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Mobile and Cloud-Based Payments

30 March, 2017

Understand the world of NFC & tokenised m-payments      

The promise of mobile and cloud-based payments is now becoming a reality. Mobile contactless payments are maturing in multiple markets and new developments such as the launch of Apple Pay, Android Pay and Samsung Pay are breaking through.

This one day workshop, delivered by Alex Lithgow Smith from Consult Hyperion, will enable you to understand the underlying technologies that are making this happen, the differences between Secure Element (SE) and Host Card Emulation (HCE), the importance of tokenisation and credential management, along with the impact and considerations for launching your mobile and cloud-based payment services.

We will comprehensively explore the deployment models and approaches of Apple Pay, Samsung Pay, Android Pay and Issuer HCE within the context of the existing payment ecosystem. In addition, you will learn about the key differences and options relating to user experience, risk management and card issuer control of each.

You will also learn about how best to implement mobile and cloud-based payments, along with the technical standards and specifications related to Host Card Emulation (HCE) and the security architecture.

Other technologies such as BLE and QR codes will also be covered to provide an insight into the opportunities that non-card and in-app payments present in the new emerging world of m-payments.

What does it cover?

  • The evolution of mobile payments and the current landscape
  • The technologies involved in mobile and cloud-based payments
  • Secure Element (SE) and Host Card Emulation (HCE) models for NFC
  • Tokenisation – what it is and how it works
  • Trusted Service Manager (TSM) and Token Service Providers (TSP) – how they work, benefits and limitations
  • Deployment models and approaches (Apple Pay, Samsung Pay, Android Pay, Issuer HCE) – how they work, the roles of each of the stakeholders and the user experience
  • Credential management – cryptogram authentication, provisioning, identification and verification
  • The services and tools available to implement cloud-based payments
  • The technical standards and specifications to meet scheme requirements
  • Other m-payment technologies and the future of mobile payments
  • The mobile /cloud-based payment implementation checklist
  • Plain English explanations on terminology and acronyms
  • Real-world examples and case studies and links to useful resources and links

What will you learn?

  • Acquire a clear picture on the mobile payment eco-system and the challenges, along with the opportunities, that this creates for developing new propositions
  • Understand the differences between Secure Element (SE) and HCE models
  • Know what tokenisation is and how it works
  • Understand the role of TSM’s and TSP’s and other digital enablement services
  • Assess the different deployment models, their features and benefits including Secure Element, Issuer HCE, Apple Pay, Samsung Pay and Android Pay
  • Understand best practices on mobile credential and security management
  • Be aware of the specifications and technical standards when implementing mobile / cloud-based payments
  • Be able to construct a business case for developing a mobile payment proposition
  • Have an increased awareness of other non-card and in-app payment technologies

Who is it for?

This workshop is aimed at anyone who is considering or in the process of implementing mobile and cloud-based payment technologies, such as:

  • Digital and innovation managers
  • Product owners or developers
  • Project and process managers
  • Business and solution analysts
  • Risk, security and fraud control managers
  • New employees in a mobile payment role

The Presenter – Alex Lithgow Smith

Alex Lithgow Smith is a Senior Consultant with Consult Hyperion, an independent technical consultancy specialising in payments, identity, and ticketing. With over fifteen years of experience in the payments industry with a strong background in EMV and contactless, Alex is currently helping banking and transit clients understand the implications of NFC Host Card Emulation and tokenisation. He is a Certified Smart Card Industry Professional and a Member of BCS, The Chartered Institute for IT.

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30 March, 2017
Event Category:


In-house Only


The Payment Business School
+44 (0) 207 205 2676