Managing NFC Payment Applications through Cloud Computing - 2

Transcript

1. Managing NFC Payment Applications through Cloud Computing - Avinash Gosavi 1
2. Authors • Pardis Pourghomi Department of Computer Science, American University of the Middle East (AUM) Cyber Security, Contactless Payments • Gheorghita (George) Ghinea Reader in Computing, Brunel University Multimedia, HCI, Networks, e-Applications, Mulsemedia 2
3. Content • Evolution and Introduction to NFC Payments • Examples of NFC Payments • Secure Element(SE) within NFC Architecture • The Role of Cloud Computing within NFC Ecosystem • Fujitsu Cloud-based Data Transfer Service Project • NFC and Cloud-Based Payments Solution • Cloud-Based NFC Payments in Austria • Proposed Approach VS AI’s Approach • Conclusion 3
4. http://faircash.org/technology.html 4
5. http://www.plusworld.org/journal/online/art144371/ 5
6. •Short distance wireless communication •Complementary to Bluetooth and 802.11 •Easy and simple connection method •Exchange of data between devices - distance up to 20 cm •Provides communication method to non-self powered devices Introduction to NFC 6
7. http://www.idigitaltimes.com/new-android-nfc-attack- could-steal-money-credit-cards-anytime-your-phone- near-445497 7
8. Secure Element(SE) within NFC Architecture 8
9. SE Alternatives 9
10. Secure Element(SE) within NFC Architecture ▪ Non removable • Baseband Processor - Built within mobile devices - Change required if device is lost - Protocol is not standardised yet • Embedded Hardware - Needs to be added by mobile device manufacturer - Change required if device is changed - Protocol is not standardised yet - e.g., Nokia 6131 First NFC phone 10
11. Secure Element(SE) within NFC Architecture ▪ Removable • Secure Memory Card(SMC) - Comes separately has a MMC or SD - Same SE can be used on multiple NFC enabled devices - Protocol is not standardised yet • Universal Integrated Circuit Card(UICC) - Comes separately and is supported by GSM and UMTS networks - Works on top of SWP with HCI 11
12. http://www.nttdata.com/global/en/news- center/pressrelease/2012/032900.html 12
13. • Cloud-based payment solution can help the adoption of NFC as it only requires downloadable applications for both retailers and customers. • Security of customer's credentials (e.g. bank account details) • In terms of flexibility and manageability, it makes the whole process much clearer and easier to handle. THE ROLE OF CLOUD COMPUTING WITHIN NFC ECOSYSTEM 13
14. Fujitsu Cloud-based Data Transfer Service Project 14
15. http://www.nfcworld.com/2011/07/22/38759/fujitsu-puts- nfc-into-cloud-based-data-transfer-service/ 15
16. NFC AND CLOUD-BASED PAYMENTS SOLUTION • Could’s owners can be Financial Institutes themselves or a third party payment company like Paypal • Credentials are downloaded from cloud, used and than can be deleted once transaction is finished • Personalized NFC tag per user. • Deploying a Personalized tag takes less than a minute. 16
17. CLOUD-BASED NFC PAYMENTS IN AUSTRIA 17
18. Figure 5. Overview of the approach 18
19. Proposed Approach VS AI’s Approach Works with NFC enabled chip and pin POS No capability of working with chip and pin devices Suggests working with popular financial institutions such as MasterCard, and Visa Transaction processes are directed towards PayBox bank which has less global popularity Customers credentials stored in SE which is installed inside the phone Contactless sticker is easy to access for malicious purposes Payment application is deleted after the cloud is updated - more secure and saves memory It is not specified in their model description that what happens to the payment ap 19
20. http://techcrunch.com/2015/03/09/apple-pay-stats/#. 0wtrfe:YHsv 20
21. Apple Pay and Android Pay 21
22. http://visatechmatters.tumblr. com/post/115241000515/10-years-in-mobile-payments- we-take-a-look-back-at 22
23. Conclusion Contactless technology for the Internet of Things requires all parties to agree one common definition and implementation. 23