A Trusted Service Manager (TSM) is essential in the Near Field Communication (NFC) ecosystem, coordinating relationships among stakeholders and ensuring secure management of applications and consumer data. The current NFC landscape involves both root and service provider (SP) TSMs, each overseeing different aspects of application management and security. Organizations can become their own TSM to maintain control over customer interactions and adapt to changing market conditions.

1. What is a Trusted Service Manager?

2. A Trusted Service Manager (TSM)
plays a vital role in the Near Field
Communication (NFC) ecosystem.

3. A TSM acts as a trusted middle-
man within the deployment of
mobile payments:

4. 1. Coordinating technical and business
relationships of multiple stakeholers:
mobile network operators (MNO), banks
and other service providers (SP).

5. 2. Securely installing and personalizing
applications on the Secure Element (SE).

6. 3. Handling banking and mobile
security and securing consumer
information.

7. 4. Performing lifecycle management
tasks for installed applications.

8. 5. Securely generating,
managing and
distributing
cryptographic
keys

9. TSM models

10. An SP communicates with an MNO to
add an application on an NFC device.

11. But the reality is more complex.

12. Utopian NFC ecosystem with one TSM.

13. Different organisation see themselves
as TSM and no single organisation is
trusted by everyone.

14. One TSM creates ownership issues
regarding relationships and data.

15. Current NFC ecosystem:
Root TSM and SP TSM model

16. A Root TSM
- manages the Root Security Domain (SD) on
the NFC device and its keys.
- informs SP TSMs of key events on applications.
- interacts with the phone.
- interacts with service provider TSMs.

17. An SP TSM
- provisions, manages, loads and personalises
applications into the SD on behalf of SPs.
- manages their own secure environment.
- interacts with the phone to install and
personalise services.
- interacts with Root TSMs to communicate
state changes of applications.

18. Why TSM?

19. 1. Multiple markets becoming
part of the mobile ecosystem are
required to collaborate.

20. 2. TSMs are their Single Point of
Contact.

21. 3. Markets such as payments,
transit and access control need
to cooperate.

22. 4. TSMs allow stakeholders to
effectively communicate and
handle transactions securely
with each other.

23. Becoming a TSM?

24. Service providers can keep
control of their customers by
becoming their own TSM.

25. This ensures flexibility and scalability
to meet future market demands.

26. SE
Interested in becoming a TSM?
Watch our video:

27. With over 20 years of expertise, Bell ID is considered the world’s leading provider of
lifecycle management solutions for tokens (e.g. smart cards, mobile NFC phones)
deployed in single and multi-application programmes.
www.bellid.com
David Worthington
Principle Consultant Payment
& Chip Technology
d. worthington@bellid.com