Towards token-requestor for epayment based on cloud of secure elements and HCE mobiles

The EMVco consortium recently released a tokenization technical framework addressing POS and on-line transactions. This paper introduces a new architecture for Token-Generators based on Cloud of Secure Elements (CoSE), and user/administrator relationships with Token-Providers. Mobiles equipped with HCE interfaces remotely access Token- Generator applications hosted in the CoSE.