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CTST May 2008
This document is prepared by CASSIS International solely for the use of our client, and it is not to be relied on by any third party without CASSIS' written consent.
Strictly Private and Confidential
Asia Pacific NFC Deployment Experience
Thian Yee Chuaty.chua@cassis-intl.com
Orlando14 May 2008
© CASSIS International, Strictly ConfidentialPage 2
Agenda
Consumer Landscape
User Experience
Deployment Examples
Conclusion
About CASSIS
© CASSIS International, Strictly ConfidentialPage 3
NFC/OTA Deployment Sites and Partners
USA France
Netherlands
Taiwan
Singapore
Australia
July 08
Finland
Korea
Malaysia
Korea
slovenia
Indonesia
© CASSIS International, Strictly ConfidentialPage 4
Consumer Landscape#1 Customers Pull
#2 Contactless Infrastructure Everywhere
#3 EMV and GP Enabled
SECURE ELEMENT ISSUER / OWNER DOMAIN
SECURE ELEMENT ISSUER / OWNER APPLICATIONS
APPLICATION OWNER’S DOMAIN
#1
APPLICATION OWNER’S DOMAIN
#2
APPLICATION OWNER’S DOMAIN
#N
SECURE ELEMENT MASTER KEY OWNED BY SECURE ELEMENT
ISSUER / OWNER
APPLICATION DOMAIN OWNER’S APPLICATIONS
APPLICATION DOMAIN OWNER’S APPLICATIONS
APPLICATION DOMAIN OWNER’S APPLICATIONS
APPLICATION DOMAIN KEYSETS OWNED BY RESPECTIVE
APPLICATION DOMAIN OWNER
SECURE ELEMENT ISSUER / OWNER :
• INSTALLS ITS APPLICATIONS INTO THE SECURE ELEMENT OWNER’S DOMAIN
• RESERVES RIGHT VIA SECURE ELEMENT MASTER KEY TO CREATE APPLICATION OWNER DOMAINS
APPLICATION DOMAIN OWNER :
• INSTALLS ITS APPLICATIONS INTO THE APPLICATION OWNER’S DOMAIN VIA THE APPLICATION DOMAIN KEY
SEC
UR
E EL
EMEN
T IS
SUER
DO
MA
INA
PPLI
CA
TIO
N
OW
NER
DO
MA
IN
#4 Largest Mobile Users Base
Asia Pacific (40%)~ 1.2B
ROW~ 1.7B
Source: GSMA Q4/07
© CASSIS International, Strictly ConfidentialPage 5
NFC Service Overview
Direct MarketplaceDirect Marketplace Remote MarketplaceRemote Marketplace
Buy or Top-Up
Service ProvidersService Providers
Trusted/TelcoService Manager
Trigger Smart Poster
Coupon Delivery
Buy
Loyalty Points Award & Instant
Redemption
Subscribe via OTA
Illustration OnlyIllustration Only
OTA, Security and Life Cycle Mgt
© CASSIS International, Strictly ConfidentialPage 6
Service Subscription Process
Trusted/Telecom Service Manager
OTA Remote Management
Loyalty & Coupon Management
Top-Up Management
Smart PosterManagement
Step 1 Service RegistrationStep 1 Service Registration
Card Issuer & Service Providers
Step 2 Approval NotificationStep 2 Approval Notification
Step 4
OTA Managed Services
Step 3 OTA Secured DownloadStep 3 OTA Secured Download
Payment
Transit
Coupon
Poster
Illustration OnlyIllustration Only
© CASSIS International, Strictly ConfidentialPage 7
Multi-discipline Expertise
• EMV DP & Personalization• Authentication• OTA• Mobile client application• Interface to other Mobile Services• Wireless Internet
• VAS applet, DP & Personalization• Authentication• OTA• Mobile client application• Interface to other Mobile Services• Wireless Internet
Deliver EMV Applications Deliver VAS Applications
© CASSIS International, Strictly ConfidentialPage 8
5 Key Considerations in Deployment
WAP / GPRS / UMTS etc
• Trust Model• CRM• Data Interface• Certification• Workflow
1
• PF and App Key Mgt• Life Cycle Mgt• EMV Data Preparation• Personalization Flow
2
• Operation Flow• Error Management• Protocols
3
• API to SE• Available models• API for UI development• Transaction terminal compatibility• NFC compliance
4
• Liabilities• Multi-sourcing• Standardization• API for UI development• Certification
5
Illustration OnlyIllustration Only
MobileMatrix[Remote Mgt Server]
Trusted/Telecom Service Manager
Card Issuer & Service Providers
© CASSIS International, Strictly ConfidentialPage 9
SK Telecom, Visa and LG Card - Korea
World’s first OTA download and personalization of Visa VSDC in 3G UICC
World’s first ‘Split Post Issuance’OTA Management Architect
World’s first Production Level system
Each party keeps their own secrets
Solution reviewed by Visa International
The only commercial and the largest OTA secure service delivery
Consumer
OTA NFC Platform(MNO)
NFC Handset Manufacturer
ORSecure Element
Manufacturer
Mobile Network
USIMUSIMUSIM
NFC SWP-SIM Enabled Phone
SD Creation
Mobile Network Operator
ISD Key Set
ISD Key Set
Visa Issuer(Card Issuer)
OTA NFC Platform
(Card Issuer)VPA EMV keys
SD keys
VPA Data
Client Application Load/Install and SD Key Rotation
SD Registration and Key Deposit
0a
0b
0b
1
3
4Initiate OTA Application
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2
MobileMatrix #1
MobileMatrix #2
© CASSIS International, Strictly ConfidentialPage 10
CHT, Visa and CTCB - Taiwan
World First commercial deployment of Visa Mobile Payment Platform
First OTA download and personalization of Visa payWave in Taiwan
Participants buy the phone and apply the credit card
CASSIS deployed the solution within 8 weeks after contract award
Services provided from CASSIS Digital Security Centre in Malaysia
Consumer
Nokia NFC Key
Nokia 6131NFC Enabled
Phone
OTA Activation Sequencei. SA MIDlet Downloadii. CTCB SD Creation
Security Domain keys (Initial & Final)
VPA Data
OTA Activation Sequence i. VPA Download & Installationii. VPA Personalizationiii. SD Rotate Initial to Final Key value (secured mode)iv. VMA Download
Security Domain (SD) Registration
& SD Initial Key Deposit
0a
0b
0b
1
3
4Initiate OTA Application
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Operated by CASSIS
ISD Key Set
Operated by CASSIS
VPA EMV keys
© CASSIS International, Strictly ConfidentialPage 11
Maybank, Visa and Maxis - Malaysia
Phase 2 of NFC Project using OTA Remote Management after the Phase 1 pre-issuance experiment
Expand services from Visa payWave to Smart Poster, Transit Ticketing and Top-up
Expand partnership from bank and telco to transit operator and media company
CASSIS deployed the solution within 8 weeks after contract award
Services provided from CASSIS Digital Security Centre in Malaysia
© CASSIS International, Strictly ConfidentialPage 12
KTF, MC and LG Card - Korea
World’s First OTA Management on SWP-SIM using MasterCard Paypass
A GSM Association, Pay Buy Mobile project, demonstrated during 3GSM Conference Asia in November 2007
CASSIS deployed the end-to-end solution
Services provided from CASSIS Digital Security Centre in Malaysia
© CASSIS International, Strictly ConfidentialPage 13
CASSIS manages the NFC ecosystem
First NFC project in Singapore with 1,000 users initiated by the transit operator
Specially built NFC phones are used for this project incorporating Felicaand NFC
Users can use the NFC phone as the transit ticket and to tap on the smart poster for rewards, top-up will be deployed shortly
CASSIS manages the OTA download of the MIDlet on the phone, smart posters and the top-up
© CASSIS International, Strictly ConfidentialPage 14
How to make NFC projects more successful?Bring more convenient to consumers and encourage daily usage
Adapt technologies and solutions to workflows across the participating industries: payment, mobile, transit, retail, advertising, …
Maximize participants’ existing infrastructure usage
Strong marketing leadership – leverage on the always-on channel
Keep with the mainstream technologies – EMV and GP
Avoid being drawn into immature technologies – BIP, SCWS
NFC services can be deployed as short as 8 weeks
© CASSIS International, Strictly ConfidentialPage 15
About CASSIS
© CASSIS International, Strictly ConfidentialPage 16
CASSIS OverviewLeading innovator in Smart ServicesOne-stop end-to-end solution providerPioneer in Mobile Service Convergence between Mobile, Financial, Transit and MediaWide and extensive experience in cross-border geographies supportsCustomers in Asia, Europe and the USFounded in 2002, different nationalities with end-to-end knowledgePartner of Visa Mobile Payment Platform
© CASSIS International, Strictly ConfidentialPage 17
Our Offer
TopupMatrix
Card Issuers
SmartMatrix
Trusted Service Manager
Handset Maker
Payment Asso
USB Dongle
Smart Poster
ISO Card
Mobile PhonePosterMatrix
MobileMatrix
Management of Secure Elements, Keys and Applications
Telcos
Transits
Media
IT Services
Technology
NFC Ecosystem
Next Generation Secure Element
© CASSIS International, Strictly ConfidentialPage 18
Our Offices
Aix en Provence, France
Kuala Lumpur, Malaysia (TSM) Singapore (HQ)
Seoul, Korea
Beijing, China
Serving 28 Mobile Operators, Banks and Transit Operators or potentially 100M customers worldwide
© CASSIS International, Strictly ConfidentialPage 19
Singapore • Malaysia • Korea • France
Making Vision a Reality
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