HCE Smart Mobile Card – DOXX
Virtual Card DOXX - Stravné lístky, spol. s r.o.
Implementation period since the year 2017
Emulation of the smart card, DOXX Card in a mobile phone with NFC support. The option of payment via an emulated DOXX Card in a mobile phone at standard banking terminals, with support of contactless technology. DOXX – Stravné lístky has presented itself as a progressive company which was the first to offer the option of using NFC technology for payments using an electronic benefit voucher in the Slovak market. The application for Android is part of the DOXX Card mobile app, and is available in Google Play.
The customer and their requirement
DOXX – Stravné lístky issues plastic DOXX Card smart cards, which enable the drawing of the following benefits:
- e-meal vouchers
- e-benefit gift vouchers
- recreational vouchers.
The aim of the project
- to enable payment at a standard POS terminal using a mobile phone
- to enable persons other than the holder of the plastic version of the DOXX Card to use it for payment - the emulated card can be loaded onto any number of mobile phones
- to allow for online checks of the card balance, and other operations with the activated card
- to present DOXX – Stravné lístky as a modern, progressive company which successfully employs new technology in its business
Personalisation of emulated (virtual) DOXX Card meal voucher cards in mobile phones.
Properties of the supplied solution:
- application for payment by mobile phone with NFC
- a security concept which guarantees adequate security for the activation of and payment with an electronic meal voucher card using a mobile phone with an NFC interface and Android OS, support and further development of the mobile application.
The solution uses several elements and modules of the Switchio® platform:
- HCE cloud server
- HCE SDK
- mobile application
- HSM and SFTP server
HCE cloud server - this is the main part of the entire HCE SMC system. The HCE cloud server runs in a highly secure environment that is available 24/7. The HCE cloud server securely stores and distributes information used for the emulation of the cards in mobile devices.
HCE SDK - ensures secure communication with the HCE cloud server.
APP - mobile applications - mobile applications which contain the card issuer’s required business functions - plus the functions connected with the emulation of the card (the application includes HCE SDK). The mobile application on the Android platform implements the methods provided by the HCE SDK. The mobile application is responsible for activating the emulated card and the payment itself.
Card management system - the cards, and the balances on them, are stored here. Payment transactions are carried out via an authorization channel from the Acquirer’s terminal to the Card Issuer’s CMS. A closed payment system used for the management of account identities, the cards assigned to them, balances etc.
Benefits of the supplied solution
DOXX – Stravné lístky presented itself as a progressive company which offers its customers new technology. Payment by mobile phone serves both as support for the further expansion of payment by electronic benefit voucher, and as marketing support for communication with the customer for DOXX – Stravné lístky.
We’ve been collaborating with MONET + for several years. The deliveries of our cards were always precise, and corresponded to our requirements. That’s why, in the case of the “Card In Your Mobile” function, we didn’t even think about a different supplier. MONET+ supplies not just the service itself, but also added value in the area of consultation, with their ideas and recommendations. A reliable and functional service is the best recommendation. If we could go back in time, we would definitely choose MONET + again.
Mr Branislav Ondoš, MSc – Operations Director