Mobile Card Payments

The existing practice of banks issuing physical cards that are sent to users could be replaced by a new section of intermediaries such as Trusted Service Managers (TSMs) which provide over-the-air provisioning capabilities to mobile devices.

Although new mobility for the customer inspires innovation, these developments also come with new data protection challenges. Whether organisations are issuing payment credentials and applications, accepting payments, or processing payments on the backend, they should protect stored customer and account information. Mobile transactions have to be secured, whether they occur via Near Field Communication (NFC) in a store, on a tablet or computer, or using a mobile phone over a wireless network.

Challenges:

  • To be flexible and ready to support a range of mobile payment modes and business models as they evolve
  • To execute traditional and mobile payment processes simultaneously, while avoiding the need for duplication of processing infrastructure as much as possible
  • To stay up-to-date with emerging technologies and standards for issuing credentials and applications, making payments, and accepting payments
  • To accommodate peer-to-peer payments as they expand the market beyond the world of retail
  • To build relationships with new players, including mobile device suppliers, peer-to-peer payment services, wallet providers, TSM services, loyalty applications, consumer credit scoring agencies, and others

Solutions:

  • Mobile Payments: Blue Star E&E's products and services help you introduce mobile payments into your business while maintaining the highest levels of performance and security. The specially designed features and functionalities of the payShield 9000 hardware security module (HSM) enable the entities involved in the issuance of applications to mobile phones to securely provision those applications.
  • Other Payment Capabilities: You can provision contactless payment card applications using NFC, peer-to-peer payments applications, etc. Blue Star E&E's solutions are based on the Global Platform Card Specification Version 2.2 and EMV Card Personalisation Specification (CPS V1.1), offering the capability to create a secure session with the Secure Element (SE) based on Global Platform Secure Channel Protocol 02 (SCP02) and to prepare secure messages for the SE.

Benefits:

  • Tackling new data protection challenges emerging with evolving mobile payments models and processes
  • Managing cryptographic keys effectively across the mobile payments process
  • Deploying proven, certified, tamper-resistant security solutions without compromising performance
  • Accelerating your deployments with products that can integrate out of the box with processing application software from leading vendors
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