Abstract
Near Field Communication (NFC) is a shortrange radio communication technology that enables the contactless method of data transmission for mobile phones, tablets, PDAs, laptops, PCs, etc. One of the main features of NFC technology is that it provides contactless payments. People can use their NFC enabled digital devices to pay for products and services. They are also able to use NFC applications such as loyalty and ticketing apps. Secure and cost beneficial implementation as well as adoption of NFC technology has caused a delay regarding its popularity and usability amongst people. NFC payment is mostly on trial in different countries to examine the consequences of the collaboration between involved parties and also to investigate if people accept this new method of payment. Managing different NFC applications which contains sensitive information as well as not having complete set of standards to finalize the relationships between ecosystem stakeholders has created some issues that address the ownership, card personalization, manageability and flexibility of the NFC ecosystem. In this paper, we discuss different Secure Element (SE) architectures and argue that using the Cloud technology in mobile payments will resolve some of the current issues in NFC payments.
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