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The increasing need for trusted payment transactions has been driving the banking card market towards EMV chipand-pin

solutions. The STPay family offers a comprehensive range of Java OS-based banking solutions, covering awide range of

payment applications.

An end-to-end solution for smartphone OEMs, STPay-Mobile simplifies the deployment of digital wallets around the world.

Based on the ST54 single-chip solution, the all-in-one STPay-Mobile platform enables more convenient and more secure

services. It allows end consumers to use their smartphones as a card to pay, travel, unlock their car, and access restricted

areas.

STPay-Mobile brings the most advanced value proposition to smartphone OEMs and public transit agencies (PTAs) and is

compatible with over 50 PTAs worldwide. The solution is based on NFC technology powered by Snowball Technology, the

market leader in mobile ticketing platforms. It offers a one-stop-shop solution for fast and stable mobile transactions. STPay-

Mobile eliminates the need for updates on PTA readers and back-end sites, and streamlines service delivery. It allows OEMs to

deploy mobile wallets across several platforms and devices, while ensuring long-term viability

STPay-Mobile provides OEMs with easy access to many token service provider (TSP) schemes, such as MasterCard and Visa.

This plug & play solution brings users an enhanced online, in-app, and in-store payment experience.

STPAY-MOBILE

Flexible solution for platform development

• On-premise (server-to-server connection)

• SaaS (in-cloud hosting data center)

(*) Transit applets are: Calypso,

CIPURSE™, MIFARE®, MOT, MOC

OEM

Wallet

SDK

PTA OEM

App

SDK

Android SW stack

NFC/eSE

Transit

Applet*

ST54

OMAPI

NCI

NFC Ant

Public Transit

Agency Server

OEM server

On-Board platform

Payment center

SP-TSM

Notification service

SDK/Plug-in

gateway

Perso Data

Preparation

Operation

Management

Multi-transit scheme

STPay-Mobile

An ST cloud-based solution powered by

MOT (China)

MOC (China)

STPay-Mobile

An ST cloud-based solution

SP-TSM

Notification service

SDK/Plug-in

gateway

Perso Data

Preparation

Operation

Management

Multi Payment scheme

Token Service Provider (TSPs)

MDESS

VTS

Bank issuers

POS terminal

Payment networks

Authorization

Detokenization /

Tokenization

OEM

Wallet

SDK

Bank OEM

App

SDK

Android SW stack

OMAPI

NCI

NFC Ant

NFC/eSE

ST54

Payment applets

OEM server