Mobile Payment Markets: Contactless NFC 2008-2013

Glossary

• 1.1 Introduction
• 1.2 Market Trends
  • 1.2.1 Tellabs Interview
    • Figure 1.1: Tellabs Mobile Backhaul Solution
  • 1.2.2 Bango Interview
    • Figure 1.2: Bango Analytics User Data Snapshot
  • 1.3 Market Drivers and Constraints
    • Figure 1.3: Mobile Payments: Summary of Market Drivers & Constraints
  • 1.3.1 Drivers
    • i. User Demand
    • ii. Increase in ARPU
    • iii. Increase in Retail Basket Size
    • iv. Real Alternative to Cash
    • v. First-time Access to Payments for Many in the Developing World
    • vi. Lower Churn for Mobile Operators
    • vii. Increase in International Money Transfers to Developing Countries
    • viii. Increased Demand for Smartphones
    • ix. Quicker than Cash at Point of Sale (POS)
  • 1.3.2 Constraints
    • i. Availability of Capable Handsets
    • ii. User Experience
    • iii. Lack of Clear Business Model
    • iv. Resistance from Banks
    • v. Lack of Global Technology Standards
    • vi. Financial Regulations & Legislation
    • vii. Support Issues
    • viii. Transactions Costs for the Retailer

• 2.1 Introduction
• 2.2 Definition
  • Figure 2.1: mCommerce Payment Process
• 2.3 Segmentation
  • 2.3.1 Top level Segments
  • 2.3.2 Sub-segments
• 2.4 Classification of Payment Schemes
  • Table 2.1: Mobile Payment Classification
  • 2.4.1 Remote Mobile Payment
    • i. Mobile Phone Bill - “direct to bill” (D2B)Payment
    • ii. Premium Rate SMS(PRSMS) - Digital Goods
    • iii. Online-Payment for the Mobile Web & WAP Billing
    • iv. SMS Payment-Mobile Wallet and Account Based Payment
    • Figure 2.2:PayPal Mobile “Text To Buy”
    • v. Person-to-Person (P2P) Payment
    • vi. Remote Physical/ Mobile Web & WAP billing
  • 2.4.2 Point of Sale Mobile Payment
• 2.5 On Deck & Off Deck

• 3.1 Introduction
• 3.2 Text & PIN
  • 3.2.1 Introduction
  • 3.2.2 Drivers
  • 3.2.3 Constraints
  • 3.2.4 Applications & Services Examples
  • a. Vending machines
    • Figure 3.1: Mobile Payment Enabled Coca-Cola Vending Machine
    • Figure 3.3: Mobile Vending Transactions Growth
  • b. Car Parking
    • Figure 3.3: SMS Text Based Payment for Car Parking
    • Figure 3.4: TXT-a-Park™ In Operation in Wellington, New Zealand
  • c. Shopping
• 3.3 Bluetooth
  • 3.3.1 ROLLCO MM Interview
    • Figure 3.5 ROLLPAY solution

• 4.1 Introduction
• 4.2. Near Field Communication (NFC)
  • 4.2.1 Technology
    • Figure 4.1: Typical NFC Implementation
  • 4.2.2 Uses
    • Figure 4.2: Oyster Card Using MIFARE Technology
    • Figure 4.3: Uses of NFC
  • 4.2.3 Security
• 4.3 FeliCa
  • 4.3.1 Introduction
  • 4.3.2 Standards & Specification
    • Figure 4.4: Sony FeliCa IC Card and Reader/Writer
  • 4.3.3 Security
    • Figure 4.5: Sony FeliCa Security Features
    • Figure 4.6: FeliCa Networks Platform Management
    • Figure 4.7: Uses of FeliCa
• 4.4 Contactless Drivers
  • 4.4.1 Efficient Transactions
  • 4.4.2 Infrastructure Availability
  • 4.4.3 Success Stories
  • 4.4.4 Future Service Enhancements
• 4.5 Contactless Constraints
  • 4.5.1 Business Model
  • 4.5.2 Where are the Handsets?
  • 4.5.3 Ecosystem Incentivisation
• 4.6 Applications and Services Examples
  • 4.6.1 Global
    • i. GSM Association Interview
      • Figure 4.8: PBM Purchasing Process
      • Figure 4.9: PBM Ecosystem
  • 4.6.2 North America
    • Figure 4.10: Contactless Acceptance at U.S. Merchants-June 30, 2007
    • Figure 4.11: Visa pay Wave Payment Options
  • 4.6.3 Western Europe
    • i. Overview
      • Figure 4.12: mobilkom Austria: Buying Train Tickets
    • ii. Logica Interview
    • iii. O2 UK Interview
      • London Fashion Week February 2008
      • O2 Wireless Festival 2007
    • iv. Italy
    • v. France
    • vi. Western Europe: Norway
  • 4.6.4 Far East & China
    • i. NTT DoCoMo
      • Figure 4.12: NTT DoCoMo Osaifu-Keitai e-wallet Handset Services
    • ii. SK Telecom
  • 4.6.5 Rest of Asia Pacific
  • 4.6.6 Africa and Middle East

• 5.1 Innovision Interview
  • Figure 5.1: Topaz Tag
• 5.2 NXP Interview
• 5.3 INSIDE Contactless Interview
• 5.4 Vivotech Interview
  • Figure 5.2: NFC-enabled Nokia 3220 Making a Contactless Transaction

• 6.1 Introduction
• 6.2 Methodology
  • 6.2.1 Approach and Assumptions
  • 6.2.2 Geographical Splits
• 6.3 Mobile Subscriber Forecast
• 6.4 Mobile Device Shipment Forecast
  • Figure 6.3: Mobile Device Shipment (m) Regional Forecast Comparison 2008 & 2013
  • Figure 6.4: Mobile Device Forecast Mix Comparison (%) Split by Churn & Growth 2008 & 2013
• 6.5 NFC Device Shipment Forecast
  • Figure 6.5: NFC Devices (% of what Shipments) Regional Forecast 2008-2013
  • Table 6.3: NFC Devices (% of What Shipments) Regional Forecast 2008-2013
  • Figure 6.6: NFC Device Shipment Forecast (m) Regional Forecast 2008-2013
  • Table 6.4: NFC Device Shipment Forecast (m) Regional Forecast 2008-2013
  • Figure 6.7: Total Number of Mobile Users (m) Having NFC Devices Regional Forecast 2008-2013
  • Table 6.5: Total Number of Mobile Users (m) Having NFC Devices Regional Forecast 2008-2013
• 6.6 NFC Devices in Use for Payments
  • Figure 6.8: % of NFC Phones In Use For Payments Regional Forecast 2008-2013
  • Table 6.6: % of NFC Phones In Use For Payments Regional Forecast 2008-2013
  • Figure 6.8: NFC Phones In Use For Payments (m) Regional Forecast 2008-2013
  • Table 6.7: NFC Phones In Use For Payments (m) Regional Forecast 2008-2013
  • Figure 6.9: NFC Phones In Use For Payments: Regional Comparison 2008 & 2013 (% )
  • Figure 6.10: NFC Phones In Use For Payments as % of All Mobile Users. Regional Forecast 2008-2013
  • Table 6.8: NFC Phones In Use For Payments as % of All Mobile Users. Regional Forecast 2008-2013
• 6.7 NFC Transactions Traffic
  • Figure 6.11: Average number of NFC transactions per user p.a. Regional Forecast 2008-2013
  • Table 6.9: Average number of NFC transactions per user p.a. Regional Forecast 2008-2013
  • Figure 6.12: Total Number of NFC Transactions (m) p.a. Regional Forecast 2008-2013
  • Table 6.10: Total Number of NFC Transactions (m) p.a. Regional Forecast 2008-2013
• 6.8 NFC Transaction Value
  • Figure 6.13: Average Value of NFC Transactions ($) Regional Forecast 2008-2013
  • Table 6.11: Average Value of NFC Transactions ($) Regional Forecast 2008-2013
  • Figure 6.14: Total Value of NFC Transactions ($m) Regional Forecast 2008-2013
  • Table 6.12: Total Value of NFC Transactions ($m) Regional Forecast 2008-2013
  • Figure 6.15: Average Value of NFC Transactions per User ($) p.a. Regional Forecast 2008-2013
  • Table 6.13: Average Value of NFC Transactions ($) per User p.a. Regional Forecast 2008-2013

• 7.1 Introduction
  • 7.1.1 Who is Doing What?
    • Table 7.1: Overview of Selected Forum Activity
• 7.2 ETSI
  • 7.2.1 Members
• 7.3 The GSM Association
  • 7.3.1 Pay-Buy-Mobile
  • 7.3.2 Mobile Money Transfer
  • 7.3.3 Members
• 7.4 International Organisation for Standards (ISO)
  • 7.4.1 Members
• 7.5 Mobey Forum
  • 7.5.1 Members
• 7.6 Mobile Payment Forum
  • 7.6.1 Members
• 7.7 NFC Forum
  • 7.7.1 Members
• 7.8 Open Mobile Alliance (OMA )
  • 7.8.1 Members
• 7.9 EMVCo
• 7.10 European Payments Council
• 7.11 Smart C ard Alliance
  • 7.11.1 Members
• 7.12 Further Organisations