Bell Identification B.V., or Bell ID, was a Dutch software company that developed smart token management software, [1] [2] including key management, smart card management, [2] EMV data preparation, [3] and host card emulation-based mobile payments software. [4] Bell ID was acquired by Rambus in 2016 [5] and in 2019, Visa Inc. acquired Bell ID from Rambus. [6]
Bell ID was formerly known as AND Identification B.V., and changed its name in 2000. [3] The company was founded in 1993 [3] to provide ID solutions for governments and enterprises in the Benelux region. [7] In 2004, Bell ID became a privately held company, [8] and established itself in the EMV smart card and mobile payments market. [3] In 2012 Bell ID acquired Ecebs. [1]
In April 2014, Bell ID was awarded by Mondato with the European MFS Innovation of the Year Award [9] and by Contactless Intelligence with a Contactless & Mobile Award in the ecosystem category [10] for Secure Element in the Cloud. In June 2014, the same product received the NFCP award for the next big thing in proximity. [11]
A smart card, chip card, or integrated circuit card is a physical electronic authentication device, used to control access to a resource. It is typically a plastic credit card-sized card with an embedded integrated circuit (IC) chip. Many smart cards include a pattern of metal contacts to electrically connect to the internal chip. Others are contactless, and some are both. Smart cards can provide personal identification, authentication, data storage, and application processing. Applications include identification, financial, mobile phones (SIM), public transit, computer security, schools, and healthcare. Smart cards may provide strong security authentication for single sign-on (SSO) within organizations. Numerous nations have deployed smart cards throughout their populations.
Near-field communication (NFC) is a set of communication protocols that enables communication between two electronic devices over a distance of 4 cm or less. NFC offers a low-speed connection through a simple setup that can be used to bootstrap more capable wireless connections. Like other "proximity card" technologies, NFC is based on inductive coupling between two so-called antennas present on NFC-enabled devices—for example a smartphone and a printer—communicating in one or both directions, using a frequency of 13.56 MHz in the globally available unlicensed radio frequency ISM band using the ISO/IEC 18000-3 air interface standard at data rates ranging from 106 to 424 kbit/s.
EMV is a payment method based on a technical standard for smart payment cards and for payment terminals and automated teller machines which can accept them. EMV stands for "Europay, Mastercard, and Visa", the three companies that created the standard.
MIFARE is the NXP Semiconductors-owned trademark of a series of integrated circuit (IC) chips used in contactless smart cards and proximity cards.
Java Card OpenPlatform (JCOP) is a smart card operating system for the Java Card platform developed by IBM Zürich Research Laboratory. On 31 January 2006 the development and support responsibilities transferred to the IBM Smart Card Technology team in Böblingen, Germany. Since July 2007 support and development activities for the JCOP operating system on NXP / Philips silicon are serviced by NXP Semiconductors.
Verifone is an American multinational corporation headquartered in Coral Springs, Florida. Verifone provides technology for electronic payment transactions and value-added services at the point-of-sale. Verifone sells merchant-operated, consumer-facing and self-service payment systems to the financial, retail, hospitality, petroleum, government and healthcare industries. The company's products consist of POS electronic payment devices that run its own operating systems, security and encryption software, and certified payment software, and that are designed for both consumer-facing and unattended environments.
A contactless smart card is a contactless credential whose dimensions are credit-card size. Its embedded integrated circuits can store data and communicate with a terminal via NFC. Commonplace uses include transit tickets, bank cards and passports.
Gemalto was an international digital security company providing software applications, secure personal devices such as smart cards and tokens, and managed services. It was formed in June 2006 by the merger of two companies, Axalto and Gemplus International. Gemalto N.V.'s revenue in 2018 was €2.969 billion.
Moneris is a Canadian financial technology company that specializes in payment processing.
Contactless payment systems are credit cards and debit cards, key fobs, smart cards, or other devices, including smartphones and other mobile devices, that use radio-frequency identification (RFID) or near-field communication for making secure payments. The embedded integrated circuit chip and antenna enable consumers to wave their card, fob, or handheld device over a reader at the point of sale terminal. Contactless payments are made in close physical proximity, unlike other types of mobile payments which use broad-area cellular or WiFi networks and do not involve close physical proximity.
A payment terminal, also known as a point of sale (POS) terminal, credit card terminal, PIN pad, EFTPOS terminal, is a device which interfaces with payment cards to make electronic funds transfers. The terminal typically consists of a secure keypad for entering PIN, a screen, a means of capturing information from payments cards and a network connection to access the payment network for authorization.
Leadway Technology Investment Group Limited formerly known as Advanced Card Systems Holdings Limited is a Cayman Islands-incorporated offshore holding company. Its subsidiary, Advanced Card Systems Limited, was incorporated in British Hong Kong in 1995 by Denny Wong. In 2017, HNA Group, via HNA EcoTech Group and HNA EcoTech Group's subsidiary, acquired Advanced Card Systems Holdings as part of a reverse IPO.
Worldpay, Inc. was an American payment processing company and technology provider. In June 2019 it was acquired and merged into Fidelity National Information Services (FIS). Before its acquisition, it was headquartered in the greater Cincinnati, Ohio area. Worldpay, was the largest U.S. merchant acquirer ranked by general-purpose transaction volume.
Zettle by PayPal is a Swedish financial technology company founded by Jacob de Geer and Magnus Nilsson in April 2010. Launching its first app and service in 2011, the company offers a range of financial products including payments, point of sales, funding and partners applications. The company was acquired by PayPal in 2021.
Host card emulation (HCE) is the software architecture that provides exact virtual representation of various electronic identity cards using only software. Prior to the HCE architecture, near field communication (NFC) transactions were mainly carried out using hardware-based secure elements.
Carta Worldwide is a Canadian financial technology company that offers digital payments technology and modern card issuer processing for banks and financial technology "fintech" companies. In addition to their Canadian headquarters in Toronto, Carta has offices in London, Casablanca, and Charlottetown, PEI. Carta operates internationally, providing financial technology and digital payment software and cloud API issuer processing.
Apple Pay is a mobile payment service by Apple Inc. that allows users to make payments in person, in iOS apps, and on the web. It is supported on iPhone, Apple Watch, iPad, and Mac. It digitizes and can replace a credit or debit card chip and PIN transaction at a contactless-capable point-of-sale terminal. It does not require Apple Pay-specific contactless payment terminals; it can work with any merchant that accepts contactless payments. It adds two-factor authentication via Touch ID, Face ID, PIN, or passcode. Devices wirelessly communicate with point of sale systems using near field communication (NFC), with an embedded secure element (eSE) to securely store payment data and perform cryptographic functions, and Apple's Touch ID and Face ID for biometric authentication.
SumUp is a global financial technology company headquartered in London, United Kingdom. SumUp supports more than 3.5 million merchants in over 30 markets worldwide, and operates a product suite of tailor-made business tools created specifically for the micro and nano segment.
Google Pay is a mobile payment service developed by Google to power in-app, online, and in-person contactless purchases on mobile devices, enabling users to make payments with Android phones, tablets, or watches. Users can authenticate via a PIN, passcode, or biometrics such as 3D face scanning or fingerprint recognition.
On Track Innovations Ltd. (OTI) founded in 1990, is a global company that develops contactless payment solutions. OTI uses NFC technologies among other things.