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

8.12.2010 2Deutsche Telekom Laboratories

Agenda.

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

Devices.


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

Nokia 6131 Nokia 6212 Samsung


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

Nokia 6131 NFC Nokia 6212 NFC Samsung Star NFC


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

Nokia 6131Secure element

Nokia 6212 NFCSecure element

Samsung Star NFC


Mobile Wallet Evolution: Future.Smart Phones with NFC

iPhone 5 with NFC Nexus S with NFC


Mobile Wallet Evolution: Past to Present.Bridging Technology.

Gemalto NFC SIM

Bladdox

G&D microSD


Mobile Wallet Evolution: History.PCs with NFC.

Mac and iPhones with NFCLenovo with NFC

User Interfaces.


Mobile Wallet Evolution UI.Browser on PC.


Mobile Wallet Evolution UI.Browser on Smart Phone.


Mobile Wallet Evolution UI.Azigo for iPhone.


Mobile Wallet Evolution UI.T-Labs UI.


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

Flows.


OASIS

Identity Metasystem Interoperability Version 1.0

OASIS identity-1.0-spec-os.pdf


OASIS

Identity Metasystem Interoperability Version 1.0

OASIS identity-1.0-spec-os.pdf

Other Protocols

OpenID

SAML

Oauth

Proprietary Payment


EMVCo

Contactless Mobile Payment Architecture

EMVCo

20090915_AAUI 1 .pdf

EMVCo

Contactless_Mobile_

Payment_Architecture_

Overview_2010062808363068.pdf


GSMA

Trusted Service Manager Service Management

GSMA

EPC_GSMA_TSM_WP_V1.pdf

GSMA

International Remittance

Service Providers

WhitePaper(digital).pdf


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


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


Mobile Wallet Proof of Concept.Wallet API.

Open

Have a break.


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.


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


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


WWWCloud

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

Wallet

GUI

Core


Controller



Card Selector


Execution Runtime

Environment


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




Card Usage Card management


WWWCloud

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

Wallet

GUI

Core


Controller



Card Selector


Execution Runtime

Environment


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




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


WWWCloud

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

Wallet

GUI

Core


Controller



Card Selector


Execution Runtime

Environment


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




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


WWWCloud

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

Wallet

GUI

Core


Controller



Card Selector


Execution Runtime

Environment


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




1. Device storage2. UICC3. Cloud


WWWCloud

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

Wallet

GUI

Core


Controller



Card Selector


Execution Runtime

Environment


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




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


WWWCloud

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

Wallet

GUI

Core


Controller



Card Selector


Execution Runtime

Environment


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




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


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.


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.

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

Documents

upmobile wallet evolution

application card

simple phones

app logic

future walletarchitecture

wallet api

0oasis identity

wallet