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Mobile wallets are not only for payments. Mobile wallets will only be successfull if they incorporate loyalty programs, coupons, keys, online identity. The APIs and data must be open. A mobile wallet is not owned by the wallet operator but by the wallet user. This slide deck describes the architecture of the mobile wallet and the eco system the mobile wallet is embedded in. This architecture was developed in a project of Telekom Innovation Laboratories. The mobile wallet is open to all cards/services. Multiple cards for Identity, Payment, Loyalty, Coupons, … Provide framework to support major “standards”. User centric. Privacy build-in. Support mobile and web. Open to all operators.
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Life is for sharing.
From plastic to secured bits – a walletfor virtual cards on the mobile phone.Axel Nennker, Deutsche Telekom LaboratoriesDecember 8, 2010
8.12.2010 2Deutsche Telekom Laboratories
Agenda.
Devices. User Interfaces Information Flow Current Architectures Architecture Wrap-up / Conclusions
Devices.
8.12.2010 4Deutsche Telekom Laboratories
Mobile Wallet Evolution: Past to Present.Billions of simple phones.
Nokia 6131 Nokia 6212 Samsung
8.12.2010 5Deutsche Telekom Laboratories
Mobile Wallet Evolution: Past to Present.Billions (?) of simple phones: NFC
Nokia 6131 NFC Nokia 6212 NFC Samsung Star NFC
8.12.2010 6Deutsche Telekom Laboratories
Mobile Wallet Evolution: Past to Present.Billions (?) of simple phones: UICC access
Nokia 6131Secure element
Nokia 6212 NFCSecure element
Samsung Star NFC
8.12.2010 7Deutsche Telekom Laboratories
Mobile Wallet Evolution: Future.Smart Phones with NFC
iPhone 5 with NFC Nexus S with NFC
8.12.2010 8Deutsche Telekom Laboratories
Mobile Wallet Evolution: Past to Present.Bridging Technology.
Gemalto NFC SIM
Bladdox
G&D microSD
8.12.2010 9Deutsche Telekom Laboratories
Mobile Wallet Evolution: History.PCs with NFC.
Mac and iPhones with NFCLenovo with NFC
User Interfaces.
8.12.2010 11Deutsche Telekom Laboratories
Mobile Wallet Evolution UI.Browser on PC.
8.12.2010 12Deutsche Telekom Laboratories
Mobile Wallet Evolution UI.Browser on Smart Phone.
8.12.2010 13Deutsche Telekom Laboratories
Mobile Wallet Evolution UI.Azigo for iPhone.
8.12.2010 14Deutsche Telekom Laboratories
Mobile Wallet Evolution UI.T-Labs UI.
8.12.2010 15Deutsche Telekom Laboratories
Mobile Wallet Evolution.In App Invocation of Wallet: top-up, fund
Flows.
8.12.2010 17Deutsche Telekom Laboratories
OASIS
Identity Metasystem Interoperability Version 1.0
OASIS identity-1.0-spec-os.pdf
8.12.2010 18Deutsche Telekom Laboratories
OASIS
Identity Metasystem Interoperability Version 1.0
OASIS identity-1.0-spec-os.pdf
Other Protocols
OpenID
SAML
Oauth
Proprietary Payment
8.12.2010 19Deutsche Telekom Laboratories
EMVCo
Contactless Mobile Payment Architecture
EMVCo
20090915_AAUI 1 .pdf
EMVCo
Contactless_Mobile_
Payment_Architecture_
Overview_2010062808363068.pdf
8.12.2010 20Deutsche Telekom Laboratories
GSMA
Trusted Service Manager Service Management
GSMA
EPC_GSMA_TSM_WP_V1.pdf
GSMA
International Remittance
Service Providers
WhitePaper(digital).pdf
8.12.2010 21Deutsche Telekom Laboratories
Mobile Wallet Proof of Concept.Proprietary functional architecture for J2ME platform.
JSR177/257
NFC/SWPHTTP(s)
Service Provision OTA-API (TSM)
User/NFC
Handset
Card Issuer /Service Provider
Retailer
Secure Element
8.12.2010 22Deutsche Telekom Laboratories
Mobile Wallet Proof of Concept.System architecture for UICC enabled phones.
8.12.2010 23Deutsche Telekom Laboratories
Mobile Wallet Proof of Concept.Wallet API.
Open
8.12.2010 24Deutsche Telekom Laboratories
Mobile Wallet Proof of Concept.Wallet API.
Open
Have a break.
8.12.2010 26Deutsche Telekom Laboratories
Mobile Wallet Evolution.One wallet to rule them all?
€
P2P
Online Shopping
Online Banking
ATM Access
Tickets
Point of Sale Payment
Loyalty Services
Facility Access
Online Authentication
Online Authorization
In-App Authn (Cloud Access)
VDV KA
Architecture.
8.12.2010 28Deutsche Telekom Laboratories
Information Card
Metadata about the issuer, the user’s attribute...
Information Card is a card with a defined data package.
Standardized by OASIS (Organization for the Advancement of Structured Information Standards).
Needs to support multiple protocols other than WS-*
Needs to support Telco authentication Support for mobile devices (lean data
and protocol)
Mobile Wallet Evolution: Overall Future Wallet Architecture.Two card categories from technical point of view.Application Card
Generally, the Application Card will be used for proximity transactions.
Application Card is a card with a dedicated application and application logic (e.g. VISA payWave).
The communication protocol between different kind of Application Cards and acceptance systems/relying parties can be very different.
VDV KA
8.12.2010 29Deutsche Telekom Laboratories
WWWCloud
Mobile Wallet Evolution: Overall Future Wallet Architecture. Future wallet enables both proximity and internet applications.
Wallet
GUI
Core
Connector ReceiverStorageCard Handler
Controller
Card ManagerConfiguration
Card Receiver APIStorage APIRequest Router APICard Handler API
Card Selector
Future Wallet Architecture
Execution Runtime
Environment
Communication Channels
Card Meta Data
Transaction Data
Card Deployment
Channels
User Interface
Layer
User Interface
Layer
Management and
App Logic Layer
Management and
App Logic Layer
Comm. and
Storage Layer
Comm. and
Storage Layer
NFC IP Networks OTA File Systems
Acceptance systems / Relying parties
Physical storage mediumsCards / Applications
8.12.2010 30Deutsche Telekom Laboratories
WWWCloud
Mobile Wallet Evolution: Overall Future Wallet Architecture. Management and App Logic.
Wallet
GUI
Core
Connector ReceiverStorageCard Handler
Controller
Card ManagerConfiguration
Card Receiver APIStorage APIRequest Router APICard Handler API
Card Selector
Future Wallet Architecture
Execution Runtime
Environment
Communication Channels
Card Meta Data
Transaction Data
Card Deployment
Channels
User Interface
Layer
User Interface
Layer
Management and
App Logic Layer
Management and
App Logic Layer
Comm. and
Storage Layer
Comm. and
Storage Layer
NFC IP Networks OTA File Systems
Acceptance systems / Relying parties
Physical storage mediumsCards / Applications
Card Usage Card management
8.12.2010 31Deutsche Telekom Laboratories
WWWCloud
Mobile Wallet Evolution: Overall Future Wallet Architecture. Management and App Logic: Management.
Wallet
GUI
Core
Connector ReceiverStorageCard Handler
Controller
Card ManagerConfiguration
Card Receiver APIStorage APIRequest Router APICard Handler API
Card Selector
Future Wallet Architecture
Execution Runtime
Environment
Communication Channels
Card Meta Data
Transaction Data
Card Deployment
Channels
User Interface
Layer
User Interface
Layer
Management and
App Logic Layer
Management and
App Logic Layer
Comm. and
Storage Layer
Comm. and
Storage Layer
NFC IP Networks OTA File Systems
Acceptance systems / Relying parties
Physical storage mediumsCards / Applications
1. Import Card2. Export Card3. Synchronize Card4. Edit Card
8.12.2010 32Deutsche Telekom Laboratories
WWWCloud
Mobile Wallet Evolution: Overall Future Wallet Architecture. Management and App Logic: Usage.
Wallet
GUI
Core
Connector ReceiverStorageCard Handler
Controller
Card ManagerConfiguration
Card Receiver APIStorage APIRequest Router APICard Handler API
Card Selector
Future Wallet Architecture
Execution Runtime
Environment
Communication Channels
Card Meta Data
Transaction Data
Card Deployment
Channels
User Interface
Layer
User Interface
Layer
Management and
App Logic Layer
Management and
App Logic Layer
Comm. and
Storage Layer
Comm. and
Storage Layer
NFC IP Networks OTA File Systems
Acceptance systems / Relying parties
Physical storage mediumsCards / Applications
1. GetToken -> Request Router2. Card Selector (2 Mastercards)3. Card Handler talks to Backend4. Write Transaction Data
8.12.2010 33Deutsche Telekom Laboratories
WWWCloud
Mobile Wallet Evolution: Overall Future Wallet Architecture. Communication and Storage: Storage.
Wallet
GUI
Core
Connector ReceiverStorageCard Handler
Controller
Card ManagerConfiguration
Card Receiver APIStorage APIRequest Router APICard Handler API
Card Selector
Future Wallet Architecture
Execution Runtime
Environment
Communication Channels
Card Meta Data
Transaction Data
Card Deployment
Channels
User Interface
Layer
User Interface
Layer
Management and
App Logic Layer
Management and
App Logic Layer
Comm. and
Storage Layer
Comm. and
Storage Layer
NFC IP Networks OTA File Systems
Acceptance systems / Relying parties
Physical storage mediumsCards / Applications
1. Device storage2. UICC3. Cloud
8.12.2010 34Deutsche Telekom Laboratories
WWWCloud
Mobile Wallet Evolution: Overall Future Wallet Architecture. Communication and Storage: Deployment.
Wallet
GUI
Core
Connector ReceiverStorageCard Handler
Controller
Card ManagerConfiguration
Card Receiver APIStorage APIRequest Router APICard Handler API
Card Selector
Future Wallet Architecture
Execution Runtime
Environment
Communication Channels
Card Meta Data
Transaction Data
Card Deployment
Channels
User Interface
Layer
User Interface
Layer
Management and
App Logic Layer
Management and
App Logic Layer
Comm. and
Storage Layer
Comm. and
Storage Layer
NFC IP Networks OTA File Systems
Acceptance systems / Relying parties
Physical storage mediumsCards / Applications
1. OTA2. File System3. SMS / MMS4. Download
8.12.2010 35Deutsche Telekom Laboratories
WWWCloud
Mobile Wallet Evolution: Overall Future Wallet Architecture. Communication and Storage: Communication Channels.
Wallet
GUI
Core
Connector ReceiverStorageCard Handler
Controller
Card ManagerConfiguration
Card Receiver APIStorage APIRequest Router APICard Handler API
Card Selector
Future Wallet Architecture
Execution Runtime
Environment
Communication Channels
Card Meta Data
Transaction Data
Card Deployment
Channels
User Interface
Layer
User Interface
Layer
Management and
App Logic Layer
Management and
App Logic Layer
Comm. and
Storage Layer
Comm. and
Storage Layer
NFC IP Networks OTA File Systems
Acceptance systems / Relying parties
Physical storage mediumsCards / Applications
1. NFC2. C2DM / Push3. Bluetooth4. USB Cable5. SMS6. USSD
.
8.12.2010 37Deutsche Telekom Laboratories
Wrap-upMobile Wallet Evolution.
Open to all cards. Multiple cards for Identity, Payment, Loyalty, Coupons, … Provide framework to support major “standards”. User centric. Privacy build-in. Support mobile and web. Open to all operators.
8.12.2010 38Deutsche Telekom Laboratories
Still a lot of work to do.
I believe that we will see multi-card wallets in the wild in 2011.
Wrap-upMobile Wallet Evolution.
Life is for sharing.
Thank you for your attention.