Proton World announced today the launch of Proton Prisma Mobile Profile (MP), a new product package in the Proton Prisma family, which brings the features of Proton Prisma to mobile phone SIMs, and is targeted at mobile telephony operators and their financial-sector and other m-commerce partners. Using Proton Prisma MP on a JavaÂ-based SIM will enable the delivery of the next generation of secure m-commerce services.
Proton Prisma MP dramatically lowers the total cost of ownership of the SIM, increases its life-cycle and provides financial-sector-level security. This means that the SIM issuer can create and maintain secure domains on the SIM, enabling the “leasing” of secure domains to service provider partners, such as banks, financial institutions and retailers. This provides a new source of revenue, widens the typical mobile phone customer base and reduces churn.
Proton Prisma MP suppresses the security discrepancies between financial-sector payment applications, m-commerce applications and typical SIM applications, so that their financial-sector partners could load their applications directly onto the SIM, enabling the end-users to access a whole range of secure financial services via their mobile phone handset. As in other sectors, Proton Prisma offers guaranteed application interoperability, independent of individual SIM manufactuers.
A PKI toolkit and an authentication application engine are two of the standard features of Proton Prisma MP. They can be used to develop WIM (Wireless Identity Module) applications. Mobile telephony operators can also integrate their own secure applications, such a pre-paid airtime re-load and premium services payment. The security domains concept offers a unique opportunity for mobile telephony operators and financial institutions to jointly-offer payment solutions (e.g. e-purse for micro-payments, EMV credit/debit for higher-value payments etc.) on the same mobile phone, with each partner retaining control of their respective applications.
Using Proton Prisma MP to combine multiple applications on one SIM, and moving to dynamic over-the-air application management will reduce the overall SIM infrastructure cost. Proton Prisma MP also offers financial institutions the chance to extend their electronic payment systems into a new customer base through collaboration with mobile telephony operators, extending their existing payment brands into new integrated solutions.
Proton Prisma MP can be used in all of the emerging m-commerce hardware models: single SIM handsets, dual-SIM handsets and single-SIM dual-slot handsets, (where a conventional bank-issued smart card can be used).
The first pilot test of Proton Prisma MP was launched in Belgium earlier this month by the Belgian Proton licensee Banksys, in collaboration with the mobile telephony operator Mobistar. In the first phase, customers using Mobistar’s prepaid Tempo package will be able to top-up their airtime account by using their handsets, equipped with Banksys’ banxafeÃ secure payment application, to transfer value from their bank account to their Mobistar account. Future phases may involve payments in shops and at web sites and access to banking services.
After an initial test period using members of the Mobistar staff, handsets equipped with the Proton Prisma MP SIM will be issued to selected customers in Q4 2001, and the Proton Prisma MP SIM will become standard issue to all Mobistar Tempo customers from Q1 2002 onwards.
Adrian di Fede, Vice-President, Products & Innovation at Proton World, said “Proton Prisma MP offers the secure payment and multiple-application solution that mobile telephony operators and their partners need. By bringing bank-level security to the SIM, introducing SIM-manufacturer-independence and a secure multiple-application platform, Proton World is offering both mobile telephony operators and financial institutions a new generation of secure solutions that will take m-commerce further along the path to maturity.”Details