In-House Smart Chip Management System
A full suite of token management solutions offered in partnership with Visa, supporting cloud-based payments using Host Card Emulation (HCE), EMVCo tokenization and trusted services management (TSM).
Secure Element is considered to be one of the most secure solutions available in mobile payments. New players are introduced to the Secure Element pattern, such as the Root-TSM, manage the Secure Element, and the SP-TSM, manage the interaction between Root-TSM and Issuer, and may also provide Tokenization services. The approach centralizes around the replacement of the PAN with a surrogate “tokenized” PAN which is made resident on the phone’s Secure Element.
Provide enhanced security and improve risk management
Penetrate the market faster with established players (Apple Pay, card networks, etc.)
Simplify the customer experience with 1 tap when integrated with a fingerprint reader
Host Cloud Emulation
Host Card Emulation (HCE) is an alternative approach to mobile payment security where critical payment credentials are stored in a secure shared repository in “the cloud” rather than in a Secure Element inside the phone. Secure Element in the Cloud further expands the ACI Token Manager for Mobile platform to enable payment and other credentials such as transit, identity and loyalty to be issued and managed in a secure cloud server.
Eliminate mobile device dependency for storing credentials
Own the customer experience and enable future innovations
Reduce the cost and complexity of providing NFC mobile payments
Transact when the device is offline
Expand Your Solution
Explore related ACI Worldwide solutions to ensure your ongoing business success.
ACI Fraud Management for Banking
Real-time, machine-learning-driven fraud management solution for banks, processors, acquirers and payment networks.
ACI Fraud Management for Merchants
Multilayered, real-time fraud management and ongoing monitoring of online and mobile transactions for merchants and payment service providers.
Protect your customer data and reduce PCI-compliance obligations with single- and multi-use tokens.
Point-to-Point Eccryption protects payment data with instantly encrypted card and customer information from the terminal through to the payments switch.