{"id":452,"date":"2013-09-20T13:42:14","date_gmt":"2013-09-20T13:42:14","guid":{"rendered":"http:\/\/www.nationaltransaction.com\/credit-card-merchant\/?p=452"},"modified":"2013-09-20T13:42:14","modified_gmt":"2013-09-20T13:42:14","slug":"hardware-key-to-mobile-commerces-future","status":"publish","type":"post","link":"https:\/\/www.nationaltransaction.com\/credit-card-merchant\/hardware-key-to-mobile-commerces-future\/","title":{"rendered":"\u201cHardware\u201d: Key to Mobile Commerce\u2019s Future"},"content":{"rendered":"

\u201cHardware\u201d: Key to Mobile Commerce\u2019s future <\/strong><\/p>\n

\"Mobile<\/a>

Credit: Flickr<\/a><\/p><\/div>\n

If you thought mobile commerce was about the cloud or software, proof to the contrary is mounting. In fact, four key moves by three big companies over the past week have provided more evidence that software and the cloud are taking a back seat to a significant force in mobile.<\/p>\n

OTA VS. Device Access <\/strong><\/p>\n

Without security mobile commerce is dead in its tracks after the first major breach. Two basic elements: Access to mobile apps and over-the -air security. Both necessary but they play entirely different roles. Mobile apps have direct access to our lives. With them we can share our professional story, personal lives and of course move money around with mobile banking and mobile commerce apps. Therefore, ensuring that no one but YOU can access your apps is important. That is why you probably have myriad user names, passwords and PINs. This brings us to our first big hardware move.<\/p>\n

Apple\u2019s Touch ID<\/strong><\/p>\n

Apple introduces hardwarebased biometrics with its new Touch ID. Essentially the first commercially product available biometric button, combines the user request (pushing button) and the identity check (scanning the fingerprint) into one action.<\/p>\n

Apple correctly presented this feature as an excellent for a personal identification number to activate the phone or complete an iTunes purchase.<\/p>\n

Apple\u2019s Secure Enclave<\/strong><\/p>\n

The \u201csecure element\u201d is essentially hardware and software that, when combined, function like a smartcard <\/b>running on a part of the mobile phone that no other app can access. <\/b>Apple announced that the highly sensitive fingerprint data from its Touch ID product would not be stored on a remote server, in the cloud or even in the iPhone memory. It will be stored in the \u201csecure enclave\u201d of its new A7 processor chip.<\/p>\n

Difference between a secure enclave and a secure element? Probably little or nothing. We don\u2019t know if Apple\u2019s secure enclave uses smartcard technology, we know it is essentially hardware and software running on the part of it\u2019s a& chip that no other app can access.<\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

\u201cHardware\u201d: Key to Mobile Commerce\u2019s future If you thought mobile commerce was about the cloud or software, proof to the<\/p>\n

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