NFC embedded microsd smart Card - Mobile ticketing opportunities in Transit

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1 NFC embedded microsd smart Card - Mobile ticketing opportunities in Transit July 2017 By:

2 Introduction Presentation is describing NFC enabled microsd smart card (LGM Card) Technical features and feasibility How it works in mobile transport ticketing How it can solve challenges faced by transport payments schemes References With the aim to present business model for mobile transport ticketing using LGM Card Trends in mobile transit Combined usage - store value card & open-loop card Partnerships in LGM Card to achieve ROI in mobile transport ticketing References 2

3 Current Product LGM Card Contactless microsd smart & memory card in 2014 certified as Mobile MasterCard PayPass product High performance miniature NFC antenna Two independent secure chips Mifare/MifareDESFire TECHNOLOGY DIFFERENTIATORS Antenna working under metals Embedded two secure chips ISO7816 contacts on the surface 16 GB of flash memory for user ISO 7816 contacts on its surface API for mobile payment UI application development Form Factor Flash Memory Secure Chips SDHC microsd card, Speed Class 10 (UHS-I) 16 GB SE#1: NXP J5C145, JCOP R1, 145 KB EEPROM memory, MIFARE FleX (4K) SE#2: NXP J5D081, JCOP R2, 80 KB EEPROM memory, MIFARE DESFire EV1 8K NFC Antenna ISO 14443A, ISO 18092, Compliant with MIFARE Interfaces Standard microsd interface, ISO 14443A, ISO

4 Check Feasibility in 4 steps LGM Card contains DESFire secure chip NXP: J5D081, JCOP R2, 80 KB EEPROM memory, MIFARE DESFire EV1 8K (should be compatible with coming EV2) LGM Card supports NFC rate of 106 Kbps only (PPS command can be set higher, but antenna system of LGM Card is limited to 106 Kbps baud rate). We recommend to test LGM Cards opposite to vendors gates system We provide 5 free samples, documentation and a simple demo application for Transit. After LGM Card is inserted into a mobile phone, transit demo application enables NFC antenna of LGM Card and access to secure chip MifareDESFire. Using test keys for DESFire chip will enable to store transit card on the secure chip and then to test LGM Cards opposite your gates systems Insert LGM Card into sd slot of a mobile phone. Open app LGM Card Transit Demo Place the phone on NFC reader connected to PC. Use Test Keys to load Your transit Store value card on DESFire chip Tap phone to access gates 4. GET 5 free samples 4

5 Easy integration with current services Card preparation and issuance is easy. Use current processes or OTI to load transit store value card or EMVCo transit card onto a secure chip; select Through NFC reader connected to PC - instant personalisation on branch (before distribution to customer and Before distribution to a customer and while LGM Card in a mobile phone) In a contact way on Datacard machines (before distribution to customer and only with LGM Card distributed in ID-1 size plastic carrier) Over the Internet (OTI) and UI mobile app in accordance with Key Management system set processes (possible after distribution to customer and while LGM Card in a mobile phone) Develop UI application Use our API and/or recommend development partners with references in transit projects in India Move current services into mobile phones Transit card stored on physical secure chip (no cloud / no HCE) Enter current turnstiles by tapping the phone (no need for update of gates) Online top-up and balance check (accessing current services from the phone) Cash top-up at the existing branches (no need to update the system)

6 Extended mobile ticketing services Seamless and secure online services from a mobile phone Benefit from secure access and customer identification. Store ID/certificates enabling to identify your customer (his mobile phone device) that is accessing remotely to your server. Adding both-side authentication will enable the highest level of secure access (PCI DSS standard for Multi-Factor Authentication ) Online top-up from a mobile phone Top-up of transit cards from bank cards stored on file Check transit card balance anytime Auto top-up Integrate bank card stored on the 2 nd secure chip of LGM Card to enable direct. In this use case TSM has to be developed and partnership with 3 rd parties agreed Top-up sum immediately available on transit card Collect data, deliver customized information to customer s phone Develop fare collection based on GPS / non GPS Replace current MNO billing Extend payments with transit card for merchants store

7 Alternatives in mobile Transit PRODUCT / SOLUTION for TRANSIT OPERATOR LGM Card (2SE+NFC) Close loop and EMVCo cards EMVCo cards HCE - Tokenization EMVCo cards Samsung Pay / Apple Pay CUSTOME BASE SIZE 80% of phones NFC phones with OS Android ver and higher Selected vendors Limited no. of models COSTS 1. Issuance 2. UI mobile application 3. Integration 4. Fees to TSM (optional) 1. Agreement with Issuer 2. UI mobile application 3. Integration / HCE 4. Turnstiles update 5. Fess for tokenization 1. Agreement with Issuer 2. UI mobile application 3. Integration / HCE 4. Turnstiles update 5. Fess for tokenization 6. Fees for phone vendor INDEPENDENCE Full control of Transit operator (customer & big data) Transit + Bank Phone vendor + Bank + Transit SECURITY SE on usd (hw strong) HCE, tokens (sw) SE on handset (hw strong) INCOME Transit revenues Online payments Cĺess POS payments Transit revenues shared with bank Transit revenues shared with phone vendor / bank Rent space of 2 nd secure chip 7

8 Various business Models We provide SecKeys to both secure chips to LGM Card issuer Issuer can manage life-cycle of secure chips using his Over the internet (OTI) infrastructures: Add /remove /activate /deactivate data or credentials stored on the chip Rent space to 3 rd parties to use secure chips and enable 3 rd parties to provide mobile services under their full control For EMVCo cards develop and certify TSM Transit provider can either take an active role and become LGM Card issuer or he can become 3 rd party and utilize MifareDESFire secure chip of LGM Card issued by other entity Business model varies market by market synergies for government/transit/banks/cloud sw wallet providers 8

9 Benefits for Government Store e-id cards including biometrics Government will personalize secure chip of LGM Card in their secure infrastructures like current e-id cards, driving licences, passports, social cards etc. Verification services Verify e-id / biometrics data stored on secure chip. No need to collect all sensitive data in centralized databases, vulnerable for violation. Identify each customer (his mobile phone device) who is accessing remote governmental servers Store electronic signature Offer verification services to other entities using secure chip(s) of LGM Card Payments for governmental services Governmental services / bills can be paid online from a mobile phone using any card on file (HCE), standard internet payments or to be paid on-spot using governmental c less kiosks Secure access to Governmental Cloud based services Store ID/certificates enabling to identify customer (his mobile phone device) that is accessing remote governmental servers Adding both-side authentication will enable the highest level of secure access (PCI DSS standard 9 for Multi-Factor Authentication )

10 Benefits for HCE providers Extended security Rent space of SE of LGM Card to HCE providers Provide services to HCE providers Store client certificate, ID, tokens Generate One-time passwords Add two-factor authentication (authenticate the user by conducting a request/response authentication session with a host server) to provide the top protection against stolen databases of passwords from servers and eliminating risk of violating a customer's account by cracking his password Offer VAS to HCE providers 10

11 Benefits for Banks Mobile cĺess payments and services with extended security EMV payments & EMV and transit card Issuing bank can personalize secure chip of LGM Card as a normal EMV bank card. All transactions processed through the existing payment industry infrastructure and standard interchange fees will apply in a wide range of card-present transactions, including: Contactless payments on a standard contactless POS Card-based internet payments (using CVC, CVV code) Transit operator and issuing bank can personalize multifunctional card Secure access to Direct banking services Internet banking. LGM Card can generate One time password (OTP) and display it on mobile phone screen. Client rewrites OTP value manually Mobile banking. OTP generator can be integrated into a mobile banking application and LGM Card can be used as a secure storage of clients certificates and interconnect LGM Card application and Mobile banking using API 11

12 Benefits for m-commerce providers Extended security and seamless mobile payments Rent space of SE of LGM Card to m-commerce providers VAS for payment gateways Store client certificate, ID, tokens or generate One-time passwords Add two-factor authentication Support LGM Card remote mobile payments on payment gateways using standard payment card data (CVV, CVC), yet without typing any payment card details during shopping or payment Bind with merchant s loyalty program or loyalty pre-paid cards 12

13 References Pilots undergoing in India and Dubai both with multi partners attendance We can recommend partner for TSM and we recommend company Next Gen Telesolutions, India with experience in transit application development and integration of LGM Card and offering services: Retailers Transit TSM MNOs Gov. NFC Banks 13

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