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
