Mobile wallets are not only for payments. Mobile wallets will only be successfull if they incorporate loyalty programs, coupons, keys, online identity. The APIs and data must be open. A mobile wallet is not owned by the wallet operator but by the wallet user. This slide deck describes the architecture of the mobile wallet and the eco system the mobile wallet is embedded in. This architecture was developed in a project of Telekom Innovation Laboratories. The mobile wallet is open to all cards/services. Multiple cards for Identity, Payment, Loyalty, Coupons, … Provide framework to support major “standards”. User centric. Privacy build-in. Support mobile and web. Open to all operators.

1. Life is for sharing.
From plastic to secured bits – a wallet
for virtual cards on the mobile phone.
Axel Nennker, Deutsche Telekom Laboratories
December 8, 2010

2. 8.12.20102
Deutsche Telekom Laboratories
Agenda.
 Devices.
 User Interfaces
 Information Flow
 Current Architectures
 Architecture
 Wrap-up / Conclusions

3. Devices.

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Deutsche Telekom Laboratories
Mobile Wallet Evolution: Past to Present.
Billions of simple phones.
Nokia 6131 Nokia 6212 Samsung

5. 8.12.20105
Deutsche Telekom Laboratories
Mobile Wallet Evolution: Past to Present.
Billions (?) of simple phones: NFC
Nokia 6131 NFC Nokia 6212 NFC Samsung Star NFC

6. 8.12.20106
Deutsche Telekom Laboratories
Mobile Wallet Evolution: Past to Present.
Billions (?) of simple phones: UICC access
Nokia 6131
Secure element
Nokia 6212 NFC
Secure element
Samsung Star NFC

7. 8.12.20107
Deutsche Telekom Laboratories
Mobile Wallet Evolution: Future.
Smart Phones with NFC
iPhone 5 with NFC Nexus S with NFC

8. 8.12.20108
Deutsche Telekom Laboratories
Mobile Wallet Evolution: Past to Present.
Bridging Technology.
Gemalto NFC SIM
Bladdox
G&D microSD

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Deutsche Telekom Laboratories
Mobile Wallet Evolution: History.
PCs with NFC.
Mac and iPhones with NFC
Lenovo with NFC

10. User Interfaces.

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Deutsche Telekom Laboratories
Mobile Wallet Evolution UI.
Browser on PC.

12. 8.12.201012
Deutsche Telekom Laboratories
Mobile Wallet Evolution UI.
Browser on Smart Phone.

13. 8.12.201013
Deutsche Telekom Laboratories
Mobile Wallet Evolution UI.
Azigo for iPhone.

14. 8.12.201014
Deutsche Telekom Laboratories
Mobile Wallet Evolution UI.
T-Labs UI.

15. 8.12.201015
Deutsche Telekom Laboratories
Mobile Wallet Evolution.
In App Invocation of Wallet: top-up, fund

16. Flows.

17. 8.12.201017
Deutsche Telekom Laboratories
SIS
ntity Metasystem Interoperability Version 1.0
OASIS identity-1.0-spec-os.pdf

18. 8.12.201018
Deutsche Telekom Laboratories
SIS
ntity Metasystem Interoperability Version 1.0
OASIS identity-1.0-spec-os.pdf
Other Protocols
OpenID
SAML
Oauth
Proprietary Payment

19. 8.12.201019
Deutsche Telekom Laboratories
MVCo
ontactless Mobile Payment Architecture
EMVCo
20090915_AAUI 1 .pdf
EMVCo
Contactless_Mobile_
Payment_Architecture_
Overview_2010062808363068.pdf

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Deutsche Telekom Laboratories
MA
sted Service Manager Service Management
GSMA
EPC_GSMA_TSM_WP_V1.pdf
GSMA
International Remittance
Service Providers
WhitePaper(digital).pdf

21. 8.12.201021
Deutsche Telekom Laboratories
Mobile Wallet Proof of Concept.
Proprietary functional architecture for J2ME platform.
JSR177/257
NFC/SW
P
HTTP(s)
Service
Provision
OTA-API
(TSM)
User/
NFC
Handset
Card Issuer /
Service
Provider
Retailer
Secure
Element

22. 8.12.201022
Deutsche Telekom Laboratories
Mobile Wallet Proof of Concept.
System architecture for UICC enabled phones.

23. 8.12.201023
Deutsche Telekom Laboratories
Mobile Wallet Proof of Concept.
Wallet API.
Open

24. 8.12.201024
Deutsche Telekom Laboratories
Mobile Wallet Proof of Concept.
Wallet API.
Open

25. Have a
break.

26. 8.12.201026
Deutsche Telekom Laboratories
Mobile Wallet Evolution.
One wallet to rule them all?
€
 P2P
 Online Shopping
 Online Banking
 ATM Access
 Tickets
 Point of Sale Payment
 Loyalty Services
 Facility Access
 Online Authentication
 Online Authorization
 In-App Authn (Cloud Access)
VDV KA

27. Architecture.

28. 8.12.201028
Deutsche Telekom Laboratories
Information Card
 Metadata about the issuer, the user’s
attribute...
 Information Card is a card with a defined data
package.
 Standardized by OASIS (Organization for the
Advancement of Structured Information
Standards).
 Needs to support multiple protocols other
than WS-*
 Needs to support Telco authentication
 Support for mobile devices (lean data and
protocol)
Mobile Wallet Evolution: Overall Future Wallet
Architecture.
Two card categories from technical point of view.
Application Card
 Generally, the Application Card will be used
for proximity transactions.
 Application Card is a card with a dedicated
application and application logic (e.g. VISA
payWave).
 The communication protocol between
different kind of Application Cards and
acceptance systems/relying parties can be
very different.
VDV KA

29. 8.12.201029
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WWWClou
d
Mobile Wallet Evolution: Overall Future Wallet
Architecture.
Future wallet enables both proximity and internet
applications.
Wallet
GUI
Core
Connector ReceiverStorageCard Handler
Controller
Card ManagerConfiguration
Card Receiver APIStorage APIRequest Router APICard Handler API
Card Selector
Future Wallet Architecture
Execution
Runtime
Environment
Communication
Channels
Card Meta Data
Transaction
Data
Card
Deployment
Channels
User
Interface
Layer
User
Interface
Layer
Manageme
nt and App
Logic
Layer
Manageme
nt and App
Logic
Layer
Comm.
and
Storage
Layer
Comm.
and
Storage
Layer
NFC IP Networks OTA File Systems
Acceptance systems / Relying
parties
Physical storage mediumsCards / Applications

30. 8.12.201030
Deutsche Telekom Laboratories
WWWClou
d
Mobile Wallet Evolution: Overall Future Wallet
Architecture.
Management and App Logic.
Wallet
GUI
Core
Connector ReceiverStorageCard Handler
Controller
Card ManagerConfiguration
Card Receiver APIStorage APIRequest Router APICard Handler API
Card Selector
Future Wallet Architecture
Execution
Runtime
Environment
Communication
Channels
Card Meta Data
Transaction
Data
Card
Deployment
Channels
User
Interface
Layer
User
Interface
Layer
Manageme
nt and App
Logic
Layer
Manageme
nt and App
Logic
Layer
Comm.
and
Storage
Layer
Comm.
and
Storage
Layer
NFC IP Networks OTA File Systems
Acceptance systems / Relying
parties
Physical storage mediumsCards / Applications
Card Usage Card management

31. 8.12.201031
Deutsche Telekom Laboratories
WWWClou
d
Mobile Wallet Evolution: Overall Future Wallet
Architecture.
Management and App Logic: Management.
Wallet
GUI
Core
Connector ReceiverStorageCard Handler
Controller
Card ManagerConfiguration
Card Receiver APIStorage APIRequest Router APICard Handler API
Card Selector
Future Wallet Architecture
Execution
Runtime
Environment
Communication
Channels
Card Meta Data
Transaction
Data
Card
Deployment
Channels
User
Interface
Layer
User
Interface
Layer
Manageme
nt and App
Logic
Layer
Manageme
nt and App
Logic
Layer
Comm.
and
Storage
Layer
Comm.
and
Storage
Layer
NFC IP Networks OTA File Systems
Acceptance systems / Relying
parties
Physical storage mediumsCards / Applications
1. Import Card
2. Export Card
3. Synchronize Card
4. Edit Card

32. 8.12.201032
Deutsche Telekom Laboratories
WWWClou
d
Mobile Wallet Evolution: Overall Future Wallet
Architecture.
Management and App Logic: Usage.
Wallet
GUI
Core
Connector ReceiverStorageCard Handler
Controller
Card ManagerConfiguration
Card Receiver APIStorage APIRequest Router APICard Handler API
Card Selector
Future Wallet Architecture
Execution
Runtime
Environment
Communication
Channels
Card Meta Data
Transaction
Data
Card
Deployment
Channels
User
Interface
Layer
User
Interface
Layer
Manageme
nt and App
Logic
Layer
Manageme
nt and App
Logic
Layer
Comm.
and
Storage
Layer
Comm.
and
Storage
Layer
NFC IP Networks OTA File Systems
Acceptance systems / Relying
parties
Physical storage mediumsCards / Applications
1. GetToken -> Request Router
2. Card Selector (2 Mastercards)
3. Card Handler talks to Backend
4. Write Transaction Data

33. 8.12.201033
Deutsche Telekom Laboratories
WWWClou
d
Mobile Wallet Evolution: Overall Future Wallet
Architecture.
Communication and Storage: Storage.
Wallet
GUI
Core
Connector ReceiverStorageCard Handler
Controller
Card ManagerConfiguration
Card Receiver APIStorage APIRequest Router APICard Handler API
Card Selector
Future Wallet Architecture
Execution
Runtime
Environment
Communication
Channels
Card Meta Data
Transaction
Data
Card
Deployment
Channels
User
Interface
Layer
User
Interface
Layer
Manageme
nt and App
Logic
Layer
Manageme
nt and App
Logic
Layer
Comm.
and
Storage
Layer
Comm.
and
Storage
Layer
NFC IP Networks OTA File Systems
Acceptance systems / Relying
parties
Physical storage mediumsCards / Applications
1. Device storage
2. UICC
3. Cloud

34. 8.12.201034
Deutsche Telekom Laboratories
WWWClou
d
Mobile Wallet Evolution: Overall Future Wallet
Architecture.
Communication and Storage: Deployment.
Wallet
GUI
Core
Connector ReceiverStorageCard Handler
Controller
Card ManagerConfiguration
Card Receiver APIStorage APIRequest Router APICard Handler API
Card Selector
Future Wallet Architecture
Execution
Runtime
Environment
Communication
Channels
Card Meta Data
Transaction
Data
Card
Deployment
Channels
User
Interface
Layer
User
Interface
Layer
Manageme
nt and App
Logic
Layer
Manageme
nt and App
Logic
Layer
Comm.
and
Storage
Layer
Comm.
and
Storage
Layer
NFC IP Networks OTA File Systems
Acceptance systems / Relying
parties
Physical storage mediumsCards / Applications
1. OTA
2. File System
3. SMS / MMS
4. Download

35. 8.12.201035
Deutsche Telekom Laboratories
WWWClou
d
Mobile Wallet Evolution: Overall Future Wallet
Architecture.
Communication and Storage: Communication
Channels.
Wallet
GUI
Core
Connector ReceiverStorageCard Handler
Controller
Card ManagerConfiguration
Card Receiver APIStorage APIRequest Router APICard Handler API
Card Selector
Future Wallet Architecture
Execution
Runtime
Environment
Communication
Channels
Card Meta Data
Transaction
Data
Card
Deployment
Channels
User
Interface
Layer
User
Interface
Layer
Manageme
nt and App
Logic
Layer
Manageme
nt and App
Logic
Layer
Comm.
and
Storage
Layer
Comm.
and
Storage
Layer
NFC IP Networks OTA File Systems
Acceptance systems / Relying
parties
Physical storage mediumsCards / Applications
1. NFC
2. C2DM / Push
3. Bluetooth
4. USB Cable
5. SMS
6. USSD

36. .

37. 8.12.2010 37Deutsche Telekom Laboratories
Wrap-up
Mobile Wallet Evolution.
 Open to all cards.
 Multiple cards for Identity, Payment, Loyalty, Coupons, …
 Provide framework to support major “standards”.
 User centric.
 Privacy build-in.
 Support mobile and web.
 Open to all operators.

38. 8.12.2010 38Deutsche Telekom Laboratories
Still a lot of work to do.
I believe that we will see multi-
card wallets in the wild in 2011.
Wrap-up
Mobile Wallet Evolution.

39. Life is for sharing.
Thank you for your attention.