Mobile Wallet

With the market dynamics slowly but surely moving aggressively towards contactless payments especially through NFC technology, Financial Institutions, Telecom, Payment companies, retailers should, if not already done so, be ready to provide their customers, partners an option to transact using this technology.

NFC wallet is a mobile wallet that supports business applications with communications using secured devices that use a special chip on the smart phone called Secure Element. With the advantages of Secure Element in NFC Chip, wallet can store credit/debit cards, access cards, coupons, loyalty cards, prepaid cards, voucher, tickets and many other contents in the same wallet and manage them. This type of wallet requires the consumer to log in to the app, using perhaps a secure PIN or password. For the cardholder and the merchant, this is similar to how EMV PIN codes work. The wallet app can then be used for proximity "contactless" interaction with nearby contactless terminals, transport gates or other NFC devices These solutions have been implemented by 3rd party payment partners, Telco’s and Banks as extensions of their existing solutions to their customers, partners and consumers and which we can implement NFC wallet is flexible enough to adopt easily in current existing business environment, if a bank or any other service provider wants to have a wallet, we can design, develop, integrate to service providers using the Global Platform specified interfaces.

We at Girmiti take pride in the team that we have built and implemented platform for our customers and the same has been enhanced and integrated with Banks, Telecoms, Retailers and payment companies. The mobile group helps our customer to build and interface with backend systems to provide complete solutions for mobile payment or banking and are involved in build and deployments, testing, certifications and UAT with customers across regions. This has given us vast experience in developing the NFC Wallet for platforms including iPhone (iCarte), Android and Blackberry. We are one of the innovative technology companies with domain team who have been helping partners for Financial Institutions to enable their next generation customer offerings.

We have expertise to provide consultancy solutions, in the areas of Prepaid, Credit Debit, Gift and Loyalty card for verticals such as Retail, Banks, Health, Insurance, Sports Events, Restaurants, Food Chains, Gas Stations and Hospitals.

Girmiti Software’s team has vast experience in consulting, architecture, designing, developing, testing and supporting the NFC wallet with the key features covering -

  • Support for multiple smartphone

    • Blackberry

    • Android

    • iOS

    • J2ME

    • Windows

    • HTML 5

  • Support for multiple Secure Element types

    • Embedded – Blackberry, Android, J2ME devices

    • UICC – Blackberry, Android

    • MicroSD – iOS, Blackberry, Android

    • Bluetooth sticker – Blackberry, iOS, Android, Low end J2ME devices

    • Add on sleeves – iOS

  • Support for different types of business content cards

    • Credit, Debit

    • Access, Tickets

    • Prepaid and Loyalty cards

    • Gift Cards

    • Voucher, Coupons etc…

NFC Contactless, Mobile

  • Mastered Contactless Reader Development and Certification - PayPass, M-chip, VISA

  • Architecture, Design, Development of Wallet Library and SDK, middleware platform, customization to support UI and interchange of various Bank requirements

  • Wallet Application support for various smartphones, supporting leading TSMs, SD Cards and Contactless Sleeves

  • Various types of App development for Contactless Payment, Ticketing, Loyalty, mobile commerce, P2P, Store-discount promotion, QR Code, URI, Push messaging, Binary SMS

  • Features like Card download though OTA services of TSM, activation, upgrade, secure-element interaction, PIN management

  • Integration with Host NFC services to support Global platform protocols, Applets (Java Card) protocols support

  • Micro-SD, embedded secure element, with JSR protocols, NDEF, DesFire, contactless

  • Wallet Services and Connector integration with Banks (based on ISO-8583, APACs protocols)

Our team has developed and supported following for some of the pioneering NFC technology companies worldwide -

  • MMPP, VMPA credit card wallets for multiple banks

  • MCHIP Prepaid NFC Wallet for retail payments and transport industry in closed loop

  • Prepaid NFC Wallet for a large global financial group

  • NFC Wallet based Loyalty Points and Coupons in closed loop

  • NFC Wallet integrated with Location Based Services

  • TSM server wallet, remote administrative commands for locking lost or stolen devices, push remote contents

  • Using Location based information, Server can push dynamic data based on location, choice and time

  • Wallets supporting GP specification Ram-over-http or which be quickly pluggable to proprietary interfaces

  • Interfaces with Tokenization Server

  • Interfaces with HCE cloud

  • Interfaces with SP TSM and Issuance platform

Our experience and expertise also extends to interfacing the NFC Wallet with established TSM applications for its complete life cycle management.

Our team has worked and implemented on the standards of ISO 14443, ISO 7816, NDEF, GP Card Spec, GP Messaging, ETSI, GSM Specifications for our customers and their partners.

For more information please contact us at