Mobile Payment and Security - Show Us The Money!
Sept. 2, 2015
Hello Group Members for NFC-Payment-TEE Security Meet-Up!
Announcing our September Conference:
How APPLE-ANDROID-MICROSOFT Handle mobile payments & Mobile Device Security -
SHOW US THE MONEY!
We have a great event planned for the Start of Fall on September 24th in the evening from 6:00PM-8:00PM in the Microsoft (Bellevue Square Mall) Store we have a splendid panel of guests from various payment and security ecosystems to sit on a mobile panel session titled Apple-Android-Microsoft Pay - Show Us the Money! Hosted by Startup Bellevue and Newport Technologies @ Microsoft Store. Food and Drinks will be provided, please RSVP
In this seminar panel, we still discuss Mobile Near Field Communications, mobile payment wallet usage, and mobile device security, specifically, The "TEE and ARM Trustzone”, two technologies being used Apple-Google-Microsoft’s Smartphone also with FIDO Alliance Authentication and we will discuss global market trends and how Mobile Payments in 2015 are becoming more secure, how the battle is heating up amongst these three huge rivals in the mobile payment sector. We will also tackle the road ahead for mobile payments in the USA and globally. Please join us for this interesting session.
Topic being discussed include the following:
Near Field Communications use cases (+HCE NFC)
Smart Card Technologies, eSE, Tokenization,
Biometric Authentication, FIDO Alliance, Wearables-full body!
Mobile Wallets HCE-NFC, Bluetooth LE, Bar Code,iBeacon
Remote & Proximity mobile payment platforms and Cloud (SaaS) Services
Moderator: Karl J. Weaver – Rivets – Greater China Biz Dev/Sales Mgr
AT&T Program Manager, Ms. Hsuan-Hua Chang – Author - "Everyday NFC: Near Field Communication Explained"(Amazon Books)
T-Mobile - Mobile payment or security representative - TBA
Trustonic Business Development Manager – Mr. Florent Joubert
ARM Bellevue Office, Business Development Director, Mr. Karthik Ranjan
Zensa, Inc. Mr. David Kelly, CTO, - Wearable’s and embedded Software Guru (Tentative)
Welcoming any Smartphone Handset OEMs interested to participate on this panel to please contact Karl J. Weaver.
Many companies have been in search of the Holy Grail of mobile payments for the past five years but only when Apple introduced Near Field Communications to their iPhone6/6+ devices and launched Apple “Pay" during October, 2014 (w/biometric Touch ID fingerprint authentication) did the floodgates start to open for mobile (NFC) payment acceptable and enthusiasm and retail and various other merchant alliances were quickly formed. In fact, Apple was the last major Smartphone vendor to enable NFC on iPhones, acting as a catalyst, to move mobile payments into reality on a large scale domestically and if logic stands to reason, they will implement additional NFC use cases, to enhance their product roadmap in the coming years. We can expect Apple iPhone-to-Tablet PC-to other device NFC connectivity for (peer-to-Peer) payments. Along the way, the Android and Microsoft mobile operating system markets have tried to be creative to keep up with this huge interest and euphoria in remote and proximity mobile payments on Apple iPhones. WHat really stands out though is Apple's security for payments, which is a tough play to make it stick in a fickle consumer electronics information society.
Samsung and other (new entrants like Alibaba/Alipay ALiyun OS) Smartphone manufacturers and ecosystem stakeholders had implemented Near Field Communications and enabled NFC and Bar Code compatible Mobile Wallet usage on Smartphones as early as 2011, however, it wasn’t until the security was proven successful that NFC and mobile wallet usage took off on Mobile Payment Smartphones, led by Samsung and Google in 2011.
Now, we can fast forward to see key Smartphone Operating Systems vendors (like Samsung & Ubuntu) trying to remain relevant in the light of Apple Pay. What is the next strategy for these OS vendors to compete? We can say, they have solid plans. Google implemented HFC NFC (Host Card Emulation) in late 2013 in their KitKat 4.4 OS and by mid-2014 HFC had gained mass approval by Banks, Credit card companies and even Smartphone handset manufacturers. Precisely, because it removes control of the USIM card SE (Secure Element) from being provisioned by wireless operators to store payment credentials and hence it bypasses (re-routes) the data away from the wireless operator’s USIM card and redirects it into the Cloud to provision the payment data and then download it back on to an application in the open OS of the Smartphone.
Operators such as AT&T, Verizon and T-Mobile (formerly ISIS then Softcard) would normally securely provision the USIM card to safely enable usage of your credit card number to perform mobile payment transactions through a TSM and SOftware payment platform. However, Google purchase the rights to Softcard Wallet in early 2015 and the paradigm has changed. For sure by the time of this conference Android "Pay" will officially be announced and perhaps we'll then know exactly what Google purchased from Softcard as it no longer exists, and a more competitive solution take shape for USA MNOs.
Microsoft has been attentively observing Apple Pay, Android Pay and planning how to implement mobile payments and decided to design HCE NFC into their Mobile Wallet to provision mobile payment Smartphones in the Cloud using Azure Cloud services and HCE NFC on Windows 10 mobile wallet application, however, it is also believed Microsoft wants to launch their own Nation-wide mobile payment platform and has been quietly applying for approval of licenses in various USA States, for an anticipated nationwide mobile payment platform. ALong with the launch of WIndows 10 in August, 2015 comes better security with Microsoft now a member of the FIDO Alliance and the use of Biometric Thumbprint becoming a standard two-factor authentication scheme for licensing Microsoft software from the Cloud moving forward.