- World’s first OTA (over-the-air) multi-card mobile payments solution at NFC Payments Europe 2012 London, 13-14 June
- Demonstration of Ericsson TSM service using Aconite MoAM™ Service Provider and Zenius wallet technology for personalization of payment applications
- Simplifies card issuance on different kinds of Secure Elements
Ericsson (NASDAQ:ERIC) demonstrated today its Trusted Service Manager (TSM) service live at NFC Payments Europe, The Royal Garden Hotel, London. The system allows remote deployment and removal of payment applications and demonstrates the use of mobile Point-of-Sale (POS) terminals for payment transactions. The solution provides financial service providers with the capability to issue their applications to secure elements in NFC handsets while retaining complete control of their products, risk parameters and data.
Richard Anell, Head of IPX, Ericsson, says; "With this demo, Ericsson and partners showed today the removal of one more barrier-to-entry for financial card issuers. We have further reduced the complexity of connecting to secure element issuers and demonstrated how simple it could be for credit card issuers to load payment cards securely onto mobile phones.”
John Wiese, Zenius CEO continues, “The standardized NFC ecosystem is rapidly becoming a reality, reducing the complexity and cost of commercial rollout to application issuers of all types and further underlining the ease and security of payment at the point of sale. We are providing a next-generation system that will finally allow the rapid introduction of mobile commerce globally.”
The demo shows the entire card issuance process, from consumer request, through delivery, activation and payment using the card. In this case a major credit/payment card is requested on a website. Card data is generated by Aconite’s MoAM system, and the card is then loaded onto the mobile phone using Ericsson’s IPX TSM remote application management service. A visual image of the card that was ordered and the credentials appear on the phone and the card is securely activated OTA (Over-The-Air). After provisioning the phone with multiple instances of two credit cards, the wallet phone was used to successfully select a specific account and complete a transaction using that account by tapping against the POS phone, running Zenius’ M-Transact software. This authenticated the account online and debited funds after confirmation by the consumer.
Patrick Register, Sales Director, Aconite, says: “The collaboration of Aconite, Ericsson and Zenius has created an end-to-end solution, for financial issuers, which gives them complete control of their business processes and payment data, without investment in mobile infrastructure. By minimizing investment in infrastructure components and maximizing issuer control over their mobile applications, we reduce capital investment and improve ROI, demonstrating the benefit of the standards based component system.”
The solution uses the Ericsson’s IPX TSM service, integrated through GlobalPlatform standard interfaces to Aconite’s MoAM Service Provider system and the Zenius mobile wallet. The solution allows payment application data to be generated, securely delivered to the TSM and then personalized OTA to secure elements in the phone, to permit payments to be made using the NFC interface.
With the Ericsson Trusted Service Manager (TSM) service providers have a shortcut to the NFC ecosystem, allowing them to securely and easily distribute and manage their contactless applications remotely. The TSM is offered as a Platform-as-a-Service (PaaS) and follows GlobalPlatform standards and makes it easier to offer NFC services reducing the need to integrate with each Secure Element issuer.
Aconite’s Mobile Application Manager (MoAM) provides mobile application issuers with a GlobalPlatform standard compliant service provider system, offering TSM plug-in capability and full application lifecycle management and data preparation functionality. MoAM can be offered as an in-sourced or managed service component and allows issuers to create, distribute and manage their secure mobile applications while simplifying the task of integrating to TSMs.
The Zenius Wallet System includes an API that enables card emulation and communication for all transaction applications including open and closed loop payment, transit, ticketing, loyalty, coupons, access, and identity. With the Zenius Wallet API, developers can easily integrate NFC functionality into mobile apps for both Android and iOS. The Wallet API provides access to applications for card emulation and peer-to-peer communication.
Ericsson Internet Payment Exchange (IPX) is a global mobile commerce and connectivity enabler. As a carrier/operator payment broker with connections to more than 100 network operators, IPX provides delivery and charging, using direct billing, premium SMS, Web and online mobile payment. Customers include more than 1000 successful multinationals reaching consumers with high disposable incomes in many countries across the globe.
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Ericsson is the world's leading provider of communications technology and services. We are enabling the Networked Society with efficient real-time solutions that allow us all to study, work and live our lives more freely, in sustainable societies around the world.
Our offering comprises services, software and infrastructure within Information and Communications Technology for telecom operators and other industries. Today more than 40 percent of the world's mobile traffic goes through Ericsson networks and we support customers' networks servicing more than 2.5 billion subscribers.
We operate in 180 countries and employ more than 100,000 people. Founded in 1876, Ericsson is headquartered in Stockholm, Sweden. In 2011 the company's net sales were SEK 226.9 billion (USD 35.0 billion). Ericsson is listed on NASDAQ OMX, Stockholm and NASDAQ, New York stock exchanges.