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width: 390px;"> <ul class="detail-list"> <li class="sectionheader"><span>Data Protection on Demand</span></li> <li class="overview"><a href="/encryption/data-protection-on-demand">Data Protection on Demand</a></li> <li><a href="/encryption/data-protection-on-demand/services">Services</a></li> <li><a href="/encryption/data-protection-on-demand/how-it-works">How it Works</a></li> <li><a href="/encryption/data-protection-on-demand/cloud-managed-service-partners">Partners</a></li> <li><a href="/encryption/data-protection-on-demand/pricing">Pricing</a></li> <li><a href="/encryption/data-protection-on-demand/marketplace">Sign Up Now</a></li> </ul> </div> </li> <li><a href="/encryption/data-in-motion">Network Encryption</a></li> <li><a href="https://www.imperva.com/products/data-security-fabric/?utm_source=thalescpl&utm_medium=menu&utm_campaign=thales-imperva-together" target="_blank">Risk Analytics & Monitoring</a></li> <li><a href="/encryption/data-at-rest/sure-drop">Secure File Sharing</a></li> <li><a href="/encryption/devsecops-security-solutions">DevSecOps</a></li> </ul> <div class="right-part"> <div class="image-wrap"><img loading="lazy" alt="Risk Management Strategies for Digital Processes with HSMs" height="150" src="/sites/default/files/content/top_nav/cta-hsm-anchor-trust-in-digital-world-white-paper.webp" width="265" /></div> <div class="h4">Risk Management Strategies for Digital Processes with HSMs</div> <p>Security architects are implementing comprehensive information risk management strategies that include integrated Hardware Security Modules (HSMs). Reduce risk and create a competitive advantage.</p> <a class="link" href="/resources/encryption/hsm-anchor-trust-in-digital-world-white-paper">Get the White Paper</a></div> </div> </div> </li> <li><a href="https://www.imperva.com/products/application-security/?utm_source=thalescpl&utm_medium=menu&utm_campaign=thales-imperva-together" target="_blank">Application Security</a> <div class="sub-menu-inner" style="left: 565px;"> <div class="col-seven" style="width: 695px;"> <ul class="left-part"> <div class="h4">Secure what matters most with Thales and Imperva</div> <p>Applications help to drive digital transformation but traditional security approaches can’t keep pace with dynamic environments. See how we can help you protection applications and APIs anywhere.</p> <a class="link" href="https://www.imperva.com/products/application-security/?utm_source=thalescpl&utm_medium=menu&utm_campaign=thales-imperva-together" target="_blank">Explore Application Security</a> </ul> <div class="right-part"> <div class="image-wrap"><img loading="lazy" alt="Thales and Imperva Have Joined Forces" height="150" src="/sites/default/files/content/top_nav/Thales-Imperva-combo-cta.webp" width="265" /></div> <div class="h4">Thales and Imperva Join Forces</div> <p>Together, we are creating the worldwide leader in cybersecurity, protecting more applications, data and identities than any other company and enabling tens of thousands of organizations to deliver trusted digital services to billions of consumers around the world every day.</p> <a class="link" href="/about-us/thales-imperva">Learn More</a></div> </div> </div> </li> <li class="has-menu inner-link"><a href="/access-management"><span>Identity & Access Management</span> </a> <div class="sub-menu-inner" style="left: 565px;"> <div class="col-seven" style="width: 695px;"> <ul class="left-part"> <li class="sectionheader"><span>Identity & Access Management</span></li> <li class="has-menu detail-link"><a href="javascript:void(0)"><span>Identity Types</span> </a> <div class="detail-menu" style="left: 305px; width: 390px;"> <ul class="detail-list"> <li class="sectionheader"><span>Identity Types</span></li> <li class="overview"><a href="javascript:void(0)">Identity Types</a></li> <li><a href="/access-management/customer-identity">Customer Identity</a></li> <li><a href="/access-management/workforce-identity"><span>Workforce Identity</span></a></li> <li><a href="/access-management/b2b-identity">B2B Identity</a></li> <li><a href="/access-management/gig-worker-identity">Gig Worker Identity</a></li> </ul> </div> </li> <li class="has-menu detail-link"><a href="javascript:void(0)"><span>Capabilities</span> </a> <div class="detail-menu" style="left: 305px; width: 390px;"> <ul class="detail-list"> <li class="sectionheader"><span>Capabilities</span></li> <li class="overview"><a href="javascript:void(0)">Capabilities</a></li> <li><a href="/access-management/adaptive-access-control">Adaptive Access Control</a></li> <li><a href="/access-management/byoi-social-login">BYOI & Social Login</a></li> <li><a href="/access-management/consent-preference-management">Consent & Preference Management</a></li> <li><a href="/access-management/delegated-user-management">Delegated User Management</a></li> <li><a href="/access-management/externalized-authorization">Externalized Authorization</a></li> <li><a href="/access-management/fraud-risk-management">Fraud & Risk Management</a></li> <li><a href="/access-management/identity-verification">Identity Verification</a></li> <li><a href="/access-management/multi-factor-authentication">Multi-Factor Authentication</a></li> <li><a href="/access-management/risk-based-authentication">Risk-based Authentication</a></li> <li><a href="/access-management/single-sign-on">Single Sign-On (SSO)</a></li> <li><a href="/access-management/strong-customer-authentication">Strong Customer Authentication</a></li> <li><a href="/access-management/user-journey-orchestration">User Journey Orchestration</a></li> </ul> </div> </li> <li class="has-menu detail-link"><a href="javascript:void(0)"><span>Product Types</span></a> <div class="detail-menu" style="left: 305px; width: 390px;"> <ul class="detail-list"> <li class="sectionheader"><span>Product Types</span></li> <li class="overview"><a href="javascript:void(0)">Product Types</a></li> <li><a href="/access-management/digital-banking">Digital Banking</a></li> <li><a href="/access-management/eherkenning">eHerkenning</a></li> <li><a href="/access-management/authenticators/fido-devices">FIDO Passkeys and Devices</a></li> <li><a href="/access-management/on-prem-authentication-management">On-Prem Management Platforms</a></li> <li><a href="/access-management/onewelcome-identity-platform">OneWelcome</a></li> <li><a href="/access-management/authenticators/one-time-password-otp">OTP Authenticators</a></li> <li><a href="/access-management/authenticators/mobilepass-otp-download">MobilePASS+</a></li> <li><a href="/access-management/authenticators/passwordless-authentication">Passwordless Authentication</a></li> <li><a href="/access-management/authenticators/pki-usb-authentication">PKI USB Tokens</a></li> <li><a href="/access-management/safenet-trusted-access">SafeNet Trusted Access</a></li> <li><a href="/access-management/authenticators/pki-smart-cards">Smart Cards</a></li> <li><a href="/access-management/smart-card-readers">Smart Card Readers</a></li> <li><a href="/access-management/authenticators/tokenless-authentication">Tokenless Authentication</a></li> </ul> </div> </li> <li><a href="/access-management/demo-request">Request a Demo</a></li> <li><a href="/access-management/idaas-cloud-sso-free-trial"><span>Free Trial: SafeNet Trusted Access</span></a></li> </ul> <div class="right-part"> <div class="image-wrap"><img loading="lazy" alt="Access Management Handbook" height="150" src="/sites/default/files/content/top_nav/cta-access-management-handbook.webp" width="265" /></div> <div class="h4">Access Management Handbook</div> <p>Get everything you need to know about Access Management, including the difference between authentication and access management, how to leverage cloud single sign on.</p> <a class="link" href="/resources/access-management/access-management-handbook">Get the eBook</a></div> </div> </div> </li> <li class="has-menu inner-link"><a href="/software-monetization"><span>Software Monetization</span></a> <div class="sub-menu-inner" style="left: 565px;"> <div class="col-seven" style="width: 695px;"> <ul class="left-part"> <li class="sectionheader"><span>Software Monetization</span></li> <li class="overview"><a href="/software-monetization"><span>Software Monetization Overview</span></a></li> <li><a href="/software-monetization/software-license-management">License Management</a></li> <li><a href="/software-monetization/entitlement-management-solutions">Entitlement Management</a></li> <li><a href="/software-monetization/rights-management-system-rms">Rights Management System</a></li> <li><a href="/software-monetization/all-products/sentinel-sl">Software License & Copy Protection</a></li> <li><a href="/software-monetization/all-products">All Software Monetization Products</a></li> </ul> <div class="right-part"> <div class="image-wrap left-align"><img loading="lazy" alt="How to get SaaS Software Licensing Right the First Time" height="150" src="/sites/default/files/content/top_nav/how-to-get-saas-software-licensing-right-eb-cta.webp" width="265" /></div> <div class="h4">How to get SaaS Software Licensing Right the First Time</div> <p>Explore the software licensing lifecycle, and how to build a cross-functional licensing team.</p> <a class="link" href="/resources/software-monetization/how-to-get-saas-software-licensing-right-ebook">Get the eBook</a></div> </div> </div> </li> </ul> <div class="col-seven"> <div class="left-part"> <div class="h4">How We Can Help</div> <p>You can rely on Thales to help protect and secure access to your most sensitive data and software wherever it is created, shared or stored.</p> </div> <div class="right-part"> <div class="image-wrap left-align"><img alt="2024 Data Threat Report" height="150" src="/sites/default/files/content/top_nav/2024-DTR-cta.webp" width="265" /></div> <div class="h4">2024 Data Threat Report</div> <div class="h4">Navigating New Threats and Overcoming Old Challenges</div> <p>Discover insights into new technologies, their security implications and the organizational changes for success ahead in our comprehensive annual report.</p> <a class="link" href="/data-threat-report">Get Your Copy Today</a></div> </div> </div> </li> <li class="inner-nav solutions"><a href="/solutions">Solutions</a> <div class="sub-menu fullwidth" style="height: 600px;"> <ul class="col-three" style="height: 600px;"> <li class="sectionheader"><span>Solutions</span></li> <li class="overview"><a href="/solutions"><span>Solutions Overview</span></a></li> <li class="has-menu inner-link"><a href="/solutions#use_case"><span>By Use Case</span> </a> <div class="sub-menu-inner" style="left: 565px;"> <div class="col-seven" style="width: 695px;"> <ul class="left-part"> <li class="sectionheader"><span>By Use Case</span></li> <li><a href="/encryption/5g-security">5G Security</a></li> <li class="has-menu detail-link"><a href="/access-management/network-access-control-solutions"><span>Access Security </span></a> <div class="detail-menu" style="left: 305px; width: 390px;"> <ul class="detail-list"> <li class="sectionheader"><span>Access Security</span></li> <li class="overview"><a href="/access-management/network-access-control-solutions">Access Security</a></li> <li><a href="/access-management/secure-remote-access-solutions">Secure Remote Access</a></li> <li><a href="/access-management/vpn-security-authentication">Secure VPN Access </a></li> <li><a href="/access-management/saas-security-cloud-access-control">Secure Cloud Access </a></li> <li><a href="/access-management/secure-access-to-vdi-solutions">VDI Security Solutions</a></li> <li><a href="/access-management/two-factor-authentication-2fa">2FA Solutions </a></li> <li><a href="/access-management/web-based-applications-single-sign-on-solutions">Web and Cloud SSO </a></li> <li><a href="/access-management/physical-logical-access-control">Physical & Logical Access Control </a></li> <li><a href="/access-management/cyber-insurance-mfa-requirement">MFA for Cyber Insurance </a></li> </ul> </div> </li> <li><a href="/encryption/blockchain">Blockchain</a></li> <li class="has-menu detail-link"><a href="/cloud-security"><span>Cloud Security</span></a> <div class="detail-menu" style="left: 305px; width: 390px;"> <ul class="detail-list"> <li class="sectionheader"><span>Cloud Security</span></li> <li class="overview"><a href="/cloud-security">Cloud Security</a></li> <li><a href="/encryption/amazon-web-services-aws">Amazon Web Services </a></li> <li><a href="/encryption/bring-your-own-encryption">Bring Your Own Encryption (BYOE)</a></li> <li><a href="/encryption/cloud-data-encryption">Cloud Data Encryption</a></li> <li><a href="/access-management/cloud-sso">Cloud SSO</a></li> <li><a href="/cloud-security/google-cloud-platform">Google Cloud</a></li> <li><a href="/encryption/hardware-security-modules/hybrid-hsms">Luna HSMs – Hybrid, On-Premises and Cloud HSM</a></li> <li><a href="/encryption/microsoft-azure">Microsoft Azure </a></li> <li><a href="/cloud-security/encryption/double-key-encryption">Microsoft Double Key Encryption (DKE)</a></li> <li><a href="/cloud-security/enterprise-users">Multi-Cloud Security</a></li> <li><a href="/cloud-security/oracle-oci-key-management">Oracle Cloud Infrastructure</a></li> <li><a href="/cloud-security/your-data-their-cloud">Your Data Their Cloud</a></li> </ul> </div> </li> <li class="has-menu detail-link"><a href="/encryption/data-security-and-encryption"><span>Data Security & Encryption</span></a> <div class="detail-menu" style="left: 305px; width: 390px;"> <ul class="detail-list"> <li class="sectionheader"><span>Data Security & Encryption</span></li> <li class="overview"><a href="/encryption/data-security-and-encryption">Data Security & Encryption</a></li> <li><a href="/encryption/advanced-persistent-threats-apts">Advanced Persistent Threats (APTs)</a></li> <li><a href="/encryption/big-data-security-solutions">Big Data Security</a></li> <li><a href="/encryption/database-security">Database Security and Encryption</a></li> <li><a href="/encryption/devsecops-security-solutions">DevSecOps</a></li> <li><a href="/encryption/docker-security">Docker Encryption</a></li> <li><a href="/encryption/ciphertrust-transparent-data-encryption-kubernetes">Encryption for Kubernetes</a></li> <li><a href="/encryption/ciphertrust-transparent-encryption-userspace">Encryption UserSpace</a></li> <li><a href="/encryption/database-security/mongodb-encryption">MongoDB Encryption</a></li> <li><a href="/encryption/database-security/sql-mssql-encryption">MS SQL Server Encryption</a></li> <li><a href="/encryption/database-security/nosql-encryption">NoSQL Encryption </a></li> <li><a href="/encryption/database-security/oracle-database-encryption">Oracle Database Encryption </a></li> <li><a href="/encryption/database-security/postgresql-database-encryption">PostgreSQL Database Encryption </a></li> <li><a href="/encryption/sap-data-security">SAP Data Security </a></li> <li><a href="/encryption/database-security/unstructured-data-protection">Securing Unstructured Files </a></li> <li><a href="/encryption/database-security/tde-key-management">TDE Key Management </a></li> <li><a href="/encryption/virtual-environment-security">Virtual Environment Security</a></li> </ul> </div> </li> <li><a href="/compliance/data-sovereignty">Data Sovereignty</a></li> <li><a href="/data-protection/digital-transformation">Digital Transformation</a></li> <li class="has-menu detail-link"><a href="/industry/iot-security"><span>IoT Security</span></a> <div class="detail-menu" style="left: 305px; width: 390px;"> <ul class="detail-list"> <li class="sectionheader"><span>IoT Security</span></li> <li class="overview"><a href="/industry/iot-security">IoT Security</a></li> <li><a href="/encryption/iot/smart-grid-security">Smart Grid Security</a></li> <li><a href="/iot/connected-cars">IoT Connected Car </a></li> <li><a href="/iot/secure-manufacturing">IoT Secure Manufacturing </a></li> <li><a href="/data-protection/healthcare-data-security-solutions">IoT Healthcare </a></li> </ul> </div> </li> <li class="has-menu detail-link"><a href="/encryption/transaction-payment-security"><span>Payment & Transactions </span></a> <div class="detail-menu" style="left: 305px; width: 390px;"> <ul class="detail-list"> <li class="sectionheader"><span>Payment & Transactions</span></li> <li class="overview"><a href="/encryption/transaction-payment-security">Payment & Transactions</a></li> <li><a href="/encryption/secure-payments">Secure Payments</a></li> <li><a href="/encryption/point-to-point-encryption-p2pe">Point-to-Point Encryption </a></li> <li><a href="/data-protection/secure-digital-signatures">Document Signing</a></li> <li><a href="/encryption/emv-and-payment-card-issuance">EMV & Payment Card Issuance</a></li> <li><a href="/encryption/host-card-emulation">Host Card Emulation</a></li> <li><a href="/encryption/mobile-card-payments">Mobile Card Payments</a></li> <li><a href="/encryption/mpos">mPOS </a></li> <li><a href="/encryption/payment-processing">Payment Processing</a></li> <li><a href="/encryption/credit-card-pin-management">Secure Credit Card & Pin Management</a></li> </ul> </div> </li> <li class="has-menu detail-link"><a href="/data-protection/pki-credential-management"><span>PKI Credential Management</span> </a> <div class="detail-menu" style="left: 305px; width: 390px;"> <ul class="detail-list"> <li class="sectionheader"><span>PKI Credential Management</span></li> <li class="overview"><a href="/data-protection/pki-credential-management">PKI Credential Management</a></li> <li><a href="/access-management/security-applications/authentication-client-token-management">PKI Middleware</a></li> <li><a href="/access-management/authenticators/pki-smart-cards">PKI Authentication</a></li> <li><a href="/data-protection/pki-security-solutions">PKI Security</a></li> </ul> </div> </li> <li class="has-menu detail-link"><a href="/data-protection/pki-security-solutions"><span>PKI Security Solutions</span> </a> <div class="detail-menu" style="left: 305px; width: 390px;"> <ul class="detail-list"> <li class="sectionheader"><span>PKI Security Solutions</span></li> <li class="overview"><a href="/data-protection/pki-security-solutions">PKI Security Solutions</a></li> <li><a href="/encryption/tls-ssl-security-certificate">TLS/SSL Key Security</a></li> <li><a href="/data-protection/secure-digital-signatures/code-signing">Code Signing </a></li> <li><a href="/data-protection/secure-digital-signatures">Secure Digital Signatures</a></li> <li><a href="/data-protection/secure-digital-signatures/electronic-invoicing">Electronic Invoicing </a></li> <li><a href="/data-protection/secure-digital-signatures/dns-security-dnssec">DNS Security </a></li> <li><a href="/access-management/email-encryption">Email Encryption </a></li> </ul> </div> </li> <li class="has-menu detail-link"><a href="/encryption/post-quantum-crypto-agility"><span>Quantum</span></a> <div class="detail-menu" style="left: 305px; width: 390px;"> <ul class="detail-list"> <li class="sectionheader" style="display:none;"><span>Quantum</span></li> <li class="overview"><a href="/encryption/post-quantum-crypto-agility">Quantum</a></li> </ul> <div class="image-wrap left-align" style="margin-bottom: 15px;"><img loading="lazy" alt="Are You Post-Quantum Ready?" height="150" src="/sites/default/files/content/top_nav/Post-Quantum-Crypto-Agility-Tool-cta.webp" width="265" /></div> <div class="h4">Are You Post-Quantum Ready?</div> <p>Although post-quantum is projected to be a few years away, an enterprise must start planning today to be post-quantum ready. Take this free risk assessment to learn if your organization is at risk of a post-quantum breach.</p> <a class="link" href="/encryption/post-quantum-crypto-agility-tool">TEST YOUR QUANTUM READINESS</a> </div> </li> <li><a href="/encryption/ransomware-solutions">Ransomware Solutions</a></li> <li><a href="/cloud-security/remote-workforce-challenges">Remote Workforces Challenges</a></li> <li class="has-menu detail-link"><a href="/software-monetization"><span>Software Monetization</span></a> <div class="detail-menu" style="left: 305px; width: 390px;"> <ul class="detail-list"> <li class="sectionheader"><span>Software Monetization</span></li> <li class="overview"><a href="/software-monetization">Software Monetization</a></li> <li><a href="/software-monetization/software-license-management">Software License Management</a></li> <li><a href="/software-monetization/entitlement-management-solutions">Entitlement Management</a></li> <li><a href="/software-monetization/software-packaging-pricing">Software Packaging & Pricing</a></li> <li><a href="/software-monetization/software-usage-tracking-reporting">Software Usage Tracking & Reporting</a></li> <li><a href="/software-monetization/software-protection-licensing">Software Protection & Licensing</a></li> <li><a href="/software-monetization/capture-revenue-opportunities">Capture Revenue Opportunities</a></li> </ul> </div> </li> <li><a href="/cloud-security/zero-trust">Zero Trust Security</a></li> </ul> <div class="right-part"> <div class="image-wrap left-align"><img loading="lazy" alt="Best Practices For Secure Cloud Migration" height="150" src="/sites/default/files/content/top_nav/cta-best-practices-secure-cloud-migration-white-paper.webp" width="265" /></div> <div class="h4">Best Practices for Secure Cloud Migration</div> <p>It's a Multi-Cloud World. Thales can help secure your cloud migration.</p> <a class="link" href="/resources/cloud-security/best-practices-secure-cloud-migration-white-paper">GET THE WHITE PAPER</a></div> </div> </div> </li> <li class="has-menu inner-link"><a href="/solutions#industry"><span>By Industry</span></a> <div class="sub-menu-inner" style="left: 565px;"> <div class="col-seven" style="width: 695px;"> <ul class="left-part"> <li class="sectionheader"><span>By Industry</span></li> <li><a href="/industry/connected-car-protection">Automotive </a></li> <li><a href="/industry/critical-infrastructure-data-security">Critical Infrastructure</a></li> <li><a href="/industry/education-solutions">Education </a></li> <li class="has-menu detail-link"><a href="/industry/government-data-security"><span>Government</span></a> <div class="detail-menu" style="left: 305px; width: 390px;"> <ul class="detail-list"> <li class="sectionheader"><span>Government</span></li> <li class="overview"><a href="/industry/government-data-security">Government </a></li> <li><a href="/industry/government/federal-government-cyber-security">Federal Government </a></li> <li><a href="/industry/government/state-local-government-data-security">State and Local Government </a></li> <li><a href="/industry/government/law-enforcement-data-security">Law Enforcement </a></li> </ul> </div> </li> <li><a href="/industry/financial-data-security">Financial Services </a></li> <li><a href="/industry/healthcare-data-security-solutions">Healthcare </a></li> <li><a href="/industry/insurance-provider-data-security">Insurance Providers </a></li> <li><a href="/industry/manufacturing-data-security">Manufacturing and Industrial</a></li> <li><a href="/industry/media-and-entertainment-data-security">Media and Entertainment </a></li> <li><a href="/industry/retail-data-security">Retail </a></li> <li><a href="/industry/cloud-saas-provider-solutions">SaaS Providers and Consumers</a></li> <li><a href="/industry/telecom-data-security-solutions">Telecommunications</a></li> </ul> <div class="right-part"> <div class="image-wrap left-align"><img loading="lazy" alt="2024 Thales Consumer Digital Trust Index" height="150" src="/sites/default/files/content/top_nav/2024-digital-trust-index-cta2.webp" width="265" /></div> <div class="h4">2024 Thales Digital Trust Index</div> <p>The 2024 Thales Consumer Digital Trust Index Report aims to empower individuals and organizations to own their role in protecting their cyberspace from data breaches.</p> <a class="link" href="/digital-trust-index">GET THE REPORT</a></div> </div> </div> </li> <li class="has-menu inner-link"><a href="/solutions#compliance"><span>By Compliance</span></a> <div class="sub-menu-inner" style="left: 565px;"> <div class="col-seven" style="width: 695px;"> <ul class="left-part"> <li class="sectionheader"><span>By Compliance</span></li> <li class="has-menu detail-link"><a href="/solutions#compliance"><span>Global</span></a> <div class="detail-menu" style="left: 305px; width: 390px;"> <ul class="detail-list"> <li class="sectionheader"><span>Global</span></li> <li><a href="/compliance/basel-compliance-solutions">Basel Compliance Solutions</a></li> <li><a href="/compliance/data-breach-notifications-laws">Data Breach Notification Laws</a></li> <li><a href="/compliance/data-sovereignty">Data Sovereignty </a></li> <li><a href="/compliance/gdpr-compliance">GDPR </a></li> <li><a href="/compliance/iso-277992016-compliance">ISO 27799:2016 Compliance </a></li> <li><a href="/compliance/solutions-for-iso-iec-27001-2022-compliance">ISO/IEC 27001:2022 Compliance</a></li> <li><a href="/compliance/isoiec-270022013-compliance">ISO/IEC 27002:2013 Compliance </a></li> <li><a href="/compliance/pci-dss-compliance">PCI DSS </a></li> <li><a href="/compliance/pci-hsm">PCI HSM </a></li> <li><a href="/compliance/swift-csc-compliance">Swift CSC </a></li> <li><a href="/compliance/fips-common-criteria-validations">Validations and Certifications </a></li> </ul> </div> </li> <li class="has-menu detail-link"><a href="/solutions#compliance"><span>Americas</span> </a> <div class="detail-menu" style="left: 305px; width: 390px;"> <ul class="detail-list"> <li class="sectionheader"><span>Americas</span></li> <li><a href="/compliance/americas/brazil-general-data-protection-law">Brazil - LGPD</a></li> <li><a href="/compliance/americas/california-consumer-privacy-act-compliance-solutions-ccpa-compliance">CCPA (California Consumer Privacy Act) </a></li> <li><a href="/compliance/cjis-compliance">CJIS </a></li> <li><a href="/compliance/epcs-dea-fda-compliance">FDA/DEA - EPCS </a></li> <li><a href="/compliance/americas/nist-800-53-fedramp/fedramp">FedRamp </a></li> <li><a href="/compliance/americas/nist-800-53-fedramp/fisma">FISMA </a></li> <li><a href="/compliance/americas/nist-800-53-fedramp/fips-199-and-fips-200">FIPS 199 and FIPS 200 </a></li> <li><a href="/compliance/americas/fips-140-2">FIPS 140-2 </a></li> <li><a href="/compliance/fips-140-3">FIPS 140-3 </a></li> <li><a href="/compliance/glba-compliance">GLBA </a></li> <li><a href="/compliance/hipaa-hitech-compliance">HIPAA </a></li> <li><a href="/compliance/americas/mexico-data-protection-law">Mexico - Data Protection Law </a></li> <li><a href="/compliance/americas/naic-insurance-data-security-model-law-compliance">NAIC Insurance Data Security Model Law Compliance </a></li> <li><a href="/compliance/new-york-cybersecurity-regulation">New York State Cybersecurity Requirements for Financial Services Companies Compliance</a></li> <li><a href="/compliance/credit-union-compliance-ncua">NCUA Regulatory Compliance </a></li> <li><a href="/compliance/americas/nist-800-53-fedramp/nist-800-53-revision-4">NIST 800-53, Revision 4 </a></li> <li><a href="/compliance/americas/pipeda-compliance">PIPEDA Compliance </a></li> <li><a href="/compliance/sox-compliance-sarbanes-oxley">SOX </a></li> <li><a href="/compliance/americas/secure-telephone-identity-revisited-stir-shaken">STIR/SHAKEN</a></li> </ul> </div> </li> <li class="has-menu detail-link"><a href="/solutions#compliance"><span>EMEA</span></a> <div class="detail-menu" style="left: 305px; width: 390px;"> <ul class="detail-list"> <li class="sectionheader"><span>EMEA</span></li> <li><a href="/compliance/emea/defcon-658">DEFCON 658</a></li> <li><a href="/compliance/emea/data-security-compliance-dora-resilience-act">DORA</a></li> <li><a href="/compliance/emea/saudi-arabia-essential-cybersecurity-controls-ecc">ECC</a></li> <li><a href="/compliance/eidas">eIDAS</a></li> <li><a href="/compliance/gdpr-compliance">GDPR</a></li> <li><a href="/compliance/emea/nis2-directive-goal-enhance-cybersecurity-across-the-eu">NIS2</a></li> <li><a href="/compliance/emea/psd2">PSD2</a></li> <li><a href="/compliance/emea/schrems-ii">Schrems II</a></li> <li><a href="/compliance/emea/south-africa-popi-act">South Africa POPI Act</a></li> </ul> </div> </li> <li class="has-menu detail-link"><a href="/solutions#compliance"><span>APAC</span></a> <div class="detail-menu" style="left: 305px; width: 390px;"> <ul class="detail-list"> <li class="sectionheader"><span>APAC</span></li> <li><a href="/compliance/apac/data-security-compliance-asic-market">Australia ASIC Market Integrity Rules</a></li> <li><a href="/compliance/apac/australia-cps-234-information-security">Australia APRA CPS234</a></li> <li><a href="/compliance/privacy-act-australia">Australia Privacy Amendment</a></li> <li><a href="/compliance/apac/bangladesh-data-security-compliance-guideline-ict-security">Bangladesh ICT Security Guideline</a></li> <li><a href="/compliance/apac/personal-information-security-specification-cybersecurity-law-in-china">China Personal Information Security Specification</a></li> <li><a href="/compliance/apac/complying-with-hkma-digital-asset-guidelines">Hong Kong Digital Assets Guidelines</a></li> <li><a href="/compliance/apac/hk-cloud-computing-security-guide">Hong Kong Practice Guide for Cloud Computing Security</a></li> <li><a href="/compliance/apac/secure-tertiary-data-backup-guideline-hong-kong-compliance">Hong Kong Secure Tertiary Data Backup (STDB) Guideline</a></li> <li><a href="/compliance/apac/virtual-asset-trading-platforms-operators">Hong Kong Virtual Asset Trading Platforms Operators Guideline</a></li> <li><a href="/compliance/apac/india-cscrf-sebi-cybersecurity-compliance">India CSCRF by SEBI</a></li> <li><a href="/compliance/apac/india-digital-personal-data-protection-act">India Digital Personal Data Protection Act</a></li> <li><a href="/compliance/apac/framework-sebi-adoption-cloud-services">India Framework for Adoption of Cloud Services by SEBI</a></li> <li><a href="/compliance/apac/data-security-compliance-for-indian-insurance-industry">India IRDAI ICS Guidelines</a></li> <li><a href="/compliance/apac/data-security-compliance-it-outsourcing-india">India RBI Outsourcing of IT Services Directions</a></li> <li><a href="/compliance/apac/indonesia-personal-data-protection-law">Indonesia Personal Data Protection Law</a></li> <li><a href="/compliance/apac/data-security-compliance-japan-act-on-protection-of-personal-information">Japan Act on Protection of Personal Information</a></li> <li><a href="/compliance/apac/japan-my-number">Japan My Number Compliance</a></li> <li><a href="/compliance/j-sox-compliance">J-Sox </a></li> <li><a href="/compliance/apac/korea-personal-information-information-security-management-system-compliance">Korea Personal Information and Information Security Management System (ISMS-P)</a></li> <li><a href="/compliance/apac/monetary-authority-of-singapore-guidance">Monetary Authority of Singapore</a></li> <li><a href="/compliance/data-privacy-act-philippines">Philippines Data Privacy Act of 2012</a></li> <li><a href="/compliance/apac/data-security-compliance-npc-circular-2023-06">Philippines NPC Circular 2023-06</a></li> <li><a href="/compliance/apac/malaysia-bnm-risk-management-in-technology-rmit-policy">Risk Management in Technology (RMiT) Policy</a></li> <li><a href="/compliance/apac/singapore-mas-advisory-on-quantum">Singapore MAS Advisory On Quantum</a></li> <li><a href="/compliance/apac/recommendations-for-public-sector-data-security-singapore">Singapore Public Sector Data Security</a></li> <li><a href="/compliance/apac/singapore-ccop-2-critical-information-infrastructure">Singapore CCoP2.0</a></li> <li><a href="/compliance/apac/south-koreas-pipa">South Korea's PIPA</a></li> <li><a href="/compliance/apac/uidais-aadhaar-number-regulation-compliance">UIDAI's Aadhaar Number Regulation Compliance</a></li> <li><a href="/compliance/apac/data-security-compliance-vietnam-pdpd">Vietnam Personal Data Protection Decree</a></li> </ul> </div> </li> </ul> <div class="right-part"> <div class="image-wrap left-align"><img loading="lazy" alt="Data Breach Notifications Map" height="150" src="/sites/default/files/content/top_nav/cta-compliance-map-global.webp" width="265" /></div> <div class="h4">Protect Your Organization from Data Breach Notification Requirements</div> <p>Data breach disclosure notification laws vary by jurisdiction, but almost universally include a "safe harbor" clause.</p> <a class="link" href="/compliance/data-breach-notifications-laws">LEARN MORE</a></div> </div> </div> </li> </ul> <div class="col-seven"> <div class="left-part"> <div class="h4">Solutions to Secure Your Digital Transformation</div> <p>Whether it's securing the cloud, meeting compliance mandates or protecting software for the Internet of Things, organizations around the world rely on Thales to accelerate their digital transformation.</p> </div> <div class="right-part"> <div class="image-wrap left-align"><img alt="Implementing Strong Authentication for Office 365" height="150" src="/sites/default/files/content/top_nav/cta-office-365-strong-authentication-solution-brief.webp" width="265" /></div> <div class="h4">Implementing Strong Authentication for Office 365</div> <p>Mitigate the risk of unauthorized access and data breaches.</p> <a class="link" href="/resources/access-management/office-365-strong-authentication-solution-brief">Learn More</a></div> </div> </div> </li> <li class="inner-nav partners"><a href="/partners/overview">Partners</a> <div class="sub-menu"> <ul class="col-three" style="height: 460px;"> <li class="sectionheader"><span>Partners</span></li> <li class="overview"><a href="/partners/overview"><span>Partners Overview</span></a></li> <li><a href="/partners/partner-search"><span>Find a Partner</span></a></li> <li><a href="/partners/become-partner"><span>Become a Partner</span></a></li> <li><a href="/partners/reseller-partners"><span>Channel Partners</span></a></li> <li><a href="/partners/managed-service-providers-partners"><span>Managed Service Providers</span></a></li> <li><a href="/partners/technology-partners"><span>Technology 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class="third-level-banner"> <div class="bg-img"> <img loading="lazy" src="/sites/default/files/content/solution/banner/2020-03/host-card-emulation-page-banner.jpg" width="2878" height="600" alt="host card emulation banner" /> </div> <div class="v-middle-inner container"> <div class="v-middle"> <div class="content-wrapper"> <div class="content"> <h1>Host Card Emulation (HCE)</h1> <h3>With Host Card Emulation (HCE), critical payment credentials are stored in a secure shared repository rather than on the phone</h3> </div> </div> </div> </div> </section> <section class="overview"> <div class="container"> <div class="content"> <h2>Host Card Emulation</h2> <p>Securing a mobile phone such that it can be used to make credit or debit transactions at a physical point-of-sale (POS) terminal is a challenge. Payment systems based on magnetic stripe cards have evolved to use EMV chip cards and the natural next stage was to utilize dedicated security hardware inside most phones called a Secure Element to host the payment application, user payment credentials and the associated cryptographic keys.</p> <p>However, this approach has proven difficult to take from pilot to mass deployment for a variety of reasons – lack of standardization for mobile phones, complex certification requirements and, most importantly, the reluctance of many banks to cede control to a third party, the Trusted Service Manager (TSM). In the TSM model the bank pays to ‘rent space’ on the Secure Element, which is typically controlled by a mobile network operator (MNO) or handset manufacturer. To overcome these challenges an alternative approach is rapidly gaining support - host card emulation (HCE). With HCE, critical payment credentials are stored in a secure shared repository (the issuer data center or private cloud) rather than on the phone. Using host card emulation, limited use credentials are delivered to the phone in advance to enable contactless transactions to take place. Although host card emulation eliminates the need for TSMs and shifts control back to the banks, it brings with it a different set of security and risk challenges.</p> <img alt="Test" data-entity-type="file" data-entity-uuid="2ecfa073-a5fb-49bc-8f9f-45512a0f1e96" src="/sites/default/files/inline-images/host-card-emulation.jpg" class="align-center" width="802" height="628" loading="lazy"> <p> </p> </div> </div> </section> <section class="tabs"> <div class="container"> <div class="tab-box"> <ul class="tab-heading"> <li><span>Challenges</span></li> <li><span>Solutions</span></li> <li><span>Benefits</span></li> </ul> <div class="tab-content"> <div class="tab"> <h4>Host Card Emulation for Mobile Payments: Today’s Challenge</h4> <ul> <li>The establishment of a centralized service to store many millions of payment credentials or create one-time use credentials on demand creates an obvious point of attack. Although banks have issued cards for years, those systems have largely been offline, not requiring round-the-cloud interaction with the payment token (in this case a plastic card). Host Card Emulation requires these services to be online and accessible in real-time as part of individual payment transactions. Failure to protect these service platforms places the issuer at considerable risk of fraud.</li> <li>Although the phone no longer acts as the store for payment credentials, it still plays three critical security roles. All three create opportunities for theft or substitution of credentials or transaction information. <ol> <li>It provides the means for applications to request card data stored in the host card emulation (HCE) service</li> <li>It is the method by which a user is authenticated and authorizes the service to provide the payments credentials</li> <li>It provides the communications channel over which payment credentials are passed to the POS terminal</li> </ol> </li> <li>All mobile payments schemes are more complex than traditional card payments and yet smart phone user expectations are extremely high. Poor mobile network coverage makes HCE services inaccessible, complex authentication schemes lead to errors and software or hardware incompatibility can bring everything to a halt. A flexible approach will be required where credentials are cached and risk-based approvals will become the norm all at a time when standards will be maturing and the need for certifications will be imposed.</li> </ul> </div> <div class="tab"> <h4>Host Card Emulation Mobile Payments: Thales Solutions</h4> <p>Thales payShield hardware security modules (HSMs) are in use today helping to secure HCE-based solutions. Payment credentials are securely generated and stored centrally using HSMs by the issuer, who also has the flexibility to decide how many keys are stored in the phone at any given time, and therefore cover situations where offline authorization is supported as part of the issuer risk decision. In an online authorization situation (which is the usual deployment mode for HCE solutions) the issuer uses HSMs to validate the cryptogram which is generated by the phone app in real time as part of the contactless mobile payment transaction. In this case the security design of the phone app is critical to ensure that the processing inside the phone limits the risk of key or sensitive data exposure to fraudulent attack. That is why the card schemes are conducting extensive validation of mobile payment app security (which includes the interface to the issuer involving HSMs) before the bank can go live with the HCE service.</p> </div> <div class="tab"> <h4>Thales hardware security modules help to secure HCE-based solutions</h4> <ul> <li>Use the same types of Thales HSMs for HCE that are used globally today for authorizing card payments and issuing EMV cards</li> <li>Take advantage of the Thales integration partner ecosystem to source proven HCE-based solutions and be automatically compatible with the latest card scheme specifications</li> <li>Choose from a range of cryptographic algorithms and key management schemes already supported by Thales HSMs to create a hardware-based secure session between the issuer system and the phone, eliminating man-in-the-middle attacks during the credential loading process</li> <li>Leverage the existing PCI HSM certifications to simplify audit compliance and ensure the best possible key generation and protection methods are deployed</li> </ul> </div> </div> </div> </div> </section> <section class="col-three-grid"> <div class="container"> <div class="title-wrap"> <h2>Related Solutions</h2> </div> <div class="content-wrap"> <div> <div><div class="col-three col-wrap"> <a href="/encryption/mobile-card-payments"> <div class="content"> <h2>Mobile Payments</h2> <span class="center-line"></span> <p>Incorporate mobile payments in your business while maintaining the highest levels of performance and security with Thales.</p> <h4 class="link grid-arrow">Learn More <span></span></h4> </div> </a> </div></div> <div><div class="col-three col-wrap"> <a href="/encryption/host-card-emulation"> <div class="content"> <h2>Host Card Emulation</h2> <span class="center-line"></span> <p>Learn how HCE apps deliver new transactions and new revenue, what you need to support the new security and risk models required by HCE, how to maximize use of your existing back office security infrastructure, and the flexibility of the Thales HSM offerings.</p> <h4 class="link grid-arrow">Learn More <span></span></h4> </div> </a> </div></div> </div> </div> </div> </section> </div> <section class="newsletter"> <div class="container"> <div class="content"> <div class="h2">Get in contact with an Encryption Specialist</div> <div class="btn-default news-btn"> <a href="/encryption/contact-us">Contact Sales</a> </div> </div> </div> </section> </div> <section class="sub-header basic-page breakdown"> <div class="inner-header"> <div class="container"> <div class="secondary-nav"> <div class="hamburger"> <span></span> <span></span> <span></span> </div> </div> <div class="nav-wrap"> <div class="main-nav"> <div> <nav role="navigation" aria-labelledby="block-usecasesubnavpaymenttransactions-menu" id="block-usecasesubnavpaymenttransactions"> <h2 class="visually-hidden" id="block-usecasesubnavpaymenttransactions-menu">Use Case Subnav - Payment & Transactions</h2> <ul> <li> <a 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M46.8,0c12.9,0,24.6,5.2,33.1,13.7c8.5,8.5,13.7,20.2,13.7,33.1 s-5.2,24.6-13.7,33.1c-3.3,3.3-7.1,6.1-11.3,8.3c0.3-2.3,0.6-4.7,0.8-7.2c0-0.3,0.1-0.6,0.1-1c2.1-1.4,4-3,5.8-4.8 C82.5,67.9,87,57.9,87,46.8s-4.5-21.2-11.8-28.5C68,11.1,57.9,6.6,46.8,6.6s-21.2,4.5-28.5,11.8C11.1,25.6,6.6,35.7,6.6,46.8 S11.1,68,18.3,75.2c1.8,1.8,3.8,3.5,6,4.9c0,0.5,0.1,0.9,0.1,1.4c0.2,2.3,0.5,4.6,0.8,6.8c-4.3-2.2-8.1-5.1-11.5-8.4 C5.2,71.4,0,59.7,0,46.8s5.2-24.6,13.7-33.1C22.2,5.2,33.9,0,46.8,0L46.8,0z"></path></svg></a> </p> <p style="color: #FFFFFF; padding-top:40px; margin:0px; font-weight: 400;">Visit our parent site at</p> <span style="color:#007bff; font-size:18px; font-weight: 700;"><a href="https://www.thalesgroup.com" target="_blank">www.thalesgroup.com</a></span></div> <div class="column-wrap"> <ul class="col-six"> <li><span>Products</span> <ul> <li><a href="/data-protection">Data Security</a></li> <li><a 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