Smartphone wallet and offline payments: how the payment system works in the Huawei ecosystem

Hello, Habr! In the Huawei Mobile Services ecosystem, user cards are stored and payments are handled by an application Huawei wallet… It turns a smartphone into a wallet: it stores not only cards, but also tickets, insurance policies and access keys. Under the cut, I will tell you how you can use its capabilities in your applications and services, what partner programs we have, and how the Huawei Pay payment system works.

The wallet as a channel of interaction with users

Huawei Wallet is an application from the Huawei ecosystem for storing bank and discount cards, tickets, travel passes and other similar items. You can send the user a discount card or pass using a link, in an SMS or in a letter on an e-mail. Also, Huawei Wallet can determine which partner applications are installed and add cards from them.

The company that issued the card can manage its characteristics (for example, extend the expiration date or increase the denomination) and send informational messages to users. Thus, you can:

  • inform customers about promotions and offers;

  • inform ticket holders about flight delays or cancellations;
  • use an item in Huawei Wallet as an event ticket;
  • transfer the NFC key from the access control system to Huawei Wallet (but this function has not yet become widespread in Russia).

Integration of their products into Huawei Wallet

End-to-end integration is available for Huawei partners. For example, banks can send credit and debit cards to Huawei Wallet when they open, and stores can add a loyalty card when they download an app to their HUAWEI phone.

Since there are many nuances and technical details in the integration with the Huawei payment system, an application for it requires prior consultation with the brand’s technical support. If you already have an application in AppGallery, then after consultation you can apply For more information, see the My Projects section of AppGallery Connect. Select the desired project and in its settings go to Earning> Wallet Kit in the navigation menu on the right and apply for the Wallet Kit service.

Enter parameters: item, type, name, service ID, callback url, public key.

You will then need to configure the NFC settings, including the Application ID (AID), Callback URL, Sync Settings, External Authentication Key, and File Setting Definition.

Further process integration will depend on which service you integrate into Wallet. Loyalty cards, gift cards, coupons, event tickets, boarding passes, transport tickets, car keys, smart locks and universal all-in-one cards are now supported. In either case, you will need to apply for security features in order to obtain keys and certificates for data encryption.

After the application for the Wallet Kit service is approved, the integration and application check… Application verification is fully automated. You will need to enter your app information and download the APK. The system will then scan it and provide you with a report.

Sample Huawei Wallet Kit API client code can be viewed at link… And for this link you can download the latest SDK.

Payments with Huawei Wallet

In Huawei Wallet, purchases and online payments go through Huawei Pay. For users, it increases the security of transactions: the service does not use a bank card number, but instead transmits the device card number or token. This number is assigned to each added bank card and differs on different devices. Due to this, bank card numbers are not transferred to the merchant and are stored only on devices, and not on Huawei Pay servers. In addition, Huawei Pay does not store transaction information that can be associated with the payer.

To make a payment, the user does not need to unlock the device, and contactless payment is possible even without an Internet connection. Huawei Pay uses SE hardware encryption technology and requires verification of every transaction regardless of the amount. Any bank that issues UnionPay cards can work with Huawei Pay. In Russia, Gazprombank, Rosselkhozbank and Vostochny Bank are already working with it. Next year we will finalize the SDK and add payment via Huawei Pay to our web services.

Another useful feature of Huawei Pay is the ability to accept payments using QR codes. This functionality turns a smartphone into a POS terminal: it allows you to receive payment for purchases using a QR code. To start accepting payment, a legal entity must register in the application.

The future of Huawei Pay in Russia

One of the options for cooperation between Russian banks and Huawei is partnership programs that we provide on the basis of a UnionPay payment card. For example, there is bonus program for holders of UnionPay cards of Gazprombank and Rosselkhozbank.

By the end of the year, full functionality for payment in applications and web services using Huawei Pay will be available. Also, next year we have plans to launch a project of a virtual bank card store. The user will receive customized offers from banks for debit and credit cards that can be used with Huawei Pay. It will be possible to choose the best offer and send an application for the card online. Some of the information for the application will be pulled from the user’s Huawei ID, the rest of the profile data will need to be supplemented.

We also want to give Russian users the opportunity to use a pre-installed virtual card on a smartphone. This will be the base card of the payment system, and it will also be possible to apply for it online through Huawei Wallet.

That’s all for now. If you have any questions about payments and work with the card in our ecosystem – ask them in the comments.

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