Collaborative and Ubiquitous Consumer Oriented Trusted Service Manager

Near Field Communication (NFC) enables a mobile phone to emulate a contactless smart card. This has reinvigorated the multiapplication smart card initiative. Trusted Service Manager (TSM) is an entity that is trusted by all stakeholders in the proposed and trialled NFC-based smart card ecosystem. However, TSM-based models have the potential to create market segregation that might lead to limited or slow adoption. In addition, all major stakeholders (e.g. Telecom and banks) are pushing for their own TSM models and this might hinder deployment. In this paper we present a Collaborative and Ubiquitous Consumer Oriented Trusted Service Manager (CO-TSM) based model that combines different TSM models while providing scalability to the overall architecture. In addition, our proposal also provides flexibility to both consumers and application providers. To support our proposal, we present a core architecture based on two contrasting approaches: the Issuer Centric Smart Card Ownership Model (ICOM) and the User Centric Smart Card Ownership Model (UCOM). Based on the core architecture, we then describe our proposal for an application download framework and a secure channel protocol. Finally, the implementation experience and performance measurements for the secure channel protocol are discussed.