Ecosystem scenarios for cloud-based NFC payments

  • Authors:
  • Pardis Pourghomi;Gheorghita Ghinea

  • Affiliations:
  • Brunel University, Uxbridge, UK;Brunel University, Uxbridge, UK

  • Venue:
  • Proceedings of the Fifth International Conference on Management of Emergent Digital EcoSystems
  • Year:
  • 2013

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Abstract

As a short range wireless communication technology which consists of a set of standards for smartphones and similar devices, Near Field Communication (NFC) provides wide range of services from payment and access cards to loyalty applications. NFC facilitates the integration of such services into a single mobile device. Having several parties involved in NFC services and not having a common standard for it has raised a major effect on the adoption of this technology within developing industries. This is because all parties are claiming to have access to client's information such as bank account details. Consequently, payment application personalization, ownership and management as well as NFC ecosystem architecture have created several security issues that could be exploitable by attackers. Since NFC technology has lately emerged, there are not much academic sources available yet. As a result, there are plenty of confusions regarding NFC implementation business case options. This paper presents the concept of NFC ecosystem and discusses the previously proposed NFC cloud wallet model [14]. Moreover, further exploration of this model is carried out by considering some implementation assumptions in order to define a clear NFC ecosystem model.