[Huawei Developers] Sherlock F:
Konstantin Stepanenko, Chief Product Officer at the Russian company CardsMobile, shared with developers the success story of CardsMobile's leading wallet app Koshelek which cooperates with Huawei's HMS ecosystem. By integrating the open capabilities of Huawei's HMS Core, Koshelek's e-payment efficiency is greatly improved and payment security is ensured.

[IMG="https://communityfile-dre.op.hicloud.com/FileServer/getFile/cmtybbs/005/796/051/2640852000005796051.20201009065547.71450197349448102361597406874136:50511026081749:2800:37B0F24C91BA89C1BAEC426327F570E1AE6AE374A17F4199A6A568842DA515D6.png"]https://communityfile-dre.op.hicloud.com/FileServer/getFile/cmtybbs/005/796/051/2640852000005796051.20201009065547.71450197349448102361597406874136:50511026081749:2800:37B0F24C91BA89C1BAEC426327F570E1AE6AE374A17F4199A6A568842DA515D6.png[/IMG]

Digitalization of Cards with Koshelek

Back in 2013, CardsMobile launched its first Near Field Communication (NFC) payment project. Today, Koshelek has established partnerships with most top retailers in Russia and can now digitalize physical cards that have already been issued and directly issue new virtual mobile cards within the app. For newly issued in-app cards, Koshelek can also aggregate various account details provided by partners, such as the reward balance and personal discounts.

In order to support bank cards in Koshelek, CardsMobile teamed up with Mastercard and Visa's international payment systems, and received an international license to manage tokenization and transactions for cards of any banks connected via Mastercard MDES and Visa VTS. Konstantin, Chief Product Officer at CardsMobile and the developer of Koshelek, attributed the seamless and smooth payment services on new Huawei smartphones to HMS.

[IMG="https://communityfile-dre.op.hicloud.com/FileServer/getFile/cmtybbs/005/796/051/2640852000005796051.20201009065626.01123006964399163688615854779871:50511026081749:2800:096ADDF54E3D01A8EEADE597D905DF3D50E9A9F228E10D34C435A7EEC9ACA79E.png"]https://communityfile-dre.op.hicloud.com/FileServer/getFile/cmtybbs/005/796/051/2640852000005796051.20201009065626.01123006964399163688615854779871:50511026081749:2800:096ADDF54E3D01A8EEADE597D905DF3D50E9A9F228E10D34C435A7EEC9ACA79E.png[/IMG]

The premium payment experience brought by the cooperation with Huawei HMS has instilled confidence in CardsMobile's further development. As part of its plan to deepen the integration with HMS Core, Konstantin said that CardsMobile has aimed to create a unified payment experience on Huawei smartphones using HUAWEI IDs. Meanwhile, CardsMobile has devoted itself to explore different ways to implement its payment platform on Huawei smartphones and Huawei's other smart devices.

HUAWEI Safety Detect Service Protects User Data

Koshelek allows users to digitalize and store their wallets and personal cards in the app, which involves security issues of sensitive user data in the industry.

Koshelek creates a separate user profile for each user to store user information. In this way, users won't need to enter their information twice, which improves the card issuance efficiency. Koshelek also generates a dynamic bar code based on the algorithm provided by a partner retailer, which many retailers use to authenticate loyalty members.

[IMG="https://communityfile-dre.op.hicloud.com/FileServer/getFile/cmtybbs/005/796/051/2640852000005796051.20201009065709.92773323544343451423148123374879:50511026081749:2800:B91DF34902EAB19180D03C9A0104D123EAEEE2F7A05B68ABAA8DA972068572F3.png"]https://communityfile-dre.op.hicloud.com/FileServer/getFile/cmtybbs/005/796/051/2640852000005796051.20201009065709.92773323544343451423148123374879:50511026081749:2800:B91DF34902EAB19180D03C9A0104D123EAEEE2F7A05B68ABAA8DA972068572F3.png[/IMG]

To prevent security risks caused by attacks on user information and credentials, CardsMobile makes HUAWEI Safety Detect an important element of mobile app operations, which is an effective way of detecting interference.

For example, when a user uses an electronic credit card account such as Visa or MasterCard in Koshelek, the user will need to enter a card verification code (CVC) to check the system environment safety of the device. If Koshelek's safety detection system which integrates HUAWEI Safety Detect indicates that the device system environment fails the SysIntegrity detection, Koshelek will not allow the user to use the app on that device so as to ensure transaction security.

In addition to the SysIntegrity detection, HUAWEI Safety Detect also provides fake user detection (UserDetect), app security check (AppsCheck), malicious URL check (URLCheck), and malicious Wi-Fi detection (WifiDetect) functions to quickly determine whether the device system has been maliciously attacked, rooted, or unlocked. In this way, users can be informed of risks or have their behavior restricted so as to protect user privacy and fund security.

Nikolay finished by thanking Huawei for providing high-quality functions and services via the HMS ecosystem. "We thank Huawei for providing new opportunities for developers. It was the introduction of the Safety Detect service that enabled our company to develop a technical solution able to satisfy all the international payment systems' requirements and to provide resources for all Russian users of new Huawei devices to tokenize bank cards and conduct contactless NFC payments."

Future: dedicated to providing globally unparalleled payment services

CardsMobile aims to provide users with globally unparalleled payment services through in-depth cooperation with HMS, and to lead the industry and market in terms of security, service quality, and convenience.