from plastic to secured bits. a mobile wallet for virtual cards on the mobile phone

Life is for sharing.

From plastic to secured bits – a walletfor virtual cards on the mobile phone.Axel Nennker, Deutsche Telekom LaboratoriesDecember 8, 2010

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Agenda.

Devices. User Interfaces Information Flow Current Architectures Architecture Wrap-up / Conclusions

Devices.

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Mobile Wallet Evolution: Past to Present.Billions of simple phones.

Nokia 6131 Nokia 6212 Samsung

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Mobile Wallet Evolution: Past to Present.Billions (?) of simple phones: NFC

Nokia 6131 NFC Nokia 6212 NFC Samsung Star NFC

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Mobile Wallet Evolution: Past to Present.Billions (?) of simple phones: UICC access

Nokia 6131Secure element

Nokia 6212 NFCSecure element

Samsung Star NFC

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Mobile Wallet Evolution: Future.Smart Phones with NFC

iPhone 5 with NFC Nexus S with NFC

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Mobile Wallet Evolution: Past to Present.Bridging Technology.

Gemalto NFC SIM

Bladdox

G&D microSD

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Mobile Wallet Evolution: History.PCs with NFC.

Mac and iPhones with NFCLenovo with NFC

User Interfaces.

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Mobile Wallet Evolution UI.Browser on PC.

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Mobile Wallet Evolution UI.Browser on Smart Phone.

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Mobile Wallet Evolution UI.Azigo for iPhone.

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Mobile Wallet Evolution UI.T-Labs UI.

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Mobile Wallet Evolution.In App Invocation of Wallet: top-up, fund

Flows.

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OASIS

Identity Metasystem Interoperability Version 1.0

OASIS identity-1.0-spec-os.pdf

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OASIS

Identity Metasystem Interoperability Version 1.0

OASIS identity-1.0-spec-os.pdf

Other Protocols

OpenID

SAML

Oauth

Proprietary Payment

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EMVCo

Contactless Mobile Payment Architecture

EMVCo

20090915_AAUI 1 .pdf

EMVCo

Contactless_Mobile_

Payment_Architecture_

Overview_2010062808363068.pdf

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GSMA

Trusted Service Manager Service Management

GSMA

EPC_GSMA_TSM_WP_V1.pdf

GSMA

International Remittance

Service Providers

WhitePaper(digital).pdf

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Mobile Wallet Proof of Concept.Proprietary functional architecture for J2ME platform.

JSR177/257

NFC/SWPHTTP(s)

Service Provision OTA-API (TSM)

User/NFC

Handset

Card Issuer /Service Provider

Retailer

Secure Element

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Mobile Wallet Proof of Concept.System architecture for UICC enabled phones.

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Mobile Wallet Proof of Concept.Wallet API.

Open

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Mobile Wallet Proof of Concept.Wallet API.

Open

Have a break.

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Mobile 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

Architecture.

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Information Card

Metadata about the issuer, the user’s attribute...

Information Card is a card with a defined data package.

Standardized by OASIS (Organization for the Advancement of Structured Information Standards).

Needs to support multiple protocols other than WS-*

Needs to support Telco authentication Support for mobile devices (lean data

and protocol)

Mobile Wallet Evolution: Overall Future Wallet Architecture.Two card categories from technical point of view.Application Card

Generally, the Application Card will be used for proximity transactions.

Application Card is a card with a dedicated application and application logic (e.g. VISA payWave).

The communication protocol between different kind of Application Cards and acceptance systems/relying parties can be very different.

VDV KA

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WWWCloud

Mobile Wallet Evolution: Overall Future Wallet Architecture. Future wallet enables both proximity and internet applications.

Wallet

GUI

Core

Connector ReceiverStorageCard Handler

Controller

Card ManagerConfiguration

Card Receiver APIStorage APIRequest Router APICard Handler API

Card Selector

Future Wallet Architecture

Execution Runtime

Environment

Communication Channels

Card Meta Data

Transaction Data

Card Deployment

Channels

User Interface

Layer

User Interface

Layer

Management and

App Logic Layer

Management and

App Logic Layer

Comm. and

Storage Layer

Comm. and

Storage Layer

NFC IP Networks OTA File Systems

Acceptance systems / Relying parties

Physical storage mediumsCards / Applications

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WWWCloud

Mobile Wallet Evolution: Overall Future Wallet Architecture. Management and App Logic.

Wallet

GUI

Core

Connector ReceiverStorageCard Handler

Controller

Card ManagerConfiguration

Card Receiver APIStorage APIRequest Router APICard Handler API

Card Selector

Future Wallet Architecture

Execution Runtime

Environment

Communication Channels

Card Meta Data

Transaction Data

Card Deployment

Channels

User Interface

Layer

User Interface

Layer

Management and

App Logic Layer

Management and

App Logic Layer

Comm. and

Storage Layer

Comm. and

Storage Layer

NFC IP Networks OTA File Systems

Acceptance systems / Relying parties

Physical storage mediumsCards / Applications

Card Usage Card management

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WWWCloud

Mobile Wallet Evolution: Overall Future Wallet Architecture. Management and App Logic: Management.

Wallet

GUI

Core

Connector ReceiverStorageCard Handler

Controller

Card ManagerConfiguration

Card Receiver APIStorage APIRequest Router APICard Handler API

Card Selector

Future Wallet Architecture

Execution Runtime

Environment

Communication Channels

Card Meta Data

Transaction Data

Card Deployment

Channels

User Interface

Layer

User Interface

Layer

Management and

App Logic Layer

Management and

App Logic Layer

Comm. and

Storage Layer

Comm. and

Storage Layer

NFC IP Networks OTA File Systems

Acceptance systems / Relying parties

Physical storage mediumsCards / Applications

1. Import Card2. Export Card3. Synchronize Card4. Edit Card

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WWWCloud

Mobile Wallet Evolution: Overall Future Wallet Architecture. Management and App Logic: Usage.

Wallet

GUI

Core

Connector ReceiverStorageCard Handler

Controller

Card ManagerConfiguration

Card Receiver APIStorage APIRequest Router APICard Handler API

Card Selector

Future Wallet Architecture

Execution Runtime

Environment

Communication Channels

Card Meta Data

Transaction Data

Card Deployment

Channels

User Interface

Layer

User Interface

Layer

Management and

App Logic Layer

Management and

App Logic Layer

Comm. and

Storage Layer

Comm. and

Storage Layer

NFC IP Networks OTA File Systems

Acceptance systems / Relying parties

Physical storage mediumsCards / Applications

1. GetToken -> Request Router2. Card Selector (2 Mastercards)3. Card Handler talks to Backend4. Write Transaction Data

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WWWCloud

Mobile Wallet Evolution: Overall Future Wallet Architecture. Communication and Storage: Storage.

Wallet

GUI

Core

Connector ReceiverStorageCard Handler

Controller

Card ManagerConfiguration

Card Receiver APIStorage APIRequest Router APICard Handler API

Card Selector

Future Wallet Architecture

Execution Runtime

Environment

Communication Channels

Card Meta Data

Transaction Data

Card Deployment

Channels

User Interface

Layer

User Interface

Layer

Management and

App Logic Layer

Management and

App Logic Layer

Comm. and

Storage Layer

Comm. and

Storage Layer

NFC IP Networks OTA File Systems

Acceptance systems / Relying parties

Physical storage mediumsCards / Applications

1. Device storage2. UICC3. Cloud

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WWWCloud

Mobile Wallet Evolution: Overall Future Wallet Architecture. Communication and Storage: Deployment.

Wallet

GUI

Core

Connector ReceiverStorageCard Handler

Controller

Card ManagerConfiguration

Card Receiver APIStorage APIRequest Router APICard Handler API

Card Selector

Future Wallet Architecture

Execution Runtime

Environment

Communication Channels

Card Meta Data

Transaction Data

Card Deployment

Channels

User Interface

Layer

User Interface

Layer

Management and

App Logic Layer

Management and

App Logic Layer

Comm. and

Storage Layer

Comm. and

Storage Layer

NFC IP Networks OTA File Systems

Acceptance systems / Relying parties

Physical storage mediumsCards / Applications

1. OTA2. File System3. SMS / MMS4. Download

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WWWCloud

Mobile Wallet Evolution: Overall Future Wallet Architecture. Communication and Storage: Communication Channels.

Wallet

GUI

Core

Connector ReceiverStorageCard Handler

Controller

Card ManagerConfiguration

Card Receiver APIStorage APIRequest Router APICard Handler API

Card Selector

Future Wallet Architecture

Execution Runtime

Environment

Communication Channels

Card Meta Data

Transaction Data

Card Deployment

Channels

User Interface

Layer

User Interface

Layer

Management and

App Logic Layer

Management and

App Logic Layer

Comm. and

Storage Layer

Comm. and

Storage Layer

NFC IP Networks OTA File Systems

Acceptance systems / Relying parties

Physical storage mediumsCards / Applications

1. NFC2. C2DM / Push3. Bluetooth4. USB Cable5. SMS6. USSD

.

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Wrap-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.

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Still a lot of work to do.

I believe that we will see multi-card wallets in the wild in 2011.

Wrap-upMobile Wallet Evolution.

Life is for sharing.

Thank you for your attention.