In the Russian market NovaCard is a pioneer in the implementation of convergent solutions in the manufacture of products with NFC-technologies and the service management of their life cycle.
NFC (Near Field Communications) uses short range high-frequency wireless communication technology which allows the exchange of data between devices located within a few centimetres of each other.
More on NFC
NFC-technology allows the user to access a wide range of services using a mobile phone, the NFC-SIM-card of which carries a variety of applications and provides the opportunity to manage the card “profile”. This also allows the issuer to control the card life cycle “over the air” (OTA).
We offer:
- Product of evolutional progress of a form-factor of contactless card products – NFC-SIM-cards – allowing a mobile phone to become a virtual electronic “wallet” of different cards: bank, transport, discount and many others
- Production and personalization of NFC SIM-cards with different applications for the implementation of one or several functions
- TSM-service or the mobile operators and providers of service for secure data exchange and management of the life cycle of contactless applications.
NovaCard implements NFC-projects in cooperation with a strategic partner, Oberthur card Systems (OCS), one of the world leaders in the deelopment of solutions based on smart-cards.
Such convergent solutions are of interest to:
Benefits of NFC
- The short communication range counters unauthorised data interception and increases transaction security
- Compatibility with the existing infrastructure of contactless terminals allows use of the technology for a wide range of existing services
- Low cost of the chips makes the solution viable for mass-market use
- Use of existing certified data transfer standards
- For quick payments of up to one thousand rubles – it is not necessary to
- enter a PIN-code,
- to sign a cheque,
- to run applications on the phone,
- to send SMS messages.
Benefits of NFC for the mobile operator
- Increased use of mobile phones
- Ability to offer innovative services
- Competitive advantages for customer retention
- Scalable interaction model (simple model, delegated management)
- Access to new inter-industry financial flows (rental of memory on the SIM-card, key management, activation/management of applications, connectivity between platforms)
- Increased revenue from user traffic (card management, tag reading)
- Increased revenue from new services
- Retention of the operator’s preferred operational model
NovaCard offers NFC-solutions: for banks, mobile operators, retailers and transport operators for the production and personalisation of NFC-SIM-cards carrying applications able to perform one or more functions.
Alternative solutions for NFC-project implementation.
Advantages
- NFC is universal and the most common secure element (SE) technology
- A portable solution with a long life-span
- It can be managed by standard OTA technology
- The growing number of phones with NFC-support
Drawbacks
- It assumes B-2-B-2-C cooperation between MNOs
- Limited storage capacity (2, 4 or 8 Gb)
NFC-telephone with built-in SE
Advantages:
- It is independent of MNO
- The NCI protocol is standardised by the NFC Forum
Drawbacks:
- Cannot be replaced
- Properties are dependent on the phone manufacturer
NFC-adaptor
Advantages:
- It is independent of MNO
- Portability and popularity (In 2009: 43% of all phones and 100% of the most popular)
- The NCI-protocol is standardised by the NFC Forum
Drawbacks:
- SE management
- Distance range
Adaptors specified for particular phones
Advantages:
- Portability and compatibility with advanced phones
- Fast launch on the market
Drawbacks:
- Assumes B-2-B-2-C cooperation between MNOs
- Lack of compatibility
NovaCard offers TSM (Trusted Service Manager)-services:
- A platform providing secure data exchange between the end-user and the service provider
- Life-cycle management of contactless applications
- Remote SE personalisation and OTA content change
More on TSM
Main functions of a TSM operator:
- Providing communication between the mobile operator and the service provider
- Guarantee of secure data exchange
- Life cycle management of contactless applications
- OTA loading and personalisation of contactless applications
- Activation and deactivation of services
- Updating the user interface
- Management of the NFC client data-base
- Updating of EMV-balances (balance of Europay, MasterCard, and Visa cards) during payment
- Management of value-added services such as ticket re-registration
- Management of keys for secure access to the application.
We are always ready to discuss your needs and to offer the most effective solutions based on NFC-technology.
