Feeds

EU pay-by-tap accepts operator independence

GSMA not involved this time around

The Power of One Infographic

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. ®

The Essential Guide to IT Transformation

More from The Register

next story
Apple orders huge MOUNTAIN of 80 MILLION 'Air' iPhone 6s
Bigger, harder trouser bulges foretold for fanbois
Major problems beset UK ISP filth filters: But it's OK, nobody uses them
It's almost as though pr0n was actually rather popular
Yorkshire cops fail to grasp principle behind BT Fon Wi-Fi network
'Prevent people that are passing by to hook up to your network', pleads plod
Google Nest, ARM, Samsung pull out Thread to strangle ZigBee
But there's a flaw in Google's IP-based IoT system
US freemium mobile network eyes up Europe
FreedomPop touts 'free' calls, texts and data
'Two-speed internet' storm turns FCC.gov into zero-speed website
Deadline for comments on net neutrality shake-up extended to Friday
Oh girl, you jus' didn't: Level 3 slaps Verizon in Netflix throttle blowup
Just hook us up to more 10Gbps ports, backbone biz yells in tit-for-tat spat
Want to beat Verizon's slow Netflix? Get a VPN
Exec finds stream speed climbs when smuggled out
prev story

Whitepapers

Seven Steps to Software Security
Seven practical steps you can begin to take today to secure your applications and prevent the damages a successful cyber-attack can cause.
Consolidation: The Foundation for IT Business Transformation
In this whitepaper learn how effective consolidation of IT and business resources can enable multiple, meaningful business benefits.
Designing a Defense for Mobile Applications
Learn about the various considerations for defending mobile applications - from the application architecture itself to the myriad testing technologies.
Build a business case: developing custom apps
Learn how to maximize the value of custom applications by accelerating and simplifying their development.
Consolidation: the foundation for IT and business transformation
In this whitepaper learn how effective consolidation of IT and business resources can enable multiple, meaningful business benefits.