The North Canton, Ohio-based Diebold partnered with the Austin, Texas-based payment technology firm SimplyTapp to roll out a secure, white label, mobile wallet offering that the companies said will reduce fraud during the onboarding process.
The $6.9 billion, Riverdale, Utah-based America First Credit Union is among the financial institutions to pilot the offering, which, according to the companies, reduces fraud by employing the secure architecture of the ATM network to onboard the user's card through standard, card-present, PIN-secured technology.
The secure card onboarding process, called XPRESSION™ SafeLoad, utilizes a process that Diebold said is unlike other mobile wallets that do not need a card to be present. Instead, it allows consumers to take a picture of the card or manually enter the card's digits to upload. Diebold's patent-pending process requires the card to be inserted into the ATM's card reader and be authenticated via PIN entry.
Enrollment requires consumers to insert their card into the ATM and enter their PIN number as usual, which Diebold said is the most secure transaction method available today. On the ATM screen, the consumer will then receive the option to enroll in their financial institution's mobile wallet. Once they choose this option, they can enter their mobile phone number and will receive a text message with a link to download the application.
SimplyTapp's HCE solution automatically encrypts, tokenizes and transfers the consumers' card data to the issuer's virtual cloud. This gives consumers immediate access to their phone's NFC tap-to-pay functionality at any ATM or point-of-sale device that accepts contactless payments.
"Being based in the Salt Lake City metropolitan area, we have a deep breadth of experience with a number of mobile and contactless technologies," Brice Mindrum, head of mobile services for America First Credit Union, explained. "We have been waiting for a mobile payment solution that also incorporates cardless access at the ATM in a way that supports and extends our brand to manage card onboarding more effectively."
Diebold Executive Vice President Alan Kerr stated, "Consumers these days carry cash, cards and a phone; how can they securely use these together? We brought our knowledge of authentication, security and ATM transaction processing to provide a better, more secure consumer experience."
Doug Yeager, SimplyTapp's CEO and co-founder, added, "Together with Diebold's secure self-service technology and our leading Cloud Token Solution, the need for highly secure authentication and card onboarding can now be fully realized at the convenience and familiarity of a bank's ATM."
In a recent Federal Reserve study, 62% of consumers said they are concerned with mobile payments security. And according to Accenture, customers overwhelmingly prefer and trust financial institutions to manage their financial data.
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Roy Urrico
Roy W. Urrico specializes in articles about financial technology and services for Credit Union Times, as well as ghostwriting, copywriting, and case studies. Also: writer/editor of a semi-annual newsletter for Association for Financial Technology since 1997 and history projects funded by the U.S Interior Department, National Park Service and Warren County (N.Y.).
