Online and mobile pay­ments and cre­den­tials man­age­ment com­pany Jumio has introduced Jumio Port, a secure, embedded wallet infra­struc­ture designed to inte­grate with mobile OS util­i­ties such as Apple Pass­book, and Sam­sung Wallet.

Port enables con­sumers to make one-click pur­chases and trans­ac­tions requiring iden­tity ver­i­fi­ca­tion, without having to down­load a stand­alone wallet app. The solution builds upon the utility of Jumio’s Netswipe and Netverify prod­ucts, which are used by online and mobile mer­chants to enable fric­tion­less credit card and ID scan­ning and val­i­da­tion for seven types of credit cards and IDs issued by more than 90 coun­tries. Port will be avail­able to mer­chants in late Q1, 2014.

“Unlike today’s dig­ital wal­lets that func­tion solely for mobile pay­ments, and require con­sumers to down­load indi­vidual mer­chant apps, Port enables effi­cient trans­ac­tions in both dig­ital and real world envi­ron­ments, mir­roring the full func­tion­ality of a tra­di­tional wallet,” said Jumio CEO Daniel Mattes. “The cur­rent absence of a com­pre­hen­sive device-based wallet offering that is securely inte­grated into the mer­chant apps, at the point of trans­ac­tion, is what has hin­dered mobile wal­lets from reaching the crit­ical tip­ping point.”

Port tech­nology inte­grates directly into a merchant’s mobile app on the checkout page or at the point of trans­ac­tion. First-time users scan their pay­ment or ID cre­den­tials with their smartphone’s camera, rather than entering details via the keyboard to com­plete a pur­chase, open an account or con­duct a trans­ac­tion. Once scanned, the cre­den­tials are val­i­dated for authen­ticity and passed into the trans­ac­tion. At that point, users of the iPhone?–?the first device that will inte­grate Port?–?will tap the ‘Save to Pass­book’ button to safely store cre­den­tials for future usage.

After the con­sumer has saved pay­ment or ID cre­den­tials, the next time they transact in that merchant’s mobile app they need only tap ‘Pay with Pass­book’ to com­plete the transaction. Val­i­dated and stored cre­den­tials can also be sum­moned from the Pass­book, or other device-based wallet, and used in in real world sit­u­a­tions such as showing an ID at hotel check in or car rental.

Ini­tially, PORT infra­struc­ture will be asso­ci­ated within indi­vidual mer­chant apps, which Jumio says will sig­nif­i­cantly increase user trans­ac­tion com­ple­tion rates and rev­enues by reducing the fric­tion asso­ci­ated with checkout or ID ver­i­fi­ca­tion. Once there is a crit­ical mass of par­tic­i­pating mer­chants, the system will open to a broader net­work. This will allow a cus­tomer, who has never had an inter­ac­tion with a new mer­chant, to leverage Jumio Port to complete the checkout page or authen­ti­ca­tion process with one tap.

Because cus­tomer data secu­rity is so crit­ical to the adop­tion of dig­ital wal­lets, Jumio has also announced plans to form a member-owned and oper­ated industry stan­dards orga­ni­za­tion to be known as CIESTA (Cus­tomer Infor­ma­tion Storage and Trans­mis­sion Asso­ci­a­tion). Today’s stan­dards for PII (per­son­ally iden­ti­fi­able infor­ma­tion) largely apply to col­lec­tion, sharing, pri­vacy and noti­fi­ca­tions, but not specif­i­cally to the storage and trans­mis­sion of this infor­ma­tion. CIESTA intends to fill this gap in order to create a safe and secure envi­ron­ment in which busi­nesses and con­sumers can transact with con­fi­dence. Com­pa­nies who want to indi­cate their interest to join this asso­ci­a­tion can do so here.