u4ia® Mobile Financial Services · u4ia® Mobile Financial Services A neutral secure element...

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u4ia® Mobile Financial ServicesA neutral secure element solution to NFC

SIVA NARENDRA, Ph.D.CO-FOUNDER & CTO – Tyfone, Inc.

Credit

CashDebit

Prepaid

CheckPRECEDENCE ONCONVERSION &

INTERCHANGE REVENUEMATURE MARKET: NEED

FOR TOP OF WALLET

EMERGING MARKET: NEED FOR SECURITY

CONTACTLESS CREDIT

TRANSPORTATIONMERCHANT PREPAIDCONTACTLESS DEBIT

CUSTOMER CONVENIENCEOPERATIONAL COST REDUCTION

MOBILEUBIQUITOUSINTELLIGENT & SECURELBS & LOYALTY

© 2009. TYFONE CONFIDENTIAL PATENTS PENDING SLIDE NO. 2

$587,000,000,000GLOBAL TRANSACTIONS IN 2011

Juniper Research

884,000,000GLOBAL USERS IN 2012

IMS

$724,000,000,000CONTACTLESS PAYMENT 2007

Data Monitor

$240,000,000,000REMITTANCE 2007

World Bank

GLOBAL MARKETDIVERSE USER SEGMENTMULTITUDE OF USE CASES – PAYMENT AS DRIVER


NFC Phone withUICC/SIM/Integrated

Secure Element

INVESTMENT vs. ROI ~67% OF BASE NEEDS NEW HANDSETS /YRCRITICAL MASS OF NFC HANDSETSSIM/SE NOT CERTIFIED FOR PAYMENTS

Owns theSecure Element

Owns thePayment Account


SE OWNERSHIP vs. FRAUD LIABILITYWHO IS THE “ISSUER”?WHO HAS FRAUD LIABILITY?WHO MANAGERS CUSTOMER RELATIONSHIP?

TSM: Trusted Service Manager TRANS: Transportation MCHNT: Merchants FI: Banks & Financial Institutions MNO: Mobile Network Operator


SMARTCARD CHIP(Dual-interface &

CC EAL 5+ Certified withJava Applet)

ENERGY ENHANCEMENTS(Includes Tyfone IP to optimally use available energy)

TO ANY MEMORY CARD HOST(computer or mobile phone)

NAND Flash Memory

MEMORY CARD CONTROLLER(Includes Tyfone IP that enables ‘ANY PHONE’ implementation)

MEMORY CARD ANTENNA(Includes Tyfone IP for miniature antenna)

Interoperable Token for Security Element &Contactless Technology Integration

© 2009 TYFONE, INC. PATENTS PENDING SLIDE NO. 6

ANTENNA SIZE REDUCTIONOptimized energy usageMagnetic materialCoil manufacturing processAnalog enhancements

ISO7816 SUPPORT ON MEMORY PROTOCOL


SD Antenna microSD antenna

In form-factor antenna

Non-memory functions in a memory card

Complete infrastructure including software

Development kit for other 3rd party services*

Wireless DynamicsVivoTech

(Antenna too big)(SDIO based)

SanDiskHitachiKobil

(No antenna/function)(SDIO/McEX based)

Other attempts…

*In roadmap

G&DKoolspanCellIdea

(External antenna)

(Not a Mobile Financial Services Platform Solution)


App/Mobile Web/AJAX/SMS


TSM / ISSUER


SD card enhancements

SD card trials

SmartCard standards proposals

MicroSD card HVM manufacturing

MicroSD trails /deployment

ISO14443 certification

MicroSD trails /deployment

u4ia® Mobile Financial Services · u4ia® Mobile Financial Services A neutral secure element...

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