The Role of TSM. TSM Functions. Guy Berg President Collis America May 6, 2009

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1 The Role of TSM TSM Functions Guy Berg President Collis America May 6,

2 TSM Trusted Service Manager Not a New Concept Many exist today Personalization Service Bureaus Issue cards for many banks and credit unions EMV Data Preparation and Key Management Acquirers Acquirer Transactions for many Independent Merchants IT Outsourcing Outsourced Data Warehousing 2

3 Global Test Tool & Consulting TBSP 3

4 Trusted Third Party NFC Pilot in Romania for ING System Design Consulting Component and Partner Participant Integration Project Lead Tested the System the components EMV application on the handset The interface with the terminal The interface with the TSM Interface between the TSM and the Bank Systems 4

5 Trusted Service Manager What is New for NFC? Why does NFC require a TSM? What does a TSM do for NFC? 5

6 What is New for NFC? Business Owner Business Owner Business Owner MNO Card Issuer Card Issuer 6

7 Mobile Network Operator Trusted Service Manager Mobile Issuer Merchant POS Acquirer Bank Issuer 2 Merchant POS Acquirer Acquirer Transit Issuer 7

8 Issuer Acquirer Transaction 8

9 What is New for NFC? Terminal Management Application Mgmt Key Mgmt Configuration Mgmt Handset Management Pymt Application Mgmt Version Mgmt Lifecycle Mgmt Pymt Appl Key Mgmt Activation Mgmt 9

10 Provisioning EMV Data Preparation HSM Key Mgmt Provisioning = application loading and initialization 10

11 Customer Care Will the service-call be a ping pong game between stakeholders Transit FIs Arenas Merchants Fast Food Merchants Card Issuers Enterprises Tolls iphone Visa Nokia Master Card Financial Applications Handsets Samsung Amex RIM Discover VAS Mobile Network Operators Loyalty Access Ticketing Coupon Sprint AT&T Verizon Cricket 11

12 New Functionality or New Entity TSM is typically presented as a Trusted Third Party providing TSM functionality Could TSM be new functionality within an existing business? 12

13 Each Application Provider Provides TSM functionality AT&T T-Mobile Verizon Sprint MNOs 13

14 Independent Party Provides TSM Functionality Seamlessly serves multiple market segments AT&T TSM T-Mobile Verizon Sprint MNOs 14

15 MNO Provides the TSM Functionality Seamlessly serves multiple market segments TSM AT&T TSM T-Mobile TSM Verizon TSM Sprint MNOs 15

16 Where will the Functionality Reside? TSM AT&T TSM TSM T-Mobile TSM Verizon TSM Sprint MNOs 16

17 Not a New Concept Trusted Third Party is Not New Merchant Acquirers do it today for terminals First Data and others do it for banks Card Service bureaus do it for banks But, New Capabilities are Required OTA Over the air interaction with the Mobile Handset New kind of application and key management 17

18 What is New for NFC? Business Owner Payment Application Owner MNO Application Issuer Manage a application on a device you do not own. 18

19 Trusted Service Manager Role of the TSM Download/provisioning to a Mobile Phone Application Cardholder data Prepare for download Download Lifecycle management of Applications on the Phone Application Account Service for Applications on the Phone New Mobile Phone Activation/Personalization Deactivation of Application on the Old Mobile Phone Technical troubleshooting for Consumers 19

20 Trusted Service Manager offerings Venyon Gemalto Cassis International ViVOtech Atos Origin Oberthur etc. 20

21 Contact details Collis Global & EMEA Leiden, the Netherlands Call Visit Collis Asia Singapore Call Visit Collis France Paris, France Call Visit Collis Dubai Dubai, United Arab Emirates Call info@collisdubai.com Visit Collis America St. Paul, MN, USA Call info@collisamerica.com Visit Aspects Tools Edinburgh, United Kingdom Call info@aspectstools.com Visit 21

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