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NFC Concept Slides – Presentation Flow

NFC – What is NFC? How does it work? What are its common applications?

NFC Phone - Do all phones support NFC? Features available on NFC phones

NFC Customer Concept – What are Citibank, Nokia and Vodafone trying to do?

NFC Card – How will I apply for it?

NFC Card – How will I download it?

NFC Card – How will I use it?

NFC Card – Where can I use it?

NFC – What are the other services being offered?

NFC Coupons – How do I use it?

NFC Contact-less posters – How do I use it?

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What is NFC?

NFC is an acronym for Near Field Communication, a emerging technology

It is a wireless communication technology like Bluetooth, Infra Red on your mobile phones

It can be used to transfer data between 2 NFC enabled devices

NFC can be enabled on multiple daily use objects – Key Chain, Mobile Phone, Smart Card for use by consumers

NFC is commonly used in the Retail, Transit and Financial Services industries

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How does NFC work ?

NFC can be enabled on multiple devices for users: E.g., Card, Key-chain etc

The service provider (E.g., a MRTS transit company, a retailer, a bank etc) installs NFC readers at the location where the service is being provided (E.g., train station, retail outlet etc)

The user carries the NFC user device with him and ‘taps’ it against the NFC reader

Since NFC is a short-range, wireless communication technology, the ‘tap’ ensures a transfer of data from the NFC user device to the NFC reader

This data (ticket information, credit card information etc) is then transmitted by the reader to the back-end processing system for further processing

Using this technology, customers can benefit in multiple ways:

a) Load ticket information onto an NFC card and then tap the card at an NFC-enabled turnstile in the MRTS station to pay for train rides. Upon ‘tapping’ at the entry turnstile and the exit turnstile, the system will automatically deduct the value of the train ride from the pre-paid currency amount on the NFC card

b) Load credit card information onto an NFC phone and then tap the card at an NFC reader at a retail outlet to pay for a purchase. The purchase amount will get automatically charged to the credit card

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NFC Phone - Features

NFC is not supported on generic mobile phones in the market

Certain special phones with the NFC chip present on them can only support NFC currently.

The Nokia 6212 is the newest NFC phone available in the market

Feature set:

- 2 MP camera with 8x zoom

- 2” QVGA 240x320 color display (supports 16 million colors)

- Share photos and videos with NFC, Subscribe to special NFC

services (credit cards, transit ticketing_

- Office productivity (calendar, to-do list, notes)

- Built-in Stereo FM radio and Music Player

- Video recording and play-back

- Built in applications (Yahoo Go, Opera Mini browser, PC Suite)

- Internet browsing

- SMS / MMS / 2-way Video calling

- 22 MB internal memory and extendable micro SD card slot

- Hands-free Loudspeaker

- Voice commands and Voice recording

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NFC Customer concept – The Citibank, Nokia, Vodafone solution

Customers who are Citibank credit card holders and Vodafone subscribers can opt for this special service to be launched in Bangalore

All participants will be issued a virtual Citibank NFC Credit card.

A Nokia 6212 mobile phone will be made available for these participants

Participants can download their virtual NFC credit card onto their Nokia 6212 mobile phones

Once the credit card is on the NFC phone, participant can visit any of 500+ merchant outlets in Bangalore which will be equipped with NFC readers and will accept payments on MFC phones

Customers can avail special discounts at these merchants for using their NFC credit card to pay

Thus, these customers will not have to carry their plastic credit card along with them. They can now pay through simply ‘tapping’ a phone !

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NFC Card – How will I apply for it?

STEP 1: Citibank will send you a direct mailer to your mailing address explaining the service and asking for your consent for the service

STEP 2: If you are interested, you will need to fill up the attached application form, sign in the consent column and return the form to Citibank

STEP 3: Citibank will process your application form, open a virtual NFC credit card in your name and send you a letter with your credit card details, an explanation of the card download process and the address of the nearest Nokia Priority outlet where you can pick up your NFC phone

STEP 4: You should then take the letter you have received along with your ID proof and visit the Nokia Priority outlet where the customer service representative will verify your identity and hand over your new NFC Nokia 6212 phone (exchange your old phone for new, buy a second phone at a discounted price through an EMI scheme)

STEP 5: You can then download your NFC credit card onto your new Nokia 6212 phone by a standard download process (explained in the next section)

STEP 6: Once your credit card has been downloaded to your phone, you are free to go ahead and use the NFC credit card to make purchases at all participating merchant outlets

STEP 7: You can pay for these credit card purchases through the normal route (online banking, by physical cheque etc)

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NFC Card – How will I download my NFC credit card?

STEP 1: You will have to carry the physical letter of confirmation received from Citi to the designated Nokia Priority center and collect your Nokia 6212 NFC phone

STEP 2: The Nokia 6212 phone will have a pre-installed NFC wallet on the phone (wallet application). Upon opening the wallet for the first time, you will have to choose a 4-digit PIN which will be used to open the wallet every time henceforth

STEP 3: The wallet will prompt you to enter your credit card number over a GPRS Internet connection. After the credit card number entry, to verify the customer identity, 3 security questions will have to be answered by keying in the answers into the wallet (Date of Birth, Mailing address ZIP code and a secret 6-digit numeric code). To get the 6-digit numeric code, you have to send an SMS ‘NFC’ followed by the last 4 digits of your card number to 52484. You will immediately get a return SMS with the secret 6-digit code.

STEP 4: Once the information you have entered is verified, the virtual credit card information is sent Over The Air (OTA) on the existing GPRS Internet connection and written into the wallet. You can now open the wallet, choose the downloaded credit card and begin transacting

A sample GPRS download screen sequence

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NFC Card – How will I use the card?

STEP 1: You will need to open the wallet with your selected 4-digit wallet opening PIN

STEP 2: You will see the screen shown in the adjacent image (image 1). Select your NFC card with which you want to transact.

STEP 3: If you want, you can check the credit card details by clicking on the ‘Options’ > ‘View Details’ menu option (image 2)

STEP 4: The merchant teller will now enter in the bill amount on his POS machine and press ‘Enter’. You will now see the bill amount flashing on the NFC reader in front of you.

STEP 5: If the bill amount is correct, click on the ‘select’ option on the NFC card (screen 1) . This will take you to a screen (see image 3) which displays that your phone is ready to be tapped to make the NFC payment

STEP 6: When you are on screen 3, take your phone near the NFC reader and tap the phone. This will initiate the credit card transaction.

STEP 7: If your transaction is above Rs 500, a charge slip will get generated which you have to sign and hand over to the merchant. For transactions less than Rs 500, no charge-slip will be generated.

STEP 8: Close your NFC wallet choosing the ‘Exit’ option shown in screen 1 and place the mobile phone back in your bag/pocket

1 2

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NFC Reader NFC Phone

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NFC Card – Where can you use your NFC card?

As part of the customer offering, 2000 NFC readers will be installed at more than 500 participating merchant outlets

Customers can use their NFC phone with downloaded credit card to make purchases at any of these participating outlets

Customers can continue to use their plastic credit cards at all other merchant outlets where NFC cards are still not accepted

All NFC credit card transactions will appear as normal credit card transactions in the customer’s monthly bill statement

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NFC – What are the other services being offered?

Customers will be offered a chance to download special NFC discount coupons for select merchants

These coupons will allow customers to avail of special merchant discounts of 10% off for every NFC transaction

Coupons can be used for every NFC transaction at participating merchant outlets (where coupon discounts are being offered)

Customers can re-download coupons for re-use

These special coupon discounts will be available only on NFC transactions and not on normal credit card transactions

Special posters with RFID tags attached to them will be put up at all participating merchant outlets

RFID or Radio Frequency Identification is the same low-frequency communication technology as NFC

NFC phones can hence detect these RFID tags when the phone is tapped on the poster

These RFID tags can have special content on latest offers, discounts, product descriptions etc embedded on them

An NFC customer can tap his phone on these posters and ‘discover content’

NFC Discount Coupons NFC Content Discovery

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NFC RFID Tags – How do I use them?

STEP 1: Take the Nokia 6212 phone and tap it against an RFID poster

STEP 2: The NFC phone will vibrate slightly to indicate that it has detected the RFID poster tag

STEP 3: Usually, the RFID tag will have a WAP URL embedded into it. This URL will appear on the phone screen and prompt the user for consent to access the URL through a GPRS connection

STEP 4: Upon visiting the URL, the uploaded content on that RFID tag URL will get displayed to the user. Content can be product information, discount coupons or vouchers, ring tones, mobile wallpapers etc

STEP 6: Close the mobile phone web browser after reading through or downloading the content

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NFC Discount Coupons – How do I use them?

STEP 1: Take the Nokia 6212 phone, open the NFC wallet with your 4-digit PIN and then tap it against an RFID poster

STEP 2: The NFC phone will vibrate slightly to indicate that it has detected the RFID poster tag

STEP 3: Usually, the RFID tag will have a WAP URL embedded into it. This URL will appear on the phone screen and prompt the user for consent to access the URL through a GPRS connection

STEP 4: Upon visiting the URL, automatically, a virtual image based coupon will get downloaded into the NFC wallet on the phone

STEP 6: You can visit the coupons folder in the NFC wallet and view the downloaded discount coupon

STEP 7: Show the coupon to the merchant to avail the promised discount. The merchant will choose the ‘Redeem Now’ option available on the phone

STEP 8: The coupon is now moved into the ‘Redeemed’ folder and cannot be used again for discount. You can freely download another coupon from the RFID poster for the next transaction

Tapping the phone against RFID poster

Downloaded coupon Coupon visual

Redeem Now Redeemed Coupon