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Role of Trusted Service Manager in the NFC ecosystem WIMA, 29 th April 2008

Role of Trusted Service Manager in the NFC ecosystem WIMA, 29 th April 2008. Vincent Veran NFC Marketing Manager. NFC is very appealing. Payment. Plenty of nice services through a simple gesture. Loyalty. Travel. Smart poster. Ticketing.

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Role of Trusted Service Manager in the NFC ecosystem WIMA, 29 th April 2008

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  1. Role of Trusted Service Manager in the NFC ecosystemWIMA, 29th April 2008 Vincent VeranNFC Marketing Manager

  2. NFC is very appealing Payment Plenty of nice services through a simple gesture Loyalty Travel Smart poster Ticketing But… How to get there? NFC will start with payment and transport leveraging on contactless infrastructure

  3. Gemalto trials worldwide Finland Ireland The Netherlands France Canada Korea China Japan US Taiwan Mobile Transport Mobile Payment Major payment schemes

  4. Consumers love it! Satisfaction above 90% What happens if I loose my mobile? Threat … … and opportunity to offer new services Mobile phones One model is not enough Early adopters expect fancy phones What do consumers tell?

  5. Bringing together… • Different languages • Different time scales • Different security requirements • Success in trials came from open mind and willingness to co-operate between players. • An external facilitator helps. Mobile = global Payment = national Transport = local

  6. Trends on the business model • There is not a universal business model • Specific per country • Specific per application • Payment driven by new revenues • Transport driven by cost savings with a trend: no payment transaction fee for MNO • ROI comes from multiple applications from multiple providers. • Are consumers ready to pay for the NFC service?

  7. Basic needs Requirements • ROI comes from several applications (only 1 not enough) • Simplicity to add applications (and remove) • Service providers want to address end users whatever their network • Security & confidentiality of banking application • Flexible OTA solution for NFC application lifecycle management • Multi-MNO architecture • External trusted third party to guarantee the confidentiality of banking/ transport applications towards MNO. • Trusted Service Manager - Managing the lifecycle of contactless applications • Service enrollment • Mobile subscription change • Service termination • Service recovery in case of mobile lost or stolen Key success factors for application deployment

  8. Application lifecycle: example of banking • On-board mobile equipment banking environment set-up • creation of the secure environment for the bank • Service delivery • Customer Enrolment • Application confidential loading • Confidential personalization m-NFC banking service life cycle • Post issuance life cycle • Mobile payment ! • Service locking/unlocking • EMV scripting • End of life

  9. Technical TSM Commercial TSM Business facilitatorA one-stop shop for service providers to offer services to end-users, whatever their mobile network. Trusted Third Party (TTP)Guarantees security and confidentiality between Service Providers (banks, transport,…) and MNOs. Service operator Offers a 24x7 high availability service for mobile operators, banks, transport operators Role of Trusted Service Manager (TSM)

  10. Wide mobile payment project with 6 banks, 4 mobile operators, Visa and Mastercard • 1000 consumers, 200 stores in two cities: Caen and Strasbourg • Payment > 20€ -> PIN mandatory • Payment < 20€ -> PIN optional (user’s choice) • Objective: prepare the commercial launch • First worldwide live experience of OTA NFC personalization in UICC • Multiple players: all Mobile operators and major banks together • Both Visa and Mastercard • Gemalto operates the complete OTA service • OTA perso of EMV banking application on UICC • EMV counter reset • Application selection

  11. Lessons from Payez Mobile • Great team spirit: banks and MNOs are co-operating well together! • Gemalto leveraged from banking & telecom expertise - strong involvement of both teams • First time raised & addressed Challenges • Project Management (19 companies!!!) • Interoperability • Technical • Application selection – how to handle multiple credit cards in a SIM? • OTA banking personalization – moving from secure environment to OTA • EMV counter reset – how to use OTA for on-line transaction ? • Partners selection: March 2007 • Launch: November 2007  Gemalto operates the TSM service.

  12. Ready for commercial deployment! • World’s first comprehensive NFC management solution provided by Gemalto • Card and Application management system • Key management system • User interface application deployment • Payment, transport, loyalty, smart poster

  13. Thank you!Vincent VeranNFC Marketing Manager+33 6 26 30 11 53vincent.veran@gemalto.com

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