Feeds

EU pay-by-tap accepts operator independence

GSMA not involved this time around

Top 5 reasons to deploy VMware with Tegile

The European Payments Council guidelines for NFC proximity payments are up for debate, and this time the operator isn't considered an essential component though still the preferred partner.

In its last paper on the subject the EPC worked with operator-consortium The GSMA to work out how payment applications should be installed onto a secure element embedded in the operator's SIM, but this time a greater variety of options is presented and interested parties are invited to comment by June 17.

The proposal (117-page PDF/1.9 MB) addresses the thorny question of where the secure element should reside, and thus who controls it. The three popular options: SIM, embedded and SC Card, are presented and while the report still comes down on the side of the SIM it admits that "some business-related aspects ... might prove to be challenging".

The quickest solution to deploy, according to the EPC, is one which uses a secure element embedded in a microSD card. Such a solution allows the issuing bank to own the secure element, and if the microSD includes an NFC antenna and radio stack (such as those being built by Device Fidelity), then no other integration is required.

However, a secure element on a microSD has no secure way of interacting with the screen or keypad of the phone, and so cannot be sure that communications are not being intercepted until standards are forthcoming.

Which is what the EPC document is all about: deciding which standards should be adopted to facilitate communications between the surprisingly large number of parties involved in the proximity-payment ecosystem.

The payment ecosystem

Note how the Mobile Network Operators (MNOs) are reduced to sitting in brackets

The document is aimed, primarily, at banks and payment processors, but it also highlights just how many parties intend to make money by facilitating proximity payments: quite possibly enough to threaten the viability of the whole idea. ®

Security for virtualized datacentres

More from The Register

next story
Brit telcos warn Scots that voting Yes could lead to HEFTY bills
BT and Co: Independence vote likely to mean 'increased costs'
Phones 4u slips into administration after EE cuts ties with Brit mobe retailer
More than 5,500 jobs could be axed if rescue mission fails
Will BlackBerry make a comeback with its SQUARE smartphones?
Plus PC PIMs from company formerly known as RIM
New 'Cosmos' browser surfs the net by TXT alone
No data plan? No WiFi? No worries ... except sluggish download speed
EE buys 58 Phones 4u stores for £2.5m after picking over carcass
Operator says it will safeguard 359 jobs, plans lick of paint
Radio hams can encrypt, in emergencies, says Ofcom
Consultation promises new spectrum and hints at relaxed licence conditions
Google+ GOING, GOING ... ? Newbie Gmailers no longer forced into mandatory ID slurp
Mountain View distances itself from lame 'network thingy'
Vodafone to buy 140 Phones 4u stores from stricken retailer
887 jobs 'preserved' in the process, says administrator PwC
Bonking with Apple has POUNDED mobe operators' wallets
... into submission. Weve squeals, ditches payment plans
prev story

Whitepapers

Secure remote control for conventional and virtual desktops
Balancing user privacy and privileged access, in accordance with compliance frameworks and legislation. Evaluating any potential remote control choice.
Intelligent flash storage arrays
Tegile Intelligent Storage Arrays with IntelliFlash helps IT boost storage utilization and effciency while delivering unmatched storage savings and performance.
WIN a very cool portable ZX Spectrum
Win a one-off portable Spectrum built by legendary hardware hacker Ben Heck
High Performance for All
While HPC is not new, it has traditionally been seen as a specialist area – is it now geared up to meet more mainstream requirements?
Beginner's guide to SSL certificates
De-mystify the technology involved and give you the information you need to make the best decision when considering your online security options.