Abstract
Since the earliest ages, the human being has not ceased to develop its system of exchange of goods. The first system introduced is barter, it has evolved over time into currency by taking various forms (shells, teeth, feathers, etc.). The evolution of micro-electronics has favoured the appearance of a new form of payment that is the credit card. Currently it is the most used means of payment throughout the world. Today financial institutions want to replace the credit card by mobile phone for the implementation of contactless payment systems via NFC. This mode of operation is called Host Card Emulation or HCE. We will present in this article the basic element at the heart of this technology, which is the Secure Element. We will present the different forms that this element can take and possible cases of use of this technology for the establishment of an ecosystem of payment by mobile or purchase tickets transport.
Highlights
RFID (Radio Frequency Identification) is an automatic identification technology that first appeared during the Second World War, to identify friendly or enemy aircraft in airspace
The advances of this technology have continued through the years, giving rise to the passive tag "Smart Tags" which are smart chips comprising a programmable chip enabling once powered by an electromagnetic field by a responder transmitter by an identification code via Its antenna, this unique identifier allows the remote identification of objects or persons
NFC (Near Field Communications) technology is a technology derived from RFID technology that was jointly developed by Philips and Sony in 2002, it is a Semi-Duplex communication protocol
Summary
RFID (Radio Frequency Identification) is an automatic identification technology that first appeared during the Second World War, to identify friendly or enemy aircraft in airspace. The use of this technology remained restricted to military use and control of access to sensitive sites, for example nuclear zones [1] The advances of this technology have continued through the years, giving rise to the passive tag "Smart Tags" which are smart chips comprising a programmable chip enabling once powered by an electromagnetic field by a responder transmitter by an identification code via Its antenna, this unique identifier allows the remote identification of objects or persons. Mobile payment is the driving force behind NFC technology over the past seven years, it is widely used in contactless mobile payment, VISA estimates that mobile payment via NFC will replace the bank card in the coming years, Most manufacturers of smartphones have equipped their devices with this technology, according to a latest study conducted by IHS Technology, shipments of NFC chips are expected to increase to 756 million by 2015, against 444 million by 2014, today NFC technology has arrived at A very mature level, but the five years will prove more fruitful with 2.2 billion deliveries of NFC handsets by 2020 (Figure 1) [2]
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