host card emulation

Bell ID & First Data Poland announce mobile payments collaboration and first live customer

ROTTERDAM, THE NETHERLANDS – Bell ID – the mobile payments specialist recently acquired by Rambus – has announced a new collaboration with First Data Poland to offer cloud-based mobile payments as a service to Polish banks. Through this collaboration, Eurobank Poland has integrated Bell ID’s Secure Element (SE) in the Cloud software and First Data Poland’s data preparation, personalization and processing services into its mobile wallet application.

As mobile payments are expected to see significant growth worldwide, Eurobank Poland’s implementation of Bell ID and First Data’s technologies is leading the way for easy, secure mobile payments to its more than one million customers through host card emulation (HCE) technology.

Eurobank – mobile money for Poland

“Eurobank has always offered its customers innovative products, so mobile payments are a big priority,” adds Wojciech Huminski, vice president of Eurobank. “First Data and Bell ID have given us a leading cloud-based solution that helped us to create our own mobile app, ensuring convenience and security for our customers, while providing flexibility for future needs.”

A powerful mobile payments partnership

“Our alliance with First Data makes life easy for banks,” comments David Orme, CEO of Bell ID. “The two platforms are fully integrated, enabling issuers to launch cloud-based mobile payments quickly and cost effectively. Mobile payments are at the heart of many banks’ strategies and it’s great to see the full-scale roll out of Eurobank’s mobile wallet, especially as contactless is booming in Poland.

The partnership combines Bell ID’s ability to securely transact payments in the cloud with First Data’s dynamic processing capabilities to support the next wave of mobile payment adoption. Bell ID’s cloud-based mobile payments software platform allows consumers to make contactless payments with Android mobile devices using near field communication (NFC). The First Data™ Mobile Platform offers customers data preparation and transaction processing, which is integrated seamlessly with the HCE solution provided by Bell ID.

“Bell ID supports the enablement of HCE mobile payments for our customers bypassing much of the complexity traditionally associated with launching mobile payment services,” said Damian Zapłata, General Manager of First Data, Poland.. With this partnership, banks do not need to invest in the infrastructure required to launch and manage mobile cloud-based payments, and our existing customers will be able to get up and running extremely quickly.”

A complete mobile payments solution

Bell ID Secure Element in the Cloud is fully compliant with the latest mobile payment security standards and supports advanced risk management, giving banks and customer’s confidence that their money and sensitive data is safe. Bell ID’s full suite of mobile solutions supports cloud based solutions using HCE, EMVCo tokenization, trusted services management (TSM) for SIM-based projects and for OEM Pay solutions that use embedded secure element solutions.

Mobile payments specialist, Bell ID, today announces that its host card emulation (HCE) mobile solution has been certified by three of the largest global payments schemes. Bell ID is the first vendor to receive approval from three schemes for its HCE platform, offering its customers the broadest range of options available on the market today.

The HCE specialist’s software manages the lifecycle of virtual cards, keys, certificates and NFC payment credentials in a secure, remote environment rather than in the mobile device, providing banks with the independence and control to manage customer payment assets.

“Bell ID was among the first to market with an HCE solution with Secure Element in the Cloud back in 2013, so we’re delighted to report a repeat performance in achieving compliance with the scheme’s specifications,” comments Pat Curran, Executive Chairman at Bell ID. “Despite the market’s rapid development, cloud-based mobile payments remain in their infancy so, understandably, issuers are seeking quality and interoperability reassurances both from third party vendors and the payment networks. The validation of our cloud-based payment solution in this way provides peace of mind that our application meets the major schemes’ worldwide functional and interoperability requirements.”

Bell ID® Secure Element in the Cloud provides the functionality to complete transactions through a remote secure element using a standard EMV contactless terminal and acceptance infrastructure. When consumers tap their phones to make transactions, card credentials are safely accessed and used securely to perform the transactions with the point-of-sale terminals. The data is presented in the same format as in a standard physical contactless card-present transaction.

In order to achieve these certifications, Bell ID was subjected to a number of stringent security and functionality reviews. The platform is aligned with global requirements supporting, for example, multiple application identifiers (AIDs) in the same funding account, in line with the specific requirements of the US market.

To find out more about mobile cloud payments using HCE, visit the Bell ID website. Bell ID’s full suite of mobile solutions supports cloud-based solutions using HCE, EMVCo tokenization, trusted services management (TSM) for SIM-based projects and for embedded secure element solutions.