Diversification of user needs is the trend. Diversified needs created diversified application scenarios, whose security solutions should not remain the same. Actually, different security methods can work as a team to provide more powerful security protection for users.

In the Internet age, security is the key. Real security does not need apps to be aggressive or users to be nervous about attack. Instead we need to build a trusted mobile internet environment that lets what is open remain open and what is secure trustworthy, thus enabling both convenience and security for mobile devices. If we compare the smartphone to a nut, security is its hard outer shell. Security means freedom to prosper.

n Traditional business model of commercial device: closeness and cooperation; n Traditional business model of personal device: openness and coexistence n Challenges for the business model of secure personal devices: openness vs. closeness, and cooperation vs. coexistence. n Introduction to China UnionPay’s TEEI solution n A win-win business model of China UnionPay’s TEEI solution

With the spread of NFC phones, smartphones are gradually replacing payment cards. To make cards more secure, practical and compatible on apps, we have developed a HCE solution in accordance with the international EMV standards. KONA's architecture enables issuers to manage cards and enjoy various quality services on the comprehensive HCE platform.