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