High value mobile applications, such as banking and ticketing, rely on an application residing in a mobile wallet and its counterpart application – which stores sensitive information – residing in the SE. To successfully and efficiently deliver services to end-users the wallet requires immediate connection to the SE. This link, therefore, needs to be restricted to authorized and approved parties.
“Failure to restrict access to the SE communication channel could result in a fake wallet application popping up during a SE-based transaction that could send the wrong, or too many, commands to the SE,” explains Christophe Colas, GlobalPlatform Device Committee Chair and Marketing Director at Trusted Logic Mobility (an affiliate of Gemalto). “This would result in ‘denial of service’ attacks or personal identification number (PIN) blocking, and a secure application being unable to perform as required.”
The document released by GlobalPlatform, which will be of particular interest to SE and handset manufacturers as well as SE issuers, specifies how the access policy is stored in the SE and how it can be accessed and used by the device. The policy will be enforced within the device operating system.
Christophe continues: “GlobalPlatform responds to market requirements and recognizes the need to offer a standard in particular to support current NFC deployments. GlobalPlatform Specifications already detail how several parties can independently and securely manage their activity on a SE. This recent enhancement ensures that once applications are deployed they will not be compromised by malicious attacks which aim to disrupt service delivery. Furthermore, additional activities are ongoing in GlobalPlatform to complement the end-to-end security of the SE and mobile wallet thanks to its work to standardize the Trusted Execution Environment.”
GlobalPlatform is also advancing its SE compliance program, which was endorsed by EMVCo – the EMV® standards body collectively owned by American Express, JCB, MasterCard and Visa – earlier this year.