Data Encryption and Tokenisation
Host Card Emulation
Host Card Emulation relies on tokenisation and secure cloud storage for account credentials, rather than a secure element chip in the phone. Card issuers retain control over payment issuance and user experience with any HCE-enabled phone. HCE-based mobile payments are endorsed by Visa and MasterCard, and can be deployed onto any NFC-enabled Android 4.4, Windows 10 or Blackberry based phone.
- Develop brand value: Add brand, loyalty, and promotional customisation to the user experience.
- No ecosystem dependency: Cloud based mobile payments require fewer intermediaries, accelerating time-to-market and giving issuers more control.
- Security: Approved vendors provide advanced tokenisation methods in a highly secure environment.
Secure Elements (SE) are tamper-resistant chips inside a mobile device that encrypt and store card data in a secure environment, either on the SIM/UICC card, a secure SD-card, or on an embedded chip in the handset. These implementations are favored by major phone manufacturers, international issuers, and payment networks since the SE provider can control access to the SE memory. The cpi Mobile™ platform acts as a consolidator for mobile app developers by centrally managing the permissions to the secure elements in the system.
- Simplifies implementation via our on-device software and server-side wallet manager.
- Provides full SP-TSM functionality, key management and SE access control.
- Works across embedded SE and SIM/UICC solutions.
cpi Mobile™ manages all credentials as tokens. Tokenisation is vital when data is held in phone memory rather than a secure element, and replaces sensitive PAN data with alternate data that is used for a limited time or to make only certain types of payments. Each transaction contains a unique data set that changes with every transaction, making one transaction's data valueless for future purchases. The issuer provides PANs, and cpi Mobile™ securely creates, distributes, and stores digital tokens in the mobile phone. When a consumer uses their phone to make a payment, the cpi Mobile™ platform maps the token back to the original PAN.