electronic meal vouchers for nfc phones . an overview of the ibbt/nfc-voucher project - gerd thys...

Electronic meal vouchers for NFC phones

Gerd Thys

Head of Technology Test ToolsClear2Pay / Integri 05/03/2010 Leuven

An overview of the IBBT/NFC-Voucher project

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GENERAL OVERVIEW

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Overview

• Project Scope– What is NFC?– The current paper voucher system– Towards an NFC voucher system– Approach and Objectives

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NEAR FIELD COMMUNICATION

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Near Field Communication –What is NFC (Near Field Communication)?– Short range (max. 10 cm) contactless

communication (up to 424 kbit/s) – Easy communication set-up– Intuitive in use - Data transfer by ‘touching’– Integrates most existing contactless card

protocols - NFC works with existing contactless cards and terminals

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Near Field Communication– 2 categories

• NFC enabled devices (Mobile Phone, PDA, PC,Consumer appliances)

• NFC Tags (Contactless smart cards , Smart Posters (tags included in posters) or smart objects)

– 3 modes of operation• Reader / Writer Mode – Interact with Tag • Peer-2-Peer Mode – Interact with Device• Card Emulation Mode – Act as Tag

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Near Field Communication– NFC Use Cases / Possible areas of application

– Transport (electronic ticketing)– Retail (loyalty, coupons, product tagging, advertisement via

smart posters,...)– Healthcare (social security card,..)– eGovernment (eID, driver’s license,...) – Access control and attendance tracking– Payment

–NFC Forum is driving force. Industry association with 140 members (handset manufacturers, chip manufacturers, mobile operators, application developers, system integrators...)

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Near Field Communication

• Current Status of NFC - Early phase– Pilots all over the world – Up to now limited number of devices available.

– 2010 expected to be keystone year

• Manufacturers announced multiple models (e.g. Nokia in Q3 / Q4)

• Deployment beyond pilot (Nice, ...)• Take off of the NFC Forum certification regime (‘FNC

Forum Certified Device’)

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PAPER VOUCHER SYSTEMS

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Paper voucher system• Paper meal voucher scheme in Belgium

– Prepaid payment system for food– Attractive as part of salary

• Free from social security contribution• Tax benefits for employer and employee

– Characteristics• Face value (typically € 5 to € 10) • Periodicity (number of vouchers according to worked

days)• Expiration date (3 months)

– 250.000.000 meal vouchers issued/year

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Paper voucher system

• Apart from meal vouchers– Gift vouchers– On us vouchers– Eco-cheque– Couponing

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Paper voucher system

Voucher Issuer

Affiliate (Merchant)

Beneficiary (Employee)

Customer (Employer)

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Paper voucher system

Voucher Issuer

Affiliate (Merchant)

Beneficiary (Employee)

Customer (Employer)Pay, OrderManage

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Paper voucher system

Voucher Issuer

Affiliate (Merchant)

Beneficiary (Employee)

Customer (Employer)

Deliver

Pay, OrderManage

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Paper voucher system

Voucher Issuer

Affiliate (Merchant)

Beneficiary (Employee)

Customer (Employer)

Deliver

Distribute

Pay, OrderManage

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Paper voucher system

Voucher Issuer

Affiliate (Merchant)

Beneficiary (Employee)

Customer (Employer)

Deliver

DistributeUse

Pay, OrderManage

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Paper voucher system

Voucher Issuer

Affiliate (Merchant)

Beneficiary (Employee)

Customer (Employer)

Collect Deliver

DistributeUse

Pay, OrderManage

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Paper voucher system

Voucher Issuer

Affiliate (Merchant)

Beneficiary (Employee)

Customer (Employer)

Collect Deliver

DistributeUse

Reimburse Pay, OrderManage

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Paper voucher system• Disadvantages

– Handling (logistics)• Delivery of vouchers, collection at Merchant• A lot of manual processing (damaged, deteriorated vouchers,..)• Storage: archiving period of 4 years

– In shop – speed of processing (large distribution!)– Lost vouchers: not reimbursed

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APPROACH

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NFC Voucher system

Voucher Issuer

affiliate beneficiary beneficiary

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NFC Voucher Flow

Voucher Issuer

affiliate beneficiary beneficiary

MMS

NFC Voucher Push

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NFC Voucher Flow

Voucher Issuer

affiliate beneficiary beneficiary

MMS

NFC

NFC Voucher Push

Payment

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NFC Voucher Flow

Voucher Issuer

affiliate beneficiary beneficiary

MMS

NFC

TCP/IP

NFC Voucher Push

Payment

Clearing

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NFC Voucher Flow

Voucher Issuer

affiliate beneficiary beneficiary

MMS

NFC

NFC Voucher Push

Transfer

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Multi-disciplinary approachTechnical

User Research

Business

Legal

NFC Voucher

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Multi-disciplinary approachTechnical

User Research

Business

Legal

NFC Voucher

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OBJECTIVES

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Objectives• Objectives at start of project in 2008– Check how NFC can be used in Belgium

• Clear Case : meal vouchers

– Define a business case– Study the constraints : Usability, legal,

technical – Develop an actual NFC application (one

of the first in Belgium)– Explore new opportunities

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Innovation• NFC as new technology• First project to investigate offline

vouchering in NFC– Security requirements

• Use of electronic vouchering– Privacy issues– eMoney

• User experience