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The coolest, easiest way to pay at millions of retailers using your Pebble smartwatch. Leave the phone behind. Just tap and go!
The coolest, easiest way to pay at millions of retailers using your Pebble smartwatch. Leave the phone behind. Just tap and go!
2,777 backers pledged $208,164 to help bring this project to life.

What is personalization?

Posted by Fit Pay Inc. (Creator)
10 likes

We are hard at work on the September milestones and will have progress to report soon. For this update, we wanted to provide some details about how your Pagaré is personalized with your credit card information and how that information is kept safe.

We’ve described previously how Pagaré uses tokenization to keep your credit card information secure by changing your primary account number (or PAN) into a surrogate piece of data called a token. As we detailed in last month’s update, the first step of the tokenization process is creating and loading a Security Domain on the Secure Element within Pagaré where the token is safely stored. The next step is loading the tokenized credit card. This process is called Personalization.

Pagaré must be personalized with a token of your PAN before you can use it to purchase goods and services at retail locations, and each credit card you want to use must go through this process separately.

Here’s how it works:

Step 1: Enter your credit card information 

Using the Pagaré application you will be able to digitize your card by simply taking a picture with your phone’s camera. Easy peasy.

Step 2: Check and Verify Eligibility

The tokenization request is sent to the appropriate card network to check card and device eligibility. This means that your bank is part of the card network tokenization program and has approved Pagaré as a participating device. 

Step 3: Terms & Conditions Request

If the card and device are eligible then the issuing bank sends back Terms and Conditions (T&C) for you to accept in order to tokenize your card.

Step 4: Tokenization Request

When the T&Cs are accepted then a token is requested from the card network, which is then passed to the card issuing bank.

At this point the issuing bank will either approve, decline or require additional consumer authentication for the tokenization request. Banks may require additional Identification and Verification (ID&V), also called a step-up authentication, by having the consumer call the bank or enter a code that is sent to them through email or text using the consumer contact information at the bank.

Step 5: Provisioning Request

A provision request is made to the platform indicating that the token should be provisioned to Pagaré.  

Step 6: Tokenization

The platform creates a script containing APDU (application protocol data unit) commands needed to provision the token.

Step 7: Provisioning

Provisioning is completed OTA (over the air) by sending the APDU command script to Pagaré. These commands instruct the device to securely load the token in the appropriate Security Domain on the Secure Element embedded in the Pagaré smartstrap. 

Step 8: Token Activation

When the token is successfully loaded then an acknowledgement, or provision receipt, is sent back and the token is mapped by the Token Service Provider (TSP) and activated by the issuing bank. A notification that the token is active and you can start using your Pagaré for that card is sent back to you.

For the case where the bank requires additional authentication (ID&V), the token mapping and activation are not completed until consumer verification is confirmed.

With Pagaré, this process happens instantly and seamlessly behind the scenes. The result is that you are able to securely use your Pagaré at retail locations without exposing your credit card data. That keeps your personal information safe, while you enjoy the convenience of paying with a simple wave of your wrist.  

Watch for more updates soon. 

Cheers,

The FitPay Team

Comments

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    1. Fit Pay Inc. Creator on

      @Eric - Yes, absolutely! We apologize for the delay, and we'll have another update by the end of next week. Hang in there - our team is working hard to make great progress!

    2. Eric Hansen on

      Hey guys, it's been well over a month since your last update. Can you please keep us in the loop on timeline and other developments ASAP? Thanks.

    3. Eric Bautista on

      I'm getting an Apple Watch and so the long wait has become moot and academic. Glad it was only for $49. �

    4. Missing avatar

      Pete B on

      @MaFt Morley et al - I don't understand all the concern about particular banks not supporting Pagaré directly - if that's the case, I'm sure you can get a credit card from some other local bank/agency that does support pagaré and use that for your contactless payment, and clear that debt every month by direct debit from your 'own' bank. I already do that for two cards and it's painless...

    5. Alex Skog on

      While I understand the delays in deploying such a product, releasing a product that is already antiquated doesn't make great business sense to me.

      As this doesn't work with Pebbles new line of watches, who exactly are you hoping to sell this to? Given the long delays, you should have updated the form factor to fit the Pebble Time 2. Without this I am getting a worthless product and your market will be limited to a very limited few.

      Are you trying to build a business that is sustainable or just a one off product release that will essentially only be sold to kickstarter backers who backed the project long enough ago that the tech environment has vastly changed but your product hasn't?

    6. Missing avatar

      Don't Trust Kickstarter on

      I can only imagine the challenges your team is facing. Although I am disappointed with the delays, I appreciate the constant updates. Hang in there.

    7. MaFt Morley on

      Re the "Personalisation" update email. So, basically my bank can say it doesn't want to work with Pagaré and the whole thing will have been a waste of money? Why wasn't this mentioned as one of the risks in the campaign? I also can't help feeling that the campaign implied you were much further ahead in your development than you actually are.

      I understand that Kickstarter comes with risks, but these risks should actually be explained. NatWest, my bank, doesn't do Android Pay. I doubt they'll see the need to add Pagaré... :(

    8. Dean Hope on

      Cool story Bill.

    9. Bill Jordan on

      Please my pagare Kickstarter. It has been way way way too long. And besides, I am going to get an Apple Watch 2 which has Apple Pay built in.