NFC beyond payment – Bill & Ted’s NFC adventure
David Worthington - Principal Consultant Payment & Chip Technology
Currently, the hype around near field communication (NFC) is largely centred on mobile wallets and other payment applications, yet the technology is capable of offering much more to consumers’ daily lives.
Let’s consider a scenario – old friends are meeting for a drink.
Bill is in London on a business trip and is staying at a hotel in the centre of town. He has pre-booked his hotel online, receiving his digital room key over-the-air to his NFC enabled smartphone.
Upon arriving at the hotel, he taps his phone on the terminal at the front desk to check in and heads for his room, tapping his mobile phone on the reader to unlock the room.
Ted leaves work and sets off to meet Bill at his hotel for a drink. He buys a newspaper on the way to the train station, making a low value NFC contactless payment in seconds.
When he arrives at the train station Ted taps his NFC smartphone – with his ITSO ticket stored on it – on the turnstile to gain access to the platform and travel into town.
The pair meet for drinks in the hotel bar to catch up on old times. At the end of the evening, Bill taps his phone on the point of sale terminal to transfer the bill to his room.
Ted uses an application, such as PayPal Bump, to transfer money via NFC directly to Bill’s account by touching the two handsets together in order to split the bill.
Ted had prepaid for his taxi online and walks outside to find the car waiting. On entering the taxi, holding his phone close to the contactless terminal acts as proof of presence and informs the driver that the fare has already been paid.
In the taxi, a smart-poster advertises a local pizza company. Tapping here redeems the deal and a voucher is sent to the handset; Ted orders and makes a secure EMV payment, all via the mobile phone.
Five minutes after arriving home, the pizza arrives and one tap on the delivery man’s mobile phone (configured as an NFC terminal) acts as proof of order. Dinner is served.
Bill and Ted have utilised NFC contactless payment, person-to-person payment, prepaid NFC ticketing, short range marketing and EMV certified remote mobile payment in this one example of an evening out.
Stakeholders from multiple markets, such as banks, mobile network operators, handset providers and service providers, will need to cooperate in order to deliver value added services.
This complex marketplace will rely on technology, from providers such as Bell ID, which enable trusted service managers to administer and control NFC technology.
2. Currently, the hype around near field communication
(NFC) is largely centred on mobile wallets and other
payments applications, yet the technology is capable of
offering much more to consumers’ daily lives.
Let’s consider a scenario - old friends meet for a drink.
NFC beyond payment -
Bill & Ted’s NFC adventure
3. Bill is in London on a business
trip and is staying at a hotel
in the centre of town. He has
pre-booked his hotel online,
receiving his digital room key
over-the-air to his NFC enabled
smartphone.
4. Upon arriving at the hotel,
he taps his phone on
the terminal at the
front desk to check in
and heads for his room,
tapping his mobile
phone on the reader to
unlock the room.
5. Ted leaves work and sets off to meet
Bill at his hotel for a drink. He buys a
newspaper on the way to the train
station, making a low value NFC
contactless payment in seconds.
6. When he arrives at the train station Ted
taps his NFC smartphone - with his ITSO
ticket stored on it - on the turnstile to
gain access to the platform and travels
into town.
7. The pair meet for drinks in the hotel bar to
catch up on old times. At the end of the
evening, Bill taps his phone on the point-
of-sale to tranfer the bill to his room.
8. Ted uses an application, such as PayPal
Bump, to transfer money via NFC
directly to Bill’s account by touching the
two handsets together to split the bill.
9. Ted had prepaid for his taxi online and walks
outside to find the car waiting. On entering the taxi,
he holds his phone close to the contactless
terminal as proof of presence and informs the
driver that the fare has already been paid.
10. In the taxi, a smart-poster advertises a
pizza company. Tapping here redeems the
deal and a voucher is sent to the handset;
Bill orders and makes a secure EMV
payment, all via the mobile phone.
11. Five minutes after arriving home,
the pizza arrives and one tap on
the delivery man’s mobile phone
(configured as an NFC terminal)
acts as proof of delivery.
Dinner is served.
12. Bill and Ted have utilised NFC
access control, NFC contactless
payment, person-to-person
payment, prepaid NFC ticketing,
proximity marketing and EMV
certified remote mobile payment
in this one example of an evening out.
13. Stakeholders from multiple markets, such as banks,
mobile network operators, handset providers and service
providers, will need to as cooperate in order to
deliver value added services.
This complex marketplace will rely on technology, from
providers such as Bell ID, which enable trusted service
managers to administer and control NFC technology.
14. With over 20 years of expertise, Bell ID is considered the world’s leading provider of
lifecycle management solutions for tokens (e.g. smart cards, mobile NFC phones)
deployed in single and multi-application programmes.
www.bellid.com
David Worthington
Principal Consultant
Payment & Chip Technology
d.worthington@bellid.com
