Non$Payments,NFC,Use,Cases · !Single use drivers. !Commercial vehicle (trucks, busses, taxis)...
Transcript of Non$Payments,NFC,Use,Cases · !Single use drivers. !Commercial vehicle (trucks, busses, taxis)...
Non-‐Payments NFC Use Cases Deborah Baxley Capgemini October 8, 2015 – NFC SoluAons Summit
Financial Services
Deborah Baxley Principal
Cards & Payments Practice
Capgemini Financial Services USA Inc. 623 Fifth Ave., 33rd Fl
New York, NY 10022 USA Mob. +1 914.646.4732 Twitter: @debbaxley
[email protected] www.capgemini.com
Coming soon…
NFC Non-Payments Use Cases A SMART CARD ALLIANCE MOBILE & NFC COUNCIL WHITE PAPER
October 8, 2015 – NFC Solutions Summit
Agenda
§ Use Cases
§ MarkeAng, Loyalty & Couponing § IdenAty & Check-‐In § Healthcare § TickeAng, Transit & Events § Gaming
• Security & Implementa<on Considera<ons
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Loyalty solu<ons transmit loyalty card data along with payments in a single tap transac<on
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Marketing, Loyalty & Couponing
Definition of Use Case
Value Proposition
Ecosystem Participants
Implementation Considerations
Real-World Examples
§ Mobile Wallets (or apps) which present loyalty cards via NFC separately or concurrently with an NFC payment tap.
§ NFC POS terminals capable of reading “value added” data separately or during an NFC payment tap.
§ Speed of check-out.
§ User convenience § Loyalty cards
always available to assure discounts
§ Improved CRM accuracy.
§ Merchants § OEMs § Loyalty programs § MNOs § GSMA § Payment terminal
& POS manufacturers
§ Card emulation + SE § Storage limit on SE § Same Security Domain as
payment § Protection from modification
using std trust techniques § Loyalty app ISO registered
Application Identifier (AID). § Lack of a standard § Ecosystem & POS impact
§ Softcard § GSMA Value
Added Services § Android Pay § Samsung Pay
Loyalty
Customers ac<vate coupons & tap to redeem, or redeem concurrently with payments transac<on
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Marketing, Loyalty & Couponing
Definition of Use Case
Value Proposition Ecosystem Participants
Implementation Considerations Real-World Examples
§ Mobile Wallets (or apps) which present coupons via NFC separately or concurrently with an NFC payment tap
§ NFC POS terminals capable of reading “value added” data separately or during an NFC payment tap.
§ Speed of check-out § User benefit of never
leaving a coupon at home
§ Merchant benefit of highly targeted marketing & engaging consumers
§ Able to track redemption tap to a specific phone, user, service provider, date, time, etc
§ Merchants § OEMs § MNOs § GSMA § Payment
terminal & POS manufacturers
§ Card emulation + SE § Customer notification of discounts ->
digital coupon stored in mobile app § Storage limit on SE § Same Security Domain as payment § Protection from modification using
std trust techniques § Loyalty app ISO registered
Application Identifier (AID). § Lack of a standard § Ecosystem & POS impact
§ Softcard § GSMA Value
Added Services
Coupons & Offers
Hotel customers skip front desk by checking in ahead of <me via SMS+link which provisions NFC key to mobile phone
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Identity & Check-In
Definition of Use Case
Value Proposition Ecosystem Participants
Implementation Considerations
Real-World Examples
§ Use of NFC readers in hospitality setting for access & tracking § Limit access to hotel room, hospitality suite, VIP access
§ Faster service – skip front desk § Credentialing § Appropriate staffing, § Capacity/Crowd control § Security countermeasures against common attacks, eg mutual authentication, message authentication, data encryption
§ Hotels § Amusement parks § Entertainment § Hospitality for special events
§ Need for contactless readers § Guest with NFC-enabled devices to store room key credentials to be read by NFC readers
§ Amusement parks § Hotels
Hospitality Check-In
Airline passengers use NFC phones to iden<fy at security, board planes & access airport lounges
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Identity & Check-In
Definition of Use Case Value Proposition Ecosystem Participants
Implementation Considerations
Real-World
Examples § Bag drop § Self-service document check § New boarding pass for cancelled or delayed flights § Automated self-boarding § Identify at self-service kiosks & baggage counters § Lost bag report § Ground transportation ticketing § Access airport lounges & priority security lanes
§ Faster boarding § Shorter/Fewer lines § Hassle-free flexibility § Ease-of-use to passengers § Common solution across sales channels, airlines & handsets § Paper elimination § More reliable scanning vs. bar codes § No need for battery or connectivity
§ Airlines § MNOs § International Air Transport Association § SITA § GSMA
§ Secure element or HCE § Store tokens in UICC/SIM each SD w/ unique encryption keys § Peer-to-peer mode § Implementation of multi-model transportation requires collaboration
§ JAL + MNOs § Orange, Air France & SITA Pilot § SAS (using HCE)
Boarding Passes
Mobile ID eliminates wait for badges, streamlines issuing processes & works with exis<ng reader infrastructures
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Identity & Check-In
Definition of Use Case Value Proposition Ecosystem Participants
Implementation Considerations
Real-World
Examples § Door opener, mobility ticket, time & attendance tracker § Commercial / Corporate / Institutional badges § Universities/Dormitories § Homes/Apts
§ Convenience – no need to wait for visitor badge § Streamlined ID issuing § OTA Provisioning, Just-in-Time Credentials § Inventory & management cost § Secure storage of IDs
§ OEM handset makers § TSM’s § Tokenization service providers § Security systems integrators § Local distributor/servicers
§ ISO 14443 readers § Integrating NFC readers w/existing physical access controls systems § Potential blue tooth beacons streamline app selection process § Access to SE vs HCE § Enrolling user credential & privileges
§ Quinnipiac § Villanova § ASU § Oberthur, Samsung upcoming Galaxy S6
Facility/Physical Access Control
Mercedes-‐Benz’s upcoming W213 E-‐Class car comes equipped with NFC to allow keyless entry & start
Definition of Use Case Value Proposition Ecosystem Participants
Implementation Considerations
Real-World Examples
§ Tap NFC enabled phone on car door handle to lock /unlock door § Place NFC enabled phone on wireless charging plate to enable ignition
§ Improved convenience & security through fast & secure vehicle access & ignition control without physical keys or fobs § Secure transfer of user data allows customized environment settings providing improved user experience: audio, temperature, seat & mirrors presets, etc. § Improved security reducing car theft
§ Private Car owners/drivers. § Single use drivers. § Commercial vehicle (trucks, busses, taxis) owners & drivers.
§ Secure SIM card § Enrolling user NFC phones in vehicle access system § Integration with vehicle ignition § Integration with vehicle locking system, environmental control, audio, temperature, seat & mirror presets § Severe low and high temperature environmental operation range
§ Mercedes-Benz’s upcoming W213 E-Class car
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Identity & Check-In
Vehicle Access Control & Ignition
NFC streamlines & eliminates errors in healthcare tracking of equipment, pa<ents & data
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Healthcare
Definition of Use Case Value Proposition
Ecosystem
Participants
Implementation Considerations
Real-World Examples
§ NFC tags on wearables or wrist bands to identify patients with a small handheld device vs bulky scanner § Tracking visits to patient rooms § Hospital staff & equipment check-in/check-out with small NFC devices § Tracking patient movement in hospital § Tracking equipment use § Tracking procedures & distribution of medicine in hospitals § Registration & insurance verification § Records Access § Home based monitoring data collected by devices & transmitted using NFC on mobile device
§ Faster identification § Error elimination vs manual data entry or bar codes § Secure transfer of patient data § Better tracking of equipment, medicine & procedures
§ Hospitals § Clinics § Home healthcare providers
§ Lack of infrastructure in industry § Lack of common industry-wide standards § Cost of provisioning to secure element § Regulations & patient privacy concerns
§ PatientID+ § TapCheck § InfoSkin § Ergonomidesign § Impak Health § Sony – FeliCa NFC Healthcare Library § Health Portal Solutions § CliniCard
Healthcare
NFC drives down costs & improves traveler convenience in contactless transit fare systems
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Ticketing, Transit & Events
Definition of Use Case
Value Proposition Ecosystem Participants
Implementation Considerations
Real-World Examples
§ Open & closed loop payments in contactless fare systems
§ Virtualized access credential, closed or open loop, drives down costs & improves traveler convenience § Convenient access to ticketing media § Lower costs of media distribution, § Added convenience in fare product purchases § Reductions in fare product sales costs § New promotional fare strategies
§ Transit Operators § Fare systems integrators § Card issuers § Retailers § Payment networks
§ Fragmentation of approaches § Cost of provisioning card or token profile into SE or HCE applet § State of in place fare system- card based, account based, closed loop, open loop § Supported technologies- Mifare, Calypso, contactless MSD, contactless EMV, § Agency capital planning
§ Chicago CTA § Philadelphia SEPTA § JR Railway mobile Suica § Seoul T-Money
Transit
NFC provides flexibility in delivery, presenta<on & valida<on for event <ckets
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Ticketing, Transit & Events
Definition of Use Case Value Proposition Ecosystem Participants
Implementation Considerations
Real-World Examples
§ Sales & distribution of tickets for special events, concerts, sports, etc. § Identification, assessment, selection, purchase, & presentation of tickets
§ Self service product ticket selection, real time inventory access, & payment. Instantaneous delivery to user device avoids queuing § Simplicity in ticket re-sales & re-allocation of unused inventory § Control of fraud associated with printed media & bar code § No dependence on battery power § Fast throughput at access points § Peer to peer transfer
§ Special Events boards § Sports teams § Sports leagues § Ticket sales agencies § Specialty systems suppliers
§ State of in place systems – complexity & immaturity § HCE vs. SE models § On-line vs. off-line authentication/ validation § OTA delivery, validation, cancelation
§ Manchester City FC (UK)
Events Ticketing
Bringing “toys to life” & enabling mul<-‐player games blurs line between virtual & physical worlds & adds an intui<ve "cause & effect" capability
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Gaming
Definition of Use Case Value Proposition Ecosystem Participants
Implementation Considerations
Real-World Examples
§ “Toys to Life:” places character figures on NFC device that "imports“ character into game as playable character § Figure remembers points or achievements earned
§ Blurs line between virtual & physical world. Brings toys to life & makes game more enjoyable. Makes game mobile by connecting to any network or device.
§ Game providers e.g. Xbox, PlayStation, Wii
§ Tradeoff between open loop ubiquity vs closed loop cost/security
§ Skylanders § Disney Infinity § Amiibo § U.B. Funkeys
§ Enable multiplayer games by simply bringing two devices (Android phones) into close proximity § “Touch to beam” attacks at another player
§ Enables real-time, social element that gamers previously only enjoyed in a console setting
§ Uses peer-to-peer mode
§ Gun Brothers § Near Field Ninja § The World of Yo-Ho
Gaming
Despite NFC’s inherent advantages, security, infrastructure and device challenges have some<mes driven the market to bridge technologies – BLE, QR codes
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Considerations
Implementation Considerations
AWracAveness to hackers generally lower vs. payments • Secure Element = at least as secure as a chip card, except for connecAvity to Internet which may necessitate limiAng access to approved apps
• HCE = depending on sensiAvity of app, security must be layered on, e.g. limited use credenAals aka tokens, TEE
• Security can be miAgated with system-‐level monitoring for suspicious paWerns
MulAple standards in place = MIFARE, contactless payments, iClass, Legic, Felica – causing compaAbility problems
Inconsistency in antenna placement, performance, baWery, presentaAon (e.g. screen lit?) challenges a common soluAon across broad number of devices
Security
Infrastructure
Devices