Ericsson, in collaboration with Aconite and Zenius, has demonstrated 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 enables financial service providers to issue their applications to secure elements in NFC handsets while retaining complete control of their products, risk parameters and data.
The demonstration 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.
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 personalised OTA to secure elements in the phone, to permit payments to be made using the NFC interface.
