HighTrustWallet is a project in EU’s Seventh Framework Programme for Research (FP7), under the theme Research for the benefit of SMEs.

The objective of the project is to build a framework for mobile wallets that provides the security levels QAA1-4 in a TSM architecture supporting the use of e-Identity cards on the mobile phone

Concept and project objectives

The objective of the project is to build a framework for mobile wallets. The purpose of this High Trust Wallet framework is to allow people to carry out secure transactions, including identification, payment, loyalty point collection, and service access with their smartphones. The range of services encompasses transactions where a physical card, token, or key of some sort was previously required. Thus, the framework may be said to perform the function of a virtual wallet containing virtual cards.

The framework will provide the security levels QAA1-4 supporting the use of e-Identity cards on the mobile phone. Many mobile wallets available today require the use of a physical secure element in the phone that is costly to gain access to and has limited storage capacity. As opposed to a physical wallet that usually contains identity cards; no mobile wallet available today can provide the electronic equivalent—the electronic identity (eID)—because there are no solutions that provide the required level of security. To make the mobile wallet a real alternative to the physical wallet, there is a need for more storage capacity and higher security levels.

Our idea is to develop a high-security wallet framework that can potentially be used in combination with mobile wallets from different providers. Combined with a secure element implemented in software, improved authentication methods and our Trusted Service Manager (TSM) back-end system we will be able to provide life-cycle management for services at different security levels. The use of a secure software element combined with our TSM system will provide a neutral point of contact between the users and the service provider, provide a cost-efficient solution for over-the air provisioning of mobile phones and reduce user lock-in imposed by mobile operators or mobile phone manufacturers.

Service providers with low security requirements will benefit from our innovations through easier access to the users and reduced costs for provisioning. Our innovation will aid the roll-out of eIDs in European countries by improving user-friendliness. This is an important step towards improving European eGovernment infrastructure. In particular the secure wallet technology and infrastructure developed in the project can be used to secure contactless payment based on Near Field Communication and Cloud Based Payment. Results obtained for integration of hardware based SEs in the wallet framework will be used for QAA4-level identification. The SMEs will benefit from increased revenue and sales of the developed technology and expect 5 years post project an accumulated turnover of €168 million from selling the new HighTrustWallet, creating an estimated 1120 jobs.