Statistics show that the majority of smart phone users want to make payments with their phones. Tokenizing a debit or credit card into a mobile wallet app with near frequency communication technology continues to gain momentum. Combining this technology with a finger print is all that is needed to make a payment. FIs need to offer a mobile wallet app that will be unique and useful for their customers. TSS offers the hardware encryption necessary to engage VISA and MasterCard push provisioning requirements for compliant wallet pay systems.