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NFC & Mobile Payments

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

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