MasterCard and Penrillian Partnership in NFC

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Presentation by Ian Hetherington of Penrillianat the June 2014 NFC Forum Tap Into NFC Developer Event.

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  • Orange Cash began development in 2012: phased approach, beginning with account management before moving on to NFC payments. App released on Android and iPhone (+ built for BlackBerry, but not released).
    Product evolved to become EE Cash on Tap with total app re-write for new EE brand and to include payments.
    Penrillian involved in building the mobile apps and building the app server between the apps and the PPS backend (authentication, streamlining data [SOAP -> JSON], push capability, forced upgrade).
  • Approached by MasterCard to build a mobile payment app on BlackBerry (originally, as it was their company-issued device) and Android. Motivation was to help prove the capabilities of their newly created SDK and evangelise mobile payments within MasterCard. Target audience was ~250 at MasterCard Belgian HQ, Waterloo. Project required collaboration between:
    MasterCard (product owner)
    PrePay Solutions (issuer, processor)
    Oberthur (SIM personalisation and cardlet)
    Mobistar (SIM/Network provider)
    Penrillian (App developers)
  • Approached by MasterCard to build a mobile payment app on BlackBerry (originally, as it was their company-issued device) and Android. Motivation was to help prove the capabilities of their newly created SDK and evangelise mobile payments within MasterCard. Target audience was ~250 at MasterCard Belgian HQ, Waterloo. Project required collaboration between:
    MasterCard (product owner)
    PrePay Solutions (issuer, processor)
    Oberthur (SIM personalisation and cardlet)
    Mobistar (SIM/Network provider)
    Penrillian (App developers)
  • MMPP UI SDK is free to use but you have to be licensed. App and SDK can be used in any way desired – all source code available.
    Quickest route to market: Integrate existing MasterCard White Label with Penrillian-developed account management code.
    In order to run the WL app, all that was needed was persoed SIM with known AID. SIMs were ‘hand-printed’ by Oberthur so no need to set up an OTA provisioning process.
    Penrillian managed all aspects of software build, including bespoke amendments to the MasterCard White Label – it wasn’t perfect!

    MasterCard SDK handles payments.
    Penrillian code manages account behind the payments:
    Add funding source
    Load card
    View balance and transactions history
    App security for authentication, PIN management, and inactivity.
    App ready to be deployed to initial MasterCard trial users in Belgium.
  • MasterCard and Penrillian Partnership in NFC

    1. 1. MasterCard and Penrillian Partnership in NFC Ian Hetherington Head of Sales and Marketing | Penrillian June 17, 2014 | Edinburgh
    2. 2. Why we’re here… Introduce ourselves (first time at NFC Forum today!) Introduce MasterCard Tap & Go. Explain how we built Tap & Go using the Mobile MasterCard PayPass UI SDK. + =
    3. 3. Who we are…
    4. 4. Penrillian and Mobile Payments a/c management app server PrePay Solutions Financial Backend
    5. 5. MasterCard Tap & Go Challenge: Build an NFC payment app with the MasterCard MMPP UI SDK and integrate with a prepaid card.
    6. 6. Business Context Pilot with Mobistar and MasterCard 500 staff of MasterCard Belgium office and identified Mobistar users PPS as issuer, processor and programme manager Penrillian as mobile technology partner Oberthur as Sim card fulfilment partner Using the MasterCard SDK Linked to a mobile Application Use “Virtual Card” for online payments Real-time balance and transaction history shown in App Available on Samsung Galaxy S4
    7. 7. How we did it… UI App (Payment) Mobile Device UI Component API MMPP Payment API MMPP UI API MMPP Cardlet* Secure Element Business Logic API PPSE MMPP Cardlet- Mobile MasterCard PayPass cardlet Application Image from MasterCard MMPPUI Presentation © 2011 PPS Mobile App Server PPS Authorisation Platform
    8. 8. Outcome
    9. 9. Lessons learned… SDK White Label App works A great reference app for those looking to integrate SDK was easy to customise, e.g. we used custom data fields on the SIM cardlet. We built it (twice) and it works – you could too!

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