The concept of using Mobile Phones to make Mobile Contactless Payments (MCP) in a secure and convenient manner is considered to be the next logical step in the development of mobile applications and payment services.
MCP, as described in this document, refers to a payment application residing in the Universal Integrated Circuit Card (UICC) (also known as the "SIM Card") within the mobile phone that employs Near Field Communication (NFC) technology.
This document has been jointly developed by and GSMA for the European ( ) market and focuses on the different roles and processes involved in provisioning and lifecycle management of the MCP Application on the UICC.
This document describes the main processes between Issuers and MNOs necessary to load and manage the MCP Application(s) on the UICC (note that the payment transaction itself is out of scope of this document). These processes are defined in terms of Service Management Roles (SMRs).
The main purpose of this document is to serve as a reference basis for actual implementations of MCPs and the different actors involved. The reader is also advised to consult the respective websites of and GSMA for further detailed documentation.