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Publications – Payments – Mobile Payments/NFC

• Card Payments Roadmap in the U.S.: How Will EMV Impact the Future Payments Infrastructure?
  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. Download white paper. View executive summary.

• Chip-Enabled Mobile Marketing
  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. Download white paper. View executive summary.

• The Mobile Payments and NFC Landscape: A U.S. Perspective
  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. Download white paper. View executive summary.

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

• Near Field Communication (NFC) and Transit: Applications, Technology and Implementation Considerations
  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. Download white paper. View full executive summary.

• Proximity Mobile Payments: Leveraging NFC and the Contactless Financial Payments Infrastructure
  This white paper describes opportunities for proximity mobile payments using NFC-enabled mobile phones and devices and the contactless financial payments infrastructure. The white paper describes what is necessary to implement and deploy proximity mobile payment systems, discusses the relevant technical and business issues from the perspective of the various stakeholders (e.g., mobile operators, the financial industry, end-users, providers and vendors), and outlines the potential opportunities and barriers that may impact its market adoption. Download white paper. View full executive summary.

• Proximity Mobile Payments Business Scenarios: Research Report on Stakeholder Perspectives
  The Smart Card Alliance Payments Council developed this report to document research conducted to assess industry stakeholder perspectives on the different business models that could be deployed for proximity mobile payments. The report contains the results of interviews with 21 leading stakeholders in the financial and mobile payments industries. Download report. View full executive summary.

• Security of Proximity Mobile Payments.
  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. Download white paper. View executive summary.