Near field communication

Near field communication (NFC) is a set of standards for smartphones and similar devices to establish radio communication with each other by touching them together or bringing them into close proximity, usually no more than a few centimetres. Present and anticipated applications include contactless transactions, data exchange, and simplified setup of more complex communications such as Wi-Fi.[1] Communication is also possible between an NFC device and an unpowered NFC chip, called a "tag".[2]

NFC standards cover communications protocols and data exchange formats, and are based on existing radio-frequency identification (RFID) standards including ISO/IEC 14443 and FeliCa.[3] The standards include ISO/IEC 18092[4] and those defined by the NFC Forum, which was founded in 2004 by Nokia, Philips and Sony, and now has 150 members. The Forum also promotes NFC and certifies device compliance.[5]

Contents

Uses

NFC builds upon RFID systems by allowing two-way communication between endpoints, where earlier systems such as contactless smart cards were one-way only.[6] Since unpowered NFC "tags" can also be read by NFC devices,[2] it is also capable of replacing earlier one-way applications.

Commerce

NFC devices can be used in contactless payment systems, similar to those currently used in credit cards and electronic ticket smartcards, and allow mobile payment to replace or supplement these systems. For example, Google Wallet allows consumers to store credit card information in a virtual wallet and then use an NFC-enabled device at terminals that also accept MasterCard PayPass transactions.[7] Germany[8] and Austria[9] have trialled NFC ticketing systems for public transport. And China is using it all over the country in public bus transport.

Bluetooth and WiFi connections

NFC offers a low-speed connection with extremely simple setup, and could be used to bootstrap more capable wireless connections.[10] It could, for example, replace the pairing step of establishing Bluetooth connections or the configuration of Wi-Fi networks.

Social networking

NFC can be used in social networking situations, such as sharing contacts, photos, videos or files ,[11] and entering multiplayer mobile games.[12]

Identity documents

The NFC Forum promotes the potential for NFC-enabled devices to act as electronic identity documents and keycards.[10] As NFC has a short range and supports encryption, it may be more suitable than earlier, less private RFID systems.

History

NFC traces its roots back to Radio-frequency identification, or RFID. RFID allows a reader to send radio waves to a passive electronic tag for identification and tracking.

Essential specifications

NFC is a set of short-range wireless technologies, typically requiring a distance of 4 cm or less. NFC operates at 13.56 MHz on ISO/IEC 18000-3 air interface and at rates ranging from 106 kbit/s to 424 kbit/s. NFC always involves an initiator and a target; the initiator actively generates an RF field that can power a passive target. This enables NFC targets to take very simple form factors such as tags, stickers, key fobs, or cards that do not require batteries. NFC peer-to-peer communication is possible, provided both devices are powered.[6] A patent licensing program for NFC is currently under development by Via Licensing Corporation, an independent subsidiary of Dolby Laboratories. A public, platform-independent NFC library is released under the free GNU Lesser General Public License by the name libnfc.[23]

NFC tags contain data and are typically read-only but may be rewriteable. They can be custom-encoded by their manufacturers or use the specifications provided by the NFC Forum, an industry association charged with promoting the technology and setting key standards. The tags can securely store personal data such as debit and credit card information, loyalty program data, PINs and networking contacts, among other information. The NFC Forum defines four types of tags which provide different communication speeds and capabilities in terms of configurability, memory, security, data retention and write endurance. Tags currently offer between 96 and 4,096 bytes of memory.

kbit/s Active device passive device
424 kbit/s Manchester, 10% ASK Manchester, 10% ASK
212 kbit/s Manchester, 10% ASK Manchester, 10% ASK
106 kbit/s Modified Miller, 100% ASK Manchester, 10% ASK

Comparison with Bluetooth

NFC Bluetooth Bluetooth Low Energy
RFID compatible ISO 18000-3 active active
Standardisation body ISO/IEC Bluetooth SIG Bluetooth SIG
Network Standard ISO 13157 etc. IEEE 802.15.1 IEEE 802.15.1
Network Type Point-to-point WPAN WPAN
Cryptography not with RFID available available
Range < 0.2 m ~10 m (class 2) ~100 m
Frequency 13.56 MHz 2.4–2.5 GHz 2.4–2.5 GHz
Bit rate 424 kbit/s 2.1 Mbit/s ~1.0 Mbit/s
Set-up time < 0.1 s < 6 s < 0.006 s
Power consumption < 15mA (read) varies with class < 15 mA (transmit or receive)

NFC and Bluetooth are both short-range communication technologies which are integrated into mobile phones. As described in technical detail below, NFC operates at slower speeds than Bluetooth, but consumes far less power and doesn’t require pairing.

NFC sets up faster than standard Bluetooth, but is not faster than Bluetooth low energy. With NFC, instead of performing manual configurations to identify devices, the connection between two NFC devices is automatically established quickly: in less than a tenth of a second. The maximum data transfer rate of NFC (424 kbit/s) is slower than that of Bluetooth V2.1 (2.1 Mbit/s). With a maximum working distance of less than 20 cm, NFC has a shorter range, which reduces the likelihood of unwanted interception. That makes NFC particularly suitable for crowded areas where correlating a signal with its transmitting physical device (and by extension, its user) becomes difficult.

In contrast to Bluetooth, NFC is compatible with existing passive RFID (13.56 MHz ISO/IEC 18000-3) infrastructures. NFC requires comparatively low power, similar to the Bluetooth V4.0 low energy protocol. However, when NFC works with an unpowered device (e.g. on a phone that may be turned off, a contactless smart credit card, a smart poster, etc.), the NFC power consumption is greater than that of Bluetooth V4.0 Low Energy, this is because illuminating the passive tag needs extra power.

Standardization bodies and industry projects

Standards

NFC was approved as an ISO/IEC standard on December 8, 2003 and later as an ECMA standard.

NFC is an open platform technology standardized in ECMA-340 and ISO/IEC 18092. These standards specify the modulation schemes, coding, transfer speeds and frame format of the RF interface of NFC devices, as well as initialization schemes and conditions required for data collision-control during initialization for both passive and active NFC modes. Furthermore, they also define the transport protocol, including protocol activation and data-exchange methods. The air interface for NFC is standardized in:

ISO/IEC 18092 / ECMA-340
Near Field Communication Interface and Protocol-1 (NFCIP-1)[25]
ISO/IEC 21481 / ECMA-352
Near Field Communication Interface and Protocol-2 (NFCIP-2)[26]

NFC incorporates a variety of existing standards including ISO/IEC 14443 both Type A and Type B, and FeliCa. NFC enabled phones work basically, at least, with existing readers. Especially in "card emulation mode" a NFC device should transmit, at a minimum, a unique ID number to an existing reader.

In addition, the NFC Forum has defined a common data format called NFC Data Exchange Format (NDEF), which can store and transport various kinds of items, ranging from any MIME-typed object to ultra-short RTD-documents,[27] such as URLs.

The NFC Forum added the Simple NDEF Exchange Protocol to the spec which allows sending and receiving messages between two NFC-enabled devices.[28]

GSMA

The GSM Association (GSMA) is the global trade association representing nearly 800 mobile phone operators and more than 200 product and service companies across 219 countries. Many of its members have led NFC trials around the world and are now preparing services for commercial launch.[29]

GSM is involved with several initiatives:

StoLPaN

StoLPaN (‘Store Logistics and Payment with NFC’) is a pan-European consortium supported by the European Commission’s Information Society Technologies program. StoLPaN will examine the as yet untapped potential for the new kind of local wireless interface, NFC and mobile communication.

NFC Forum

The NFC Forum is a non-profit industry association formed on March 18, 2004, by NXP Semiconductors, Sony and Nokia to advance the use of NFC short-range wireless interaction in consumer electronics, mobile devices and PCs. The NFC Forum promotes implementation and standardization of NFC technology to ensure interoperability between devices and services. As of March 2011, the NFC Forum had 135 member companies.[32]

Alternative Form Factors

To realize the benefits of NFC in cellphones not yet equipped with built in NFC chips a new line of complementary devices were created. MicroSD and UICC SIM cards were developed to incorporate industry standard contactless smartcard chips with ISO14443 interface, with or without built-in antenna. The microSD and SIM form factors with built-in antenna have the great potential as bridge devices to shorten the time to market of contactless payment and couponing applications, while the built in NFC contollers gain enough market share.

Other standardization bodies

Other standardization bodies that are involved in NFC include:

Security aspects

Although the communication range of NFC is limited to a few centimeters, NFC alone does not ensure secure communications. In 2006, Ernst Haselsteiner and Klemens Breitfuß described different possible types of attacks, and detail how to leverage NFC's resistance to Man-in-the-middle attacks to establish a specific key.[33] Unfortunately, as this technique is not part of the ISO standard, NFC offers no protection against eavesdropping and can be vulnerable to data modifications. Applications may use higher-layer cryptographic protocols (e.g., SSL) to establish a secure channel. Ensuring security for NFC data will require the cooperation of multiple parties: device providers, who will need to safeguard NFC-enabled phones with strong cryptography and authentication protocols; customers, who will need to protect their personal devices and data with passwords, keypad locks, and anti-virus software; and application providers and transaction parties, who will need to use anti-virus and other security solutions to prevent spyware and malware from infecting systems.[34]

Eavesdropping

The RF signal for the wireless data transfer can be picked up with antennas. The distance from which an attacker is able to eavesdrop the RF signal depends on numerous parameters, but is typically a small number of metres.[35] Also, eavesdropping is highly affected by the communication mode. A passive device that doesn't generate its own RF field is much harder to eavesdrop on than an active device. One open source device that is able to eavesdrop on passive and active NFC communications is the Proxmark instrument.[36]

Data modification

It is relatively easy to destroy data by using an RFID jammer. There is no way currently to prevent such an attack. However, if NFC devices check the RF field while they are sending, it is possible to detect attacks.

It is much more difficult to modify data in such a way that it appears to be valid to users. To modify transmitted data, an intruder has to deal with the single bits of the RF signal. The feasibility of this attack, (i.e., if it is possible to change the value of a bit from 0 to 1 or the other way around), is amongst others subject to the strength of the amplitude modulation. If data is transferred with the modified Miller coding and a modulation of 100%, only certain bits can be modified. A modulation ratio of 100% makes it possible to eliminate a pause of the RF signal, but not to generate a pause where no pause has been. Thus, only a 1 which is followed by another 1 might be changed. Transmitting Manchester-encoded data with a modulation ratio of 10% permits a modification attack on all bits.

Relay attack

Because NFC devices usually include ISO/IEC 14443 protocols, the relay attacks described are also feasible on NFC.[37][38] For this attack the adversary has to forward the request of the reader to the victim and relay back its answer to the reader in real time, in order to carry out a task pretending to be the owner of the victim’s smart card. For more information see a survey of practical relay attack concepts[39]. One of libnfc code examples demonstrates a relay attack using only two stock commercial NFC devices. It has also been shown that this attack can be practically implemented using only two NFC-enabled mobile phones [40].

Lost property

Losing the NFC RFID card or the mobile phone will open access to any finder and act as a single-factor authenticating entity. Mobile phones protected by a PIN code acts as a single authenticating factor. A way to defeat the lost-property threat requires an extended security concept that includes more than one physically independent authentication factor.

Walk-off

Lawfully opened access to a secure NFC function or data is protected by time-out closing after a period of inactivity. Attacks may happen despite provisions to shutdown access NFC after the bearer has become inactive. The known concepts described primarily do not address the geometric distance of a fraudulent attacker using a lost communication entity against lawful access from the actual location of the registered bearer. Additional feature to cover such attack scenario dynamically shall make use of a second wireless authentication factor that remains with the bearer in case of lost NFC communicator. Relevant approaches are described as an electronic leash or its equivalent, a wireless key.

NFC-enabled handsets

Android

Ovi store/S40 & J2ME

Ovi store/S60 & J2ME

J2ME

Bada

MeeGo

BlackBerry

Windows Mobile 6.0

Other

Future devices

On January 25, 2011, Bloomberg published a report stating that Apple was actively pursuing development of a mobile payment system employing NFC. New generations of iPhone, iPod and iPad products would reportedly be equipped with NFC capability which would enable small-scale monetary transactions.[64]

Near Field Communications World stated on March 21, 2011 that Sonim Technologies will add NFC to its XP3300 Force[65] device later this year.[66]

On May 2, 2011, RIM announced[67] the Blackberry Bold 9900, a new device that will use NFC technology.

In May 2011, Google announced Google Wallet, an Android application that will make use of NFC to make payments at stores. The card information will be stored in the app and will be used to make the transactions.

Project trials and full-scale deployments

Several hundred NFC trials have been conducted to date. While NFC trials continue, some firms have moved to full-scale service deployments, spanning either a single country or multiple countries. As a consequence, programs listed below date from 2010 forward and are cited for ease-of-reference. Programs were updated through April 2011. Multi-country deployments include:

Africa

 Libya

 South Africa

Europe

 Austria

 Belgium

 Czech Republic

 Denmark

 France

 Germany

 Hungary

 Ireland

 Italy

 Lithuania

 The Netherlands

 Poland

 Romania

 Russia

 Slovenia

 Spain

 Sweden

 Switzerland

 Turkey

 United Kingdom

North America

 Canada

 USA

Asia and Oceania

 Australia

 China

 Hong Kong

 India

 Japan

 Malaysia

 South Korea

 Singapore

 Sri Lanka

 Thailand

Latin America

 Brazil

Middle East

 Iran

See also

Notes

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  2. ^ a b Nikhila (26 October 2011). "NFC - future of wireless communication". Gadgetronica. http://www.gadgetronica.com/blog/near-field-communication.html. 
  3. ^ "Technical Specifications". NFC Forum. http://www.nfc-forum.org/specs/spec_list/. Retrieved 11 December 2011. 
  4. ^ "ISO/IEC 18092:2004 Information technology -- Telecommunications and information exchange between systems -- Near Field Communication -- Interface and Protocol (NFCIP-1)". ISO. http://www.iso.org/iso/catalogue_detail.htm?csnumber=38578. Retrieved 11 December 2011. 
  5. ^ "About the Forum". NFC Forum. http://www.nfc-forum.org/aboutus/. Retrieved 14 June 2011. 
  6. ^ a b Nosowitz, Dan (1 March 2011). "Everything You Need to Know About Near Field Communication". Popular Science Magazine. Popular Science. http://www.popsci.com/gadgets/article/2011-02/near-field-communication-helping-your-smartphone-replace-your-wallet-2010/. Retrieved 14 June 2011. 
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  11. ^ a b Pelly, Nick; Hamilton, Jeff (10 May 2011). "How to NFC". Google I/O 2011. http://www.google.com/events/io/2011/sessions/how-to-nfc.html. Retrieved 14 June 2011. 
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  13. ^ Charles A. Walton "Portable radio frequency emitting identifier" U.S. Patent 4,384,288 issue date May 17, 1983
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  25. ^ Ecma International: Standard ECMA-340, Near Field Communication Interface and Protocol (NFCIP-1), December 2004
  26. ^ Ecma International: Standard ECMA-352, Near Field Communication Interface and Protocol–2 (NFCIP-2), December 2003
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  85. ^ "Transport operators Deutsche Bahn and RMV to co-operate on national NFC ticketing system for Germany", NFC World, March 3, 2011, http://www.nearfieldcommunicationsworld.com/2011/03/03/36340/transport-operators-deutsche-bahn-and-rmv-to-co-operate-on-national-nfc-ticketing-system-for-germany/ .
  86. ^ "Deutsche Telekom details T-Mobile NFC rollout plans", NFC World, February 21, 2011, http://www.nearfieldcommunicationsworld.com/2011/02/21/36117/deutsche-telekom-details-t-mobile-nfc-rollout-plans/ .
  87. ^ "Vodafone brings NFC payments to Hungary’s Sziget Festival", NFC World, April 14, 2011, http://www.nearfieldcommunicationsworld.com/2011/04/14/37000/vodafone-brings-nfc-payments-to-hungarys-sziget-festival/ .
  88. ^ "First Data joint venture to offer mobile contactless loyalty service to merchants in UK and Ireland", NFC World, August 27, 2010, http://www.nearfieldcommunicationsworld.com/2010/08/27/34371/first-data-joint-venture-to-offer-mobile-contactless-loyalty-service-to-merchants-in-uk-and-ireland/ .
  89. ^ "Milan to get NFC ticketing system", NFC World, March 28, 2011, http://www.nearfieldcommunicationsworld.com/2011/03/28/36639/milan-to-get-nfc-ticketing-system/ .
  90. ^ "Poland and Italy commit to contactless payments", NFC World, January 21, 2010, http://www.nearfieldcommunicationsworld.com/2010/01/21/32572/poland-and-italy-commit-to-contactless-payments/ .
  91. ^ "Omnitel launches national NFC service in Lithuania", NFC World, July 11, 2011, http://www.nearfieldcommunicationsworld.com/2011/07/11/38528/omnitel-launches-national-nfc-service-in-lithuania/ .
  92. ^ "Dutch banks and mobile operators to launch national NFC service", NFC World, September 9, 2010, http://www.nearfieldcommunicationsworld.com/2010/09/09/34439/dutch-banks-and-mobile-operators-to-launch-national-nfc-service/ .
  93. ^ "Rabobank adds NFC stickers to MiniTix mobile wallet", NFC World, March 28, 2011, http://www.nearfieldcommunicationsworld.com/2011/03/28/36666/rabobank-adds-nfc-stickers-to-minitix-mobile-wallet/ .
  94. ^ "Polkomtel and BZ WBK bank to run NFC trial in three Polish cities", NFC World, April 29, 2010, http://www.nearfieldcommunicationsworld.com/2010/04/29/33552/polkomtel-and-bz-wbk-bank-to-run-nfc-trial-in-three-polish-cities/ .
  95. ^ "PTC Inteligo and Mastercard test NFC payments in Poland", Near Field Communications World, June 10, 2010, http://www.nearfieldcommunicationsworld.com/2010/06/10/33916/ptc-inteligo-and-mastercard-test-nfc-payments-in-poland/ .
  96. ^ "Orange launches NFC payments trial in Poland", NFC World, March 21, 2011, http://www.nearfieldcommunicationsworld.com/2011/03/21/36546/orange-launches-nfc-payments-trial-in-poland/ .
  97. ^ (in Polish) Telepolis, PL, 3 October 2010, http://www.telepolis.pl/news.php?id=20930 .
  98. ^ "Aces ultrarapi la metrou cu cardul contactless instant pay de la BRD" (in Romanian), Efin, RO, http://www.efin.ro/stiri_financiare/produse_financiare/acces_ultrarapid_la_metrou_cu_cardul_contactless_instant_pay_de_la_brd.html 
  99. ^ "Taxare", Ratt, RO, http://www.ratt.ro/taxare/ .
  100. ^ "Portofelul electronic este o facilitate a Cardului ACTIV ce poate fi activata prin centrele RATB de emitere si reincarcare carduri", RATB, RO, http://card.ratb.ro/ .
  101. ^ Mosmetro, RU, http://engl.mosmetro.ru/pages/page_1.php?id_page=56&id_text=956 .
  102. ^ "Banka Koper begins NFC payments and promotions trial in Slovenia", NFC World, February 10, 2010, http://www.nearfieldcommunicationsworld.com/2010/02/11/32693/banka-koper-begins-nfc-payments-and-promotions-trial-in-slovenia/ .
  103. ^ "Sitges trial results: Consumers pay more often and spend more with NFC phones than with cards", NFC World, January 7, 2011, http://www.nearfieldcommunicationsworld.com/2011/01/07/35576/sitges-trial-results-consumers-pay-more-often-and-spend-more-with-nfc-phones-than-with-cards/ .
  104. ^ "NFC bus ticketing trial to take place in Madrid", NFC World, February 12, 2010, http://www.nearfieldcommunicationsworld.com/2010/02/12/32732/nfc-bus-ticketing-trial-to-take-place-in-madrid/ .
  105. ^ "Vodafone and EPT launch NFC bus ticketing service in Murcia, Spain", NFC World, March 28, 2011, http://www.nearfieldcommunicationsworld.com/2011/03/28/36634/vodafone-and-ept-launch-nfc-bus-ticketing-service-in-murcia-spain/ .
  106. ^ "NFC trial begins at Mobile World Congress", NFC World, February 15, 2010, http://www.nearfieldcommunicationsworld.com/2010/02/15/32738/nfc-trial-begins-at-mobile-world-congress/ .
  107. ^ "Telefonica staff to test NFC payments and access control", NFC World, April 1, 2011, http://www.nearfieldcommunicationsworld.com/2011/04/01/36825/telefonica-staff-to-test-nfc-payments-and-access-control/ .
  108. ^ "SAS Scandinavian Airlines introduces an NFC-based Smart Pass for frequent flyers". Future Travel Experience. 2011-6. http://www.futuretravelexperience.com/2011/06/sas-launches-nfc-smart-pass/. 
  109. ^ "NFC phones replace room keys and eliminate check-in at Swedish hotel", NFC World, November 3, 2010, http://www.nearfieldcommunicationsworld.com/2010/11/03/34886/nfc-keys-hotel-sweden/ .
  110. ^ "Swisscom prepaid customers top up at in-store NFC kiosks", Near Field Communications World, April 8, 2011, http://www.nearfieldcommunicationsworld.com/2011/04/08/36941/swisscom-prepaid-customers-top-up-at-in-store-nfc-kiosks/ .
  111. ^ (in Turkish) World Mobil Ödeme Özelliği: PayMobile, TR: Worldcard, http://www.worldcard.com.tr/worldu-taniyin/paymobile/ .
  112. ^ Turkcell Cep-T Cüzdan, TR, http://www.turkcell.com.tr/bireysel/servisler/ceptfinans/turkcellceptcuzdan .
  113. ^ "Yapi Kredi Bank and Turkcell to launch NFC payments service using Visa’s iPhone add-on", NFC World, January 31, 2011, http://www.nearfieldcommunicationsworld.com/2011/01/31/35801/yapi-kredi-bank-and-turkcell-to-launch-nfc-payments-service-using-visa-iphone-add-on/ .
  114. ^ "Garanti Bank and Ave to launch commercial NFC service in Turkey in July", NFC World, May 14, 2010, http://www.nearfieldcommunicationsworld.com/2010/05/14/33657/garanti-bank-and-avea-to-launch-commercial-nfc-service-in-turkey-in-july/ .
  115. ^ "Turkey’s Akbank and Visa Europe to test microsD NFC device", NFC World, August 9, 2010, http://www.nearfieldcommunicationsworld.com/2010/08/09/34266/turkeys-akbank-and-visa-europe-to-test-microsd-nfc-device/ .
  116. ^ "Transport for London confirms plans to accept contactless cards in time for Olympics", NFC World, February 27, 2011, http://www.nearfieldcommunicationsworld.com/2011/02/27/36204/transport-for-london-confirms-plans-to-accept-contactless-cards-in-time-for-olympics/ .
  117. ^ "UK’s Dept for Transport reports on 18-month NFC ticketing project", NFC World, April 13, 2010, http://www.nearfieldcommunicationsworld.com/2010/04/13/33371/uks-dept-for-transport-reports-on-18-month-nfc-ticketing-project/ .
  118. ^ "Pub chain Yates’s partners with Waspit for launch of NFC payments service in the UK", NFC World, November 1, 2010, http://www.nearfieldcommunicationsworld.com/2010/11/01/34842/pub-chain-yatess-partners-with-waspit-for-launch-of-nfc-payments-service-in-the-uk/ .
  119. ^ "Orange and Barclaycard set date for UK’s first commercial NFC service", NFC World, January 27, 2011, http://www.nearfieldcommunicationsworld.com/2011/01/27/35762/orange-and-barclaycard-set-date-for-uks-first-commercial-nfc-service/ .
  120. ^ "Enstream begins Zoompass Mobile Payments Sticker Trial", NFC World, March 4, 2010, http://www.nearfieldcommunicationsworld.com/2010/03/04/32909/enstream-begins-zoompass-mobile-payments-sticker-trial/ .
  121. ^ "Bank of America NFC trial to focus on customer experience", NFC World, October 15, 2010, http://www.nearfieldcommunicationsworld.com/2010/10/15/34687/bank-of-america-nfc-trial-to-focus-on-customer-experience/ .
  122. ^ "US Bank begins testing microSD based NFC payments service", NFC World, November 15, 2010, http://www.nearfieldcommunicationsworld.com/2010/11/19/35160/us-bank-begins-testing-microsd-based-nfc-payments-service/ .
  123. ^ "AT&T, Verizon and T-Mobile to test NFC payments in the US", NFC World, August 2, 2010, http://www.nearfieldcommunicationsworld.com/2010/08/02/34188/att-verizon-and-t-mobile-to-test-nfc-payments-in-the-us/ .
  124. ^ "Adirondack Trust launches mobile contactless payments in New York State", NFC World, March 24, 2010, http://www.nearfieldcommunicationsworld.com/2010/03/24/33313/adirondack-trust-launches-mobile-contactless-payments-in-new-york-state/ .
  125. ^ "Bling Nation signs up additional Colorado bank for mobile contactless payments", NFC World, April 27, 2010, http://www.nearfieldcommunicationsworld.com/2010/04/27/33472/bling-nation-signs-up-additional-colorado-bank-for-mobile-contactless-payments/ .
  126. ^ "Bankers’ Bank of the West to offer Bling Nation’s payment services to its 330 member banks", NFC World, May 13, 2010, http://www.nearfieldcommunicationsworld.com/2010/05/13/33634/bankers-bank-of-the-west-to-offer-bling-nations-payments-service-to-its-330-member-banks/ .
  127. ^ "PayPal begins move into retail store payments with Bling Nation pilot", NFC World, July 14, 2010, http://www.nearfieldcommunicationsworld.com/2010/07/14/34116/paypal-begins-move-into-retail-store-payments-with-bling-nation-pilot/ .
  128. ^ Collins, Hugh (2010-10-14). "Bank of America, Visa to Test Smartphone Payment Program". DailyFinance. http://www.dailyfinance.com/story/company-news/bank-of-america-visa-to-test-smartphone-payment-program/19601600/. Retrieved 2010-11-17. 
  129. ^ "US Bank to test NFC to Q4 2010", NFC World, June 7, 2010, http://www.nearfieldcommunicationsworld.com/2010/06/07/33866/us-bank-to-test-nfc-in-q4-2010/ .
  130. ^ "Wells Fargo to run NFC field trial", NFC World, September 2, 2010, http://www.nearfieldcommunicationsworld.com/2010/09/02/34392/wells-fargo-to-run-nfc-field-trial/ .
  131. ^ "Blackboard adds NFC and contactless support to campus card system", NFC World, March 8, 2010, http://www.nearfieldcommunicationsworld.com/2010/03/08/32986/blackboard-adds-nfc-and-contactless-support-to-campus-card-system/ .
  132. ^ "Wallet", Google, May 27, 2011, http://www.google.com/wallet/ .
  133. ^ "Google chooses Identive to deliver NFC tags for Places campaign", NFC World, April 24, 2011, http://www.nearfieldcommunicationsworld.com/2011/04/13/36986/google-chooses-identive-to-deliver-nfc-tags-for-places-campaign/ .
  134. ^ "Visa lets New York commuters pay for their fares with mobile phones", Near Field Communications World, October 1, 2010, http://www.nearfieldcommunicationsworld.com/2010/10/01/34538/visa-lets-new-york-commuters-pay-for-their-fares-with-mobile-phones/ .
  135. ^ "M Payments - The future of Micro and Mobile payments", M Payments, http://www.mpay.com.au .
  136. ^ "ANZ and Visa begin NFC microSD trial in Australia", NFC World, March 20, 2011, http://www.nearfieldcommunicationsworld.com/2011/03/21/36540/anz-and-visa-begin-nfc-microsd-trial-in-australia/ .
  137. ^ "Commbank Kaching - The future of mobile payments", Commbank Kaching, http://www.commbank.com.au/kaching/ .
  138. ^ "China Unicom and Bank of Communications announce commercial NFC payments launch", NFC World, June 24, 2010 .
  139. ^ "China Unicom to Launch Commercial NFC Services in Beijing, Shanghai, Guangzhou", NFC World, October 22, 2010, http://www.nearfieldcommunicationsworld.com/2010/10/22/34761/china-unicom-to-launch-commercial-nfc-services-in-beijing-shanghai-guangzhou-and-chongqing-in-november/ .
  140. ^ "NFC bank branch developer A Little World Raises $18M from state bank of India", NFC World, October 15, 2010, http://www.nearfieldcommunicationsworld.com/2010/10/15/34676/nfc-bank-branch-developer-a-little-world-raises-18m-from-state-bank-of-india/ .
  141. ^ "Citi’s Bangalore trial: Offering cardholders phone subsidies can kickstart NFC transaction volumes", NFC World, March 11, 2010, http://www.nearfieldcommunicationsworld.com/2010/03/11/33051/citis-bangalore-trial-offering-cardholders-phone-subsidies-can-kickstart-nfc-transaction-volumes/ .
  142. ^ "Tata Docomo to test NFC self-service kiosks in Hyderabad", NFC World, February 22, 2011, http://www.nearfieldcommunicationsworld.com/2011/02/22/36128/tata-docomo-to-test-nfc-self-service-kiosks-in-hyderabad/ .
  143. ^ "PayMate and Nokia starts deploying Google Wallet-like NFC payment in India", TechIt.in, November 9, 2011, http://www.techit.in/2011/11/paymate-and-nokia-starts-deploying-google-wallet-like-nfc-payment-in-india/ .
  144. ^ "Softbank to test NFC in Japan", NFC World, December 15, 2010, http://www.nearfieldcommunicationsworld.com/2010/04/22/33481/kddi-to-run-multiple-nfc-tests-in-japan/ .
  145. ^ "KDDI to run multiple NFC tests in Japan", NFC World, April 22, 2010, http://www.nearfieldcommunicationsworld.com/2010/04/22/33481/kddi-to-run-multiple-nfc-tests-in-japan/ .
  146. ^ "NTT Docomo partners with Korea’s KT to switch to NFC at end of 2012", NFC World, February 9, 2011, http://www.nearfieldcommunicationsworld.com/2011/02/09/35835/ntt-docomo-partners-with-koreas-kt-to-switch-to-nfc-at-end-of-2012/ .
  147. ^ "Japanese social network Mixi introduces NFC check-ins", NFC World, February 11, 2011, http://www.nearfieldcommunicationsworld.com/2011/02/10/35880/japanese-social-network-mixi-introduces-nfc-check-ins/ .
  148. ^ "KT to launch commercial NFC service with new Samsung handset, Android NFC devices to follow", Near Field Communications World, October 14, 2010, http://www.nearfieldcommunicationsworld.com/2010/10/14/34666/kt-commercial-nfc-service-samsung-shw-a170k-android-to-follow .
  149. ^ "KDDI, Softbank, SK Telecom begin testing joint NFC services for Japanese and Korean customers", NFC World, February 9, 2011, http://www.nearfieldcommunicationsworld.com/2011/02/09/35839/kddi-softbank-sk-telecom-testing-joint-nfc-services-for-japan-korea-consumers/ .
  150. ^ "SK Telecom and Hana launch SIM-based mobile contactless payments and promotions service", NFC World, March 25, 2010, http://www.nearfieldcommunicationsworld.com/2010/03/25/33318/sk-telecom-and-hana-launch-sim-based-mobile-contactless-payments-and-promotions-service/ .
  151. ^ "SK Telecom opens retail outlet that uses NFC to let shoppers browse in-store and buy online", NFC World, March 28, 2011, http://www.nearfieldcommunicationsworld.com/2011/03/28/36656/sk-telecom-q-store-retail-nfc-browse-in-store-buy-online/ .
  152. ^ "DBS, StarHub and EZ-Link to begin Singapore NFC pilot in December", NFC World, November 29, 2010, http://www.nearfieldcommunicationsworld.com/2010/11/29/35271/dbs-starhub-and-ez-link-to-begin-singapore-nfc-pilot-in-december/ .
  153. ^ "Mobitel and Sony to introduce national NFC service in Sri Lanka", NFC World, November 5, 2010, http://www.nearfieldcommunicationsworld.com/2010/11/05/34899/mobitel-and-sony-to-introduce-national-nfc-service-in-sri-lanka/ .
  154. ^ "Mobile payments: Kasikornban, AIS, Gemalto", Near Field Communications World, July 10, 2010, http://www.nearfieldcommunicationsworld.com/2010/07/20/34170/kasikornbank-and-ais-introduce-nfc-payments-in-thailand/ .
  155. ^ "Mobile payments: Oi Paggo, Germalto’s Upteq N-Flex", NFC World, May 28, 2010, http://www.nearfieldcommunicationsworld.com/2010/05/28/33765/oi-paggo-to-run-nfc-field-trial-in-brazil-using-gemalto-nfc-add-on/ .
  156. ^ Padisarco, http://www.padisarco.com/ .

References

External links

Resources (White papers, technical papers, application notes)