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CSCIP Module 7 Module 4: Smart Card Usage Models – Mobile and NFC Smart Card Alliance Certified Smart Card Industry Professional Accreditation Program Smart Card Alliance © 2015 CSCIP Module 4 - Mobile-NFC FINAL – Version 4 – May 7, 2015 1 For CSCIP Applicant Use Only About the Smart Card Alliance The Smart Card Alliance is a not-for-profit, multi-industry association working to stimulate the understanding, adoption, use and widespread application of smart card technology. Through specific projects such as education programs, market research, advocacy, industry relations and open forums, the Alliance keeps its members connected to industry leaders and innovative thought. The Alliance is the single industry voice for smart cards, leading industry discussion on the impact and value of smart cards in the U.S. and Latin America. For more information please visit http://www.smartcardalliance.org. Important note: The CSCIP training modules are only available to LEAP members who have applied and paid for CSCIP certification. The modules are for CSCIP applicants ONLY for use in preparing for the CSCIP exam. These documents may be downloaded and printed by the CSCIP applicant. Further reproduction or distribution of these modules in any form is forbidden. Copyright © 2015 Smart Card Alliance, Inc. All rights reserved. Reproduction or distribution of this publication in any form is forbidden without prior permission from the Smart Card Alliance. The Smart Card Alliance has used best efforts to ensure, but cannot guarantee, that the information described in this report is accurate as of the publication date. The Smart Card Alliance disclaims all warranties as to the accuracy, completeness or adequacy of information in this report. Smart Card Alliance © 2015 CSCIP Module 4 - Mobile-NFC FINAL – Version 4 – May 7, 2015 2 For CSCIP Applicant Use Only Table of Contents 1 INTRODUCTION ................................................................................................................................. 5 2 SMART CARD DRIVERS AND BENEFITS ..................................................................................... 6 2.1 STRONG SECURITY .............................................................................................................................6 2.2 MULTIPLE APPLICATIONS ..................................................................................................................6 2.3 CONSUMER AND MOBILE OPERATOR CONVENIENCE .........................................................................6 2.4 NEW REVENUE OPPORTUNITIES AND BUSINESS MODELS ..................................................................7 3 MOBILE TELECOMMUNICATIONS .............................................................................................. 8 3.1 SIMS AND MOBILE NETWORKS..........................................................................................................8 3.2 USAGE MODEL FOR SIMS AND UICCS FOR MOBILE DEVICES ...........................................................9 3.3 TECHNOLOGY .................................................................................................................................. 12 4 UICCS .................................................................................................................................................. 14 4.1 UICCS AND MOBILE NETWORKS ..................................................................................................... 14 4.2 USAGE MODEL FOR MOBILE DEVICES ............................................................................................. 14 4.3 TECHNOLOGY .................................................................................................................................. 15 5 NEAR FIELD COMMUNICATION (NFC) ..................................................................................... 16 5.1 NFC APPLICATIONS ......................................................................................................................... 16 5.1.1 Transit and Ticketing ........................................................................................................ 17 5.1.2 Payment ............................................................................................................................ 17 5.1.3 Advertising, Promotions and Information Access ............................................................. 18 5.1.4 Connectivity ...................................................................................................................... 18 5.1.5 Maximizing other Wireless Platforms ............................................................................... 18 5.1.6 A Day in the Life of an NFC Mobile Phone ...................................................................... 19 5.2 NFC TECHNOLOGY .......................................................................................................................... 21 5.3 NFC MOBILE ECOSYSTEM AND CONVERGENCE WITH CONTACTLESS CARD TECHNOLOGY ............. 23 5.3.1 Key Functionalities ........................................................................................................... 24 5.3.2 Ecosystem Players............................................................................................................. 24 5.3.3 Key Factors in Building a Successful NFC Mobile Ecosystem ......................................... 25 5.3.4 Conclusion ........................................................................................................................ 26 5.4 THE NFC FORUM ............................................................................................................................. 27 5.5 NFC DEPLOYMENT STATUS ............................................................................................................. 27 5.6 SECURITY AND NFC APPLICATIONS IN CARD EMULATION MODE ................................................... 28 5.6.1 Secure Element Enabled Card Emulation ......................................................................... 29 5.6.2 Host Card Emulation ........................................................................................................ 34 5.6.3 Application Identifier Routing for SE and HCE Implementations .................................... 35 5.6.4 Security Trade-Offs ........................................................................................................... 35 5.6.5 Summary ........................................................................................................................... 38 5.7 STATUS OF NFC TECHNOLOGY ........................................................................................................ 38 5.7.1 Standards .......................................................................................................................... 39 5.7.2 Certification ...................................................................................................................... 40 5.7.3 NFC Device Availability ................................................................................................... 40 6 SAMPLE SMART CARD MOBILE AND NFC MODELS ............................................................ 42 6.1 GSM AND SUBSCRIBER PRIVACY ..................................................................................................... 42 6.2 NFC-ENABLED MOBILE MARKETING .............................................................................................. 43 6.2.1 NFC-Enabled Mobile Marketing Participants and Process ............................................. 43 6.2.2 Security and Mobile Marketing ......................................................................................... 44 7 RELEVANT STANDARDS AND SPECIFICATIONS ................................................................... 46 Smart Card Alliance © 2015 CSCIP Module 4 - Mobile-NFC FINAL – Version 4 – May 7, 2015 3 For CSCIP Applicant Use Only 7.1 STANDARDS RELEVANT TO SMART CARD PHYSICAL CHARACTERISTICS ......................................... 46 7.2 STANDARDS AND SPECIFICATIONS RELEVANT TO TECHNOLOGIES RELATED TO THE CARD INTERFACE ....................................................................................................................................... 46 7.3 STANDARDS AND SPECIFICATIONS RELEVANT TO THE CARD COMMANDS AND APPLICATION DATA STRUCTURES .......................................................................................................................... 46 7.4 STANDARDS AND SPECIFICATIONS RELEVANT TO ISSUERS OR SPECIFIC INDUSTRY SECTORS .......... 47 8 REFERENCES .................................................................................................................................... 48 9 ACKNOWLEDGEMENTS ................................................................................................................ 50 Smart Card Alliance © 2015 CSCIP Module 4 - Mobile-NFC FINAL – Version 4 – May 7, 2015 4 For CSCIP Applicant Use Only 1 Introduction Smart cards are used extensively in the telecommunications industry worldwide. Eurosmart estimated that 5.1 billion microcontroller smart cards shipped globally for telecommunications applications in 2014. Eurosmart also estimated that 350 million NFC secure elements shipped in 2014, with growth forecast to 600 million in 2015. This module describes how smart cards are used in mobile and Near Field Communication (NFC) applications. After reviewing this module, CSCIP applicants should be able to answer the following questions:
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