Alliance Activities : Publications : Payments : Mobile Payments/NFC

Publications – Payments – Mobile Payments/NFC

The Smart Card Alliance Mobile and NFC Council developed this primer to provide an educational resource on Bluetooth low energy, describing what it is, how it’s used, how it fits with other mobile technologies, and what security aspects should be considered for BLE-enabled applications.

The Smart Card Alliance developed this white paper to educate stakeholders across the payments value chain about the critical aspects of deploying an EMV solution in their business environments in the U.S. The white paper describes the current state of the payments infrastructure in the U.S., discusses the impact of the global deployment of EMV on possible roadmaps, and provides a primer on EMV card authentication, cardholder verification and transaction authorization methods. For each stakeholder (issuers, merchants, acquirers/processors and ATM owners), the white paper outlines actions that need to be taken to issue EMV cards, and to accept and process EMV transactions.

The Smart Card Alliance developed this white paper to describe chip-enabled mobile marketing and discuss the value propositions and implementation approaches. The white paper includes an overview of mobile marketing applications and approaches, the value proposition of chip-enabled mobile marketing, use cases for chip-enabled mobile marketing (with 20 pilots or commercial services profiled), and implementation approaches.

The Smart Card Alliance Payments Council developed this white paper to describe the changing U.S. payments landscape for purchases at physical stores. The white paper reviews new innovations in payment trends and devices, discusses the impact on EMV migration, and offers perspectives on how these trends are changing the way consumers pay and merchants accept card-present transactions.

The Smart Card Alliance Payments Council developed this white paper to describe the value propositions of contactless EMV payments for issuers and merchants. The white paper provides a fresh look at contactless payments in the current U.S. payments environment that is embracing both EMV and NFC-enabled mobile devices.

This Smart Card Alliance Payments Council webinar discussed the opportunities that contactless EMV payments offer to issuers. The webinar answered the most important questions about the adoption of contactless payments, such as: how contactless fits into today’s payment industry; what is different from earlier adoption attempts; and why the ideal time to go contactless is now.

This Smart Card Alliance Payments Council webinar discussed the opportunities that contactless EMV payments offer to merchants. The webinar answered the most important questions about the adoption of contactless payments, such as: how contactless fits into today’s payment industry; what is different from earlier adoption attempts; and why the ideal time to go contactless is now.

The Smart Card Alliance Payments Council developed two infographics to summarize the benefits of contactless EMV payments for issuers and merchants. View the infographics.

This Secure Technology Alliance Payments Council webinar discussed the status of U.S. and global contactless deployment, the issuer benefits of contactless payments and key issuer implementation considerations.

This Secure Technology Alliance Payments Council webinar discussed the status of U.S. and global contactless deployment, the merchant benefits of contactless payments and key issuer implementation considerations.

This white paper was developed by the Secure Technology Alliance Payments Council to discuss the challenges of issuing, accepting and processing ISO/IEC 14443/NFC contactless transactions and to help the market work through pre-EMV and post-EMV challenges to promote contactless issuance and acceptance.

This document was developed to address questions raised by the media about the security of contactless payment transactions and the risk of fraud to consumers.

This U.S. Payments Forum white paper provides guidance to assist merchants, acquirers and issuers with contactless payments implementation.

This white paper was developed by the Secure Technology Alliance Payments Council to provide a primer on the EMVCo Payment Account Reference (PAR), document expected use cases for the PAR and describe the impact of PAR implementation on key payments ecosystem stakeholders.

The Smart Card Alliance Mobile and NFC Council and Payments Council developed this white paper to explain how EMV and NFC are companion technologies and clarify how they work together to enable secure payments.  The white paper discusses the current status of EMV chip migration in the U.S., predictions for contactless payment, the intersection of EMV contact, contactless and dual interface chip cards and mobile NFC devices for payment, and key considerations for contactless payment implementations.

This U.S. Payments Forum white paper provides guidelines and best practices for accepting contactless transactions completed with Near Field Communication (NFC)-enabled mobile wallets and contactless-enabled chip cards at the ATM.

The Smart Card Alliance Mobile and NFC Council developed this white paper to provide an educational resource on host card emulation (HCE), describing what it is, how it’s used, how it compares with the secure element (SE)-based card emulation approach, what key considerations are for payment applications, and what security aspects should be considered for HCE-enabled applications.

The Smart Card Alliance Mobile and NFC Council hosted this webinar to describe Host Card Emulation (HCE), discuss security approaches that can be used to mitigate HCE-related risks and describe real-world HCE implementations.

The Smart Card Alliance Mobile and NFC Council, in partnership with GlobalPlatform and the NFC Forum, hosted a series of four webinars on mobile and NFC security fundamentals. The goal of the webinar series was to provide an educational resource for mobile application developers and the mobile community on the choices for security implementations for NFC applications.

The U.S. Payments Forum Mobile and Contactless Payments Working Committee developed this white paper to provide guidance on how mobile and contactless payments requirements are collected from payments ecosystem stakeholders.

The U.S. Payments Forum Mobile and Contactless Payments Working Committee developed this white paper to provide guidance to merchants and financial institutions on models, technologies and usage drivers for mobile and digital wallets.

The Smart Card Alliance Mobile and NFC Council developed a reference guide to mobile/NFC standards and an interactive PowerPoint tool to educate industry stakeholders broadly on the standards, specifications and certification requirements for the NFC ecosystem. The resources list standards and specifications that are relevant when deploying different NFC applications.

The Smart Card Alliance developed this white paper to provide an overview of the current state of the market for mobile payments and NFC-enabled payment applications in the U.S and to discuss the advantages and disadvantages of different mobile payment approaches. The white paper describes mobile financial applications in use today, discusses the different mobile payments approaches, provides an update on the status of NFC mobile contactless payments infrastructure in the U.S., and evaluates how different mobile payment approaches fulfill overall market requirements.

The Smart Card Alliance Mobile and NFC Council hosted a series of webinars to describe the wide variety of NFC applications and the ecosystem participants that are involved in delivering those applications.

This FAQ was developed by the Smart Card Alliance to answer questions about Near Field Communication (NFC) technology and NFC-enabled applications.

This white paper was developed by the Smart Card Alliance Transportation Council to discuss mobile applications that are relevant to the transit industry and to provide an overview of the benefits and implementation considerations for NFC applications.

This white paper was developed to provide an overview of the ecosystem of proximity mobile payments. It introduces the stakeholders in the mobile payment ecosystem and describes their roles and responsibilities in assuring the security of sensitive data. It explains how the payment application, consumer credentials and consumer account information are securely delivered to, loaded on and stored in a mobile device. It explains how a mobile device transmits data to a merchant at the point of sale, identifies risks present during the lifecycle of the payment device, and suggests countermeasures. It also identifies industry standards and certifications organization organizations that address this ecosystem.

This white paper was developed by the Secure Technology Alliance Mobile Council to provide an educational resource on the TEE and relevant use cases.  The white paper describes the TEE as a candidate for a mobile security solution that supports a wide range of use cases, such as payment apps, content protection, corporate applications, and loyalty.