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About LGM Card

LGM Card is a payment card that is the size of the MicroSD card, which is inserted into a mobile phone’s SD slot.
It enables contactless mobile payments.
At the same time it serves as a standard MicroSD memory card with 2-16 GB of capacity to store all your favorite files in your phone.

LGM Card could also function as an employee card or ID card.
It enables the storage of tickets, electronic signatures etc.

LGM Card is independent of mobile operators and handset manufacturers.
A client has constant control over payments that have been made with the LGM Card in his phone.

LGM Card has all the functions of current plastic contactless cards, creates new payment opportunities and has customer friendly features. All the payment types are charged to the payment account the Bank ties to LGM Card at personalization before issuing it to a client.

LGM Card allows a cardholder to:
  • Pay with or without PIN at a standard contactless POS terminal;
  • Pay for Internet purchases from their computer manually inputting payment account details or using an NFC USB memory stick or reader;
  • With a smart phone, LGM Card allows a cardholder to pay for content and services directly from his phone;
  • Send a person-to-person payment based on the mobile number of the recipient;
  • Send a person-to-business payment based on the merchant’s phone number; and
  • Top-up an LGM Card tied to a prepaid debit account.
We also have a complete solution for micro payments.

All the payment types are charged to the payment account the Bank ties to LGM Card at personalization before issuing it to a client.


For downloading:
LGM Mobile Payment Solution.pdf  [1.35 MB] application/pdf
LGM Card.pdf  [934.6kB] application/pdf

 

Availability

A bank will order LGM Card from its current Card supplier. LGM Card will be delivered to the Issuer ready for contact personalization on standard personalization machines in accordance with normal EMV specifications.

A bank issues the LGM Card with its own branding and service packages.
The LGM Card is delivered to the client just like a standard payment card.
When the LGM Card is taken out of its plastic frame, it is inserted into the client’s mobile phone.

Just like any mobile payments solution, LGM Card requires extensions of Banks’ systems.
For easy integration of the LGM Mobile payment solution into Banks’ systems, Logomotion has developed a number of supporting systems (LGM Card Systems) that meet Schemes’ requirements for mobile payments and OTA services.

The LGM Mobile payment solution requires minimal investment into banks’ systems extensions.

Activation - At a bank

A bank clerk inserts the LGM Card into the client’s phone and activates the LGM Card.
The clerk installs the LGM Card application on the phone.
The clerk sets the application up according to the client’s needs, except for the password, which is set by the client. This client is asked to enter his Activation code as part of the process.

The bank clerk shows the client how easily he can make payments with LGM Card.
The client can always find the information about the payment card data tied to his LGM Card by using the LGM phone application.

LGM Card has customer friendly features.
The wizard manages the entire process.

Activation - At home

Clients can manage LGM Card activation on their own.

The client inserts the LGM Card into his phone.
The client sends an SMS or uses an Internet address to request download of the LGM mobile phone application.
The phone starts installation of the mobile application, Over the Air.
The client opens the application in his mobile phone and he is prompted to send his Activation code.
His LGM Card is then activated online. 
The client sets up the application during the first start-up.
The client follows the instructions until the set-up is completed.

LGM Card has customer friendly features.


Activation - Before payment

Before each payment, always start the LGM Card application and enter your chosen password.
When the phone displays “Ready to pay”, it is ready for payment.

Information about payments is stored in the phone.
The information is available anytime.

Paying with LGM Card is easy, fast, comfortable, and secure.

Contactless payments - Without a PIN

A client can make payments in shops at common contactless terminals with the LGM Card in his mobile phone.
The client can pay for smaller purchases (usually up to 25 EUR) quickly and comfortably with one tap.

Transactions are authorized according to a normal risk management, with offline or online authorization, without PIN authentication on the POS.
All payments are processed according to normal Scheme rules.

Payment without a PIN is fast and simple for the client:
  • The client starts his LGM Card Mobile application;
  • He enters his password;
  • He taps his phone to the reader;
  • Payment is complete.

Information about the payment is stored in his phone.
The client can add his or her own comments to the payment record.

Contactless payments - With a PIN

A client can make payments in shops at common contactless terminals with the LGM Card in his mobile phone.
The client can pay for larger purchases (usually over 25 EUR) securely, by entering his PIN as usual.

Transactions are authorized according to a normal risk management, with offline or online authorization, with PIN authentication on the POS.
All payments are processed according to normal Scheme rules.

Payment is fast and simple for the client:
  • The client starts his LGM Card Mobile application;
  • He enters his password;
  • He taps his phone to the reader;
  • He enters his PIN; 
  • Payment is complete.

Information about the payment is stored in his phone.
The client can add his or her own comments to the payment record.

Contactless payments - Micro payments

A client can make micro purchases (usually up to 25 EUR) at kiosks, markets, fast food kiosks at school, etc. at LGM Mini POS terminals.

LGM Mini POSs can be installed at places where it has been impossible to install normal payment terminals until now, because LGM Mini POSs are relatively inexpensive and do not have to be connected to a processor’s network during the transaction.

LGM Mini POS accepts any LGM Card issued by any Bank.
LGM Mini POS is in this moment a completely new solution, which we strongly believe is the best way micro payments can be realized in a profitable, Bank centric business model.

Payment is fast and simple for the client:
  • The client starts his LGM Card Mobile application;
  • He enters his password;
  • He taps his phone to the LGM Mini POS;
  • He confirms the amount of the purchase on his phone;
  • He taps his phone to the LGM Mini POS;
  • Payment is complete.

Information about the payment is stored in the phone.
The client can add his or her own comments to the payment record.

For downloading:
LGM Mini POS.pdf  [1.31 MB] application/pdf

Contactless payments - Twinstep

A client can make payments in shops at common contactless terminals that are updated with the LGM payment application called TwinStep.

The client can pay without PIN for smaller purchases or for larger purchases (usually over 25 EUR) securely, by entering their PIN as usual.

During payment with online authorization and the second tap, data scripts from the client´s bank can be securely written from the contactless POS onto the LGM Card – resetting Offline counter and then enabling LGM Card for additional contactless payments without online authorization.

By clicking on the icon, the client selects the LGM Card and enters their chosen password.
The phone is ready for payments.
When the sum of the purchase is displayed on the payment terminal, the client taps the phone on the terminal.
The client enters their PIN
at the terminal.
When the PIN is entered, the client taps the phone on the terminal a second time.
The payment is completed.

Information about the payment is stored in the phone.
The client can add his or her own comments to the payment record.

Internet payment

LGM Card can be used to make payments over the Internet.
Internet payments with LGM Card are comfortable and highly secure.

When using the Internet payment method, LGM Card uses the payment card´s identification data that are normally used – the name of the holder, PAN, expiration, and CV control code.

There are two ways how LGM Card can be used for Internet payments:
  • In a common way – the client types all the card data displayed on his mobile phone screen manually into the computer, or
  • Using an NFC interface

The NFC interface can be built into a notebook, computer, mouse, etc., or the client can use an external NFC reader. The bank can provide the NFC reader for the client or the client can purchase it himself or herself.

The client makes a payment by tapping his phone on the contactless interface (NFC) and confirming the total of his purchase on their mobile phone.

When using an NFC interface and making payments at payment gates with the LGM Card logo the LGM Payment Wizard manages the entire process.
The client does not enter the payment card´s data anywhere and the merchant does not store any of the card´s data.
The card´s data are transmitted from the LGM Card in a contactless way, and are sent to the payment processor of the web merchant after being encrypted.
This way the card´s data cannot be misused, copied, or stolen when the client makes payments over the Internet or from the merchant´s store.
Fraudulent activity with the card´s data is minimized when using LGM Card.

If the payment gate does not have the LGM Card logo, a LGM application must first be installed onto the computer.
The card´s data are transmitted from the LGM Card in a contactless way and displayed on the computer’s screen.
The client “drags and drops” the card’s data onto the merchant’s checkout form using his mouse.

Phone payment

The client can buy and pay for music, games, videos, movies, tickets, maps, and other goods from his mobile phone at any time with the LGM Card.

Small payments are authorized offline.

Direct mobile phone payments with the LGM Card are quick, comfortable, and highly secure.

When making a payment, the client does not enter the card´s data anywhere and a merchant does not store any of the card´s data; therefore no one can misuse the data.
The purchase amount is deducted from the client’s payment card account tied to his LGM Card.

The goods are delivered to his phone, or anywhere else the client has chosen, immediately after payment.

When making a purchase from his mobile phone, the client does not send or receive any SMS messages.
The client selects the payment method directly from the application with one button.
The password for the LGM Card and the transaction´s amount confirmation are entered before the payment is completed.
The condition for this payment method is that the client must have an active data service – Internet connection on his phone.

These payments present huge potential for Banks. Our solution is Bank centric and it will bring addition income to the Banks.


For downloading:
LGM Card m-Store payments.pdf  [1.04 MB] application/pdf

Send and receive money

The client can send money from the LGM Card in his phone to another phone or to another account.
The receiver is informed about receiving the incoming money.
The information about the sent money is stored in the client´s phone.

Payment is fast and simple for the client:
  • The client starts the LGM Card Mobile application in his phone; 
  • He enters his password;
  • He selects “Send money” from the LGM Card´s application menu;
  • He selects the receiver’s name from their Contacts and enters the amount;
  • He confirms sending the money. 

Information for the receiver is delivered to the receiver’s mobile phone.

Security

Research has shown that a client may take several days to realize that his payment card is lost while he knows if his mobile phone is missing almost immediately.
The client can block his LGM Card at the bank.

The LGM Card is based on the same security standards as common payment cards. LGM Card enhances this security because of LGM Card’s unique two-chip architecture and LGM Card Systems functions.

The client does not hand his LGM Card to just anyone, which decreases the risk of data being copied and misused.

The client can protect the LGM Card´s applications in his phone by entering his password, which prevents unauthorized or accidental start of the application.

With most phones, the client can pair his LGM Card with his phone’s unique manufacturer’s number (IMEI number), his SIM card, or both. This prevents unauthorized use of his LGM Card by someone inserting it into another phone.

LGM Card protects payments over the Internet in a secure manner.
The payment card´s data are not entered unsecurely anywhere; therefore no one can copy the data.
The data are encrypted before being sent from the LGM Card.

Applications

A further advantage of the LGM Card is the number of applications that can be loaded onto it and then used from the phone. This includes mobile banking applications and various wallets.

Applications can be loaded onto the LGM Card during production or anytime after from the Internet. After the applications are downloaded onto the phone, purchases and payments directly from the phone, e.g. for mobile content from the NOKIA OVI Store, Samsung AppStore, Universal Music Store, Google Store etc. are enabled.

Mobile Banking
LGM Card can be integrated with a bank’s mobile banking application to let the bank’s client access LGM Card payments from his mobile banking application. LGM Card can also add strong security protection to the mobile banking application.

Mobile Wallets
LGM Card is a mobile wallet optimized for banks, where payment card details are stored in a secure element. A bank can tie one or more payment card accounts to LGM Card. For example, the Bank can put both the card associated with the client’s current account and a prepaid debit card into the bank’s secure element. The client can then choose which account he wants to use for a payment.
LGM Card can be integrated with mobile wallets, for example MasterCard’s PayPass Wallet. Integration means that when the client wants to pay the payment is made using LGM Card’s special capabilities.

If the client is a member of a loyalty program that gives him discounts, coupons and other benefits, LGM Card can also be integrated with the loyalty program application. The client can pay for tickets; parking, etc. make payments at vending machines, top-up lottery account, collect loyalty points, and use discount coupons ar their favorite shops.

e-Wallets
If the client has a prepaid account with a third-party (an e-Wallet), which he wants to use to fund certain purchases, he can easily top-up his e-Wallet with LGM Card.

LGM Card enables secure storage of content (e.g.tickets, coupons) after they have been purchased or downloaded. The client can even have meal tickets, travel tickets, concert tickets, etc. available on the LGM Card in his phone. The client then applies the stored content at contactless (NFC) readers placed e.g. at the airport, in a concert hall, on the train, or in the shop.

The LGM Card can also store sensitive data, e.g. an electronic signature.
The LGM Card can even be the carrier for identification applications – ID card, employee card, student card, health card, etc.

A unique feature of LGM Card is the possibility to make direct payments from the phone’s application in a convenient and very secure manner for both the client and the merchant.

Details - Applications

A mobile phone equipped with the LGM Card can be integrated with various applications. Some of the applications can be installed on the LGM Card during production or can be downloaded by a client from the Internet.

Mobile banking
LGM Card can be integrated with a bank’s mobile banking application to let the bank’s client access LGM Card payments from his mobile banking application. LGM Card can also add strong security protection to the mobile banking application.

LGM Card solution and its PKI infrastructure can provide secure services that will raise current mobile banking security:
  • LGM Card OTP generator can be integrated into the mobile banking application of the Issuer;
  • LGM Card can be a secure place for storing clients’ certificates.

Bank’s Mobile wallet
LGM Card is a mobile wallet optimized for banks - Banks need a solution where payment card details are stored in a secure element.
A bank can tie one or more payment card accounts to LGM Card. For example, the Bank can put both the card associated with the client’s current account and a prepaid debit card into the bank’s secure element (Card chip). The client can then choose which account he wants to use for a payment.

3rd Parties Mobile wallets
LGM Card can be integrated with other mobile wallets, for example MasterCard’s PayPass Wallet. Integration means that when the client wants to pay the payment is made using LGM Card’s special capabilities.

3rd Parties e-wallets
If the client has a prepaid account with a third-party (an e-Wallet), which he wants to use to fund certain purchases (for example a Starbuck’s store card), he can easily top-up his e-Wallet with LGM Card.

3rd Parties applications
LGM Card Mobile Payment Solution can be extended to support agreed 3rd party services. If the client is a member of a loyalty program that gives him discounts, coupons and other benefits, LGM Card can also be integrated with the loyalty program application. LGM Card can integrate with any application like this, including transit, ticketing, ticket restaurant and so on.

Mobile content
Applications for mobile purchasing are suitable mainly for mobile content and services - music, maps, games, etc. provided at mobile stores (m-Stores) like Nokia OVI store, Android Market, or Samsung app store.

M-Store merchant and their service providers, or acquiring banks sign a contract. Based on the contract, the m-Store will receive configuration parameters and an m-Store application will be equipped with the LGM m-Store API, in which these parameters will be handed over to the LGM MicroSD of the paying client. That will enable trusted interconnection between the m-Store and the LGM Card.

When the client makes a purchase from their phone, they can make payments easily without entering any card’s data. For details of the payment see Phone payments.

Ticketing
Various ticketing applications can be installed on the LGM Card. These will enable clients to buy transport tickets, concert tickets, cinema tickets, dinner tickets, or lottery tickets.

The client can pay for ticket similarly as they pay for mobile content. Merchants selling tickets can deliver tickets to the phone, which will store them in the LGM Card memory (e.g. as a bar code). The client can show proof of purchase of their ticket stored in their phone either personally or at an NFC reader.

Loyalty cards
Issuing banks can provide their clients LGM Card with their partner’s applications for collecting loyalty points, applying loyalty points and various merchant discounts, and loyalty points combinations after agreement is made with their partners.

LGM Card payments made at the POS terminal will automatically increment loyalty points that have been securely stored on the LGM Card in the client ´s phone.

Personal identification
LGM Card is a memory card with extended architecture. Inside LGM Card there is a secure memory, in which sensitive, personal data can be loaded into, locked, and stored with secure keys. Access to this data will then be enabled under special conditions and to selected bodies – e.g. health centers, employers etc.

LGM Card applications:
  • increases the attractiveness of the payment card for the client;
  • increases the number and volume of transactions made with the card; and
  • Brings partners and m-merchants closer to potential customers; and
  • Mobile content stores benefit from the independence from mobile operator billing service.

Over the Air (OTA) services enable banks and application merchants to have effective online application management during the application life cycle.

About LGM Card

LGM Card is a payment card, which enables contactless payments
over the phone
. It can also be used the same way as a memory card is used
for storing files. A bank will issue LGM Card; just as they do with common payment cards.

Paying by phone is secure because it is based on the same security standards that are used with common plastic cards. Entering a PIN code is part of the payment.

LGM Card enables the bank to offer more services to clients in comparison with standard card products. The bank continues to manage relationships with customers, uses its existing infrastructure for processing transactions, and offers a service independent of mobile operators.

The bank can issue LGM Card with its pre-loaded mobile banking application, promotions, and third party applications.

Use of the mobile phone as an independent authentication channel for direct banking is safe and easy. Instead of manually entering an eight-digit code received by SMS, the consumer just taps their phone on the NFC interface on their computer. Electronic signatures and other data can also be stored on the LGM Card in compliance with the current legislation.

Fast, comfortable and very secure payments are the main benefits for clients.

New transactions coming from a bank-centric micro payments that are add-on payments to standard POS and Internet payments; is the main benefit for Issuing Banks.

Raised security and independence on mobile operator's billing are the main benefits for Internet and Application merchants.