Use-cases

LGM Card Use-cases

The LGM Card can be personalised as RuPay qSPARC card. During personalisation two separate secure domains can be created, one domain supporting qSPARC based payment applications; the second domain dedicated to non-qSPARC applications.

Creating two separate domains will enable to add following new NFC use-cases after the LGM Card distribution to customer:

  • qSPARC based use-cases, e.g.: transit card, parking card, campus card etc., while each app will occupy one Service Area (SA) of the qSPARC app.NPCI enables up to 20 qSPARC app based use-cases in one domain
  • Non-qSPARC use-cases e.g.: access cards – campus, hospital etc.

New NFC use-cases can be added after the LGM Card is distributed to the customer either over NFC or over the Internet. Besides NFC use-cases the LGM Card enables various secure remote use-cases,e.g. while using client certificates, Aadhaar number etc. stored on its secure chip.

 

 

LGM Card qSPARC based use-cases 

RuPay Contactless payments on POS

  • The Secure chip (SE) of the LGM Card stores qSPARC RuPay One Card
  • The microSD card is inserted in the SD slot of a mobile phone
  • Customer will enter Wallet application
  • He will select contactless payment with qSPARC RuPay One Card
  • He will tap his phone to NFC POS
  • He can easily top-up his qSPARC RuPay One Card from his mobile phone

RuPay Contactless payments & transit 

  • The Secure chip (SE) of the LGM Card stores qSPARC RuPay One Card
  • The microSD card is inserted in the SD slot of a mobile phone
  • Customer will enter Wallet application
  • He will select qSPARC RuPay One Card
  • He will tap his phone to NFC metro gate

RuPay Contactless payments & access

  • The Secure chip (SE) of the LGM Card stores Client ID Access Card
  • The LGM Card is inserted in the SD slot of the mobile phone
  • Customer will enter Wallet app and select Access Card
  • He will tap his phone to NFC enabled employer’s gate, campus gate, parking gate etc.

RuPay Contactless Payments for SmartCity Wallet

  • The LGM Card can be integrated is Smart City Wallet
  • The LGM Card will extend the Wallet services for various NFC use-cases using RuPayOne Card
    • for contactless POS payments – retail merchants
    • in transit 
    • for access

 

LGM Card Non-qSPARC use-cases

Contactless Stored Value Card in Transit

  • The Secure chip (SE – MIFARE®DESFire® EV1 8K) of the LGM Card stores Close loop transit card (SVC)
  • The microSD card is inserted in the SD slot of a mobile phone
  • Customer will enter Wallet application
  • He will select SVC
  • He will tap his phone to NFC metro gate

Contactless Access 

  • campuses and employers can store ID access cards on the secure chip of the the microSD card
  • microSD card is inserted in the SD slot of a mobile phone
  • students and employees can tap their phones to access gates to enter 

Secure Remote Identification

  • The secure chip (SE) of the LGM Card can store
    • digital certificates (client certificate, ID, token)
    • secure keys and PKI certificates
    • encrypt data
  • LGM Card is inserted in the SD slot of a mobile phone
  • A highly secure and convenient remote access from mobile phones
  • Both-side authentication between server and the mobile phone user (during which the Wallet application will read data from the SE of the LGM Card via a dedicated API and send it to the server to confirm that LGM Card was issued to the particular customer)

Aadhaar Secure Verification (Government) 

  • The secure chip (SE) of the LGM Card can store ID card, Aadhaar/Virtual number including biometrics data at client’s side
  • The LGM Card is inserted in the mobile phone
  • Governmental entities can verify the citizen (on-spot and remotely)
  • Every citizen who is accessing governmental server / cloud is securely authenticated
  • Support of electronic signature from a mobile device
  • Governmental can offer verification services to commercial entities
  • With RuPay card stored on the LGM Card payments for Governmental services can easily integrated

 

NFC Secure Dongle Use-cases

Secure NFC dongle is an electronic device that has embedded NFC antenna and a secure chip (SE). It is attached to a smartphone (COTS) via micro USB (and USB-C in the future). It suits COTS with OS Android and USB OTG support. It enables COTS to accept contactless cards. COTS need not to have internal NFC antenna. 

NFC Secure Dongle is aimed at Formal SME and Formal micro-merchants under verticals with prevailing micro-payments – e.g. F&B outlets,kiranastores, private cabs. Merchants need not to invest into a new NFC enabled smartphones. The solution needs active mobile data. Secure NFC Dongle is addressing about 657 mil. smartphones and smart feature phones (with OTG support and with microSD slot) in India.

 

Secure microSD extending SoftPOS Security

Secure microSD Card is a standard memory card with embedded secure chip that can extend security of SoftPOS solution (SW app).

It is strongly recommended by NPCI that SoftPOS solution should use COTS with hardware key store. Secure chipsets like secure elements, PUFs, and TPMs embedded in the smartphones meet increased security needs – yet Secure chip is controlled by phone vendor and still there are not so many such phones on the market. Secure chip of the Secure microSD card is independent on the smartphone and it will be under control of the SoftPOS solution provider.

From 960 mil. active mobile subscriptions in India 470 mil. (49%) using smartphones, from which we estimate 30% are NFC enabled (141 mil.) smart phones – that all can be extended with independent HW Key Store – by using Secure microSD Card.

SoftPOS with Secure microSD is aimed at Formal SME and Formal micro-merchants. 

 

Secure microSD Card for SoftPOS

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LOGOMOTION INDIA PRIVATE LIMITED

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Bangalore – 560076, India

Email: info@logomotion.in