Sim Based Mobile Wallet A convergent approach towards convenience and security in mobile transaction services

Contents

• Introduction

• Mobile wallet

• Technical aspect and process support

• Wallet architecture and implementation

• Conclusion

Introduction

* Transaction services are increasingly executed in electronic format

* Plastic cards are a well-established, proven means of user-system interaction for this type of services

* No of plastic cards of different service providers for a user is difficult to manage

* Some vendors have started to move the card functionality from the plastic card onto the mobile device

Mobile Wallet

* The next generation of SIM cards, the UICC (Universal Integrated Circuit Cards)

* The mobile phone accommodates multiple transmission technologies such as UMTS and NFC

* Card backup & card transfer from one device from one device to another offer additional convenience to the user

* The mobile wallet upgrades the phones to an indispensable life companion – integrated in the mobile handset for the sake of convenience and security

Technical aspect and process support

•SIM-cards capable to host data and application components from multiple independent service providers

•Proximity and remote transmission channels

•A secure card management and handling framework implementing the functionalities of a secure card store itself and of both user interaction and service interaction with the card store.

•Backup and restore of the wallet contents, in order to protect against unavailability caused by loss or theft of the mobile handset, and to support migration from SIM to SIM

Wallet architecture and implementation

A. The architecture of the mobile wallet (mWallet), which consists of the following three parts:

• mWallet Hosting Environment

• mWallet Applications

application meta data

service logic on handset

service logic on secure element

• mWallet Framework Services

The framework services we have identified are as follows

• Application Life-Cycle Management

Wallet application life cycleWallet application life-cycle

• Application Meta-Data Persistence

• Application Selection

• Backend Integration Services

• NFC Event Handling

• Security features

• Privacy features

B

B. Application management

i) Common application data model

ii) Card metaphor based application UI model

C.Application Selection

Figure 5. S implified application selection protocol

• Proof-of-Concept Implementation

i)NFC handset

ii) Card Accetance System – Cinema POSA cinema POS application is developed to test the wallet and select the wallet

cards for a payment transaction. The call flow looks as follows:

Step 1: the film item is selected and the <Pay> button is pressed.

Step 2: the user puts his wallet phone onto the reader.

Step 3: the POS application sends a card selection request to the wallet application on the phone.

Step 4: the user picks up his phone, and a list of available payment cards is shown on UI for selection.

Step 5: the user selects a payment card and puts the phone back on the reader.

Step 6: based on the selected card the POS application gets the required information and completes the remaining steps of the payment process.

iii) Wallet CardStore

Card Selection in POS Payment Transaction

Conclusion

•SIM-wallet is still a challenging task for innovative product development in the field of mobile applications

•In the attempt may result in a new class of mobile applications substantially changing our lives, discharging us from carrying around an ever growing number of plastic cards with limited functionality, security and convenience.

•The mobile wallet upgrades the phones to an indispensable life companion –

•Wallet integrated in the mobile handset for the sake of convenience and security

Thankyou…

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