInterfaceLayerUserInterfaceLayerManagement and AppLogicLayerManagement and AppLogicLayerComm.andStorageLayerComm.andStorageLayerNFC IP Networks OTA File SystemsAcceptance systems / RelyingpartiesPhysical storage mediumsCards / Applications1. Device storage2. UICC3. Cloud
    • 34. 8.12.201034Deutsche Telekom LaboratoriesWWWCloudMobile Wallet Evolution: Overall Future WalletArchitecture.Communication and Storage: Deployment.WalletGUICoreConnector ReceiverStorageCard HandlerControllerCard ManagerConfigurationCard Receiver APIStorage APIRequest Router APICard Handler APICard SelectorFuture Wallet ArchitectureExecutionRuntimeEnvironmentCommunicationChannelsCard Meta DataTransactionDataCardDeploymentChannelsUserInterfaceLayerUserInterfaceLayerManagement and AppLogicLayerManagement and AppLogicLayerComm.andStorageLayerComm.andStorageLayerNFC IP Networks OTA File SystemsAcceptance systems / RelyingpartiesPhysical storage mediumsCards / Applications1. OTA2. File System3. SMS / MMS4. Download
    • 35. 8.12.201035Deutsche Telekom LaboratoriesWWWCloudMobile Wallet Evolution: Overall Future WalletArchitecture.Communication and Storage: CommunicationChannels.WalletGUICoreConnector ReceiverStorageCard HandlerControllerCard ManagerConfigurationCard Receiver APIStorage APIRequest Router APICard Handler APICard SelectorFuture Wallet ArchitectureExecutionRuntimeEnvironmentCommunicationChannelsCard Meta DataTransactionDataCardDeploymentChannelsUserInterfaceLayerUserInterfaceLayerManagement and AppLogicLayerManagement and AppLogicLayerComm.andStorageLayerComm.andStorageLayerNFC IP Networks OTA File SystemsAcceptance systems / RelyingpartiesPhysical storage mediumsCards / Applications1. NFC2. C2DM / Push3. Bluetooth4. USB Cable5. SMS6. USSD
    • 36. .
    • 37. 8.12.2010 37Deutsche Telekom LaboratoriesWrap-upMobile Wallet Evolution. Open to all cards. Multiple cards for Identity, Payment, Loyalty, Coupons, … Provide framework to support major “standards”. User centric. Privacy build-in. Support mobile and web. Open to all operators.
    • 38. 8.12.2010 38Deutsche Telekom LaboratoriesStill a lot of work to do.I believe that we will see multi-card wallets in the wild in 2011.Wrap-upMobile Wallet Evolution.
    • 39. Life is for sharing.Thank you for your attention.