Switchio® HCE – DOXX Virtual Card

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

Supplied solution

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
• personalization
• 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.