Push Provisioning

Concept definition

Today, cardholders can manually add their debit, credit or prepaid card to a digital wallet, such as Apple Pay, Google Pay, Samsung Pay, Click to Pay or manually key in card data into a merchant website. However, the manual process of keying data can add friction, resulting in fewer cards added to those locations. Push provisioning of the card allows cardholders to click a button in the mobile banking app that “pushes” the card (token) to a digital wallet or to any supported merchants.

The IDEMIA Push Provisioning service enables card issuers to implement push provisioning of cards from their mobile app.

IDEMIA acts as an enabler to trigger card enrolment or wallets or merchants from the issuer’s mobile app.

Use Cases

The IDEMIA Push Provisioning service covers the following use cases:

Push provisioning of a token to a mobile wallet allows cardholders to add a digital card into a mobile wallet, such as Apple Pay, Google Pay and Samsung Pay for proximity payments. The push provisioning service to a mobile wallet can also enable in-app payments in case merchants integrate these OEM “buy button” into their checkout page. Provisioning a token into mobile wallets is the most common use case and issuer integration for push provisioning.

Push provisioning of a token with participating merchant allows cardholders to easily save their card for recurring or future online payments with this specific merchant.

User Experience

Push provisioning to mobile wallet

Push provisioning to merchant

  • By removing the need to have a card in hand at the POS or manually enter card data online, push provisioning of a card removes most or all frictions from adding cards to a mobile device or merchant website
  • Instant access to payment credentials for digital first experiences: Cardholder can use digital payment credentials and push it to their preferred wallets or merchants, even before their physical card has been shipped,
  • Push provisioning of a card token adds a layer of security because only the token is shared or exposed, not the actual card number.

Key features

A single integration to ease push mechanism

The IDEMIA Push Provisioning service ensures a single integration by the issuer to “push provisioned” cards into all participating token requestors (mobile wallets or merchants) removing the in-house integration and resources needs as well was accelerating time-to-market. The IDEMIA Token Provisioning service provides the issuer with a list of all participating mobile wallets and merchants available (Token Requestor name and logo) to be displayed on the issuer’s mobile app.

Data bundle preparation for push to mobile wallets

The IDEMIA Push Provisioning service facilitates the initiation of the token provisioning from the issuer’s mobile app by preparing some card data bundle needed to trigger a card enrolment with a mobile wallet (OEM wallets). IDEMIA also provides a unified connectivity with major mobile wallets (Apple Pay, Google Pay, Samsung Pay) which is needed to check first if the card is not already enrolled within the wallet and then send the card data bundle and trigger to card enrolment between the mobile wallet and the associated TSP.

Specificities for push card to merchants

The push mechanism to merchants is technically different from the push to wallets and request more interaction with the network TSP through a specific service they expose to initiate the card enrolment with the merchants. The Push to merchant module comes with the IDEMIA Token Control Service (especially for first card look-up and merchants enrolment URL – see next section).

Activate new features

By relying on the IDEMIA Digital First Platforms Suite and relying on the IDEMIA Push Provisioning service, card issuers can easily access new services and make new features available via their mobile banking app to the cardholders.

The IDEMIA Digital First Platforms Suite operate as a multi-tenant cloud system offering card issuers a unique interface to activate features from their mobile banking app and for connectivity to Token Service Providers and Token Requestors, for a variety of use cases.

Service Benefits

The IDEMIA Push Provisioning service provides issuers with the following benefits:

  • Ease enrolment and ensure cards to be at the top of the wallet position: single integration to enable “push provisioning” of cards into all participating token requestors and for different payment networks,
  • Remove friction from the process of adding a card to the mobile wallet helping to pre-empt threats from other digital payment options,
  • Offering services corresponding to the “immediacy” expectations of today’s customers: holistic customer journey within the mobile banking application,
  • Limit integration and maintenance effort from mobile app developers: easy to integrate set of APIs and mobile SDK avoiding issuer’s developer to master and maintain payment process and logic

Integration overview

Below are the different end-points the issuer needs to integrate with to benefit from the IDEMIA Push Provisioning service:

  • The issuer integrates IDEMIA Issuer API for Push Provisioning with its Card Management System. This interface eases issuer’s role in implementing this push mechanism (especially for the card data transfer and bundle). If the issuer is not already connected to networks TSPs, IDEMIA can provide the IDEMIA Issuer to TSP Gateway service.

  • The issuer integrates the IDEMIA Push SDK to ease the push provisioning of cards (tokens) in-app or online through a single integration. This SDK comes with a set of APIs which ease to support of the push provisioning flow. The SDK is compatible with Android 7+ & iOS 13+.

Integration overview