Welcome!

Agile Computing Authors: Elizabeth White, Liz McMillan, Pat Romanski, Jeev Trika, Yakov Fain

News Feed Item

NFC & mobile payments

NEW YORK, Dec. 18, 2012 /PRNewswire/ -- Reportlinker.com announces that a new market research report is available in its catalogue:

NFC & mobile payments

http://www.reportlinker.com/p01057534/NFC--mobile-payments.html#utm_sour...

This study presents the current situation of the mobile payment and mobile NFC technology markets. It analyzes the prospects for the market from a technical and economic point of view, by looking at challenges facing the economic models in key areas, including: automation, commerce, advertising, public services and transport.

• How can mobile NFC technology revolutionize payment, transportation and mobile applications?

• Can it generate revenue for the various stakeholders?

• What are some of the issues around NFC technology business models?

• What technical challenges exist that might have a direct impact on mobile NFC business models?

• Could NFC mobile payment be deployed on a large scale?

• What strategies are the major players adopting for implementing mobile NFC technology?

1. Executive Summary 7

1.1. Current status of contactless mobile technology . 8

1.2. Limited new usage, few additional revenues . 9

1.3. Multiple stakeholders vie for the market . 10

2. Methodology 11

3. NFC technology . 13

3.1. Definition . 13

3.2. NFC objects 13

3.3. How it works . 14

3.4. General hardware architecture . 15

3.4.1. NFC tags and cards architecture . 15

3.4.2. Architecture and operation of NFC devices . 16

3.5. Norms and standards . 17

3.6. The Secure Element (SE) 18

3.6.1. The Cardlet 18

3.6.2. Trusted Service Manager (TSM) and personalization . 18

3.6.3. The different types of Secure Element 19

3.7. How NFC works for secure applications 21

3.7.1. Contactless mobile payments (credit/debit card system) . 21

3.7.2. Mobile wallets 25

3.7.3. Transportation and ticketing applications 26

3.8. How NFC works for non-secure applications . 28

3.8.1. Between an NFC mobile device and an NFC tag 28

3.8.2. Between two NFC mobile devices . 29

4. Market structure 30

4.1. Market evaluation . 30

4.1.1. Initiatives around NFC . 30

4.1.2. NFC mobile devices 35

4.2. The main applications and uses for NFC . 37

4.2.1. NFC mobile payments and micro-payments 37

4.2.2. Non-NFC mobile payments . 42

4.2.3. Transportation . 47

4.2.4. Other applications 48

4.3. Business models and added value of NFC mobile technology 55

4.3.1. Automation 56

4.3.2. Transportation . 56

4.3.3. Commerce and payments . 57

4.3.4. Advertising . 60

4.3.5. Public services . 61NFC & Mobile Payment

5. Strategies from key players 62

5.1. The value chain 62

5.1.1. The NFC mobile payments value chain . 62

5.1.2. The transportation value chain 62

5.1.3. Details and role of the various stakeholders 63

5.2. Profiles of key players 65

5.2.1. Mobile service providers 65

5.2.2. Payment systems 68

5.2.3. Mobile operators 70

5.2.4. Mobile device manufacturers . 74

5.2.5. Manufacturers of NFC chips, SIM cards and microSD cards . 79

6. Strategic analysis 83

6.1. Technical maturity of NFC 83

6.1.1. Norms and standards 83

6.1.2. NFC mobile devices 84

6.1.3. Infrastructures 84

6.2. Numerous initiatives . 85

6.3. Challenges around usage 86

6.4. Business models and ecosystem . 87

6.4.1. Complex business models . 87

6.4.2. An overcrowded ecosystem . 88

6.4.3. Competing technical architectures . 88

Tables

Table 1: Comparison of different near-field wireless communication technologies . 13

Table 2: Summary of the major, recent initiatives around NFC 31

Table 3: Worldwide data for the volume of transactions made on mobile devices 34

Table 4: Number of users using mobile devices as a payment method, by region . 34

Table 5 : List of main card reader mobile plug-in solution providers 43

Table 6: Business model comparison between transportation and commerce/payments . 55

Table 7: Individual ticket price comparison in London between NFC and non-NFC . 57

Table 8: Percentage of the population who have used mobile payments during the year, for

various countries in Africa . 58

Table 9: Service provider involvement 66

Table 10: Payment systems and NFC involvement 68

Table 11: Mobile operators' involvement 70

Table 12: Involvement of mobile device manufacturers 75

Table 13: Involvement of manufacturers of NFC chips, SIM cards and microSD cards 79

Figures

Figure 1: Contents of the ISIS contactless mobile wallet . 9

Figure 2: NFC operation in P2P mode . 14

Figure 3: NFC operation in read/write mode 14

Figure 4: NFC operation in card emulation mode 15

Figure 5: Overhead view of an NFC NXP tag 15

Figure 6: Exploded view of an NFC card, showing its different elements 16

Figure 7: Hardware architecture of an NFC mobile device 17

Figure 8: Example of cardlet organization in an NFC SIM card . 18

Figure 9: NFC mobile device architecture with an integrated SE . 19

Figure 10: NFC mobile device architecture with the SE in the SIM card 20

Figure 11: NFC mobile device and traditional mobile device architecture with the SE in the SIM

card . 21

Figure 12: Personalization of the payment application on the user's mobile device 22

Figure 13: Payment amount displayed on the EPT and the user's mobile device during a

transaction 23

Figure 14: Simplfied NFC mobile payment process, with an authorization request . 24

Figure 15: Simplified process for transfer of funds from customer to merchant . 24

Figure 16: Different ways of purchasing a transport ticket for use with NFC mobile devices . 27

Figure 17: Different ways of downloading a transport ticket for use with NFC mobile devices 28

Figure 18: Possible data exchange initiated by NFC between two NFC mobile devices . 29

Figure 19: Number of NFC mobile products offered by brand . 36

Figure 20: Microsoft Wallet on Windows Phone 8 37

Figure 21: Visa's NFC mobile payment app for the London 2012 Summer Olympics 38

Figure 22: The ISIS Wallet app 38

Figure 23: The Cityzi app and BNP Paribas (KIX) payment services . 39

Figure 24: The Cityzi app and transport service in Nice . 39

Figure 25: The Google Wallet NFC app . 40

Figure 26: Signing for a card payment directly on the device 42

Figure 27: The Square Register card reader in use with an iPad 43NFC & Mobile Payment

Figure 30 : Segmentation of mobile payment systems . 45

Figure 31 : Example of a virtual currency model (Facebook Credits) involving four player types . 45

Figure 32 : Buying FarmCash, the virtual currency used in FarmVille, with Facebook Credits . 46

Figure 33: Poster for the film X-Men First Class with an NFC tag that lets users view the trailer with

their mobile devices 49

Figure 34: Overview of Groupe Casino's NFC solution 50

Figure 35: Audioguide on a Samsung Smartphone at the Cité de l'Architecture in Paris, controlled

by tapping an NFC tag with an NFC mobile device 50

Figure 36: Posters designed for restaurants by Atuch, allowing customers to download menus

directly by tapping an NFC tag or scanning a QR code 51

Figure 37: Sony Ericsson's Xperia programmable tags, which can trigger an action on a Sony

mobile device 51

Figure 38: Nokia's NFC-compatible wireless speaker for pairing with a Nokia NFC mobile phone via

Bluetooth . 52

Figure 39: Exchanging business cards between two Nokia NFC mobile phones 53

Figure 40: Passing security and boarding gates at Toulouse airport, France, using a boarding pass

stored in an NFC mobile device. . 53

Figure 41: An NFC parking ticket service by Skidata . 54

Figure 42: Yale's NFC solution for unlocking hotel doors . 54

Figure 43: Percentage of the population in different countries worldwide with an account at a

financial institution 58

Figure 44: Growth in the number of non-cash payments by inhabitants for different countries in

Europe and the United States, from 2001 to 2009 59

Figure 45: The NFC mobile and mobile payments value chain 62

Figure 46: NFC apps to become Facebook friends with someone or to like a Facebook page . 66

Figure 47: Paypal's mobile app for NFC payment between two mobile devices 70

Figure 48: NTT docomo's Osaifu Keitai (mobile wallet) concept 73

Figure 49: NTT docomo's iD credit payment service in use . 73

Figure 50: NTT docomo's DCMX credit service . 74

Figure 51: Nokia's range of NFC handsets 76

Figure 52: BlackBerry handsets hosting NFC technology . . 77

Figure 53: a Samsung Galaxy SII being used to make a purchase via the Visa PayWave app . 78

Figure 54: WatchData's NFC solutions 80

Figure 55: NXP's NFC chips built into Google and Samsung mobile devices. Without a Secure

Element on the left and with an SE on the right 81

Figure 56: Features of the Sony Xperia S promoted by Orange 84

Figure 57: Snapshot of different NFC mobile initiatives around the world 85

Figure 58: Starbucks Coffee non-NFC mobile payment application using bar codes 86

To order this report:

: NFC & mobile payments

Contact Nicolas: [email protected]
US: (805)-652-2626
Intl: +1 805-652-2626

SOURCE Reportlinker

More Stories By PR Newswire

Copyright © 2007 PR Newswire. All rights reserved. Republication or redistribution of PRNewswire content is expressly prohibited without the prior written consent of PRNewswire. PRNewswire shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon.

@ThingsExpo Stories
SYS-CON Events announced today that MangoApps will exhibit at SYS-CON's 18th International Cloud Expo®, which will take place on June 7-9, 2016, at the Javits Center in New York City, NY. MangoApps provides modern company intranets and team collaboration software, allowing workers to stay connected and productive from anywhere in the world and from any device. For more information, please visit https://www.mangoapps.com/.
A strange thing is happening along the way to the Internet of Things, namely far too many devices to work with and manage. It has become clear that we'll need much higher efficiency user experiences that can allow us to more easily and scalably work with the thousands of devices that will soon be in each of our lives. Enter the conversational interface revolution, combining bots we can literally talk with, gesture to, and even direct with our thoughts, with embedded artificial intelligence, wh...
SYS-CON Events announced today that 24Notion has been named “Bronze Sponsor” of SYS-CON's 18th Cloud Expo, which will take place on June 7-9, 2016, at the Javits Center in New York, New York. 24Notion is full-service global creative digital marketing, technology and lifestyle agency that combines strategic ideas with customized tactical execution. With a broad understand of the art of traditional marketing, new media, communications and social influence, 24Notion uniquely understands how to con...
The essence of data analysis involves setting up data pipelines that consist of several operations that are chained together – starting from data collection, data quality checks, data integration, data analysis and data visualization (including the setting up of interaction paths in that visualization). In our opinion, the challenges stem from the technology diversity at each stage of the data pipeline as well as the lack of process around the analysis.
WebRTC is bringing significant change to the communications landscape that will bridge the worlds of web and telephony, making the Internet the new standard for communications. Cloud9 took the road less traveled and used WebRTC to create a downloadable enterprise-grade communications platform that is changing the communication dynamic in the financial sector. In his session at @ThingsExpo, Leo Papadopoulos, CTO of Cloud9, will discuss the importance of WebRTC and how it enables companies to fo...
Designing IoT applications is complex, but deploying them in a scalable fashion is even more complex. A scalable, API first IaaS cloud is a good start, but in order to understand the various components specific to deploying IoT applications, one needs to understand the architecture of these applications and figure out how to scale these components independently. In his session at @ThingsExpo, Nara Rajagopalan is CEO of Accelerite, will discuss the fundamental architecture of IoT applications, ...
SYS-CON Events announced today TechTarget has been named “Media Sponsor” of SYS-CON's 18th International Cloud Expo, which will take place on June 7–9, 2016, at the Javits Center in New York City, NY, and the 19th International Cloud Expo, which will take place on November 1–3, 2016, at the Santa Clara Convention Center in Santa Clara, CA. TechTarget is the Web’s leading destination for serious technology buyers researching and making enterprise technology decisions. Its extensive global networ...
Korean Broadcasting System (KBS) will feature the upcoming 18th Cloud Expo | @ThingsExpo in a New York news documentary about the "New IT for the Future." The documentary will cover how big companies are transmitting or adopting the new IT for the future and will be filmed on the expo floor between June 7-June 9, 2016, at the Javits Center in New York City, New York. KBS has long been a leader in the development of the broadcasting culture of Korea. As the key public service broadcaster of Korea...
As cloud and storage projections continue to rise, the number of organizations moving to the cloud is escalating and it is clear cloud storage is here to stay. However, is it secure? Data is the lifeblood for government entities, countries, cloud service providers and enterprises alike and losing or exposing that data can have disastrous results. There are new concepts for data storage on the horizon that will deliver secure solutions for storing and moving sensitive data around the world. ...
In his session at 18th Cloud Expo, Bruce Swann, Senior Product Marketing Manager at Adobe, will discuss how the Adobe Marketing Cloud can help marketers embrace opportunities for personalized, relevant and real-time customer engagement across offline (direct mail, point of sale, call center) and digital (email, website, SMS, mobile apps, social networks, connected objects). Bruce Swann has more than 15 years of experience working with digital marketing disciplines like web analytics, social med...
What a difference a year makes. Organizations aren’t just talking about IoT possibilities, it is now baked into their core business strategy. With IoT, billions of devices generating data from different companies on different networks around the globe need to interact. From efficiency to better customer insights to completely new business models, IoT will turn traditional business models upside down. In the new customer-centric age, the key to success is delivering critical services and apps wit...
With major technology companies and startups seriously embracing IoT strategies, now is the perfect time to attend @ThingsExpo 2016 in New York and Silicon Valley. Learn what is going on, contribute to the discussions, and ensure that your enterprise is as "IoT-Ready" as it can be! Internet of @ThingsExpo, taking place Nov 3-5, 2015, at the Santa Clara Convention Center in Santa Clara, CA, is co-located with 17th Cloud Expo and will feature technical sessions from a rock star conference faculty ...
The 19th International Cloud Expo has announced that its Call for Papers is open. Cloud Expo, to be held November 1-3, 2016, at the Santa Clara Convention Center in Santa Clara, CA, brings together Cloud Computing, Big Data, Internet of Things, DevOps, Containers, Microservices and WebRTC to one location. With cloud computing driving a higher percentage of enterprise IT budgets every year, it becomes increasingly important to plant your flag in this fast-expanding business opportunity. Submit y...
There are several IoTs: the Industrial Internet, Consumer Wearables, Wearables and Healthcare, Supply Chains, and the movement toward Smart Grids, Cities, Regions, and Nations. There are competing communications standards every step of the way, a bewildering array of sensors and devices, and an entire world of competing data analytics platforms. To some this appears to be chaos. In this power panel at @ThingsExpo, moderated by Conference Chair Roger Strukhoff, panelists will discuss the vast to...
Internet of @ThingsExpo, taking place November 1-3, 2016, at the Santa Clara Convention Center in Santa Clara, CA, is co-located with the 19th International Cloud Expo and will feature technical sessions from a rock star conference faculty and the leading industry players in the world and ThingsExpo New York Call for Papers is now open.
SYS-CON Events announced today that Enzu, a leading provider of cloud hosting solutions, will exhibit at SYS-CON's 18th International Cloud Expo®, which will take place on June 7-9, 2016, at the Javits Center in New York City, NY. Enzu’s mission is to be the leading provider of enterprise cloud solutions worldwide. Enzu enables online businesses to use its IT infrastructure to their competitive advantage. By offering a suite of proven hosting and management services, Enzu wants companies to foc...
SYS-CON Events announced today the How to Create Angular 2 Clients for the Cloud Workshop, being held June 7, 2016, in conjunction with 18th Cloud Expo | @ThingsExpo, at the Javits Center in New York, NY. Angular 2 is a complete re-write of the popular framework AngularJS. Programming in Angular 2 is greatly simplified. Now it’s a component-based well-performing framework. The immersive one-day workshop led by Yakov Fain, a Java Champion and a co-founder of the IT consultancy Farata Systems and...
Customer experience has become a competitive differentiator for companies, and it’s imperative that brands seamlessly connect the customer journey across all platforms. With the continued explosion of IoT, join us for a look at how to build a winning digital foundation in the connected era – today and in the future. In his session at @ThingsExpo, Chris Nguyen, Group Product Marketing Manager at Adobe, will discuss how to successfully leverage mobile, rapidly deploy content, capture real-time d...
IoT generates lots of temporal data. But how do you unlock its value? How do you coordinate the diverse moving parts that must come together when developing your IoT product? What are the key challenges addressed by Data as a Service? How does cloud computing underlie and connect the notions of Digital and DevOps What is the impact of the API economy? What is the business imperative for Cognitive Computing? Get all these questions and hundreds more like them answered at the 18th Cloud Expo...
In his keynote at 18th Cloud Expo, Andrew Keys, Co-Founder of ConsenSys Enterprise, will provide an overview of the evolution of the Internet and the Database and the future of their combination – the Blockchain. Andrew Keys is Co-Founder of ConsenSys Enterprise. He comes to ConsenSys Enterprise with capital markets, technology and entrepreneurial experience. Previously, he worked for UBS investment bank in equities analysis. Later, he was responsible for the creation and distribution of life ...