Deploying GlobalPlatform Specifications within mobile telecom programs can:

• Enable Over-The-Air (OTA) download and management of value-added applications on USIM/SIM cards, providing greater program longevity and increased customer usage and retention
• Allow program implementers and third party application providers to confidentially install and manage their own individual applications, pre and post issuance, in a multi-application environment
• Protect the issuer's investment by 'future-proofing' the program against business decisions which have not been made at the time of deployment. GlobalPlatform's flexible and scalable infrastructure can accommodate significant changes to the program post-issuance.

Mobile Telecom Implementations:

KT Corporation (formerly Korea Telecom)
In association with a number of South Korean banks, KT Corporation, South Korea's largest telecommunications provider, undertook a program of issuing co-branded smart cards to subscribers, which initially included up to seven applications in the field of electronic payment (EMV credit/debit application and I-Cash electronic purse application), loyalty and ticketing.

By doing so, KT Corporation became the first card issuer/teleco provider to take the step away from magnetic stripe cards to offer its subscribers multi-application EMV smart cards in Korea. At least 1.6 million GlobalPlatform cards have been issued since 2003.

In the third quarter of 2002, KT Corporation selected Bell ID's ANDiS Management System to enable the central life cycle management of its EMV smart cards, applications and cryptographic keys. This Smart Card Management System (SCMS) enabled KT Corporation to issue both GlobalPlatform and MULTOS cards with post issuance personalization capabilities, allowing cardholders to load or remove up to five additional applications from their card after it had been issued. KT Corporation maintained full control over all card, application and key-related processes, whereas application providers and legacy systems were connected to KT Corporation's central ANDiS Management System, running in a UNIX environment.

GlobalPlatform member solution providers include Bell ID.

Mobile Banking Project
In 2004, Korea launched a mobile banking initiative, allowing citizens to perform bank related activities, such as money transfer and balance checking, with their mobile handsets. All Korean telco companies and banks were involved in this project which targeted a customer base of 35 million citizens, who over time will have the banking function incorporated into the handset. At least 2.5 million mobile subscribers are using this mobile banking function. The mobile banking chip application is based on the GlobalPlatform Card Specification v2.0.1 and is embedded in the handsets of four major handset manufacturers.

This service provides the telco companies with increased market share and profit as consumers are more likely to increase usage of their handsets. Visa reports that banks are also able to increase their market share and reduce costs by providing improved quality customer service and decreasing the need for direct customer care.

GlobalPlatform member solution providers include NXP Semiconductors and Visa Inc.

SK Telecom - Moneta Mobile Card
SK Telecom launched the Moneta Mobile Card at the end of 2001, co-branding with five South Korean issuers. The Moneta smart card was based on GlobalPlatform technology and supported several applications including EMV credit, Visa Cash e-purse, SKT membership functions and the SKT OK Cashbag loyalty application. In this program, cardholders were issued a mobile phone incorporating a full-size smart card slot, into which the cardholder inserted the Moneta card to make transactions over SKT's mobile network. In addition, the Moneta Mobile Card contained a separate 'Mifare' contactless chip, used for public transportation in Seoul. At least one million full size Moneta cards were deployed.

In March 2003 SKT redesigned the phone so cardholders were able to insert a SIM-size Moneta chip on the back of their phone to make transactions at the offline merchants. This deployment enables the end user to access many services such as online banking, online stock auctions and transit applications, in addition to allowing them to make online and offline payments, via a secure, GlobalPlatform technology based token which takes different form factors, such as a card or a SIM plug. SKT installed at least 400,000 'dongles' or contactless card readers and estimated that over 4.8 million handsets would be fitted with the payment chip through the life of the program.

In 2004, SKT added a check card function to the existing chip and handset, which they expected to increase the demand for handsets to over 1.5 million. SKT also planned to incorporate Over-The-Air (OTA) personalization and post-issuance download capabilities onto the card in the future.

GlobalPlatform member solution providers include Gemalto, NXP Semiconductors, and Visa Inc.

SK Telecom - OTA Application Download
In 2004, Singapore based Cassis International launched its MobileMatrix solution that enabled customers of SK Telecom, the leading mobile phone service provider in South Korea, to download a credit application onto the SIM Over-the-Air (OTA).

It was the world's first OTA download of an EMV payment application onto a USIM enabled 3G phone. The SIM card communicates with SK Telecom's back-office network and sends commands to drive the handset, allowing the mobile phone to act like a credit card. Customers are able to use the downloaded applications to make purchases with their phones via infrared waves or radio frequencies at point-of-sale terminals equipped with dongles to accept the transmissions.

Standardized GlobalPlatform software on the cards and back-end systems technology allows for secure downloads and keeps the applications separate with security firewalls. This implementation of GlobalPlatform brought new functionality to the ubiquitous mobile phone and transformed its traditional use into a one-stop payment device. SK Telecom customers can decide the type of applications loaded into their handset, including CAS (Conditional Access System) for DMB (Digital Multimedia Broadcasting through satellite) and T-Money (Public Transportation).

At least four million handsets support the 'Moneta' m-commerce project, which utilizes Cassis' MobileMatrix solution. The GlobalPlatform technology that makes the download, addition, and post-issuance of applications, possible is the GlobalPlatform Card and Key Management Specification as well as the Smart Card Management Functional Requirements.

The deployment of MobileMatrix to SK Telecom was the first eco-system to support GlobalPlatform cards in the mobile environment and was the first remote personalization of a Visa EMV application into the 3G SIM cards.

GlobalPlatform member solution providers include Cassis International.

Visa Wave Mobile - Malaysia
In April 2006, Visa launched a pilot program in Malaysia combining Visa Wave contactless payment technology and Near Field Communication (NFC) allowing 200 Maybankard Visa cardholders and Maxis phone subscribers to make payments via their cell phone at over 2,000 merchant outlets throughout Malaysia where Visa Wave is accepted.

The Mobile Visa Wave pilot progam was the first of its kind in the world and utilized GlobalPlatform's interoperable multi-application technology and the global EMV smart card standard to allow pilot participants to wave and pay with their cell phones at over 4,000 merchant locations where the Visa Wave sign is displayed.

GlobalPlatform member solution providers include Visa Inc.