visionfc – an nfc forum event: the future of nfc in wearables, health care & transport...

THE FUTURE OF NFC IN WEARABLES, HEALTH CARE & TRANSPORT PRESENTATIONS

June 15 – 16, 2016

Dallas, TX, USA

WEARABLE – YOUR PERSONAL WALLET, AS EASY AS A-B-C

Pedro Martinez, NXP

COMPANY CONFIDENTIAL

VISIONFCNFC Forum

Wearable – Your Personal Wallet, as easy as A-B-C

Pedro Martinez

BDM EMEA Mobile Transactions

[email protected]

Secure Services add value to your wearable device

4. VisioNFC – NFC Forum

Adding NFC connectivity to wearables

• NFC IC combines:• NFC Controller

• Secure Element

• NFC Software in application

processor to drive NFC IC

• Antenna to interact with NFC

infrastructure

Application

processor

Memories

Drivers &

Displays

Capacitive

& buttons

ctrl

BTLE /

WiFi

Optionally

camera

MCU

MEMS

Heart Rate

DMIC

USB,

PMU,

audio

Generic Wearable Architecture

NFC + SE IC

NFC SW

NFC antenna


Secure services in the mobile phone

Friction around SE in mobile devices

– Expensive, complex and proprietary SE and SP TSM setup

to deploy and maintain secure services

– Commercial friction between SPs and SE owners

Resulting in

– Few, fragmented commercial deployments on single or few

payment card instances

– No single and simple user experience possible across

different secure services

– Limited user acceptance. Limited, slow mass deployments

Reality to-date

• Cost for OEM to enable & manage an eSE

• 2M$ to enable a SEI TSM (example)

• >100k$/month maintenance (example)

• Complex onboarding of service providers

• 250k$ to integrate each new SP-TSM (example)

Barriers to fast adoption

► Only major OEMs ready to invest (eg Apple,

Samsung)

► Very focused application deployments (payment)

► Limited phone models with SE leading to emergence

of alternative solution (e.g. HCE) allowing SP to

enable their service


Wearable vs smartphone

• Mobile Platform independent

• Smartphone acts as a bridge to SE

through BT connectivity

• Improved user experience

• Price

• Mobile platform dependent

• Access to SE dependent upon OEM or

MNO (SE owner)

• Non unified user experience (SP view)

SmartphoneWearable


a paradigm shift for Secure NFC applications

Service Providers and Application Developers :

“Access the Secure Element as easily as just any other resource of the mobile device”

► The SE enabled as just another resource of the mobile

phone

► No more expensive integration costs and complexity for

the Service Provider

► Any SP, independently on size and scope, can deploy his

secure application on a mobile device

► Easy commercial agreements using the “secure

application store” concept.

► End users can install any secure applications of their

choice, and manage them as they like

Open SE

► Includes the disrupting new feature called SEMS (Secure

Element Management Service) which is at the heart of the

Open SE concept

► SEMS is being standardized in Global Platform

SEMS


Open SE: Key ingredients

► Scalability & Faster Time-to-market One script used across multiple Mobile devices

The same card content management operations as GP

► Lower complexity & Service operating cost Plugin replacement for traditional online SEI-TSM

One real-time connection (SP-TSM Mobile Device)

reduces system testing and minimizes risk of failure

Access to secure elements scaled from 10’s of service

providers today to 1000’s

75%* lower setup and maintenance costs compared to

HCE and legacy SE-based services

► Flexible business model Multiple entities can play the role of the root entity

Coexistent with SEI-TSM based model

► The Secure Services Development

Platform (SSDP) a set of HW and SW tools, source code, use cases

examples, documentation, test root entity and

support to facilitate the deployment of secure element

based services based on the NXP innovative SEMS

functionality and such as

Payment, access, transit, digital ID, etc

MIFARE based applications (through MIFARE

Open Platform)

SSDP Contact ->www.themobileknowledge.com


• Secure services based on NFC technology widely extended worldwide

• NFC + wearable as an new business opportunity

• Independent from smartphone vendor

• Open SE concept simplify the remote previsioning of secure services to the SE located

in the wearable• SEMS functionality to manage the SE content

• SSDP platform as the complete reference development platform for developers

• All SPs, independent from size and power, can deploy their applications to the

wearable platform of choice

Summary


Thank you

[email protected]

VISION OF NFC TECHNOLOGY: PASSIVELY-OPERATED HEALTH MONITORING

Apiwat Thongprasert, Silicon Craft Technology

Apiwat Thongprasert

Sr. Business Development Manager

June 15, 2016

Vision of NFC Technology: Passively-Operated Health Monitoring

• A significant increase in the number of NFC phones in the marketplace, which will validate and enable new applications.

• NFC smartphone is to become an IoT gateway, which enable new healthcare applications.

• Highly secure and easy transfer of user information and medical records

• NFC Passively-Operated Healthcare Applications broader than just payments and transportation.

Trends in Healthcare Technology

Activity Monitor

NFC function

Data transfer Personalization Data logging Device setting Bridge to internet

Glucose Meter

Blood Pressure

Medication

SD Glucose Biosensor NFC: http://sdbiosensor.co.kr/SD_NFC/2288?ckattempt=1#noneA&D Activity Monitor: http://www.aandd.jp/products/medical/bluetooth/uw101nfc.html

NFC Usage in Healthcare Products

SIC’s NFC Approaches in IOT Application

• Extend capability of NFC phone (NFC phone as an IoTGateway).

• Disposable Batteryless: capable of providing enough energy to supply

external device(s).

Cost effective

Convenience in a small package

• Consumers do not have to carry additional devices.

• Simple tap-to-exchange technology requires no special training

#

NFC Passively-Operated for Health monitoring

“All in one” package Batteryless Cost effective Disposable Convenient way to link passive

device to the internet Information through NDEF

Highlight Features

The Idea of NFC Passive Sensor for Health Monitoring

Breakthrough

NFC Passive Sensor:• Integrated NFC interface, energy harvesting technology, and sensor biasing

circuit into single IC ; then combines with sensor to be “NFC-Enabled passive sensor”.

• No additional device is required, just “NFC-Enabled passive sensor” and NFC smartphone.

“A lot of information can be stored in the IC memory and send via the sensor by tapping NFC phone”

Example 1: NFC Passive Sensor

1. Drop 2. Tap

3. Measure & Link

(Body fluid)

3 Easy Steps to Track Your Health

#

NFC Passive Home Health Monitoring=

Simply by shifting to taking health into the hands,

very convenient. -Users

Real-time information and better patient management

-Professionals

NFC Passive Health Monitoring

• Measure nutrition facts of foods

• Measure of allergic ingredient in foods

• Measure intoxicate level

• Measure toxic substances

• Measure living condition (drinking water )

#

NFC Passive Solution to Lifestyle Behavior

NFC: ‘Tap and Connect’ capability.

The number of NFC smartphone is increasing.

NFC will become a standard feature for smartphone.

The passive sensor can be produces in card or smart label form factor; easy to carry.

No need additional device. Just NFC phone & passive sensor

NO BATTERY or power source connected

Harvesting energy from NFC smartphone.

Environmentally friendly with no battery required

Designed for disposable products

Affordable for a large quantity during marketing events

NFC: PASSIVELY OPERATED

CONVENIENCE

COST EFFECTIVEBATTERYLESS

SEAMLESSLY CONNECT TO

SMARTPHONE

Benefits of NFC Passively-Operated

NFC technology has become a standard communication feature on smartphones and other

devices.

NFC technology is compatible with a wide variety of passive health monitoring devices, giving

the opportunity to generate one of the world’s largest market.

Easy-to-use NFC passive health monitoring devices and convenient to access the reliable data

information.

NFC passive health monitoring allows to access the system convenient and easy-to-use devices.

NFC disposable passive healthcare applications (such as BioAge sensors and glucose sensors)

improve in hygiene and security .

NFC passive healthcare sensor without battery or external device that easy to carry.

NFC Health Monitoring Future Outlook

Q & A?

www.sic.co.th

[email protected]

Thank You

SiliconCraft 矽力肯科技

silicon craft technology

SiliconCraft_TH

http://www.sic.co.th/

mailto:[email protected]

LEVERAGING PUBLIC TRANSIT TO SPRINGBOARD WIDESPREAD ADOPTION –OPPORTUNITIES AND OBSTACLES

David Leininger, Dallas Area Rapid Transit (DART)

Comprehensive FarePayment System (CPS)

Update

(It’s no longer just about fares)

DART’s Electronic Payment Initiative

Presented by

David Leininger

Executive VP/CFO

Dallas Area Rapid Transit

CFPS Expanded Overview – A hybrid payment solution using mobile, contactless closed and open loop, mag stripe, and cash

A robust account-based payment solution which utilizes new innovative technologies which:

• Allows customers to obtain and purchase fares that are convenient and easy to understand using a variety of payment options, including mobile, contactless and cash;

• Creates a unified customer account of record;

• Allows for registration of all reduced riders using one platform;

• Allows customers to participate in fare capping on a daily and monthly basis;

• Significantly reduces the total amount of physical cash that the agency collects;

• Provides operational efficiencies across the agency as the system solution is less complex;

• Increases system reliability as there are fewer points of failures; and

• Permits a scalable design for future fare and third party payment initiatives such as integration with Uber, Lyft, and Taxi and sports and entertainment venues.

29

Evolution of the decision to move to an electronic (as opposed to fare) payments strategy

• Industry fare payment system situation assessment undertaken in 2011.

• Determination made that a major transition was underway from stored value to account-based and open payments, but it was in early stages of deployment.

• Election to adopt a comprehensive (all types of payment from all channels, including payments for sales of services other than transit) payment strategy and proceed first with mobile ticketing.

• RFP for mobile issued in spring of 2012; a contract to Unwire was awarded in October 2012; and full deployment occurred in September 2013.

30

Evolution of the decision to move to an electronic payments strategy

• In spring of 2014, fare collection vendors were invited to submit their own proposals for development and deployment of an account-based system.

• In summer of 2014, two vendors submitted full proposals and three others provided outlines of their proposed approach.

• In fall of 2014 a three-part solicitation (RFQ Level 1/RFQ Level 2/RFP) was released. Eight responses were received. Four were advanced to Level 2 function verification assessment. All four advanced to RFP submission phase.

• In September of 2015, a contract was awarded to VIX for comprehensive electronic payment system under a managed services, remotely-hosted solution.

31

Evolution of the decision to move to an electronic payments strategy

• DART elected to separately solicit and obtain a mobile ticketing agreement, awarded to Globe Sherpa (now moovel) in April 2016, which will include upgraded interfaces with Uber, Lyft, Taxi, and other ridesourcing services.

• DART also elected to separately solicit and obtain a retail distribution agreement, awarded to PayNearMe (in partnership with Blackhawk and Fidelity Express) in April 2016 which will serve over 900 locations and is integrated with mobile ticketing application.

• Full deployment is scheduled for March-August 2017.

32

Mobile Ticketing Solution Decisions

GoPass will be upgraded to version 2.0, and there will be a vendor transition to Globe Sherpa (now moovel)

• Quicker loading speed;

• Sign-in using email address;

• Provides direct customer feedback in app;

• Interactive route and system mapping;

• Customers can set up auto load for pass products;

• Purchase and display multiple rider fares on one ticket;

• Pay by using cash (proposed via retail solution);

• Supports NFC solutions: Apple Pay, Android Pay.

Passes will still require visual acceptance until NFC is fully deployed across all platforms33

Payment and Media Acceptance on VIX EMV ready validators

34

On-Board Validators (OBVs)

When a customer taps the validator, the screen will display:

• Green – valid ride

• Yellow – low balance, but current ride is valid

• Red – unacceptable

It is proposed that the OBV will be integrated with MDT to display the color and the message for the Operators.

35

Platform Validators (PVs)

When a customer taps the validator, the screen will display:

• Green – valid ride

• Yellow – low balance, but current ride is valid

• Red – unacceptable

• All light rail and TRE (~ 400 validators)

36

Retail Network Decisions

• DART issued a RFP for its Prepaid Payment Card and Retail Network (PPCRN) program and selected PayNearMe (PNM) as the retail network vendor.

• PNM, along with its partners, will provide over 900 retail locations within the DART Service Area for purchase of the DART extended-use card.

• Partners include Blackhawk Network, which provides access to the largest grocery store retail network; and Fidelity Express, which provides access to independent and small grocery operators.

• PNM also provides the option to use cash via the mobile app to obtain passes.

37


38


Customers can load value at:

• Various retail establishments

• Online

• DART Store

• or via Mobile

39

Fare Policy Decisions

DART system will require pay-as-you-go customers with contactless closed loop cards to tap on for payment (pass policy to be continued for mobile and TVM-issued magnetic strip media). Apple Pay will be supported.

DART CFPS will implement fare capping. These fare caps will be restricted to daily and monthly (both local and regional) caps initially in the system.

DART has determined that users must register their DART card, payment card, or mobile account to qualify for fare capping, as well as balance protection, and other loyalty program benefits.

40

CFPS Alternative Payment Initiatives

• Emerging payment integrations pose new challenges and opportunities.

• DART has introduced a subscriber-based third-party ridesourceservice using a closed loop card and which links a subscriber contribution with matching funds from DART.

• The current implementation is free standing but will eventually be integrated with the backend designed by VIX.

• This type of initiative takes DART completely out of the point-of-sale fare collection process and direct service delivery process and shifts us to customer mobility fulfillment and payment support.

41

Proposed ImplementationFull deployment by August 2017

• Pilot launch will occur during Fall/Winter 2016.

• Additional workshops throughout the agency will be conducted to develop additional business rules, policies, and procedures.

• Farebox and mobile ticketing updates will take place.

• Civil works will be performed at DART Rail stations.

• Revenue service first with mobile in June; full deployment in August.

42

What the future holds for NFC in the Public Transport sector? Progress…slowly, but certainly

• My intent in this presentation was to speak to the technology underpinnings that public transit agencies have to secure before there can be serious exploitation of NFC in this arena.

• It has taken transit agencies a fair amount of time to fully understand and appreciate the technical, operational, and financial issues associated with full deployment of an account-based system capable of accommodating modern forms of payment.

• Only Utah Transit and Chicago MTA have successfully deployed an account-based, open payment architecture and supporting backend. WMATA has dropped its efforts for the foreseeable future. SEPTA (Philadelphia) is two years behind schedule and will require another two years based upon current estimates. New York MTA has just released an RFP and acknowledge it will be 2019 or 2020 before they can deploy NFC contactless capabilities.

• Mobile ticketing platforms, an essential element of NFC deployment, have advanced more quickly but are still only available in a limited number of markets and rely largely on barcode and visual validation versus NFC.

• Developing a robust retail merchant network strategy, with open payment, contactless solutions for product purchase, account load and reload is only now being recognized as an essential element of a comprehensive payment strategy.

43

What the future holds for NFC in the Public Transport sector? Progress…slowly, but certainly

• The actual utilization of contactless credit cards in Chicago and Salt Lake City has been very low (and falling).

• Transit agencies have determined that the customers strongly prefer, for a variety of reasons, closed-loop contactless payment methods linked to a separate transit account.

• But the use case environment is rapidly changing in directions that will accelerate the reliance on NFC-based payment presentation solutions:

• Virtually all smart phones being manufactured and sold today are NFC-enabled.

• Considerable work by software developers has been done on the Android platform, and both Google Pay and Samsung Pay will become much more present in 2017.

• Apple Pay works.

• The major banks are getting beyond EMV conversion and say, once again, they will be deploying contactless cards in large quantities in 2017.

• In transit, a major step forward in the latter part of 2017 will be a Google Pay/five transit agency introduction of a feature which provides for the inclusion of a digital transit card within the Google wallet.

44

What the future holds for NFC in the Public Transport sector? Progress…slowly, but certainly…and then…suddenly!

• Major payment system deployments in public transit agencies require a minimum of five and often as many as seven years from RFP to system acceptance.

• It is likely that the top 25 transit markets in the United States will have issued RFPs for account-based payment solution, including mobile platforms, within the next three to five years.

• With New York likely to come on line by 2020 and the balance by 2022-2024, NFC-based payment solutions will “suddenly” achieve critical mass around 2022.

45

IN SUMMARY

Who knows what seven years from now will bring when new technology innovations are combined with a widespread payment infrastructure in virtually all major transit markets?!

46