SINGLE LOCKED
Merchant Card QR
CODES QR DETOX
Merchant Card QR
To control access to protected assets like user data APP functionality and other resources, you’ll need to add author to your android/Apple or ISO app.
X.509 Certificate Based Authentication [ Credential Manager ]
Validate.
Mobile Store, Certificates using TTP API and communicate Status via secure HTTPS connection through Security Agent.
After establishing the secure session, SMBA executes THE Authentication Method.
For use with SIM CARDS.
_____________________________________|
Verify user | Verify the mobile | |
Name & Password | Device IMEI & |- IMEI |
| card serial | – SIM Serial |
| SIM number |
|
| Access Control |
|
| BANK | ————- | SERVER |
Savings | Two | Account
Acct 2 | Account | Third Acct.
___________________________________|
โ IMEI number โ SIM number
โ ISPC number
An International Signaling Point Code (ISPC) is a standardized numbering system used to identify a node on an international telecommunications network.
Authenticating a Subscriber on a Network
The Mobile Switching Center is where user information passes to the Home Locator Register, Visitor Locator Register, and Authentication Center. The Home Locator Register (HLR) is a database of a carrier’s subscribers and includes those users’ home addresses, IMSI, telephone numbers, SIM card ICCIDS, and services used. The Visitor Locator Register (VLR) is a database of information about a roaming subscriber. A subscriber can be found on only one HLR but can exist in multiple VLRS. The current location of a mobile station (handset) can be found on a VLR as well. The VLR also contains the Temporary Mobile Subscriber Identity. The Temporary Mobile Subscriber Identity (TMSI) is a randomly generated number that is assigned to a mobile station, by the VLR, when the handset is switched on, and is based on the geographic location.
The Equipment Identity Register (EIR) is used to track IMEI numbers and decide whether an IMEI is valid, suspect, or perhaps stolen. The Authentication Center (AuC) is a database that contains the subscriber’s IMSI, authentication, and encryption algorithms. The Authentication Center issues the subscriber an encryption key that encrypts wireless communications between the mobile equipment and the network.
Cellular Network Types
There are two types of cellular service carriers. A Mobile Network Operator (MNO) owns and operates a cellular network. The following companies are MNOS:
โ Verizon
โ T-Mobile
โ Sprint/Nextel
โ AT&T/Cingular
A Mobile Virtual Network Operator (MVNO) does not own its own cellular network, but operates on the network of a Mobile Network Operator. For example, Virgin Mobile USA has its own cellular service but operates on the Sprint Network. This means that two warrants may be needed for an investigation: one for Sprint (the MNO) and one for Virgin Mobile USA (the MVNO) to obtain a suspect’s records. The following companies are MVNOs:
The Country bank of Needham APP TERMS OF SERVICE for Payments
The phones nfc antenna, a built-in anti-interference security devices (a smart chip based on the emv standard, in which the users card information is protected, and the stores contactless nfc card reader.
When the consumer goes to check out of a store supporting nfc payment, the first open the application, enter the pin and click the payment button.
Alternatively after opening the app, they put the device above the reader, or the consumer may not need to open the app, and just simply holds the phone over the reader and waits. these methods depend on the customized standards of usage (for example, by visa pay Wave, mastercard pay pass, and discover zip) After completing the payment, the store’s reader alerts the consumer and the merchant with a sound, and the consumer’s phones also alerts or displays a message information them of the completed payment.
Financial institutions operate through payment service provider trusted service manager psp tsm)platforms to transfer issued financial cards, credit cards, debit cards, even easy pay cards and payments cooperating with third party payments providers. the account is uploaded to the phone using Over the Air (OTA) technology for nfc mobile payment
TSM is trusted independent third party agency which take commissions from service providers (such as issuers of credit, debit, or stored value cards, electronic tickets, point of cards, and coupons etc.,) to completed related mobile payment, as well downloaded, installation, and personalization of mobile business services.
the OTA technology mentioned above allows devices to receive data through mobile networks or wi-fi. this technology is most commonly used in software update. The software provider can notify the user to complete any update that is pushed through the network, and the user can also update apps directly on the device.
When OTA is applied to mobile payment, credit card user information is downloaded to the phone and combined with nfc technology making it possible to use the phone to pay.
In any payment network, the merchant (responsible for the consumer interface and payment at the point of sale). the acquirer (responsible for managing the merchant’s payment relationship), the credit, debit, or membership card issuer, and payment network (payment product, brands, and network processing) are fixed. The other processes, differ depending on the solution.
mobile phone suppliers need to manufacture nfc-enabled phones. Telecom operators provide mobile networks and manufacture secure components in accordance with their supplier agreements. TSM coordinates among issuers, telecommunication provider, and service providers as a bridge between payment and mobile industries, therefore todayโs mobile payments are mostly carried out in suppliers have also cooperated to establish TSM platforms.
TSM is the core of the successful mobile payments operation. global TSM services in countries except for Singapore, where the government led the way, are mainly oriented towards PSP TSM for industry characteristics, technical specifications, operational requirements and other professional areas, and are interfacing with telecommunications industry mobile network operators MNO’s
From the perspective of security, the main advantage of the nfc ecosystem is consumer protection. nfc payment is the most secure form of mobile transactions. in order to make a payment, the user must place the device very close to the reader. It uses a strong bank-level security architecture, such as a smart chip on the device (as opposed to an app storing consumer card data on an almost impossible to hack), secure OTA data connection multi-factor authentication, and PINs to prevent malicious use. If the user loses his/her phone, they call the bank or service provider to prevent unauthorized payments using the lost phone, or remove the phone payment service entirely.
2 mobile point of sale (mPOS)
The other direction of the development of proximity payments is mPOS, in which the store plugs into the device through its headphone jack or Bluetooth communication swipe the card after purchase, and enters their password or signature into the app in accordance with the operating rules of the issuing bank for transaction authorization.
mPOS works as follows:
step 1: After connecting to the wireless network, the card is connected to mPOS
Step 2: Open the app
Step 3: The teller enters the transaction amount and notes
step 4: Detail confirmation page. The consumer enters their mobile phone number or email to receive the electronic bill
Step 5: Signature
Step 6: Transaction complete
(3) host card emulation (HCE)
Although TSM integrates the service of telecom operators and bankers, and also coordinates with mobile phone manufacturers, it is difficult to integrate and coordinate so many services. Therefore, in march 2014 Google issued a public statement on the NFC forum that host card emulation HCE will be built into its android 4.4 operating system KitKat. The concept of HCE is to complete Secure Element (SE) functions apps on the phone or server software in the cloud.
An SE is a space for storing data, including credit card information and user information. There are three common types of security components. The first is a special Sim card. for examples, SWP-SIM cards store information in the card. The second is an additional embedded SE chip, which requires additional space in the phone. Finally, data can also be stored in micro SD cards.
HCE works as follows. In order to protect the payment tool card number information and its transaction key, the issuer prepares another set of virtual card numbers that do not actually exist to replace the primary account number (PAN). The transaction key originally stored in the SE, is moved to the cloud host. Only sending the limited-use or single use key to the payment application on the mobile device avoid the risk of leakage and card data counterfeiting. Due to restrictions on the validity period and use of the transaction key on the application, its validity period of can be shortended to about several hours to several days. That is, after the on the phone, so financial institutions and payment services providers are no longer restricted to the built-in SE.
There are three major advantages to not being restricted to the built in SE on the phone.
a. not only do financial institutions and payment providers control payments directly through the app, but they also eliminate the connection costs from OTA platforms during the mobile payment process, reducing construction and operating costs.
b. Service providers can can independently develop or integrate value-added functions to create additional revenue.
c. HCE can simulate chips in the cloud through the host. Moreover, mobile phones do not need to add secure components (and therefore secure component vendors), and telecommunication providers also do not need intervene to issue SIM card or insert an additional micro SD card, as long as the phone has the HCE function. Put simply, the procedure is convenient and no longer tied to credit cards or telecommunications operators.
However placing traditional SE chips in a Subscriber Identity Module (SIM) card still has its unique benefit. The TSM NFC card reader and the phones SE exchange data without passing through its CPU, or applications. The physical isolation of the SE ensures security, and more importantly, the SIM card is not restricted by the phones power supply or network. Furthermore, it can complete various offline proximity payment transactions. see figures 7-4 for a comparison of tsm and hse.
4. EMVCo Tokenization
The TSM platform or HSE operating process, as mentioned above, makes it possible for merchants to store customers card numbers, which raises the concern of data leakages. in order to solve the problem, EMVCo, the professional international payment chip card standard organization, published the emv payment tokenization specification-technical framework in march 2014, replacing traditional account numbers with random virtual codes. it was subsequently adopted by apple pay in September of that year, helping EMVCo tokenization enter the mobile payment market.
the original code concept refers to the exchange of transaction information as the consumer holds their credit card for mobile payment, and then passes it to the merchant. when the store receives the swipe request, the reader asks the issuer to authorize the card code. After the authorization is approved, a token is received by the customer. As long as the token on the phone is the same as that be completed for refer to figure 7-5 a tokenization service transaction flow chart.
In other words, the credit card number is managed by the more secure token vault. A group of card numbers can correspond to multiple sets of tokens, and the use of tokens is also limited. Therefore, if a token is lost or stolen, the loss is reduced a lot compared to before. In short, all card numbers and account information are replaced by token from the original card number. As a result, data Transmission is more secure, and stores no longer have to store card data, reducing the risk of fraud. In addition, the entire token is completed through a specific regional payment network, solving the security problems of online or card-not-present CNP credit transactions.
in September 2017, EMVCo proposed a further EMV payment tokenization specification-technical framework v2.0 to further integrate the tokens used in E -commerce into payment ecosystem. it will completely replace the one-way information link previously used to store information with member numbers. Moreover, it establishes application codes to help identify which device consumers are using on which channels, and what sorts of goods they purchase. In addition, the second- generation framework further strengthens the code processing structure, so that consumers can get more confirmation methods, thereby reducing the payment risk. furthermore, the expansion of the code also reduces misunderstandings in consumer data generated by the use of fake names or shared accounts.
5. QR codes
QR code payments do not have the problem of new cards and limited models. Consumers only need to download the corresponding app from the service provider and complete registration. After that, regardless of the smartphone brand, they can pick up the phone, open the app, choose the credit card to use, and present the code to the cashier to scan and pay, weather it is in a physical merchant or an online mall.
they can also use the phones camera to scan the merchants bar-code, enter the amount, and complete the payment, Because of this, the NFC and QR code dual-track strategy has been adopted by telecom operators and e-commerce companies, who are very actively promoting mobile payment services and are optimistic that QR code does not have the popularity problems of special specifications like NFC. with a lower entry barrier, QR codes are expected to be more popular than nfc.
the reason why QR code payments have been criticized in the past is that consumers needed to open the app and type in the password to enter the payment interface, which is much more tedious than the nfc payment method. which beeps as soon as the device is unlocked. however, in recent years, with the upgrade of apple and android systems, various apps have used bio-metric features such as the face and fingerprints for user identification. in addition, mobile phones are being equipped with finger print readers (or facial recognition systems) the development and application of quick login shortcuts has greatly shortened the payment process, increasing the convenience of QR codes customer willingness to use them.
The process can be further subdivided into online and offline payments. the two processes are summarized in the following table.
Online payments
store
1. merchant prepares transaction information and amount payable
2. the merchant generates a signed qr code based on the transaction amount.
consumer
1. scans the qr code
2. selects a card from their electronic wallet or uses a default virtual credit card
3. enters the pin or electronic signature using bio-metrics to connect to the payment back-end and confirm the transaction.
offline payments
consumer
1. selects or uses default virtual credit card in electronic wallet.
2. enters the purchase amount.
3. enters the pin or electronic signature using bio-metrics.
4. generates a qr code with an electronic signature for the transaction.
store
1. scans the qr code from the consumer.
2. executes electronic signature process after completing the confirmation.
3. links with the payment back-end to confirm the success of the transaction.
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