Mobile Payments Building the NFC Ecosystem

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1 Mobile Payments Smart Card Alliance / NFC Forum Joint Workshop Building the NFC Ecosystem 2010 Smart Card Alliance Annual Conference Peter Preuss Nokia Chairman, NFC Forum Marketing Committee

2 Cooperation is Key to Success NFC is seen as a complex ecosystem when it comes to payment and ticketing New services New opportunities Intersection of multiple industries prime example for horizontal convergence NFC deployment will be service driven, not a technology push. Building the NFC ecosystem for payment and ticketing requires cooperation among the stakeholders. NFC outside payment and ticketing is less complex. 2

3 The NFC Ecosystem Seems Broad and Complex 3

4 NFC Core Applications Data transfer between devices NFC Connect Access info on-themove Battery-less tags NFC Access Set up wireless home office connections Access buildings and events Touch your camera to a printer to print Read smart posters Share business cards Mobile Payment and Ticketing Secure applications in combination with Smart Card Technology NFC Transactions Pay for goods and services Buy transit tickets, and access trains, planes, etc. 4

5 The Players to Set Up a Payment Service Those directly involved in the system's technical support and development usually include: A systems integrator to oversee a smooth installation and provide overall technical coordination A customized software provider to upgrade existing infrastructure and include security key management A personalization entity to provide the initial application and any personal security required A handset manufacturer to provide NFC-enabled phones and a distributor to sell or rent out the phones Tag manufacturers to provide NFC Forum-compliant smart tags for posters Internet service providers to build and maintain the applications that provide pertinent consumer information over the air to the NFC-enabled phones 5

6 The Players to Set Up a Payment Service (continued) Those directly involved in the system's technical support and development will usually include: A Mobile Network provider to ensure effective communications between devices and their supporting infrastructure. They will also often be the provider of the USIM on the NFC-enabled phone. SIM manufacturers to provide the needed SIM cards to store ticket applications A Trusted Service Manager (TSM) to control security of the applications, data files, and associated security keys that have been downloaded to the secure element on the NFC-enabled phone An over-the-air service provider to download tickets, pay-as-you-go stored value, new applications, etc. (most often the mobile operator or TSM) A reader manufacturer/distributor to ensure that any existing contactless infrastructure is ready to interface with NFC-enabled phones and that, where appropriate, NFC functionality is added to these readers 6

7 Non-Technical Players to Set Up a Payment Service Outside of the technical implementation, other entities that may be included in any NFC project include: Advertising agencies to plan smart poster promotions and educate consumers about the new services available Payment card schemes and issuing banks that will supply the contactless applications and supporting systems for NFC payments Vending machine makers that may need to upgrade readers to accept contactless payments Others who also accept payment via an NFC-enabled phone and may participate in joint promotions 7

8 Beyond Payment Proximity payment is one method of NFC interaction. NFC usage needs to be part of a wider set of services within the banking and retail sectors: Remote and proximity payments / money transfer Payment at POS, payment at gates, payment via direct debit, payment by identification Information services Payment is the last step of a purchase experience driven by information services, loyalty, and advertising Other applications and uses of NFC will help build the consumer and business experience faster for payment Other devices using NFC besides mobile phones will also help drive adoption 8

9 NFC Core Applications Data transfer between devices NFC Connect Access info on-themove Battery-less tags NFC Access Set up wireless home office connections Access buildings and events Touch your camera to a printer to print Read smart posters Share business cards Mobile Payment and Ticketing Secure applications in combination with Smart Card Technology NFC Transactions Pay for goods and services Buy transit tickets, and access trains, planes, etc. 9

10 The Players in an NFC Service without Payment and Ticketing Those directly involved in the system's technical support and development will usually include: A systems integrator to oversee a smooth installation and provide overall technical coordination (if needed) A handset manufacturer to provide NFC-enabled phones and a distributor to sell or rent out the phones Tag manufacturers to provide NFC Forum-compliant smart tags for posters Internet service providers to build and maintain the applications that provide pertinent consumer information over the air to the NFC-enabled phones Advertising agencies to plan smart poster promotions and educate consumers about the new services available 10

11 NFC Grows from Two Sides NFC without Secure Element NFC Connect NFC Access Simple implementation Simple value chain No separate secure element needed Creates stickiness and business value NFC grows from both directions! Payment Ticke-ng NFC with Secure Element Enables new partnerships Potential for new revenue streams Separate secure element required Application management needed 11

12 Join Us! Questions? 12

13 Peter Preuss Chairman, NFC Forum Marketing Committee

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