Building the Bridge Towards an Open Electronic Wallet on NFC Smartphones

Kevin De Kock, Van Thierry, Glenn Herck, Rud Ergeerts, Frederik Beyers, Marc Schrooyen, Luc Ceulemans, Wante
Many recent initiatives indicate an evolution towards an open electronic wallet to perform all sorts of electronic transactions, like for example micropayments, loyalty, and transport ticketing. Furthermore, the smart phone is emerging as an indispensable tool for many, containing more and more personal information. Hence, it seems like the ideal medium for carrying the electronic wallet as well. The fast and intuitive touch-and-go philosophy and the integration in mobile devices, makes Near
more » ... ices, makes Near Field Communication (NFC) the perfect technology for an electronic wallet. However, the complex ecosystem is holding back the worldwide integration of this technology in mobile handsets, resulting in a low market penetration of NFC smartphones. This paper discusses the use of an active NFC Bluetooth sticker as an intermediate step towards an open electronic wallet on NFC smartphones. Two requirements are set: backwards compatibility with an existing DESFire smart-card solution and support for all the different smart phone platforms. The first requirement will be satisfied through the deployment of a DESFire emulator on the Java Card of the NFC Sticker. The second requirement will be fulfilled by using the Smart Card Web Server functionality of the secure element, which will provide a platform independent interaction with the content of the electronic wallet. Finally, the proposed solution was evaluated in terms of user-friendliness, transaction speed, compliance with the imposed requirements and feasibility of success in the current NFC ecosystem.