Sim based mobile wallet
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The document discusses the concept of a sim-based mobile wallet that enhances convenience and security in mobile transaction services by integrating card functionality into mobile devices. It outlines the architecture, technical aspects, and implementation processes, including a proof-of-concept for a cinema POS application. The conclusion highlights the challenges and potential of sim-wallets to revolutionize mobile applications by reducing the reliance on physical cards.
Sim based mobile wallet
- 1. Sim Based Mobile Wallet A convergent approach towards convenience and security in mobile transaction services
- 2. Contents • Introduction • Mobile wallet • Technical aspect and process support • Wallet architecture and implementation • Conclusion
- 3. 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
- 4. 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
- 5. 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
- 6. Wallet architecture and implementation
- 7. 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
- 8. • mWallet Framework Services The framework services we have identified are as follows • Application Life-Cycle Management Wallet application life cycle Wallet application life-cycle
- 9. • Application Meta-Data Persistence • Application Selection • Backend Integration Services • NFC Event Handling • Security features • Privacy features B
- 10. 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
- 11. • Proof-of-Concept Implementation i)NFC handset ii) Card Accetance System – Cinema POS A 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.
- 12. iii) Wallet CardStore Card Selection in POS Payment Transaction
- 13. 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