4. Transaction and mobile architecture components

A contactless payment transaction with a cell phone is very similar to a payment with a contactless card, with a few differences:

a – cell phone with its – open security element can host several payment methods, so the user will have to make a choice;
the personal code must be entered on the cell phone keypad and not on the EFTPOS terminal (before or during the transaction);
an acknowledgement of the transaction is also displayed on the mobile's screen.

Apart from these few nuances, an NFC payment transaction breaks down as follows:

(1) – The Eftpos terminal initiates the process by searching for a payment method on its NFC interface;
(2) – the cell phone enters...

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Transaction and mobile architecture components

Bibliography

(1) - Commission Européenne - Livre vert : - Vers un marché européen intégré des paiements par carte, par internet et par téléphone mobile (2012).
(2) - Cabinet d'étude Juniper Research - Mobile Payments Strategies Report. - Août 2012....