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Turn key solution For a

Mobile Wallet April 2013

- from coins – to paper – to cards – now to mobile phones -

TrustNordics Vision The Problem

The Solution



Replacing todays wallet by transferring all of your plastics into a mobile wallet – EASY AND SECURE

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With and without NFC.

Is the market ready? The Hype Curve

The Product Life Cycle Curve Mobile money services

NFC on mobile

Contactless ticketing and access

Contactless payment cards

Time

What is Propelling the Market? 

New Secure Element Technology (mSD & TEE) Available

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High penetration of smart phones with capability for SE/NFC

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Enhanced Security enables New Applications

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NFC and SE standards in place

Mobile First

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Increased Use of Loyalty Cards The Mobile Phone is On-Line Fraud Reduction and New Services

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Retailer rolls out NFC now

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Increase use of business intelligence, loyalty cards and use of Geo data

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Good business cases for the Service Providers

Our commitment to the market

Any

Any

Any

Service Provider – Application – Mobile Wallet – Bank – MNO – Secure Element Device - NFC or NOT – Operating System – Country – Market – Security Level Everything is build on International Standards

Support for any Secure Element (SE) SIM UICC

Phone OS

Owned by the MNOs

Connec tivity

mSD cards

Card container

OS app

TSM Proxy

The TSM owns the SE

Secure Element Service Provider Security Domain (SPSD)

Embedded SE

The handset manufacture owns the SE

SP 1

SP n

Applet

Applet

Applet Applet

Data

Issuer Security Domain

Near Field Communication

Other SE

•Cloud based SE •Encrypted SW SE

mWallet

SE

Back end - The eco system PCI/EMV compliant

TrustNordics Trusted Execution Environment App Store

Services and Subscriptions

Wallet backup

Prepaid

SP - TSM

PayPass PayWave Mifare UID LCM Support

Mobile Life Cycle Manager SE Chip Configurator

Root - TSM SE Chip Configurator

User Rights

Key Manager & HSM

Reporting

Tokens Notification

Connec tivity Secure OTA Component

Plug-ins

Phone OS

mWallet Framework

SP GW

SE - Farm

SP 1

…

CA

MNOs MNOs MNO

Card container

OS app

TSM Proxy

Secure Element Service Provider Security Domain (SPSD)

SP 1

SP n

Applet

Applet

Applet Applet

Data

Issuer Security Domain

SP n

Near Field Communication

MNO GW

SE issuer

mWallet

3rd MNOs MNOs party TSM

TrustNordics Wallet V2.00 

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  

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Turn-key solution for Banks, MNOs and Service providers

Multiple Payment Channels

Support 4 Operating systems

Release June

2013

1st.

August PCI and EMV approvals 25 standard Widgets or Applications

•

NFC 14443

•

Embedded

•

NFC 18092

•

SWP SIM

•

2D Codes

•

MicroSD

•

Cloud (OTA)

•

Cloud based

Multiple Handsets

Mobile Transaction Platform

Full TSM integration 1st.

Multiple Secure Elements

• Traceability • Reliability • Usability • Security

TSM TSM

• Testability TRUST Infrastructure

Multiple MNO/ TSM or Wallet

Multiple Service Providers

Supported Applications - Examples Payment Payment

Loyalty

Debit Cards

Credit Cards

Retail

Gas Stations

Prepaid

Invoice/SMS

Airlines

Coffee

Access Hospitals

ID-Cards University

Passport

Driver license

Health Cards

E-ID Cards

END USER

Parking

Skidata

TrustNordics : Turn-key solution 

Turn-key Mobile Wallet solution



Mobile Wallet Framework  APP (stand alone)  TrustNordics Wallet  White Label Wallet  3. Party Wallet  EMV-certified  Support: MS, Android, Apple, BB

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TSM (Turn-key)  Hosted solution  Secure Element provider  PCI and EMV

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Aggregator (build in-house)  ESB architecture  Application Integration

25 Standard Widget's and back-end system Reduce risk and cost - Increase “time-to-market”

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Ex: Airline Application 

Travel Card



Check-in



Confirmation



Special offers



Coupons



Payment



Voucher



Pay with bonus points



Social media connections



ID-Cards



TSM integration ready

Typical eco system – Connecting Everybody

Our offer – Turn key Mobile Wallet solution The best available Mobile Wallet framework in the world (TrustNordics branded or “White Label”) Turn-key Mobile Wallet Solution – ready “out-of-the-box” Certified, and integrated with our TSM Access to millions of Secure Elements TODAY Reduce cost & risk – Increase “time-to-market” We support ANY Bank, ANY application, ANY MNO, ANY Secure Element ANY Operating system

Quality (guaranteed SLA) and Low startup costs EMV & PCI approvals

Our offer

Get your cards connected into the mobile wallet NOW

Thank you for your time!

- from coins – to paper – to cards – now to mobile phones [email protected]

Mobil phone +46 702 502 1331