NFC technology has arrived in the mainstream. Many people associate contactless with payment or the replacement of a QR code. But there are many more interesting applications, especially when NFC and security are combined. We will illustrate this with practical use case examples from around the world from diverse industry verticals, such as anti-counterfeiting, home healthcare and enterprise access control, while also highlighting some of the challenges of deploying NFC at scale into fixed infrastructure.
Having led some of the largest implementations in the world, we are excited to be joined by HID Global and Cubic Transportation Systems for this presentation.
Key takeaways from this presentation will be to gain:
-A better understanding of how NFC technology is streamlining operations
-Insights into how NFC technology is improving the user experience
-Firsthand information from use case examples on the challenges and success of global NFC deployments including Digital Wallets
Kotlin Multiplatform & Compose Multiplatform - Starter kit for pragmatics
Beyond Payment: Deploying NFC at Scale
1. The NFC Forum mark is registered in the U.S. and other countries.
BEYOND PAYMENT:
DEPLOYING NFC AT SCALE
Webinar
2. HOUSEKEEPING
● Control Panel:
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Questions will be answered at the end of the
presentation, time permitting.
4. OUR PRESENTERS
Richard Aufreiter
VP Product Marketing, Identification
Technologies, HID Global
Paul Monk, CEng CITP MBA
Senior Product Director, Mobile, Cubic
Transportation Systems
5. AGENDA
● About the NFC Forum
● HID Global NFC Reader Mode and NFC Card Emulation Mode
● Cubic Introduction to Digital Transit Cards
● Closing Remarks and Q&A
7. CONTACTLESS ADVOCATES
The NFC Forum is comprised of 250+ member
organizations including some of the most familiar
global technology and consumer companies who
actively collaborate with dozens of adjacent technical
bodies to deliver technology, transport, digital key,
packaging, and automotive solutions.
8. ALL IT TAKES IS A TAP
Near Field Communication (NFC) is a
standards-based short-range wireless
technology that makes life easier and more
convenient. With a range of 2cm and the ability
to share power across connections, NFC is
finding its way into most everything.
9. CONVENIENT & PERVASIVE
Key takeaways from a recent ABI Research report across
nine different countries covering a variety of age ranges
revealed that:
● 85% of consumers use NFC technology
● Beyond mobile payments, public transportation is a
key driver for contactless use cases.
● Also becoming increasingly important is Tapping
consumer products and unlocking doors
● Nearly half prefer using their mobile phone or
smartwatch over a contactless card
10. Part of ASSA ABLOY
Beyond Payment:
Deploying NFC at Scale
Richard Aufreiter,
VP Product Marketing, HID Global
11. Part of ASSA ABLOY
A few words about HID Global
NFC Reader Mode:
Trusted NFC Tags
Use case examples for Trusted Tags
NFC and RAIN® RFID
NFC Card Emulation Mode:
Access Control
NFC Peer to Peer Mode:
Mobile ID
Agenda
12. Part of ASSA ABLOY
The global leader in access solutions
Operates in 70+ countries
>51,000 employees
>$11 bn revenue
Top recognized brand for access control
worldwide
Headquarters in Austin, Texas
>4,500 employees globally
Billions of RFID products sold
About ASSA ABLOY & HID Global
Identification Technologies (IDT) is a
Business Area within HID Global
Design & manufacturing of
Smart Components
Enabling identification
solutions through services
13. Part of ASSA ABLOY
NFC Operation Modes
Reader/Writer Mode
The NFC phone reads or writes tags
Read posters
Interactive advertising
Launch mobile internet, SMS or
make a call
Peer-to-peer Mode
NFC devices can exchange data
Setup Bluetooth / Wi-Fi
Share business cards
Card Emulation
The NFC phone emulates a
contactless card
Payment
Ticketing
Access control
14. Part of ASSA ABLOY
[URL]
www.service.com
[URL]
www.service.com
Most NFC uses focus on “convenience”
15. Part of ASSA ABLOY
How most NFC Tags are used
[UID]
03 B4 25 FF A1 35 80
[URL]
www.tag.com
[URL+UID]
www.service.com?03 B4 25 FF A1 35 80
[URL]
www.service.com
Option 1
Option 2
Constant URL stored on Tag, Write locked
All tags have the same URL
Upon tap, the NFC phone will open its browser and
access the URL provided by the tag
URL Combined with Tag UID, Write locked
URLs unique by tag, but may be copied
Upon tap, the NFC phone will open its browser and
access the URL provided by the tag with
UID as parameter
16. Part of ASSA ABLOY
No Security in Standard Configuration
Option A
Option B
Copy the tag
Use one of many free NFC apps from App Stores
Read Tag 1 copy content to Tag 2
Remember the URL
Bookmark the URL after the first tap in your browser
or publish/retrieve it from Social media sites etc.
The server will not notice a difference from a tapped
tag!
For some use cases this is critical, for others not
[URL+UID]
www.service.com?03 B4 25 FF A1 35 80
[URL]
www.service.com
[URL]
www.service.com
17. Part of ASSA ABLOY
Trusted NFC Tags Overcome these Limitations
Frictionless Trusted
Benefits:
- Easy customer adoption
- Simple integration
Benefits:
- Unclonable Tags
- Proof of presence
19. Part of ASSA ABLOY
HID Trusted Tags are NFC Forum Tag Type 4 compliant and work on several chip
platforms with any NFC forum compatible device without requiring special apps!
How Trusted Tag works
http://…ABCD
Tap
http://…7635
Tap
http://…7635
Refresh
http://…B423
Tap
20. Part of ASSA ABLOY
Brand protection & Anti-counterfeit
Trusted Transactions
Prevent
counterfeiting
and warranty
fraud while also
engaging with
the consumer
Controlled
Sweepstakes,
loyalty point
issuance, small
data analytics
Proving that a
person is where
they said they
are (or were) –
even indoors
Secure Proof of Presence
Guard Tour
Maintenance & Inspection
Home Healthcare “EVV”
Trusted NFC Applications
21. Part of ASSA ABLOY
Berkel meat slicers are subject to counterfeiting.
The company decided to take advantage of Near Field Communication (NFC) technology to ensure proper
product authentication.
Example: Brand Authentication
Starting at pre-purchase, customers
can authenticate the Berkel brand by
verifying the trusted NFC tag via
their smartphone and get interactive
services.
See Case Study
22. Part of ASSA ABLOY
Protecting Against Counterfeiting
Verify authenticity of each coin via Smartphone
Receive additional information details
High-security NFC chip technology
HID Trusted Tag® Cloud Authentication service
See Case Study
23. Part of ASSA ABLOY
Integration of NFC technology into sapphire glass of
watches in a way that the RFID part is invisible and
does not impact the design of the watch.
The company aims to equip all high-end watch brands
with STISS glass for digital use cases, such as
contactless payment, access, transport or
authentication via blockchain – while maintaining the
beauty and mechanical design of an analog watch.
RFID coils manufactured with DBond™ technology from
HID Global are powering NFC in STISS’s sapphire
glass.
ID Glass technology improves the traceability of
watches, strengthens relationships with end customers
and offers a unique and tailor-made concierge service.
NFC Functionality in High-End Watches
24. Part of ASSA ABLOY
NFC / RAIN® RFID (UHF) Combo
NFC and RAIN® RFID (UHF) do not exclude each other. A whole range of combo-transponders are possible
e.g. hard tags, inlays or even high-security smart papers that embrace both technologies and add physical security.
• NFC enables short-distance interaction with smartphones and other devices. HID Trusted Tag® Services authenticate the
item without the need for special APPs.
• RAIN® RFID (UHF) enables long-distance bulk and logistics interactions. Both technologies combined in the same chip
optimize handling and data consistency.
25. Part of ASSA ABLOY
NFC Operation Modes
Reader/Writer Mode
The NFC phone reads or writes tags
Read posters
Interactive advertising
Launch mobile internet, SMS or
make a call
Peer-to-peer Mode
NFC devices can exchange data
Setup Bluetooth / Wi-Fi
Share business cards
Card Emulation
The NFC phone emulates a
contactless card
Payment
Ticketing
Access control
26. Part of ASSA ABLOY
Components of a typical NFC Access Control System
Wireless Mobile ID Management
Physical Access Control
27. Part of ASSA ABLOY
The Move to Digital Credentials
PHYSICAL WALLET DIGITAL WALLETS
• Access Control Cards
• Government Credentials
• Payment
• Loyalty Cards
• Transport Tickets
• Event Tickets
• Smartphones
• Wearables
• Biometric Cards
User Dependency on Device
Users rarely forget or lose their device so
access credentials are always available
Secure
Multi-factor authentication on device
Onboard Secure Element for credential
storage
Convenient
Easy to carry – device is already on your
person
Automated Credential Lifecycle Management
Cost Efficient & Sustainable
Reduces cost of card lifecycle management
Minimizes impact of supply constraints
Reduces Eco waste
28. Part of ASSA ABLOY
Jamf – “It’s On Your iPhone Now…” https://www.youtube.com/watch?v=pKxr-PCOYg8
29. Part of ASSA ABLOY
Credentials in Apple Wallet Overview
Allows participating organizations to add
student IDs, employee badges and room
keys to Apple Wallet on iPhone and Apple
Watch
Uses Near Field Communication (NFC)
technology to provide a seamless and
exceptional user experience
Leverages the same Secure Element as
payment and transit cards in Apple Wallet
Integrated in “find my …” functionality
2022 NFC Innovation Award for
representing a digital transformation in how
individuals can navigate modern building
environments (university, enterprise
and hotels)
30. Part of ASSA ABLOY
Credentials in Apple Wallet: Transforming the Access Market
HID Seos-Enabled
Student ID in Apple Wallet
Launched 2018/2019
HID Seos-Enabled
Employee Badge in Apple Wallet
Launched February 2022
ASSA ABLOY Global Solutions
Room Key in Apple Wallet
Launched December 2021
31. Part of ASSA ABLOY
NFC Operation Modes
Reader/Writer Mode
The NFC phone reads or writes tags
Read posters
Interactive advertising
Launch mobile internet, SMS or
make a call
Peer-to-peer Mode
NFC devices can exchange data
Setup Bluetooth / Wi-Fi
Share business cards
Card Emulation
The NFC phone emulates a
contactless card
Payment
Ticketing
Access control
32. Part of ASSA ABLOY
Utilizing NFC to create a Secure Communication Channel
between Mobile Devices (e.g. driving license check)
ISO/IEC 18013-5 and ISO/IEC 23220-4 define protocols for verification of mobile Driving License and mobile ID
The protocol is a two-step approach:
Engagement out of band, which could be QR or NFC NDEF Tag and where ephemeral pub key and transport information is shared
Retrieval phase then takes place over NFC (card emulation), BLE or Wi-Fi at higher distance to follow-up
Advantages:
Intuitive engagement / user consent
More reliable than QR code which is depending on light
Secure and fast data transmission at medium distance after engagement
Only relevant data is transferred
See goID Solution Example
33. Part of ASSA ABLOY
Thank you
hidglobal.com/rfid
Contact information
Name: Richard Aufreiter
Title: VP Product Marketing
Email: raufreiter@hidglobal.com
35. CUBIC PROPRIETARY | Overview
Cubic - Building A Smarter Tomorrow
Cubic Transportation Systems is the leading
integrator of payment and information
solutions and related services for intelligent
travel applications in the transportation
industry.
36. Evolving Fare Media Timeline
CUBIC PROPRIETARY | Overview
Cubic has a long history of delivering
innovations, including many of the largest
contactless fare media installations in the world
37. Contactless Technology
CUBIC PROPRIETARY | Overview
Cubic developed own secure reader technologies since 1999
Adaptable to accommodate changes to ISO14443
Remote key management
Edge processing to enable real time fare logic processing
A large city deployment = ~ 30,000 readers
Employ memory-based transit cards (generally)
Enhanced to accommodate (contactless) bank card acceptance
Banking/PCIDSS security standards
Market dynamics now changing user behavior
Contactless is ubiquitous
Focus in transit now moving to mobile-centric experience
… and provisioning digital NFC credentials
38. Evolving Market Dynamics
CUBIC PROPRIETARY | Overview
Sustainability
Rising customer expectations
Space constraints
Funding constraints
Petro/gas tax pressures
Capitaless business models
Human connectivity
Fuel efficient cars
Processing power
Big data + analytics
Internet of things
Cloud
Urbanization
Population growth
Aging population
Millennials
Congestion at peak
39. A data-driven aggregation of real-time, historic
and predicted journeys that enables regions to
optimize in the current and the future
Broad proactive management of freeways,
highways, corridors and arterials at the
regional level
Adaptive real-time management of
intersections, corridors and grids in the urban
area
Predicted network conditions and journey
times pushed out across all modes
Analytic tools that enable real-time and long-
term network optimization
Cubic’s Strategic Response
CUBIC PROPRIETARY | Overview
A single mobility account for all of your
transportation needs
Integrates multiple identification media
(smartcard, bankcard, phone, license plate
etc.) to a single funding source
Enables a seamless, frictionless payments
experience as you travel in a multi-modal
fashion
Enables integrated policy that allows multi-
modal journeys to be priced as single journeys
Reduces operational costs through economies
of scale and eliminated redundancy
A common experience, digitally through a mobile
app, for all of your mobility needs in a region
An integrated digital travel experience that
links journey planning, to account
management, to virtual payment media in the
wallet
A predictive, personalized, and pushed
experience that gives you actionable insights
about optimizing your journey and anticipated
journeys
Provides opportunities for third parties to offer
value and services to travelers related to their
journey and location
Reduces the cost of servicing the traveler
Eliminate uncertainty
Reduce service costs
New revenue opportunities
Integrated policy
Reduced operations costs
Enhanced customer experience
Identify unknown relationships
Model + measure decisions & policy
Benchmark + measure performance
40. Creating a New Transit Icon
The most populous city in the United States, home to the New York City
Subway – one of the largest rapid transit systems in the world with 472
stations in operation; 1.7 + billion rides annually
20+ years customer relationship with the New York Metropolitan
Transportation Authority (MTA)
Greater convenience for riders, with personalized transit accounts to
see ride history, check balances, add value and report lost or stolen
cards to protect funds
Flexible new fare payment media, including credit and debit cards
and mobile devices at the bus or turnstile, while maintaining fare
card services for unbanked customers
Enhanced and integrated travel experience across the region
Decreased costs for the MTA: reducing the dispensing of fare media,
streamlining fare calculation and phasing out old and costly equipment
The Vision Becoming Real:
New York
CUBIC PROPRIETARY | Overview
41. Nation’s First P3 in Transit
One of the oldest public transit systems in the United States
1.17 million trips taken on Boston’s Massachusetts Bay Transportation
Authority (MBTA) services weekly
CTS’ contract is nation’s first public-private partnership fare payment
project in transit delivering cost savings and efficiencies to the MBTA
A next generation system compatible with all modes of transport; more
options for paying fares, with mobile payment, contactless debit or
credit cards and agency-issued fare media, ability to use mobile
phones as a ticket
Personalized transit accounts for riders to see ride history, check
balances, add value and report lost or stolen cards to protect funds
The Vision Becoming Real:
Boston
CUBIC PROPRIETARY | Overview
42. Revolutionizing the Complex Clipper System
One of the fastest growing transit systems in the U.S. transit industry
The most complex fare collection system in North America, due to the
over 35,000 business rules required by the 22 transit agencies
participating in the system
Today the Clipper card accounts for approx. 20 million fare
transactions each month and is used on more than 95% of transit trips
in the Bay Area
The contract with the San Francisco Bay Area’s Metropolitan
Transportation Commission (MTC) will revolutionize Clipper via a
range of new features including an integrated mobile app, the ability
to virtualize Clipper cards, upgraded retail services, and open
payments readiness
The Vision Becoming Real:
San Francisco
CUBIC PROPRIETARY | Overview
43. Advanced Technologies for Real Passenger Convenience
The go card system was the region’s first smart card-based
integrated ticketing system and covers over 87% of all travel on the
network and more than 90% of all train trips
Over 1.2 million rail, light rail, bus and ferry customers benefit from
the go card system
More than one billion trips have been taken since go card was
introduced to the network in 2008 and more than $31 million in top up
value is added each month
CTS’ contract with the Queensland Department of Transport & Main
Roads (DTMR) will be the first system-wide deployment of advanced
ticketing and payment technologies in Australia
Greater convenience for passengers – bankcards, mobile phones
and personal electronic devices including watches will be used to
pay for travel on public transport
The Vision Becoming Real:
Brisbane
CUBIC PROPRIETARY | Overview
44. Mobile Solutions
CUBIC PROPRIETARY | Overview
Superior customer experience
Rich traveler app to drive user adoption
Integrated account management, trip planning and real time
service information
Fully integrated experience via virtual contactless cards in
Google Wallet and ApplePay
Apple ExpressPay for seamless interaction
Deployed in Chicago, Los Angeles, San Francisco,
Washington DC
Upcoming rollouts in New York, Brisbane, Boston, San
Francisco (account-based) and others
47. Integrated Digital Cards
CUBIC PROPRIETARY
Driving user adoption through unparalleled simplicity
Full integration of fare media in Apple and Google wallet ecosystems
Wallet complements Mobile App by delivering basic use cases (in-wallet
provisioning, top-up, history) for visitors and infrequent users
Support for Apple Watch
Integration with native OS maps enables geo-fenced customer prompts
Wallet ecosystems support lost and stolen devices, card transfers,
replacements
Wallets aligned with associated transit fraud rules (e.g. prevent
swapping virtual cards between users, minimizing opportunities for
misuse)
Support built and deployed for Mastercard and DESFire across both
wallets
48. Reducing friction points to smooth passenger flow
Proprietary Apple solution to automatic transit card detection
Requires reader/infrastructure changes to accommodate experience
User can optionally nominate one digital card per city scheme
Additionally, one digital cEMV card can be selected for open loop systems
Closed loop city cards will always be accepted in preference
User is prompted through the process when a closed loop card is added
Accommodates reserve power operation on later handset models
CUBIC PROPRIETARY
Apple Express Transit
49. Lessons Learnt
CUBIC PROPRIETARY
Simplicity requires dedication to achieve
Digital cards require tight integration at all points in the ecosystem
All aspects of solution must be seamless
Wallet design is necessarily inflexible to ensure it remains consistent
for users. This drives change in solution and experience design
Integration requires comprehensive requirements and design review
process
Testing occurs across multiple phases, multiple environments, and
multiple teams
Emphasis is on zero defects, perfect experience, early – to de-risk
the wallet release
Success through tight team alignment and integration
The results and customer feedback are impressive, especially when
boosted by the wallet providers’ marketing machines.
50. • An integrated system that is
scalable to include other agencies
and modes
• Offers a new range of convenience
for MTA customers
• Contactless bankcards and mobile
ticketing
• Available for all modes of
transportation
Thank you!
www.cubic.com/transportation
52. BECOME A MEMBER
The NFC Forum offers four membership levels designed to match
your organization’s interests and market plans. All levels provide
excellent business networking and time-to-market opportunities.
● Adopter. Our entry-level membership for access to networking
and market requirements discussions. No Annual Dues.
● Associate. Monitor and influence key work items and
specifications for the NFC Marketplace.
● Principal. Strategic level of leadership, participation and
influence of NFC Forum deliverables and 1st Party Testing
Privileges.
● Sponsor. Shape the mission and direction of the organization
at all levels and for every market. Includes Board seat.
53. LEARN MORE ABOUT NFC
Visit the NFC Forum website and
social channels for all the latest news!
SEED Questions:
NFC tags are mostly known as labels, which other form factors do exist? (Richard)
Do you think existing transit systems will adopt mobile (such as London)? (Paul)
What is the business model of Trusted Tags? Is there a subscription fee for the authentication service? (Richard)
For mobile access, what happens if the battery of the phone dies? Can I still open doors? (Richard)
What makes transit so special for helping to boost digital adoption? (Paul)
Can card badges, phones and smartwatches be mixed in an access installation? (Richard)
How does a user get his credential enrolled to his phone or smartwatch? (Richard)