Welcome!

Microsoft Cloud Authors: Pat Romanski, John Basso, Liz McMillan, Glenn Rossman, Elizabeth White

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
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 Silicon Valley Call for Papers is now open.
I wanted to gather all of my Internet of Things (IOT) blogs into a single blog (that I could later use with my University of San Francisco (USF) Big Data “MBA” course). However as I started to pull these blogs together, I realized that my IOT discussion lacked a vision; it lacked an end point towards which an organization could drive their IOT envisioning, proof of value, app dev, data engineering and data science efforts. And I think that the IOT end point is really quite simple…
"My role is working with customers, helping them go through this digital transformation. I spend a lot of time talking to banks, big industries, manufacturers working through how they are integrating and transforming their IT platforms and moving them forward," explained William Morrish, General Manager Product Sales at Interoute, in this SYS-CON.tv interview at 18th Cloud Expo, held June 7-9, 2016, at the Javits Center in New York City, NY.
You think you know what’s in your data. But do you? Most organizations are now aware of the business intelligence represented by their data. Data science stands to take this to a level you never thought of – literally. The techniques of data science, when used with the capabilities of Big Data technologies, can make connections you had not yet imagined, helping you discover new insights and ask new questions of your data. In his session at @ThingsExpo, Sarbjit Sarkaria, data science team lead ...
Extracting business value from Internet of Things (IoT) data doesn’t happen overnight. There are several requirements that must be satisfied, including IoT device enablement, data analysis, real-time detection of complex events and automated orchestration of actions. Unfortunately, too many companies fall short in achieving their business goals by implementing incomplete solutions or not focusing on tangible use cases. In his general session at @ThingsExpo, Dave McCarthy, Director of Products...
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, discussed the importance of WebRTC and how it enables companies to focus...
Verizon Communications Inc. (NYSE, Nasdaq: VZ) and Yahoo! Inc. (Nasdaq: YHOO) have entered into a definitive agreement under which Verizon will acquire Yahoo's operating business for approximately $4.83 billion in cash, subject to customary closing adjustments. Yahoo informs, connects and entertains a global audience of more than 1 billion monthly active users** -- including 600 million monthly active mobile users*** through its search, communications and digital content products. Yahoo also co...
A critical component of any IoT project is what to do with all the data being generated. This data needs to be captured, processed, structured, and stored in a way to facilitate different kinds of queries. Traditional data warehouse and analytical systems are mature technologies that can be used to handle certain kinds of queries, but they are not always well suited to many problems, particularly when there is a need for real-time insights.
Amazon has gradually rolled out parts of its IoT offerings in the last year, but these are just the tip of the iceberg. In addition to optimizing their back-end AWS offerings, Amazon is laying the ground work to be a major force in IoT – especially in the connected home and office. Amazon is extending its reach by building on its dominant Cloud IoT platform, its Dash Button strategy, recently announced Replenishment Services, the Echo/Alexa voice recognition control platform, the 6-7 strategic...
The best-practices for building IoT applications with Go Code that attendees can use to build their own IoT applications. In his session at @ThingsExpo, Indraneel Mitra, Senior Solutions Architect & Technology Evangelist at Cognizant, provided valuable information and resources for both novice and experienced developers on how to get started with IoT and Golang in a day. He also provided information on how to use Intel Arduino Kit, Go Robotics API and AWS IoT stack to build an application tha...
IoT generates lots of temporal data. But how do you unlock its value? You need to discover patterns that are repeatable in vast quantities of data, understand their meaning, and implement scalable monitoring across multiple data streams in order to monetize the discoveries and insights. Motif discovery and deep learning platforms are emerging to visualize sensor data, to search for patterns and to build application that can monitor real time streams efficiently. In his session at @ThingsExpo, ...
SYS-CON Events announced today that LeaseWeb USA, a cloud Infrastructure-as-a-Service (IaaS) provider, will exhibit at the 19th International Cloud Expo, which will take place on November 1–3, 2016, at the Santa Clara Convention Center in Santa Clara, CA. LeaseWeb is one of the world's largest hosting brands. The company helps customers define, develop and deploy IT infrastructure tailored to their exact business needs, by combining various kinds cloud solutions.
SYS-CON Events announced today that 910Telecom will exhibit at the 19th International Cloud Expo, which will take place on November 1–3, 2016, at the Santa Clara Convention Center in Santa Clara, CA. Housed in the classic Denver Gas & Electric Building, 910 15th St., 910Telecom is a carrier-neutral telecom hotel located in the heart of Denver. Adjacent to CenturyLink, AT&T, and Denver Main, 910Telecom offers connectivity to all major carriers, Internet service providers, Internet backbones and ...
Big Data, cloud, analytics, contextual information, wearable tech, sensors, mobility, and WebRTC: together, these advances have created a perfect storm of technologies that are disrupting and transforming classic communications models and ecosystems. In his session at @ThingsExpo, Erik Perotti, Senior Manager of New Ventures on Plantronics’ Innovation team, provided an overview of this technological shift, including associated business and consumer communications impacts, and opportunities it ...
SYS-CON Events announced today that Venafi, the Immune System for the Internet™ and the leading provider of Next Generation Trust Protection, will exhibit at @DevOpsSummit at 19th International Cloud Expo, which will take place on November 1–3, 2016, at the Santa Clara Convention Center in Santa Clara, CA. Venafi is the Immune System for the Internet™ that protects the foundation of all cybersecurity – cryptographic keys and digital certificates – so they can’t be misused by bad guys in attacks...
It’s 2016: buildings are smart, connected and the IoT is fundamentally altering how control and operating systems work and speak to each other. Platforms across the enterprise are networked via inexpensive sensors to collect massive amounts of data for analytics, information management, and insights that can be used to continuously improve operations. In his session at @ThingsExpo, Brian Chemel, Co-Founder and CTO of Digital Lumens, will explore: The benefits sensor-networked systems bring to ...
Manufacturers are embracing the Industrial Internet the same way consumers are leveraging Fitbits – to improve overall health and wellness. Both can provide consistent measurement, visibility, and suggest performance improvements customized to help reach goals. Fitbit users can view real-time data and make adjustments to increase their activity. In his session at @ThingsExpo, Mark Bernardo Professional Services Leader, Americas, at GE Digital, discussed how leveraging the Industrial Internet a...
There will be new vendors providing applications, middleware, and connected devices to support the thriving IoT ecosystem. This essentially means that electronic device manufacturers will also be in the software business. Many will be new to building embedded software or robust software. This creates an increased importance on software quality, particularly within the Industrial Internet of Things where business-critical applications are becoming dependent on products controlled by software. Qua...
In addition to all the benefits, IoT is also bringing new kind of customer experience challenges - cars that unlock themselves, thermostats turning houses into saunas and baby video monitors broadcasting over the internet. This list can only increase because while IoT services should be intuitive and simple to use, the delivery ecosystem is a myriad of potential problems as IoT explodes complexity. So finding a performance issue is like finding the proverbial needle in the haystack.
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, Digital Transformation, 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 opportuni...