Klaus Jansen-Knor's Page

Hi Klaus, sorry for the confusion, I meant "touch" vs "hold" paradigm which indeed denotes the additional delay, as you already assumed. To my best knowledge, all the interaction between reader and SE is local, e.g. the SE will typically not contact the acquirer during the SE-to-reader data transaction. The reader may check the the SE data after the "touch" and perform or reject the financial transaction, but this would not happen during the NFC transaction, right? Same as your contactless card will not contact the acquirer during or after a transaction. Putting the SE in the cloud would still mean to me that there would be excessive delay, unless a different system architecture would be applied (which I don´t know). Moreover, there must be something replacing the SE in the phone that securely and unambiguously links your phone to your particular SE in the cloud. I guess something like this is possible, but again, this system setup is new to me.

One occasion where the SE indeed contacts the acquirer is when a new Java-Card applet is downloaded or activated on the SE, but AFAIK this is typically not triggered by NFC.

This was the meaning of my initial comment, sorry I it was a bit fuzzy in the first one :-) Yes, we can continue this by mail to avoid further confusion on this portal (Stephan.Hartwig@Teleca.com)

Hi Klaus,

thanks a lot. Are you located in Frankfurt for CellPoint Mobile ?

CU, Jürgen