A proposed NFC payment application

This article has been made available through the Brunel Open Access Publishing Fund. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.Near Field Communication (NFC) technology is based on a short range radio communication channel which enables users to exchange data between devices. With NFC technology, mobile services establish a contactless transaction system to make the payment methods easier for people. Although NFC mobile services have great potential for growth, they have raised several issues which have concerned the researches and prevented the adoption of this technology within societies. Reorganizing and describing what is required for the success of this technology have motivated us to extend the current NFC ecosystem models to accelerate the development of this business area. In this paper, we introduce a new NFC payment application, which is based on our previous “NFC Cloud Wallet” model [1] to demonstrate a reliable structure of NFC ecosystem. We also describe the step by step execution of the proposed protocol in order to carefully analyse the payment application and our main focus will be on the Mobile Network Operator (MNO) as the main player within the ecosystem

Trusted integration of cloud-based NFC transaction players

Near Field Communication (NFC) is a short range wireless technology that provides contactless transmission of data between devices. With an NFC enabled device, users can exchange information from one device to another, make payments and use their NFC enabled device as their identity. As the main payment ecosystem players such as service providers and secure element issuers have crucial roles in a multi-application mobile environment similar to NFC, managing such an environment has become very challenging. One of the technologies that can be used to ensure secure NFC transaction is cloud computing which offers wide range of advantages compare to the use of a Secure Element (SE) as a single entity in an NFC enabled phone. This approach provides a comprehensive leadership of the cloud provider towards managing and controlling customer's information where it allows the SE which is stored within an NFC phone to deal with authentication mechanisms rather than storing and managing sensitive transaction information. This paper discusses the NFC cloud Wallet model which has been proposed by us previously [1] and introduces a different insight that defines a new integrated framework based on a trusted relationship between the vendor and the Mobile Network Operator (MNO). We then carry out an analysis of such a relationship to investigate different possibilities that arise from this approach

Mobile transactions over NFC and GSM

Dynamic relationships between Near Field Communication (NFC) ecosystem players in a monetary transaction make them partners in a way that they sometimes require to share access permission to applications that are running in the service environment. One of the technologies that can be used to ensure secure NFC transactions is cloud computing. This offers a wider range of advantages than the use of only a Secure Element (SE) in an NFC enabled mobile phone. In this paper, we propose a protocol for NFC mobile payments over NFC using Global System for Mobile Communications (GSM) authentication. In our protocol, the SE in the mobile device is used for customer authentication whereas the customer's banking credentials are stored in a cloud under the control of the Mobile Network Operator (MNO). The proposed protocol eliminates the requirement for a shared secret between the Point of Sale (PoS) and the MNO before execution of the protocol, a mandatory requirement in the earlier version of this protocol. This elimination makes the protocol more practicable and user friendly. A detailed analysis of the protocol discusses multiple attack scenarios

InShopnito: an advanced yet privacy-friendly mobile shopping application

Mobile Shopping Applications (MSAs) are rapidly gaining popularity. They enhance the shopping experience, by offering customized recommendations or incorporating customer loyalty programs. Although MSAs are quite effective at attracting new customers and binding existing ones to a retailer's services, existing MSAs have several shortcomings. The data collection practices involved in MSAs and the lack of transparency thereof are important concerns for many customers. This paper presents inShopnito, a privacy-preserving mobile shopping application. All transactions made in inShopnito are unlinkable and anonymous. However, the system still offers the expected features from a modern MSA. Customers can take part in loyalty programs and earn or spend loyalty points and electronic vouchers. Furthermore, the MSA can suggest personalized recommendations even though the retailer cannot construct rich customer profiles. These profiles are managed on the smartphone and can be partially disclosed in order to get better, customized recommendations. Finally, we present an implementation called inShopnito, of which the security and performance is analyzed. In doing so, we show that it is possible to have a privacy-preserving MSA without having to sacrifice practicality