Near Field Communications - the future of m-payments? An analysis and forecast for NFC applications and markets 2009-2014

Table of Contents

1. Executive summary

• E1. NFC - future of m-payments? - an analysis and forecast of NFC applications and markets, 2009-2014
• E2. Applications of NFC and its potential markets
• E3. NFC commercial launch: an opportunity in waiting
• E4. The scope of this report - an overview of each chapter
• E5. NFC future growth trends

1. M-payment technologies

• 1.1. M-payments
• 1.2. Phone call types of m-payment
• 1.3. SMS payment technology
• 1.4. Mobile browsing payment technologies
  • 1.4.1. WAP (wireless application protocol)
  • 1.4.2. Java MIDP (mobile information device profile)
• 1.5. Mobile payment services technologies
  • 1.5.1. Bluetooth
  • 1.5.2. IrDA (infrared data association)
  • 1.5.3. FeliCa (felicity card)
  • 1.5.4. Barcode scanning
  • 1.5.5. MobileWallet - the card in phone technologies
• 1.6. SIM related m-payment technologies
  • 1.6.1. RFID (radio frequency identification)
  • 1.6.2. NFC (near field communication)

2. NFC- an introduction

• 2.1.What is NFC?
• 2.2.How the technology works?
• 2.3.The technological aspect of NFC: what does it evolve around?
• 2.4.NFC vs Bluetooth
• 2.5.NFC vs Biometrics
• 2.6.The NFC services: an overview
• 2.7.NFC in m-payments
• 2.8.NFC ecosystem
  • 2.8.1.NFC ecosystem: entrepreneurs and developers
  • 2.8.2.Merchants and services providers
  • 2.8.3.Mobile telephone operators
  • 2.8.4.The consumers

3. NFC on mobile phone

• 3.1. NFC mobile services
  • 3.1.1. Positioning and functionality of NFC on mobile devices
• 3.2. NFC services on mobile phone
  • 3.2.1. Interactivity
  • 3.2.2. Report multi-application management
  • 3.2.3. Remote user management
• 3.3. Areas of NFC mobile phone applications
  • 3.3.1. NFC services: transport and travelling
    • 3.3.1.1. Access, ticketing, activiation and legitimacy
    • 3.3.1.2. Boarding and alighting
    • 3.3.1.3. Tickets purchase and top-ups
    • 3.3.1.4. Access toinformation and location-based services
  • 3.3.2. NFC in retail sector
    • 3.3.2.1. Payment for access to products and services
    • 3.3.2.2. Security, validation and identification
    • 3.3.2.3. Offers, packages and discounts
  • 3.3.3. NFC mobile couponing
• 3.4. NFC mobile ecosystem - a new market place?
  • 3.4.1. Modeling NFC mobile ecosystem
    • 3.4.1.1. NFC mobile ecosystem: service provisioning
    • 3.4.1.2. Mobile network provision
    • 3.4.1.3. Trusted service manager
• 3.5. Key players in NFC mobile ecosystem
  • 3.5.1. Customers/end-users
  • 3.5.2. Chipset manufacturers
  • 3.5.3. Mobile handset manufacturers
  • 3.5.4. Component and tag manufacturers
• 3.6. Building successful NFC mobile ecosystem
  • 3.6.1. Building NFC mobile system: MNOs
  • 3.6.2. Service providers
• 3.7. NFC mobile framework
  • 3.7.1. Functionalities of NFC mobile phones
    • 3.7.1.1. Application execution environment
    • 3.7.1.2. Trusted execution environment
    • 3.7.1.3. NFC stacks and controller
  • 3.7.2. NFC mobile phone back-end server system
  • 3.7.3. NFC Target
• 3.8. NFC-equipped mobile phones and devices
  • 3.8.1. GSMA for more NFC mobile phones

4. NFC applications and markets

• 4.1. NFC applications
• 4.2. Potential key areas of initial applications of NFC
  • 4.2.1. P2P (pee-to-peer)
    • 4.2.1.1. Active mode of communication
    • 4.2.1.3. P2P applications - the Hagenberg study
  • 4.2.2. NFC as service initiator
  • 4.2.3. NFC application in m-payments
• 4.3. NFC smar poster
• 4.4. SMS application
• 4.5. NFC in Bluetooth pairing
• 4.6. NFC markets
  • 4.6.1. NFC-led m-payments
  • 4.6.2. M-marketing,advertising and location-based services
  • 4.6.3. Connectivity
  • 4.6.4. NFC in maximising other platforms and devices
• 4.7. NFC in healthcare and medical services
  • 4.7.1. Potential NFC applications in healthcare
  • 4.7.2. NFC in biomedicine and telemedicine
    • 4.7.2.1. The field of wearable sensors
    • 4.7.2.2. The field of implanted medical sensors
    • 4.7.2.3. The field of implanted stimulators
    • 4.7.2.4. The field of implanted actuators
  • 4.7.3. NFC in healthcare and safety concerns
    • 4.7.3.1. What about interference robustness?
• 4.8. NFC in education

5. NFC - a case for m-payments

• 5.1. NFC-led m-payments
• 5.2. Potential m-payment applications and markets for NFC
• 5.3. GSMA NFC ‘pay-buy-mobile' project
  • 5.3.1. Pay-buy-mobile initiative: GSMA' s global projects
  • 5.3.2. GSMA' s collaboration with EU payments council
  • 5.3.3. GSMA backs NFC standards adoption
  • 5.3.4. GSMA for more NFC-enabled handsets
• 5.4. NFC m-payment applications and consumer markets
  • 5.4.1. Digital media content access
  • 5.4.2. M-ticketing: transport, sports and social events
  • 5.4.3. Retail sector
  • 5.4.4. Information services
• 5.5. M-banking
  • 5.5.1. NFC-led m-banking - a case study from Citibank
  • 5.5.2. NFC-led m-banking: the Barclays leads in UK
    • 5.5.2.1. Barclays contactless card
    • 5.5.2.2. Barclays ‘wave and pay' for London cabs
    • 5.5.2.3. Barclays' stake in NFC London trial
  • 5.5.3. The Australian NFC-led m-banking trials
• 5.6. NFC in mWallet - the card in phone technology
  • 5.6.1. VISA' s m-payment initiative
  • 5.6.1. VISA' s m-payment solutions for Nokia and Google
• 5.7. NFC and MasterCard' s m-payment programme
  • 5.7.1. MasterCard PayPass: how it works
• 5.8. NFC in m-remittance and funds disbursement

6. NFC: development, standardisation and security

• 6.1. NFC since approval as an ISO/IEC standard
• 6.2. NFC protocols
  • 6.2.1. Passive communication mode
  • 6.2.2. Active communication mode
  • 6.2.3. ISO 14443 Type A Mifare
  • 6.2.4. ISO 14443 Type B
  • 6.2.5. Felica
  • 6.2.6. ISO 15693
  • 6.2.7. Contactless Reader/validator
  • 6.2.8. Contactless cards
  • 6.2.9. Contactless mobile phones
• 6.3. NFC specifications
  • 6.3.1. Data Exchange Format Technical Specification
  • 6.3.1. Record Type Definition Technical Specifications
  • 6.3.2. NFC Text RTD Technical Specification
  • 6.3.3. NFC URI RTD Technical Specification
  • 6.3.4. NFC Smart Poster RTD Technical Specification
  • 6.3.5. NFC Generic Control RTD Technical Specification
• 6.4. Reference application technical specifications
  • 6.4.1. NFC Forum Connection Handover Technical Specification
  • 6.4.2. NFC Forum tag type technical specifications
  • 6.4.3. NFC Forum type 1 tag operation specification
  • 6.4.4. NFC Forum type 2 tag operation specification
  • 6.4.5. NFC Forum type 3 tag operation specification
  • 6.4.6. NFC Forum type 4 tag operation specification
• 6.5. NFC development and standardisation bodies
  • 6.5.1. NFC development - Nokia takes the lead
  • 6.5.2. NFC Forum
  • 6.5.3. The GSM Association
  • 6.5.4. GSMA' s NFC mobile initiative
  • 6.5.5. StoLPaN - the European NFC programme
  • 6.5.6. The European Telecommunications Standards Institute
  • 6.5.6. The GlobalPlatform
  • 6.5.7. EMV protocol in NFC
  • 6.5.8. SmartCard Alliance adopts NFC
• 6.6 NFC security: threats and recommended solutions
  • 6.6.1. Eavesdropping
  • 6.6.2. Data corruption
  • 6.6.3. Data modification
  • 6.6.4. Data insertion
  • 6.6.5. Man-in-the-middle-attack
  • 6.6.6. Secure channel for NFC
  • 6.6.7. NFC specific key agreement

7. NFC trials and consumer surveys

• 7.1 Trials by GSMA under ‘pay-buy-mobile' initiative
  • 7.1.1. GSMA initiative: trials in pipeline
• 7.2. NFC trials in UK
  • 7.2.1. O2 NFC trial
  • 7.2.3. NFC-enabled SIMs for UK soccer club
  • 7.2.4. O2 NFC wristband at music festival
  • 7.2.5. M-tickets on London buses
  • 7.2.6. Consumer survey by Aberdeen Group
  • 7.2.7. Ingenico trial in UK, Ireland
  • 7.2.8. O2 test beds for NFC
  • 7.2.9. NFC at London Olympics
  • 7.2.10. MasterCard PayPass in UK
  • 7.2.11. RFID-led luggage tracking
  • 7.2.12. Barclays' ‘wave-and-pay' for London taxis
  • 7.2.13. VISA ' tap and go'
  • 7.2.14. Bath University NFC pilot
• 7.3. Trials in US
  • 7.3.1. Sprint' s BART NFC
  • 7.3.2. US NFC consumer survey
  • 7.3.3. Philips Arena trial in Atlanta
  • 7.3.4. ' WirelessWallet' consumer trial
  • 7.3.5. VISA' s coupon pilot in California
• 7.4. VISA' s NFC pilots
  • 7.4.1. VISA' s NFC pilot in Europe
  • 7.4.2. Visa trials in Brazil, Canada and Malaysia
  • 7.4.3. Visa credit card demo
  • 7.4.4. Nokia and VISA team up in Malaysia
• 7.5. M-ticketing trial in Austria
• 7.6. NFC services in Taiwan
• 7.7. Singapore' s NFC public trial
• 7.8. NFC payments in Amsterdam
• 7.9. French retailers NFC trials in 2009
• 7.10. Monaco launches NFC trials
• 7.11. NFC trial in Melbourne
• 7.12. ING and MasterCard trial in Romania
• 7.13. Italian ski NFC trial
• 7.14. NFC smart poster
• 7.15. NFC on buses in Germany

8. Latest developments on NFC

• 8.1. January 2009
  • 8.1.1. Barclays NFC debit cards
  • 8.1.2. Gemalto reader
• 8.2. December 2008
  • 8.2.1. Sagem-Orange SWP SIM card
  • 8.2.2. French NFC payments group
  • 8.2.3. NFC-compliant tags
• 8.3. November 2008
  • 8.3.1. Australian m-payment trial
  • 8.3.2. SIMalliance NFC working group
  • 8.3.3. ‘Over-the-counter' payment service
  • 8.3.4. SCM' s contactless, NFC reader
  • 8.4.5. GSMA for more NFC handsets
  • 8.4.6. NFC hotel room access
  • 8.4.7. ViVOtech NFC pilot
  • 8.4.8. Bell ID mobile payments
• 8.5. October 2008
  • 8.5.1. NFC interoperability
  • 8.5.2. MasterCard OTA service
  • 8.5.3. FeliCa in North America
  • 8.5.4. NFC to mass market
  • 8.5.5. Turkey NFC trial
  • 8.5.6. NFC payments at theatres
  • 8.5.7. NFC showcased
  • 8.5.8. Oyster could be replaced
  • 8.5.9. CPI, INSIDE payment stickers
  • 8.5.10. Consumer NFC adoption
  • 8.5.11. BART NFC trial
• 8.6. September 2008
  • 8.6.1. AIRTAG NFC solution
  • 8.6.2. Visa m-payments services on Google, Nokia
  • 8.6.3. Smart Card Alliance' s includes m-payments
  • 8.6.4. NFC pilot in Switzerland
  • 8.6.5. Telecom Italia and Mastercard team up
  • 8.6.6. Alcatel-Lucent' s Tikitag
  • 8.6.7. Visa' s four new mobile payment programmes
  • 8.6.8. London NFC trial
• 8.7. August 2008
  • 8.7.1. Telstra' s NFC testing
  • 8.7.2. NFC-enabled SIM card interoperability
  • 8.7.3. Global FeliCa adoption
  • 8.7.4. NFC trial in Singapore
• 8.8. July 2008
  • 8.8.1. Innovision, Sasken partner for NFC
  • 8.8.2. Collaboration model on NFC deployments
  • 8.8.3. New specifications for NFC devices
  • 8.8.4. Co-operation on global payment system
• 8.9. June 2008
  • 8.9.1. NFC in healthcare
  • 8.9.2. StarHub mWallet pilot
  • 8.9.3. M-ticketing in Germany
  • 8.9.4. Blaze NFC
  • 8.9.5. Gemalto updates 53 million phones
  • 8.9.6. NFC pilot in UAE
  • 8.9.7. Innovision NFC tags
  • 8.9.8. Sony deal for FeliCa
• 8.10 May 2008
  • 8.10.1. MasterCard Canada NFC experiment
  • 8.10.2. NFC in Italy
  • 8.10.3. McDonald' s e-coupons in Japan
  • 8.10.4. Collis new NFC chip
  • 8.10.5. GPS/GSM-based toll system
  • 8.10.6. Mifare for NFC apps
• 8.11 April 2008
  • 8.11.1. DnB Nor-Telenor m-payments unit
  • 8.11.2. ViVOpay contactless payments
  • 8.11.3. M-payments in Western Europe
  • 8.11.4. Speakers with NFC
  • 8.11.5. Nokia 6212 Classic
  • 8.11.6. Maxis NFC technology
  • 8.11.7. SCM Microsystems ‘NFC dongle'
  • 8.11.8. NFC in pension distribution
  • 8.11.9. Indonesia looking at NFC
• 8.12. March 2008
  • 8.12.1. Citigroup NFC phone
  • 8.12.2. New SoC solution
  • 8.12.3. Microsoft, Sirit partner on NFC
  • 8.12.4. Citi-SK Telecom m-commerce venture
  • 8.12.5. LEGIC card-in-card solutions
• 8.13. February 2008
  • 8.13.1. NFC system on chip solution
  • 8.13.2. NFC Wi-Fi networks protection
  • 8.13.3. NFC at London Fashion Week
  • 8.13.4. BlueSky' s AGPS-SIM card
  • 8.13.5. Multi-standard NFC chip
  • 8.13.6. SIM-based m-payment
  • 8.13.7. Real time employee tracking
• 8.14. January 2008
  • 8.14.1. NFC trial in Washington
  • 8.14.2. BBC named NFC top tech for 2008
  • 8.14.3. Sony unveils TransferJet

9. Views, quotes and useful leads

• 9.1. Mohammad Khan, President, ViVOtech Inc
• 9.2. Rob Conway, CEO GSMA
• 9.3. Peter Ayliffe, CEO of Visa Europe
• 9.4. Shuan Ghaidan, Head of Product Sales and Delivery, Asia/Pacific MasterCard
• 9.5. Mark Collins, VP of Consumer Data Services at AT&T Mobility
• 9.6. Mung-Ki Woo of Orange, VP Payment and Contactless
• 9.7. Sol Trujillo, CEO of Telstra
• 9.8. Important leads

10. Conclusion and forecasts

• 10.1 NFC progresses steadily since launch
• 10.2. Evidence of NFC' s industrial adoptability
  • 10.2.1. Development and standardisation
  • 10.2.2. Industrial projects and consumer surveys
  • 10.2.3. Growth in strength and scope of NFC Forum
  • 10.2.4. NFC development efforts at GSMA platform
  • 10.2.5. Efforts by other institutions
• 10.3. Factors for NFC popularity among stakeholders
  • 10.3.1.The success in consumers' trials and surveys
  • 10.3.2. The element of convenience
  • 10.3.3. Time-and-cost effectiveness
  • 10.3.4. Support to existing infrastructure
  • 10.3.5. Ability to interact with other technologies
  • 10.3.6. Potential for growth in m-payments
• 10.4. Where NFC is positioned now
  • 10.4.1. NFC from trials phase to production phase
  • 10.4.2. NFC potential to reaching the critical mass
• 10.5. NFC adoption: opportunities, benefits and drawbacks
  • 10.5.1. NFC adoption: opportunities for stakeholders
    • 10.5.1.1. Payment-led opportunities
    • 10.5.1.2. Opportunities in healthcare
    • 10.5.1.3. Business-to-business opportunities
    • 10.5.1.4. Opportunities in other areas
  • 10.5.2. NFC adoption: benefits and drawbacks
    • 10.5.2.1. Benefits
      • 10.5.2.1.1. Consumer benefits
      • 10.5.2.1.2. Benefits to stakeholders
    • 10.5.2.2. Drawbacks or risks
• 10.6. NFC commercial launch: an opportunity in waiting
  • 10.6.1. NFC commercial launch: issues facing the technology and lessons to be learnt by industry
    • 10.6.1.1. Infrastructure
    • 10.6.1.2. NFC-enabled mobile phones
    • 10.6.1.3. Technical standards
    • 10.6.1.4. Co-ordination among vendors
    • 10.6.1.5. Security and safety
    • 10.6.1.6. Marketing of NFC-led solutions
• 10.7. Forecasts
  • 10.7.1. NFC market 2009-2014
  • 10.7.2. Demography of NFC growth
    • 10.7.2.1. M-ticketing - the future of contactless payments
  • 10.7.3. Growth from other areas
  • 10.7.4. NFC forecast: growth trends in regional markets
    • 10.7.4.1. Japan leads the contactless payment market
    • 10.7.4.2. Trends prevalent in Asian emerging markets
    • 10.7.4.3. Europe sits on huge m-payment growth potential
    • 10.7.4.4. Growth from US and Latin America
• 10.7.5. NFC mobile phones

• Table 1.1. Payment systems - history in brief
• Table 1.2. Mobile browser
• Table 1.3. M-payment technologies comparison
• Table 1.4. IrDA' s major stakeholders
• Table 2.1. How does NFC compare to other wireless technologies
• Table 5.1. Mobile payment defined
• Table 5.2. Mobile banking
• Table 5.3. Mobile Payment Forum members
• Table 6.1. NFC Forum' s key members since launch
• Table.6.2. NFC Forum' s key members
• Table 6.3. Dimensions of security in mobile payments

• Figure 1.1. M-Payment market forecast 2008-2013
• Figure 1.2. Annual m-payments growth rate 2008-2013
• Figure 1.3. Mobile barcode scanner
• Figure 1.4. An RFID tag
• Figure 2.1. NFC
• Figure 2.2. Mobile Bluetooth
• Figure 2.3. Biometrics
• Figure 2.4. NFC ecosystem
• Figure 2.5. Retailers survey on NFC-led m-payment technologies awareness
• Figure 3.1. NFC positioning in mobile phone
• Figure 3.2. NFC services
• Figure 3.3. NFC in transport and travelling
• Figure 3.4. NFC in information access
• Figure 3.5. NFC-enabled handsets and devices available
• Figure 4.1. NFC smart poster
• Figure 4.2. Small Chart Box
• Figure 4.3. Mobile payment adoption survey
• Figure 5.1. Mobile payment adoption survey
• Figure 5.2. Mobile payment adoption survey
• Figure 5.3. Mobile wallet network map
• Figure 10.1. Global telecoms subscriber growth-1982-2013

Companies mentioned in this report

• AirTag
• Assa Abloy Group
• ALcatel-Lucent
• Atlanta Philips Arena
• AT&T
• Atlanta Spirit
• Barclays
• Bouygues Telecom
• BKM-Interbank Card Center
• Bellid
• Bankalararasi Kart Merkezi
• Bern
• Bell Mobility
• Blaze Mobile
• BuleSky Positioning
• BBC
• Books Etc
• Bay Area Rapid Transit
• BBVA
• Banco do Brasil
• Col.
• Crown Computing
• Citigroup
• Chop' d,
• Coffee Republic
• Chase Bank
• Chinatrust Commercial Bank
• Commonealth Bank
• Computer Cab
• Collis
• Cingular Wireless
• Cellular South Wireless
• Companhia Brasileira de Meios de Pagamento
• Cal in Israel
• Corner Bank, Switzerland
• DnB Nor
• Dolby Laboratories
• Ergosum Project
• European Payment Council
• European Union
• Edgar, Dunn & Company
• ECMA
• Emirates NBD
• EAT
• European Telecommunications Standards Institute
• Etisalat
• FIME
• Frankfurt Rhein-Main
• Gemalto
• GSMA
• Google
• Giesecke & Devrient
• Garanti Bank
• Hypercom Corporation
• Hitachi
• Hyundai Card
• Huishang Bank
• Infrared Data Association
• INSIDE CONTACTLESS
• Innovision
• IW Bank,Italy
• ING
• Japan Ministry of Internal Affairs and Communications
• JCB
• Krispy Kreme
• Korea Smart Card Company
• Korea Telecom Freetel
• KB Card
• Littleton
• LEGIC Identsystems Ltd
• LG Card
• LLC
• MasterCard
• Monitise Group
• Mobile Money Ventures LCC
• Maxis Communications
• Mobile Distillery
• Massachusetts Institute of Technology
• Maxis Communications
• Multimedia Solutions
• Multimedia Solutions
• McDonald' s
• Microsoft
• Maybank
• MBNA
• Monaco Government Tourist and Convention Authority
• Nokia Corporation
• National Australia Bank
• NXP Semiconductors
• NTT DoCoMo
• NTT Data
• NFC Forum
• National Australia Bank
• Nets
• Orange
• O2
• Osaifu-Keitai
• Obopay
• Payter
• Pathe Cinemas
• PNC Bank
• Rhein-Main-Verkehrsverbund
• Rhein-Main-Verkehrsverbund
• The Royal Bank of Canada
• Sagem Telecommunications
• SFR
• SIMalliance
• Smart Communications
• SCM Microsystems Inc
• Sony Corporation
• Telenor
• TeliaSonera
• Tesco
• Texas Instruments
• TextPayMe
• T-Mobile
• Toshiba TEC
• Turkcell
• Unify Media Group
• US Bank
• Valista
• VH-1
• Virgin
• Verifone
• Verizon
• Verrus
• Vimpelcom
• Visa
• ViVOtech
• Vodafone
• Wachovia
• Walgreen
• Wawa
• Wells Fargo
• Westel Mobil
• Western Union
• w-HA
• Wikipedia
• Wind
• WIT-Software
• Xringer
• YourRail
• Zagat
• ZiLOG