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Secure Wearable Payment Systems

STMicroelectronics Joins Fidesmo on the STPay-Boost IC Wearable

— November 8, 2018 — Business
STMicroelectronics is a semiconductor company that creates efficient solutions in the field of electronics and it recently works together with payment service developer Fidesmo on the STPay-Boost IC device. The duo infuses a hardware security component to the wearable in order to actively protect contactless transactions -- this is combined with NFC-boost technology that retains reliability through devices that have been constructed with metallic materials. The footprint functions through a single chip and it can be simply incorporated into any compatible wearable.

Fidesmo uses the MasterCard MDES tokenization system to allow consumers to organize any personal information necessary for transaction processes. Fidesmo's CEO Mattias Eld expresses that their collaboration "opens up a new market for us with support for lightweight boosted secure elements, and broadens choices for our customers." Security is proven with the leveraged STPay software and STMicroelectronics' Java-based operating system.
Trend Themes
1. Wearable Payment Systems - Disruptive innovation opportunity: Develop advanced wearables with enhanced security for contactless transactions using hardware security components and NFC-boost technology.
2. Hardware Security Components - Disruptive innovation opportunity: Create secure elements that can be easily incorporated into any compatible wearable, providing active protection for payment transactions.
3. Tokenization System - Disruptive innovation opportunity: Explore lightweight boosted secure elements that support tokenization systems, expanding choices for customers in organizing personal transaction information.
Industry Implications
1. Semiconductor - Disruptive innovation opportunity: Collaborate with payment service developers to infuse hardware security components into wearables, ensuring secure contactless transactions.
2. Payment Services - Disruptive innovation opportunity: Partner with semiconductor companies to integrate advanced security features into wearables, enhancing the reliability and protection of payment transactions.
3. Wearable Technology - Disruptive innovation opportunity: Incorporate NFC-boost technology and hardware security components into wearable devices, enabling convenient and secure contactless transactions.
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