HCE cloud payments internet services August 2015
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HCE Service Limited provides end-to-end mobile payment services including HCE token issuance and payment processing. They help card issuers implement HCE projects through strategic analysis, system design, implementation, testing, and support. Their services follow security requirements for mobile internet payments like authentication, signatures, integrity, and confidentiality. They offer a secure payment model with a mobile app, token issuance, and payments network connecting users, merchants and payment processors through their cloud platform.
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Host Card Emulation
Host Card Emulation (HCE) allows Android NFC devices to function like smart cards and emulate contactless card payments without a secure element. HCE stores card data in the device's memory rather than a secure element, enabling multiple payment wallets on a device. Implementing HCE requires declaring an NFC service in the manifest, registering Application IDs (AIDs) for card emulation, and processing Application Protocol Data Unit (APDU) commands from NFC readers in the onCommandApdu() method of a HostApduService. HCE services must also handle AID conflicts if multiple services use the same AID and ensure security through permissions and Android application sandboxing.
What is Host Card Emulation (HCE)?
What is Host Card Emulation (HCE)?
Android KitKat 4.4 enables NFC-based transactions through host card emulation (HCE).
First, what is card emulation?
Card emulation allows a mobile device to mimic a payment card.
In essence, the device becomes a contactless card.
This card can be used to make purchases, display tickets and present identification.
It transmits the data received from the terminal between the NFC device to the secure element (SE).
The physical SE is embedded in the phone or contained within the SIM card/ UICC.
However, using a physical SE for mobile payments has its downsides:
1. Complex business models are required to gain access.
2. This creates dependencies that make it complex and expensive to interact.
3. Application issuers need agreements with SE issuers who need to connect with the mobile handsets.
4. Limited storage capacity of the SE and processing speed.
HCE enables the SE to be placed in a hosted cloud environment, rather than the mobile device.
Service providers can take control of their applications by insourcing an SE in the Cloud platform:
1. It eases the use of NFC mobile payment services.
2. Application issuers can provision their apps directly to the device without third party intervention.
3. It shortens the value chain as fewer parties need to be involved, lowering provisioning costs.
4. Direct access to the SE enables instant fraud detection and allows immediate blocking on apps.
5. Greater processing power and storage capacity that enables more advanced risk management.
6. Without intermediaries the gap between application issuers and consumers becomes smaller.
This results in consistent brand and user experience across all NFC services.
Interested in host card emulation and its influence on the industry? Watch our video.
Host Card Emulation in Android: What Does it Mean?
Host Card Emulation in Android: What Does it Mean?
Android KitKat 4.4 spreads a new buzz around Host Card Emulation (HCE).
HCE is wind in the sails of near field communication (NFC) based transactions.
But what exactly is HCE?
HCE is the virtual representation of a smart card using only software.
It allows a mobile device to emulate a payment card and make NFC mobile payments.
Transaction credentials no longer need to be stored inside the phone (the secure element) but can be hosted remotely: in the cloud.
This offers more control and direct access to application issuers: it eases the use of NFC.
Android dominates 81% (3rd quarter of 2013) of global smartphone shipments.
Service Providers (SPs) are now able to offer direct services to a large majority of smartphone users.
What does all this mean?
HCE is now a viable alternative for many card emulation projects since no physical secure element is needed in the phone.
Service providers now have more available business models and partners to work with.
HCE is ideal for solutions where a physical secure element adds insufficient value to justify additional costs: loyalty – couponing – access control
Service providers can also opt for a hybrid solution: use the flexibility of the cloud with the security of the physical secure element.
The cloud offers greater processing power and greater storage to load any number of cards…
…while the physical secure element contains the levels of accepted security.
Interested to learn more? Watch our video!
HCE and Beyond: How Early Opportunities Can Accelerate NFC Growth
The document discusses the role of the NFC Forum in accelerating growth of NFC technology. It describes how the NFC Forum develops standards and specifications to ensure interoperability, educates people about NFC, and enables implementations of host card emulation (HCE). Examples are given of financial institutions, transit agencies, and retailers that are using HCE for mobile payments and other applications. The NFC Forum aims to drive broader adoption through special interest groups, liaison partnerships, and a new developer program.
The Impact of HCE on NFC Adoption
The emergence of HCE as a viable NFC payment model has generated new excitement throughout the NFC ecosystem. The NFC Forum, which supports HCE through its NFC Controller Interface (NCI) specification and ISO 14443 and JIS X 6319-4 industry standards, believes that more implementations mean greater choice for NFC solutions providers. In this presentation, Paula Hunter, Executive Director from the NFC Forum, outlines the impact HCE is expected to have on the NFC ecosystem and NFC adoption, and presents HCE use cases. In addition, she explains the key role NFC’s other operating modes — peer-to-peer and read/write — will have in helping to drive growth in all forms of NFC payment.
Ewallet
The document discusses e-wallets, which allow users to store multiple payment card and bank account numbers digitally to make online purchases faster. E-wallets eliminate the need to re-enter payment details for each transaction. They can be client-side, storing information locally, or server-side, storing data remotely on a server. Near field communication (NFC) technology and secure chips allow phones to securely store digital payment information and authentication details to make contactless payments. The document outlines the types, components, technologies, features, advantages and disadvantages of e-wallets.
What is a Token Service Provider?
To increase the security of mobile payments, many payment schemes nowadays apply a technology called tokenization.
Tokenization is the process of replacing an existing payment card number with a surrogate value (token).
This token is used during a payment transaction, keeping the original card number safe.
A Token Service Provider (TSP) is an entity within the payments ecosystem that generates and manages tokens.
The TSP maps the original card number with the payment tokens and stores this safely in a token vault.
Often these tokens can only be used in a specific domain such as a merchant’s online website or channel, limiting the risk even further.
A TSP manages the entire lifecycle of payment credentials including: Token Requestor Authorization Host
1. Tokenization: Replaces the PAN with a payment token.
2. De-tokenization: Converts the token back to the PAN using the token vault.
3. Token vault: Establishes and maintains the payment token to PAN mapping.
4. Domain management: Adds additional security by restricting tokens to be used within specific (retail) channels or domains.
5. Identification and verification: Ensures that the payment token is replacing a PAN that was legitimately used by the token requestor.
6. Clearing and settlement: Ad-hoc de-tokenization during clearing and settlement process.
Issuers, acquirers and merchants that wish to offer mobile and/or digital payments to customers can become a TSP.
Becoming your own TSP gives full control over the tokenization process: creation, storage, issuance and management.
By having your own TSP, you are in full control of digital payments by issuing tokens directly without third party intervention.
By using a third party TSP from the payment schemes, issuers need to integrate with each payment scheme.
Benefits of having you own TSP:
1. Reduce long term costs: no additional TSP fees from the payment schemes.
2. On-us transactions: save on transaction fees when you are the issuing as well as the acquiring bank.
3. Banks retain their privacy because data and roadmaps do not have to be shared with the schemes.
4. Keep track of customer payment behavior to gain valuable insight and be able to offer personalized services.
5. Expand to multiple use cases. Host Card Emulation Embedded SE Internet: Card-Not-Present Value added services / non-card payments
6. Have your own strategy and be future proof in order to stay competitive.
Bell ID® Token Service Provider enables issuers and processors to perform the role of a Token Service Provider.
E-Wallet & MLM Software Solution
This document discusses e-wallets and how they can enhance multi-level marketing (MLM) software. It defines an e-wallet as a secure way to store payment information to streamline transactions. Integrating e-wallets with MLM software allows for speedy, safe transactions when purchasing or selling products. E-wallets facilitate cash-in processes like commissions and bonuses as well as cash-out processes like withdrawals and payments. The document also describes the e-wallet features provided by the MLM software company Ventaforce, including separate login credentials and a ledger to track transfers.
Recommended
Host Card Emulation
Host Card Emulation (HCE) allows Android NFC devices to function like smart cards and emulate contactless card payments without a secure element. HCE stores card data in the device's memory rather than a secure element, enabling multiple payment wallets on a device. Implementing HCE requires declaring an NFC service in the manifest, registering Application IDs (AIDs) for card emulation, and processing Application Protocol Data Unit (APDU) commands from NFC readers in the onCommandApdu() method of a HostApduService. HCE services must also handle AID conflicts if multiple services use the same AID and ensure security through permissions and Android application sandboxing.
What is Host Card Emulation (HCE)?
What is Host Card Emulation (HCE)?
Android KitKat 4.4 enables NFC-based transactions through host card emulation (HCE).
First, what is card emulation?
Card emulation allows a mobile device to mimic a payment card.
In essence, the device becomes a contactless card.
This card can be used to make purchases, display tickets and present identification.
It transmits the data received from the terminal between the NFC device to the secure element (SE).
The physical SE is embedded in the phone or contained within the SIM card/ UICC.
However, using a physical SE for mobile payments has its downsides:
1. Complex business models are required to gain access.
2. This creates dependencies that make it complex and expensive to interact.
3. Application issuers need agreements with SE issuers who need to connect with the mobile handsets.
4. Limited storage capacity of the SE and processing speed.
HCE enables the SE to be placed in a hosted cloud environment, rather than the mobile device.
Service providers can take control of their applications by insourcing an SE in the Cloud platform:
1. It eases the use of NFC mobile payment services.
2. Application issuers can provision their apps directly to the device without third party intervention.
3. It shortens the value chain as fewer parties need to be involved, lowering provisioning costs.
4. Direct access to the SE enables instant fraud detection and allows immediate blocking on apps.
5. Greater processing power and storage capacity that enables more advanced risk management.
6. Without intermediaries the gap between application issuers and consumers becomes smaller.
This results in consistent brand and user experience across all NFC services.
Interested in host card emulation and its influence on the industry? Watch our video.
Host Card Emulation in Android: What Does it Mean?
Host Card Emulation in Android: What Does it Mean?
Android KitKat 4.4 spreads a new buzz around Host Card Emulation (HCE).
HCE is wind in the sails of near field communication (NFC) based transactions.
But what exactly is HCE?
HCE is the virtual representation of a smart card using only software.
It allows a mobile device to emulate a payment card and make NFC mobile payments.
Transaction credentials no longer need to be stored inside the phone (the secure element) but can be hosted remotely: in the cloud.
This offers more control and direct access to application issuers: it eases the use of NFC.
Android dominates 81% (3rd quarter of 2013) of global smartphone shipments.
Service Providers (SPs) are now able to offer direct services to a large majority of smartphone users.
What does all this mean?
HCE is now a viable alternative for many card emulation projects since no physical secure element is needed in the phone.
Service providers now have more available business models and partners to work with.
HCE is ideal for solutions where a physical secure element adds insufficient value to justify additional costs: loyalty – couponing – access control
Service providers can also opt for a hybrid solution: use the flexibility of the cloud with the security of the physical secure element.
The cloud offers greater processing power and greater storage to load any number of cards…
…while the physical secure element contains the levels of accepted security.
Interested to learn more? Watch our video!
HCE and Beyond: How Early Opportunities Can Accelerate NFC Growth
The document discusses the role of the NFC Forum in accelerating growth of NFC technology. It describes how the NFC Forum develops standards and specifications to ensure interoperability, educates people about NFC, and enables implementations of host card emulation (HCE). Examples are given of financial institutions, transit agencies, and retailers that are using HCE for mobile payments and other applications. The NFC Forum aims to drive broader adoption through special interest groups, liaison partnerships, and a new developer program.
The Impact of HCE on NFC Adoption
The emergence of HCE as a viable NFC payment model has generated new excitement throughout the NFC ecosystem. The NFC Forum, which supports HCE through its NFC Controller Interface (NCI) specification and ISO 14443 and JIS X 6319-4 industry standards, believes that more implementations mean greater choice for NFC solutions providers. In this presentation, Paula Hunter, Executive Director from the NFC Forum, outlines the impact HCE is expected to have on the NFC ecosystem and NFC adoption, and presents HCE use cases. In addition, she explains the key role NFC’s other operating modes — peer-to-peer and read/write — will have in helping to drive growth in all forms of NFC payment.
Ewallet
The document discusses e-wallets, which allow users to store multiple payment card and bank account numbers digitally to make online purchases faster. E-wallets eliminate the need to re-enter payment details for each transaction. They can be client-side, storing information locally, or server-side, storing data remotely on a server. Near field communication (NFC) technology and secure chips allow phones to securely store digital payment information and authentication details to make contactless payments. The document outlines the types, components, technologies, features, advantages and disadvantages of e-wallets.
What is a Token Service Provider?
To increase the security of mobile payments, many payment schemes nowadays apply a technology called tokenization.
Tokenization is the process of replacing an existing payment card number with a surrogate value (token).
This token is used during a payment transaction, keeping the original card number safe.
A Token Service Provider (TSP) is an entity within the payments ecosystem that generates and manages tokens.
The TSP maps the original card number with the payment tokens and stores this safely in a token vault.
Often these tokens can only be used in a specific domain such as a merchant’s online website or channel, limiting the risk even further.
A TSP manages the entire lifecycle of payment credentials including: Token Requestor Authorization Host
1. Tokenization: Replaces the PAN with a payment token.
2. De-tokenization: Converts the token back to the PAN using the token vault.
3. Token vault: Establishes and maintains the payment token to PAN mapping.
4. Domain management: Adds additional security by restricting tokens to be used within specific (retail) channels or domains.
5. Identification and verification: Ensures that the payment token is replacing a PAN that was legitimately used by the token requestor.
6. Clearing and settlement: Ad-hoc de-tokenization during clearing and settlement process.
Issuers, acquirers and merchants that wish to offer mobile and/or digital payments to customers can become a TSP.
Becoming your own TSP gives full control over the tokenization process: creation, storage, issuance and management.
By having your own TSP, you are in full control of digital payments by issuing tokens directly without third party intervention.
By using a third party TSP from the payment schemes, issuers need to integrate with each payment scheme.
Benefits of having you own TSP:
1. Reduce long term costs: no additional TSP fees from the payment schemes.
2. On-us transactions: save on transaction fees when you are the issuing as well as the acquiring bank.
3. Banks retain their privacy because data and roadmaps do not have to be shared with the schemes.
4. Keep track of customer payment behavior to gain valuable insight and be able to offer personalized services.
5. Expand to multiple use cases. Host Card Emulation Embedded SE Internet: Card-Not-Present Value added services / non-card payments
6. Have your own strategy and be future proof in order to stay competitive.
Bell ID® Token Service Provider enables issuers and processors to perform the role of a Token Service Provider.
E-Wallet & MLM Software Solution
This document discusses e-wallets and how they can enhance multi-level marketing (MLM) software. It defines an e-wallet as a secure way to store payment information to streamline transactions. Integrating e-wallets with MLM software allows for speedy, safe transactions when purchasing or selling products. E-wallets facilitate cash-in processes like commissions and bonuses as well as cash-out processes like withdrawals and payments. The document also describes the e-wallet features provided by the MLM software company Ventaforce, including separate login credentials and a ledger to track transfers.
Target NFC HCE 3.0 - digital bank - 2015 Ukraine
This document discusses an NFC HCE mobile wallet solution that allows users to make mobile payments with their phones instead of plastic cards or cash. It works by enabling banks to issue digital cards through a universal mWallet platform that supports online and in-person transactions on Android and iOS devices using standards from Visa, Mastercard, and other payment systems. The platform is secure, aligned with payment network specifications, and gives banks independence by allowing them to provide digital cards beyond their own apps and enabling an open mWallet app for other banks.
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Digital wallets allow users to store payment and shipping information for online purchases. They function similarly to physical wallets by holding credit cards, cash, IDs, and contact details. Users can transfer funds from their bank account to their digital wallet to make purchases online. Popular e-wallet providers include PayTM, Google Wallet, and Yahoo Wallet, which offer conveniences like automatic form-filling and loyalty programs, though security and outages pose risks. The future of e-wallets may include automatic bill payment, integrated access to personal information, and person-to-person payments using enabled devices.
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Known as a disrupter in the banking industry in the DACH region, our client wanted to become one of the first adopters of Apple Pay technology in Germany. Find out how Intellias' experts helped to integrate Google Pay and Apple Pay for contactless payment processing: https://www.intellias.com/integrating-apple-pay-and-google-pay-services-for-contactless-payment-processing/
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A digital wallet allows users to store payment and loyalty card information electronically rather than physically. It authenticates users and facilitates contactless payment using technologies like near field communication (NFC). Digital wallets provide advantages over physical wallets like convenience, flexibility, and safety. While systems issues, security concerns, and user experience challenges remain, major companies are developing digital wallet applications that can be used to pay at retail locations and transfer funds between individuals.
Digital wallet
A digital wallet allows users to make electronic payments by storing payment information and identifying credentials securely on their device or online. It hides the complexity of payment processing from the user and can manage multiple payment options and IDs from one place. Digital wallets are either client-based software installed on a user's device or server-based where a company maintains the wallet information online. Both provide convenience for users and benefits for merchants through automated forms and payment processing. Emerging technologies like near-field communication enable new ways for digital wallets to securely complete transactions wirelessly.
Ewallet
The document discusses e-wallets as a future replacement for traditional cards. E-wallets use smart card technology with microprocessor chips that allow for processing of multiple applications. They have advantages over traditional cards like unlimited lifetime, ability to store balances, and universal acceptance. E-wallets are supported on platforms like Windows PC, Apple iOS, Blackberry, and Windows Mobile devices to enable paperless money transactions more easily than traditional cards.
E wallet
An e-wallet is an encrypted system that allows for online transactions and storage of payment information to facilitate purchases from computers or smartphones. It functions like a personal bank account, storing funds that can be used to buy products and services. MLM software relies on e-wallets to securely handle cash-in/cash-out processes and money transfers between member accounts.
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This document provides information about e-wallets. It begins with an introduction that defines an e-wallet as a software component that allows users to make electronic payments by hiding the low-level payment details. It then discusses the types of e-wallets, components, technologies like NFC, payment models, wallet architecture, features, advantages and disadvantages, and how e-wallets are currently being used. Examples of popular e-wallets mentioned include Square Wallet, Google Wallet, PayPal, ISIS, Venmo and Dwolla.
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Having integrated payment technology built into your software can help set it apart from the rest. But how do you find the right provider? Where do you even begin?
Use this visual shortlist of must-haves to get on your way to finding the right payment technology partner for your software business.
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From plastic to secured bits. A mobile wallet for virtual cards on the mobil...
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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This document discusses the growth of NFC technology and its role in connecting devices in the Internet of Things. It provides an overview of NFC and its current uses in consumer electronics and payments. It also outlines the NFC Forum's work to develop standards and specifications to advance NFC adoption, including new specifications that support connectivity with Bluetooth and Wi-Fi. Examples are given of how NFC could connect devices in applications like smart homes, retail, and transportation. While NFC adoption still faces some challenges, the technology is established and the NFC Forum aims to help overcome barriers to broader implementation.
HCE tutorial
This document provides instructions for setting up a simple wallet application using host-based card emulation (HCE) on Android. It discusses running environments, APDU formats, registering an HCE service and AID, defining APDU commands, processing APDU commands, defining APDUs for the card reader side, and sending APDUs from the card reader. It also provides links to source code and seeks assistance with issues connecting to the secure element and sending APDUs.
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Target NFC HCE 3.0 - digital bank - 2015 Ukraine
This document discusses an NFC HCE mobile wallet solution that allows users to make mobile payments with their phones instead of plastic cards or cash. It works by enabling banks to issue digital cards through a universal mWallet platform that supports online and in-person transactions on Android and iOS devices using standards from Visa, Mastercard, and other payment systems. The platform is secure, aligned with payment network specifications, and gives banks independence by allowing them to provide digital cards beyond their own apps and enabling an open mWallet app for other banks.
Top benefits of digital mobile wallet solution
A customized mobile wallet app offers many benefits. Here are some of the top benefits that make the mobile wallet app a robust and reliable digital payment solution. Let’s connect to discuss the scope of a wallet app.
E wallet
The document discusses the features and advantages of electronic wallets (e-Wallets). Key features include over 40 years of data retention, encrypted security, compatibility with multiple hardware, unlimited reusability, and inclusion of multiple card features in a single card. Advantages of e-Wallets are ease of use, accessibility, flexibility, safety, and control compared to traditional wallets. E-Wallets allow for paperless money transactions.
E wallet- final
Digital wallets allow users to store payment and shipping information for online purchases. They function similarly to physical wallets by holding credit cards, cash, IDs, and contact details. Users can transfer funds from their bank account to their digital wallet to make purchases online. Popular e-wallet providers include PayTM, Google Wallet, and Yahoo Wallet, which offer conveniences like automatic form-filling and loyalty programs, though security and outages pose risks. The future of e-wallets may include automatic bill payment, integrated access to personal information, and person-to-person payments using enabled devices.
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Known as a disrupter in the banking industry in the DACH region, our client wanted to become one of the first adopters of Apple Pay technology in Germany. Find out how Intellias' experts helped to integrate Google Pay and Apple Pay for contactless payment processing: https://www.intellias.com/integrating-apple-pay-and-google-pay-services-for-contactless-payment-processing/
Digital wallet (e-wallet)
A digital wallet allows users to store payment and loyalty card information electronically rather than physically. It authenticates users and facilitates contactless payment using technologies like near field communication (NFC). Digital wallets provide advantages over physical wallets like convenience, flexibility, and safety. While systems issues, security concerns, and user experience challenges remain, major companies are developing digital wallet applications that can be used to pay at retail locations and transfer funds between individuals.
Digital wallet
A digital wallet allows users to make electronic payments by storing payment information and identifying credentials securely on their device or online. It hides the complexity of payment processing from the user and can manage multiple payment options and IDs from one place. Digital wallets are either client-based software installed on a user's device or server-based where a company maintains the wallet information online. Both provide convenience for users and benefits for merchants through automated forms and payment processing. Emerging technologies like near-field communication enable new ways for digital wallets to securely complete transactions wirelessly.
Ewallet
The document discusses e-wallets as a future replacement for traditional cards. E-wallets use smart card technology with microprocessor chips that allow for processing of multiple applications. They have advantages over traditional cards like unlimited lifetime, ability to store balances, and universal acceptance. E-wallets are supported on platforms like Windows PC, Apple iOS, Blackberry, and Windows Mobile devices to enable paperless money transactions more easily than traditional cards.
E wallet
An e-wallet is an encrypted system that allows for online transactions and storage of payment information to facilitate purchases from computers or smartphones. It functions like a personal bank account, storing funds that can be used to buy products and services. MLM software relies on e-wallets to securely handle cash-in/cash-out processes and money transfers between member accounts.
E walllet / Digital Wallet
This document provides information about e-wallets. It begins with an introduction that defines an e-wallet as a software component that allows users to make electronic payments by hiding the low-level payment details. It then discusses the types of e-wallets, components, technologies like NFC, payment models, wallet architecture, features, advantages and disadvantages, and how e-wallets are currently being used. Examples of popular e-wallets mentioned include Square Wallet, Google Wallet, PayPal, ISIS, Venmo and Dwolla.
Posdata ensuring better electronic payment transactions with equinox terminals
The document discusses electronic payment terminals from Equinox Payments that are distributed by POSDATA. It describes three Equinox terminal models - the Apollo CFD, Equinox L5200, and Equinox L5300. The Apollo CFD has an intuitive interface and supports NFC payments from mobile devices. The L5200 has a wide screen for video advertising and an encrypted card reader for secure transactions. The L5300 is ideal for high-volume transactions with its fast processor and supports accessibility features. Equinox terminals provide secure electronic payment options for merchants and customers.
cdbe_mobile_en
CitiDirect BESM Mobile is a mobile application that allows users to access CitiDirect's online banking platform via mobile devices. It provides capabilities such as viewing payments and account balances, initiating funds transfers, and authorizing and releasing payments on the go. The application aims to provide reliability, security, and flexibility similar to the full CitiDirect platform. It works with various mobile devices and supports multiple languages.
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The document discusses digital wallets, which allow users to make electronic payments by storing virtual versions of payment cards on their mobile phones. A digital wallet works by securely storing users' payment information and card details within a software component on their device. It aims to simplify online and in-person payments by automatically filling in payment details during transactions. The digital wallet offers advantages like consolidating multiple payment and loyalty cards in one place and helping users maximize rewards earned from purchases. However, challenges remain around securely storing digital cash and ensuring digital wallet systems are fast, easy to use, and accurate.
Open Payments Cloud at Findevr London 2017
The document discusses the Open Payments Cloud (OPC) which aims to simplify building and deploying complex payment applications. The OPC combines diverse payment APIs into a robust framework, matches applications to financial institutions and payment providers, and avoids complicated licensing requirements. Developers can publish applications to the OPC, which deploys them with real financial institutions. The OPC incorporates third party APIs using "Paylets" that represent identities, payment instruments, transactions, and more. It provides tools like a Payment Application Modelling Language to build applications and a sandbox for testing.
Selecting the Right Payment Technology Partner for Your Software Business
Having integrated payment technology built into your software can help set it apart from the rest. But how do you find the right provider? Where do you even begin?
Use this visual shortlist of must-haves to get on your way to finding the right payment technology partner for your software business.
Digital wallet
The document discusses digital wallets, including what they are, their components and technology, payment models, challenges, and the future of digital wallets. A digital wallet allows secure electronic payments and storage of payment methods and identification. It discusses how digital wallets use near-field communication (NFC) technology and secure storage to facilitate electronic payments from mobile devices. The future of digital wallets may include integrated services like bill payment, coupons, shopping comparisons, and personal information management.
Smart Card to the Cloud for Convenient, Secured NFC Payment
This document discusses Kona Pay, a new payment platform that aims to converge multiple payment factors including form factors, provisioning modes, payment modes, and security measures into a single payment platform and wallet. It highlights challenges faced during development such as adapting to new specifications from payment networks and maintaining effective testing practices across distributed teams. The document provides an overview of Kona Pay's components and transaction flows and the people behind building the platform.
Novatti Digital Wallet brochure
Novatti's White-Label Digital Wallet
The Novatti Digital Wallet is a proven, robust and scalable electronic wallet solution for developed and developing markets. Ready to deploy with minimum development effort, this technology can be provided as a turnkey, OEM, or hosted solution.
The Digital Wallet application uses other Novatti modules to integrate with telecommunications infrastructure, financial institutions, and other third-parties using standards-based and proprietary protocols. Settlement of user accounts with external and internal agencies is achieved by regular production of multi-party electronic banking files containing all settlement details.
Payza E-Wallet Solution For Bangladesh
Payza a global leader in payments is offering it's services in Bangladesh since 2012. The presentation showcases it's latest offer to the BD market a local E-wallet system set to facilitate E-commerce in Bangladesh.
From plastic to secured bits. A mobile wallet for virtual cards on the mobil...
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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Case Study: Apple Pay and Google Pay Integration for Contactless Payment Serv...
Case Study: Apple Pay and Google Pay Integration for Contactless Payment Serv...
Posdata ensuring better electronic payment transactions with equinox terminals
Posdata ensuring better electronic payment transactions with equinox terminals
Selecting the Right Payment Technology Partner for Your Software Business
Selecting the Right Payment Technology Partner for Your Software Business
Smart Card to the Cloud for Convenient, Secured NFC Payment
Smart Card to the Cloud for Convenient, Secured NFC Payment
From plastic to secured bits. A mobile wallet for virtual cards on the mobil...
From plastic to secured bits. A mobile wallet for virtual cards on the mobil...
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NFC & The Growth of Connected Consumer Electronics Devices
This document discusses the growth of NFC technology and its role in connecting devices in the Internet of Things. It provides an overview of NFC and its current uses in consumer electronics and payments. It also outlines the NFC Forum's work to develop standards and specifications to advance NFC adoption, including new specifications that support connectivity with Bluetooth and Wi-Fi. Examples are given of how NFC could connect devices in applications like smart homes, retail, and transportation. While NFC adoption still faces some challenges, the technology is established and the NFC Forum aims to help overcome barriers to broader implementation.
HCE tutorial
This document provides instructions for setting up a simple wallet application using host-based card emulation (HCE) on Android. It discusses running environments, APDU formats, registering an HCE service and AID, defining APDU commands, processing APDU commands, defining APDUs for the card reader side, and sending APDUs from the card reader. It also provides links to source code and seeks assistance with issues connecting to the secure element and sending APDUs.
Transforming the Commercial World with NFC
Presentation by Craig Stephens of Scantech Group at the June 2014 NFC Forum Tap Into NFC Developer Event.
MeaWallet Company V3.11
MeaWallet is a leading provider of end-to-end mobile wallet services and cloud-based mobile solutions. They offer a complete white label mobile wallet framework that supports payments, loyalty programs, coupons, IDs, tickets and more. MeaWallet also provides cloud-based mobile payment and access solutions that allow contactless payments and access to be enabled in existing apps. Their services reduce costs and time-to-market compared to traditional embedded solutions. MeaWallet works with banks, retailers, and other organizations to help them adopt innovative mobile technologies and take advantage of the growing mobile payments market.
PCI-DSS COMPLIANCE ON THE CLOUD
This document discusses PCI-DSS compliance for storing payment data on the cloud for e-commerce and m-commerce. It provides definitions for key terms like cloud computing models, e-commerce types, and PCI-DSS requirements. It notes that storing payment data on the cloud presents new challenges for PCI-DSS compliance due to factors like multi-tenancy, lack of visibility into infrastructure, and dynamic boundaries. The document recommends frameworks like the CSA Cloud Controls Matrix to help delineate responsibilities between merchants and cloud providers to facilitate PCI-DSS compliance in cloud environments.
Cloud payments (HCE): a simpler step with Thales HSMs
Deploying a cloud payment (HCE) solution can be a daunting and complex task. Cryptographic and key management requirements don't have to be something to slow down your project. At Thales e-Security we have been at the forefront of designing solutions to reduce the complexity of cryptographic security and implementation, helping organisations rapidly bring solutions to market.
This slidedeck explains the key management requirements of the various schemes' specifications, and explains how using Thales HSMs can shorten your development cycle and allow you to rapidly bring your product to market.
Or why not listen to the webcast: https://www.thales-esecurity.com/knowledge-base/webcasts/cloud-payments-made-simpler-with-thales-hsms
NFC and HCE
Presentation by Erick Wong of Visa and a member of the NFC Forum Board of Directors at the March 2014 Spotlight for Developers Day.
Build a Server-less Event-driven Backend with AWS Lambda and Amazon API Gateway
The document discusses building a serverless, event-driven backend architecture using AWS Lambda and Amazon API Gateway. It describes how API Gateway can be used to define HTTP endpoints that trigger Lambda functions to execute business logic. This allows building scalable backend services without having to manage servers. The document provides an example media sharing application architecture built with this approach.
Android HCE: An intro into the world of NFC
NFC allows short-range wireless communication between devices like phones and readers. With host card emulation (HCE), Android phones can emulate smart cards without a secure element by allowing apps to register application identifiers (AIDs) and process commands from NFC readers. HCE enables new use cases for NFC like payments, loyalty programs, and building access by acting as both a card and reader.
Building Scalable Services with Amazon API Gateway - Technical 201
Amazon API Gateway is a fully managed service that makes it easy for developers to create, publish, maintain, monitor, and secure APIs at any scale. It allows developers to create a unified API that acts as a gateway for multiple backend services, providing features like authentication, throttling, monitoring and documentation. The document discusses Amazon API Gateway and how it can be used with AWS Lambda to build scalable and secure APIs. It also provides a case study of how shipping company Temando used API Gateway and Lambda to migrate their monolithic architecture to a microservices approach.
Cloud based payments: the future of mobile payments?
Since HCE first became available in Android handsets, card issuers have been using it to deliver mobile payment solutions to the customers. With scheme specifications and the arrival of tokenization there has been an increasing rate of adoption. Now, with a growing number of payment options becoming available from the 'X-Pays' and a growing convergence between on-line, in-store and in-app transactions, what is the future for cloud based payments?
Or why not listen to the webcast https://www.thales-esecurity.com/knowledge-base/webcasts/cloud-based-payments-the-future-of-mobile-payments
Securing Serverless Workloads with Cognito and API Gateway Part I - AWS Secur...
The document discusses securing serverless applications using Amazon API Gateway, AWS Lambda, and Amazon Cognito. It describes how to build a basic 3-tier web app that is fully serverless, add authentication with Amazon Cognito by integrating with Cognito user pools, and implement authorization using AWS Identity and Access Management (IAM) by leveraging Cognito. Key benefits mentioned are that AWS Lambda and API Gateway provide automatic scaling with no infrastructure to manage, while security is improved by making use of IAM through Cognito.
Mobilize Your Loyalty Program with Mobile Wallet
CRM and loyalty marketers at all major retailers know that today’s mobile consumers are evolving rapidly, and have heightened expectations for their favorite retailers. What they may not know is that new mobile technologies, such as Google Wallet and Apple’s Passbook, are transforming retailer’s ability do deliver value to their most loyal customers. When used in tandem with loyalty programs, these innovative mobile wallets can amplify loyalty programs by making them more relevant, contextual, timely and useable.
Featuring: Emily Collins, analyst at Forrester Inc., and Julie Novack, Senior Vice President of Mobile Solutions at Vibes.
Microservices Architecture for Web Applications using AWS Lambda and more
The document provides an overview of using microservices architecture for web applications on AWS. It discusses the challenges of traditional monolithic architectures and reference architectures. It then introduces serverless and microservices architectures as alternatives that can provide increased scalability, reduced complexity, and lower costs using AWS services like Lambda, API Gateway, DynamoDB, and others. It includes demos of setting up a serverless environment and a todo application built with microservices.
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Building Scalable Services with Amazon API Gateway - Technical 201
Building Scalable Services with Amazon API Gateway - Technical 201
Cloud based payments: the future of mobile payments?
Cloud based payments: the future of mobile payments?
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Cidway Securing POS Transactions
The document discusses Cidway's mobile authentication solution for securing point-of-sale transactions. The solution uses one-time passwords displayed on the user's mobile phone that are input at the point of sale. It provides security, convenience with no waiting for SMS, and benefits for merchants like lower transaction costs. Cidway also provides authentication solutions for online and mobile banking, mobile payments, enterprise access, and other sectors.
ISS SA le presenta IdentityGuard de Entrust
Las organizaciones necesitan evolucionar más allá del nombre de usuario y contraseña básico y asegurar las transacciones en línea con un abanico de opciones de autenticación segura.
Secure Electronic Transaction (SET)
It is about the SET that how it was launched and what were the problems which it faced after launched and what was new after it as a solution of the problems as the security experts found.
A case for identities - Etisalat, George Held at TADSummit
A case for identities - Etisalat, George Held at TADSummit 12-13 November Istanbul, Turkey.
Mobile Money- Flous
mPOS service – Mobile Cashier
Safex pay avantgarde -presentation
This document provides an overview of SafexPay's digital payment services and platform. It outlines SafexPay's incorporation, team experience, and certified platform. It describes SafexPay's transaction flows, integration types, APIs, security features, settlement flows, payment methods, reporting, and merchant portal. It also covers advanced features like risk management, user access control, and chargeback management. Finally, it discusses why SafexPay is a scalable, configurable, multi-currency payment solution focused on mobile and app-based payments.
Smart card to the cloud for convenient, secured nfc payment
Kona Pay is a new payment platform that aims to converge multiple payment factors including various form factors, provisioning modes, payment modes, and security measures onto a single payment platform. It allows for payments using plastic cards, mobile wallets, and other methods on both in-store and online/mobile channels. Developing Kona Pay presented challenges in adapting to new specifications from payment brands, meeting tight deadlines, ensuring code quality, and effective collaboration across distributed teams.
VTC Pay Presentation
Founded in 2006, VTC Intecom is a subsidiary of Vietnam Multimedia Corporation (VTC), one of the largest corporations in Vietnam. VTC Intecom provides digital content products and services which include diverse offerings of online payment methods, online games, integrated portal solutions for e-government and more. VTC Intecom has over 16 million active accounts for digital content services and its annual income is over USD100 million. Customers can use VTC Pay - Payment Gateway and eWallet to make online transactions quickly, easily and securely via their eWallet accounts, domestic ATM cards, international cards, telecommunications prepaid cards,Vcoin prepaid cards, or hundreds of partnering merchant websites that integrate with VTC Pay.
VTC Pay Presentation
Founded in 2006, VTC Intecom is a subsidiary of Vietnam Multimedia Corporation (VTC), one of the largest corporations in Vietnam. VTC Intecom provides digital content products and services which include diverse offerings of online payment methods, online games, integrated portal solutions for e-government and more. VTC Intecom has over 16 million active accounts for digital content services and its annual income is over USD100 million. Customers can use VTC Pay - Payment Gateway and eWallet to make online transactions quickly, easily and securely via their eWallet accounts, domestic ATM cards, international cards, telecommunications prepaid cards,Vcoin prepaid cards, or hundreds of partnering merchant websites that integrate with VTC Pay.
YESpay Corporate Presentation 2009
YESpay provides a card payment processing gateway service within the UK, Denmark, Ireland, USA and Canada
Secnet
The document discusses various technologies and protocols that enable secure electronic transactions on the internet, including encryption, digital signatures, digital certificates, SSL, electronic payments like credit cards, electronic checks, anonymous and micropayment systems, and smart cards. It covers topics like public/private key encryption, digital signatures, certification authorities, SSL handshake protocol, SET payment protocol, and issues around security, anonymity, and enabling microtransactions online.
Web Security in Network Security NS7
The document summarizes web security considerations and technologies like SSL, TLS, and SET.
SSL and TLS provide encryption and authentication to secure data transmission between a client and server on the web. The handshake protocol allows servers and clients to authenticate each other and negotiate encryption before transmitting application data.
SET is an open encryption specification that protects credit card transactions on the internet. It provides security protocols and formats to ensure confidentiality, integrity of data, cardholder authentication, and merchant authentication for online payments. The sequence of events for transactions using SET is described briefly.
The Hong Kong Public Key Infrastruture 2010
The document discusses the Hong Kong Public Key Infrastructure (PKI) and its use. It provides an overview of PKI and how it establishes trust and security for electronic transactions through the use of public/private key encryption, digital certificates, and certificate authorities (CAs). It outlines Hong Kong's legal framework that recognizes PKI through the Electronic Transactions Ordinance and the voluntary recognition scheme for CAs operating in Hong Kong like Hongkong Post and Digi-Sign Certification Service.
Sentegra MobileBeat 2010 Startup Competition Presentation
Sentegra was founded in 2006 to develop a payment system using RFID/NFC technology that is faster, more convenient and secure than cash or credit cards. The system allows for two-way communication at point-of-sale, includes biometric security via fingerprint sensors, and works with mobile phones and online transactions. It aims to generate new revenue streams for banks, merchants and itself by offering secure payment and identity authentication.
Cidway Bank Finance 01 2009 2 Fa Tr
Cidway is a mobile security company that provides two-factor authentication and transaction signature solutions. Their product line includes hardware tokens, software tokens for mobile phones, and SDKs for integration. Their solutions provide strong authentication using time-based one-time passwords along with transaction signatures to prevent man-in-the-middle attacks. They have clients in banking, mobile payments, and other industries and aim to make authentication and transactions simple, secure, and user-friendly.
EMV Terminal Integration Test Solutions
This document discusses EMV test tools from Clear2Pay that allow merchants, payment processors, and banks to test terminals for EMV certification. The tools can be used for pre-certification testing against acquirer protocols and brand certification testing against brand network requirements. They automate testing to save time and simplify the EMV certification process. Clear2Pay offers test tools for major payment brands that work with their services to guide customers through EMV certification.
US Security for Cyber Security
I have been researching DHS Co-ops for the past three years and have built strong compliance based research knowledge pertaining to identity theft, biometrics and Cyber Security.
CardConnect Merchant Pricing Proposal
This document summarizes a payment processing company called CardConnect. It outlines their focus on simple, secure and PCI compliant payment solutions. They provide a powerful platform that includes real-time reporting and next-day funding. Their solutions include patented tokenization and point-to-point encryption for security, as well as business intelligence reporting and interchange management to lower costs. They support over 70,000 organizations in processing billions of dollars in transactions each year.
Adrian Nextel Pki Wireless
The document discusses Nextel's proposed Nextel Electronic Wallet (NEW) service which would allow secure payments from an iDEN phone using PKI technology. It describes how a user could pay for gas using the NEW service which would connect to their bank account or credit card through an encrypted connection to the Nextel network. The NEW service would address security issues like authentication, non-repudiation, and privacy through the use of encryption, digital signatures, and a public key infrastructure.
eIDAS Reference Guide
An important part of eIDAS is to regulate electronic signature and ensure safe transactions online. By providing qualified electronic signature, Trust Service Providers allow both signatory and recipient a higher level of convenience and security. Use this guide to understand and navigate the regulation goals and benefits.
Mtel Cash Mobile Commerce Suite
The document describes Monolex Telecom's mobile commerce enablement suite, which includes MTEL CASH and the Mobile Commerce Network (MCN) to allow clients to offer mobile payment and money transfer services. The suite provides a turnkey solution including a hosted platform, integration with multiple processors, and private label mobile apps and portals. The goal is to create interoperability for mobile payments worldwide through the MCN clearinghouse network.
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A case for identities - Etisalat, George Held at TADSummit
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HCE cloud payments internet services August 2015
- 2. Company Structure HCE Service Limited London, UK +44 7947551428 HCE Secure IT Services (PVT) Limited Indore, India +91 9981133776
- 3. ã Provider of end-to-end HCE Transaction Processing & Automation Cloud Mobile Payments Services ã HCE Token Issuance ã HCE Payments Processing ã Provider of underlying Wireless PKI Security Services Company Overview
- 4. To be present throughout the life of Card Issuers’ HCE projects Our Project Implementation Approach Project Initiation +Strategic analysis of the business objectives using SSADM case tools Products & System Definition +System Architecture & Specification +Component Definition (e.g. tokens, mobile apps and host hce infrastructure services) Solution & Service Implementation +Acceptance and training +Operation Support for Pilots & Rollout Evaluation +Audit & Certification
- 5. Mobile Internet Payments Security Requirements Authentication - end users/clients/servers Signature - on data/instructions Content integrity - on data Confidentiality Certification for all participants
- 6. Secure On-line Payment Business Model FRONT-END Mobile Application Platform HCE Token Issuance Applications Visa/MC Payments Network SWIM Security Server End User HCE Client Applications RA Server Security Manager Clients SWIM Security Server End Users HCE Clients Registration Agent Clients SWIM MAP CLOUD HOST CA Server HCE Payments HCE & PKI tokens MOBILE INTERNET End User HCE Software Security Tokens
- 7. Secure On-line E-commerce Business Model End-User Clients Registration Clients Security Manager Clients Merchants Purchase Goods Payment Gateway Payment HCE Security Tokens Payment Network HCE + WPKI SWIM MAP CLOUD HOST
- 8. Use EMV based HCE Tokenisation Solution EMV is a set of specifications written by Europay, MasterCard and Visa defining the main structures for international smart Debit / Credit Interchange
- 9. Payment Cards - Debit - Credit - Pre-authorised debit Value Added Services - Loyalty - Transport - E-Commerce, - Remote Banking - Bill Payments … Define End-User Multiple EMV HCE Tokens HCEservice.com
- 10. Financial Institutions Outsource + Risk management + User registration/HCE token issuing Security and Customer Relationship ! Provide Trusted HCE Registration and Certification Service
- 11. Someone everybody trusts Trusted Third Party = Certification Authority Primary role is to register users, certify their public keys, identity & credentials X.509 defines the content of a certificate for X.500 directories I certify this is Tom public key :1842956 Standards based Trusted Third Party
- 12. Establish Virtual Private Networks: e-business
- 13. Financial Times Now Everybody is Equipped for HCE tokens/payments