Portal de Periódicos da CAPES

NFC Payment Architecture

2017; IGI Global; Linguagem: Inglês

10.4018/978-1-5225-2306-2.ch002

2327-5685

User Authentication and Security Systems

A main challenge in NFC payment is to make it possible for different actors to interact and coordinate with one another for proper functioning. This requires meeting the standards given by standard organizations which includes infrastructure for networks, different hardware's, software's, communication protocols. Challenges include trust, security, commitment and interoperability. This chapter gives the insight about the working and functioning among different actors making it convenient to understand the entire concept. From the users point of view mobile devices play the role of credit card. Mobile device manufacturers include only NFC chip and the antenna to their mobile device. SE is stored to SIM or UICC. MIDlet on customer's mobile device simulates contactless smart card mode so that POS terminal manufacturers need not to make new terminals equipped with NFC chip reader. Bank authorities need to have added responsibilities of authenticating. Since the architecture has MNO's and bank as important players both get multi-application NFC SE stored in SIM or UICC.