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Article | REF: H3580 V1

Security of NFC mobile payment

Authors: Bertrand PLADEAU, Ahmad SAIF

Publication date: April 10, 2013

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3. Types of contactless payment

Here, we describe the technical models most widely used in Europe and North America.

3.1 Telecom operators' technical model

For a customer, subscribing to a mobile payment service means downloading an application from an online application store (Google Play, Windows Phone Store, specific Wallet, etc.). This application is responsible for configuring the phone to make it ready for payment. It's important that the use cases for NFC differ as little as possible from user habits. Users don't need to know the technical architecture of their solution (figure 3 ), just as they don't know the architecture of bankcards today. Their only objective is to have...

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