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Bringing Simplicity & Trust to Mobile and Account-based Payments

From coin to cash to credit card, the way we pay has gone through many transformations throughout history. Today we are at the precipice of another exciting shift from physical to digital and beyond, with new technologies changing the very way we think about card- and account-based transactions. Card payments are transitioning from chip-and-PIN credit cards, to contactless mobile payments with biometric authentication, to in-app check-out with mixed payments and real-time redemption of loyalty. Account-to-account transactions are moving to real-time, with payments being processed in a matter of seconds versus days.

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See how Rambus envisions the future of payments.

Each step forward introduces brings us closer to effortless transactions, giving consumers greater convenience and added value services, but, at the same time, increases complexity and risk to the banks and retailers attempting to integrate the technology. As adoption of real-time payments continues to increase, so too does the demand for greater security to prevent fraud in account-to-account transactions. Our solutions bring simplicity and trust to mobile and account payments, making them faster and safer. Built on a foundation of security, our unified platform enables financial and commercial institutions to integrate with multiple payment schemes and OEM pay solutions through a single interface and extend the security benefits of tokenization to new use cases.
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Managing account data, faster and safer

Direct debit (ACH) account payments contribute to a large majority of the total non-cash payments value worldwide. The credentials associated with these accounts are stored in many different locations (including invoices, payrolls, ecommerce sites, mobile wallets and apps), making them potentially vulnerable for hacking. As more countries move to faster (or instant) account-to-account payments, the timeframe for detecting fraud is drastically decreasing, virtually illuminating the ability for financial institution to implement manual checks on the validity of payments. Rambus Payment Account Tokenization secures account-based payments by replacing the valuable account credentials with a cryptographic token. This process significantly reduces the risk and provided the foundation of a safe and secure instant payments framework. When implemented by a centralized body, like a central bank, Payment Account Tokenization reduces fraud while supporting a seamless integration for multiple use cases including push transactions between businesses, consumers and government.
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Secure mobile NFC transactions

The speed, convenience and added security of near field communication (NFC)-based payments is driving rapid consumer adoption worldwide. More secure than physical credit cards, our mobile payment solutions can be implemented via the cloud using host card emulation (HCE) and secured with device-specific cryptograms. Enhancing security further, integrated payment tokenization – the practice of protecting payment credentials by replacing them with a single-use unique code called a ‘payment token’ – makes sensitive data worthless if stolen. Using our robust and proven token service provider (TSP) and HCE software platforms, banks, retailers and payment processors can securely process and manage payment transactions throughout the lifecycle of a card or mobile phone. Additionally, integration of the software platform with the CryptoManager Core embedded into the mobile processor, offers enhanced security by managing tokens and secure functionality in a hardware root-of-trust.
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Simple system integration

With the growing number of payment schemes, OEM Pay solutions and mobile wallets, integrating secure mobile payments services into your products can be expensive and time consuming. Interoperability requirements differ for each of the schemes and update frequently as new security measures and features come into play, making it a challenge to roll out and maintain mobile payments to end users.

Our family of mobile payment solutions provides a simple and smooth integration path by providing a single software platform to connect to multiple payment schemes and OEM-pay solutions. Our software is flexible and modular, enabling customers to implement in phases – starting with a basic data preparation platform and expanding all the way to becoming a full TSP. In addition, our Mobile Payments products are fully aligned with global requirements and are certified by Visa, MasterCard and American Express.

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Greater control with a branded mobile wallet

The mobile money revolution brings benefits to all kinds of issuers. Retailers can engage their customers with an immersive in-app experience that travels with them throughout their shopping journey. For banks, digital wallets offer greater security than physical payment cards and help the deliver the latest user experiences and functionality demanded by their customers. With the ability to securely integrate multiple cards, coupons, gift cards and loyalty points into a single wallet, our Unified Payment Platform offers everything needed to launch and manage a secure, branded digital wallet that provides increased access and engagement with customers.


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Central Banks

As the importance tokenization grows in applications beyond payment card transactions to account-based transactions such as Peer to Peer (P2P), business invoicing, and payroll, Central Banks continue to play an integral role in a secure payments ecosystem. Rambus Payment Account Tokenization is a comprehensive software solution designed to protect real-time payments and traditional Automated Clearing House (ACH) transactions by enabling Central Banks and consortiums to offer a tokenization service for account-based transactions. Payment Account Tokenization leverages a proven process used to secure card payments to replace the valuable account credentials with a non-sensitive, restricted use token. In applying this technology to the account-based ecosystem, Central Banks and Automated Clearing Houses adopt the role of the Token Service Provider (TSP). This is a critical role in the management of tokenization within a region, but also a strategic one moving forward.
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Payment Processors

Payment processors play an essential role within card payments: they authorize payment orders and process the transfer from the bank to the merchant’s account. Rambus simplifies the potentially complex process of securely authorizing and managing payment transactions. The Rambus lifecycle management software takes a central role, allowing processors to easily handle all EMV transactions and EMV scripting processes while meeting demanding security requirements. Mobile payments require similar processing but create new opportunities. With our mobile solutions, payment processors can execute trusted service management (TSM) services in becoming a Service Provider TSM (SP-TSM) and gain a new role in the payments infrastructure. Rambus also offers solutions to manage the host card emulation (HCE).
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For banks and other financial card issuers that are considering issuing their payment products onto mobile near filed communication (NFC) phones, Rambus offers a robust and proven software platform to issue and manage both EMV chip cards and NFC enhanced mobile phones side by side.

Rambus provides financial institutions with complex lifecycle management capabilities for issued smart cards and NFC mobile phones along with multi-applications. Its solutions enable issuers to manage and control any EMV token, such as contact and contactless cards as well as applications on near field communication (NFC) enabled mobile phones. Due to this flexibility, our solutions can be implemented in phases. Banks can start with a basic data preparation platform and expand it to include multi-application management, for example, EMV scripting and instant issuance when required.

Rambus is dedicated to providing clients with solutions and secure applications for seamless integration into their products. See how Rambus mobile payment technology is making our customer’s products better.

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