1. NFC and mobile commerce applications
Vincent Lee
Tranz Technologies
Taipei, Taiwan

2. What is NFC, in plain words?
Try to answer an 8-year-old girl’s question…
“NFC is a way to exchange messages in a very short distance over the air. Just like you use the mobile phone to pay bus fares and buy candies at the convenient store.”
(not just for the payment, I know)
Of course I didn’t mention “EM”, “Data”, “Security” or any “Technology” terms

3. Why are you using NFC?
“NFC makes my life easier and happier.” “Are you still happy while NFC flies your money to other people, over the air?” “Well,… at least NFC simplifies the process to ease my mind.”

4. NFC use modes Reader/Tag Mode Peer-to-peer Mode Card Emulation Mode
Informational and promotional applications
RFID-like applications, AutoIDs, track and trace
Peer-to-peer Mode
Devices connecting, data sharing
Card Emulation Mode
Secure transaction, payment applications

5. Reader/Tag Mode Information and promotion for consumers
Product descriptions
Service instructions
Boutique authentications
Smart posters
Dosage directions

6. Reader/Tag Mode Track and trace for business checkpoints Manufacturing
Picking
Packing
Shipping
Receiving
Racking
more…

7. Peer-to-peer Mode All about “Data transfer”
(NFC data transfer rate at 424 kb/s, seems a bit slow. However,…)
NFC can “handover” to faster protocols.
NFC can do the “connect” work (device pairing)
and let Bluetooth
or WiFi Direct do
the “transfer” work.

8. Peer-to-peer Mode Content sharing Audio streaming CE connecting texts
files
multimedia
Audio streaming
headset, speakers
CE connecting
Pairing NFC Devices
–Home computer components
–In-car devices
–Home entertainment systems
–Headsets and handsets
–Cameras and printers / digital frames
Connectivity
–Quick and secure Bluetooth and Wi-Fi set-up
–Fast data transfer
–Audio handover
Information Gathering
–Read product history from smart tag to NFC phone

9. Card Emulation Mode Payment via “Contactless” way, just like those
Smart Cards
A virtual smart card embedded in an NFC phone
Source: IEEE website

10. Card Emulation Mode Pay with “Google Wallet” use Users also can store
Selected credit card
Prepaid deposit
Users also can store
Loyalty cards
Gift cards
Source: Google website

11. Security and Privacy Hardware level Software level System level
Secure Element (SE), Encryption on tags
Software level
Tag filtering, Authentication, authorization
System level
Follow all about computer and network security issues

12. What paves the NFC road? Standards and Specifications
Device interface, data exchange, security and others
Device availability
phones, tablets, terminals and others
Internet connectivity
3G/4G, and WiFi
Commercial solutions
Customer demands, Business workflows

13. NFC Standard bodies NFC Forum ISO/ECMA GSMA
ISO/IEC / ECMA-340 / NFCIP-1
ISO/IEC / ECMA-352 / NFCIP-2
GSMA
Testing standards for global interoperability of NFC 
NFC Forum
Data exchange format (NDEF)
Tag standards
Record Type Definitions
Protocols and more

14. NFC Standard bodies for payment
ETSI / SCP (Smart Card Platform)
Specify the interface between the SIM card and the NFC chipset.
GlobalPlatform
Specify a multi-application architecture of the secure element.
EMVCo
Manages the EMV® Integrated Circuit Card Specifications
GlobalPlatform is an independent, not-for-profit organization concerned with a standardized infrastructure for development, deployment and management of smart cards. It was founded in 1999 to take responsibility for Visa Inc.'s Open Platformspecification.
EMV stands for Europay, MasterCard and Visa, a global standard for inter-operation ofintegrated circuit cards (IC cards or "chip cards") and IC card capable point of sale(POS) terminals and automated teller machines (ATMs), for authenticating credit anddebit card transactions.

15. NFC Application Area Non-payment  Advertising  Consumer Electronics
 Gaming
 Healthcare and wellness
 Hospitality
 Retail (POS tag reading)
 Social media
Check-in, source: Foursquare website

16. Mobile commerce coming!
Thanks to the internet, we have
E-Commerce
Thanks to the smart mobiles, we have
M-Commerce

17. What makes NFC booming? Go Smart Mobiles! NFC makes mobile commerce
Use Intuitively
Process Simply
Transactions more Secure
NFC do right things right at little risk!

18. Imaging consumers have their own readers…
Hmm, any
good jacket
suits my shirt
style? Let’s see…
30% Off!!
Limit offer
till this weekend
Size: L
Color: Green
Materials
Manufactured:
Laundry instr.: …
They want to know more!

19. NFC integrates with sensor
Smart Packaging
NFC integrated with temperate sensor
Opus One Wine
Tag provider: eProvenance
Collect and log temperature data
from a producer to the consumer
Use an NFC phone owners can
track their wine's history
Source: NFC Forum

20. Opus One Wines and eProvenance
Package tracking
Authentication (anti-counterfeit)
Content identification
Temperature exposure log
Source: NFC Forum

21. NFC Challenges Extra costs Few users Doubts from business NFC devices
NFC tags
NFC applications (plus software and system)
All internal efforts (workflows, staff trainings, use habits…)
Few users

22. NFC Challenges NFC is necessary, or just fancy?
Questions from the user point of view
NFC is necessary, or just fancy?
QR code (or 1-d barcode) will do
No killer apps
NFC devices are not enough?
My friends don’t have yet (iPhone is a big issue)
Many stores haven’t support yet
NFC payment is really better and secure?
Will they charge me extra transaction fee?
What if I switch the phone?

23. NFC and QR Code *Application filters can be programmed
** For standard NFC applications (Text and Smart Poster)

24. NFC applications in Taiwan
Non-Payment applications
Access of Entrances
For business locations and exhibitions
Smart posters
For products and services
Track and trace
For mobile workers
Source: Nokia Taiwan website

25. NFC applications in Taiwan
Payment application
Chunghwa Telecom teams up with MasterCard and banks to provide NFC payment starting at the end of Pilot program is running currently.
Source: Chunghwa Telecom website

26. NFC Payment for iPhone And other NFC applications Payment application
Coupon application
Taxi service application
Bizcard exchange application
Source: Taishin Bank website

27. NFC Application: N5
Vision
Idea
Mobile Intelligent Marketing
Make your products to live Ads
Turn your customer into sales
INTELLIGENCE, IDENTIFICATION, INTERACTION, INNOVATION with NFC

28. Have that experience? Remember? There must be a simple way!!
Hey, nice T-Shirt!
Where did you buy this?
Hmm… this… where… seems…
Beats me!

29. Product can have an ID card!
Customers are able to interact with the products attached N5 tags with NFC phones.
Hey, nice T-shirt! Where did you buy it?
Read the tag with your NFC phone and you will know it!
Product description: xxxxxx
Nearest store: yyyyyyy
Limited discount: zzzzzzz
…….Buy it now…..

30. Customer can have rewards!
Customers turn into virtual sales. With the “NFC-Referrals”, they will automatically be rewarded!
Absolutely!
you are our VIP. Let me get you rewards.
I have referred friends for your store. check for me, please…
Referrals List
John Doe
Rose Mary
Vincent Lee …
(more)

31. Customers find more sellers!
What N5 will do?
N5 app
Commerce
Portals
N5 tags
Sellers
　Sellers find more customers, and
　　　Customers find more sellers!
Backend

32. Thank you very much Tranz Technologies, Inc. Vincent Lee
(886)
Tranz Technologies, Inc.