Turning gadgets and wearables into payments devices Orlando, April 07, 2016 Ursula Schilling
Agenda
Market trends for Smart Wearables
Smart Wearables introduction
Technical & product solutions
1
2
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2 April 2016 Copyright © Infineon Technologies AG 2016. All rights reserved.
Smart Wearable devices will ramp up with high growth rates of 30%
119m 340m
Source: IHS Technology, Smart Wearable Payment devices, Jan 2016
Cumulative sales of 1.1bn pcs of wearables until 2020
CAGR CY14-20 of 30.1%
The number of Payment wearable devices are projected to increase
from 11m units in 2015 to 153m in 2020 (45% in 2020)
Smartwachtes
Fitness & wirstbands band
Others (smart glasses, smart clothing, jewellrey)
CY2016 CY2020
3 April 2016 Copyright © Infineon Technologies AG 2016. All rights reserved.
EMV cards will remain the launch pad to enable mobile Payment with 70% of card migrating to contactless
45%
69%
0
500
1000
1500
2000
2500
3000
3500
2014 2019
WW Secure Payment
Microcontroller market [m pcs]
Dual Interface
Contact
% of DualInterface
Source: IHS Report – "Smart Cards Semiconductors Report – 2015". Edition - July 2015
4 April 2016 Copyright © Infineon Technologies AG 2016. All rights reserved.
Mobile plays a major role for a connected life
The main driver for contactless investment is a
faster payments process (for 74% of
businesses). However being seen to innovate
(43%), improved cost effectiveness (42%) and
differentiating from the competition (33%) are
important too. Source Vanson Bourne
5 April 2016 Copyright © Infineon Technologies AG 2016. All rights reserved.
Your sensitive data is at risk in the mobile & in smart wearable devices
6 April 2016 Copyright © Infineon Technologies AG 2016. All rights reserved.
*acc. to Karspersky Lab there are more than 300k identified different malware programs to manipulate a phone
Where are my sensitive personal data stored?
Device Authentication
Secure Element
Customer Verification
Credential Protection
PIN Sign.
Token
Suited for smartphones and smart wearables
Cloud-based Payment (HCE)
Customer Verification
PIN Sig.
Token
Credential Protection
An option for smartphones only - with the need for online connection
The payment credentials are only encoded
in software – which are stored in the cloud or insecurely in the mobile
device itself.
7 April 2016 Copyright © Infineon Technologies AG 2016. All rights reserved.
ISO 14443 (including NFC) is the de-facto standard for mobile transactions across many applications
ISO14443 infrastructure enables many different services…
Info Sharing Peer to Peer eTicketing Payment Smart Wearables
SIM (UICC/eUICC) Secure Element
Embedded Secure Element
µSD Card Boosted NFC NFC Tags
Dual Interface (DIF) chip with flexible antenna
…and is supported by many different form factors
8 April 2016 Copyright © Infineon Technologies AG 2016. All rights reserved.
ISO 14443 makes multi-application & interoperability a reality
Payment Access Transport
9 April 2016 Copyright © Infineon Technologies AG 2016. All rights reserved.
Secured NFC Solutions in Smartphone vs. Smart Wearable
Boosted NFC SE
Application Processor or
low power MCU
Booster NFC Modem
MCU
Memory
SE interface
Host interface
Standard eSE
Application Processor NFC related function block
NFC SW
10 April 2016 Copyright © Infineon Technologies AG 2016. All rights reserved.
Integrated NFC Solution for Smart Wearables
Antenna matching components
Booster
Security Chip
SLE7x
Integrated Antenna
Power supply and interface: ISO 7816, SPI or I2C Different Dimensions based on the antenna design
11 April 2016 Copyright © Infineon Technologies AG 2016. All rights reserved.
Scalable Secure Element solutions for wearables
Bluetooth SoC
Secure controller
› Antenna Driven DI SE
› Larger antenna
› No battery (passive)
Bluetooth SoC
Secure Controller
Booster › Boosted NFC SE
› Active Load Modulation
› Very small antenna & battery
› Ultra low power consumption
Application Processor
NFCC
Booster › Conventional NFCC + eSE
› Active Load Modulation
› NFC function block
eSE
Bluetooth SoC
12 April 2016 Copyright © Infineon Technologies AG 2016. All rights reserved.
Boosted offering: Plug-&-play solution for fast product integration
Infineon's Boosted NFC Secure Element
› Ultra-low power consumption
› Best PCB footprint
› Extraordinary contactless performance
13 April 2016 Copyright © Infineon Technologies AG 2016. All rights reserved.
Minimum integration effort for Smart Wearables devices incl. diverse antenna designs
› Diverse antenna designs inside a ultra small package
› Compliant to ISO 14443 type A/B
› Supports SPI, I2C or ISO/IEC7816 interface to the host
› Multiple EMV controllers & embedded Secure Element solutions are available
14 April 2016 Copyright © Infineon Technologies AG 2016. All rights reserved.
› More connected consumers & more connected devices like Smart Wearables means growing payment volumes and opportunities
› Smart Wearables are mobile platform agnostic (Android/Apple) via bluethooth
› The technology is available today, e.g. small power consumption, plug & play, contactless performance…
› Certified for EMV Payment, Public Transit & Ticketing for ease of use
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Part of tomorrow.
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