A. First Architecture Option This architecture represents the next step from the current credit card payment architecture. From users point of view, the only difference will be that their Mobile Devices will play the role of the credit card. In the ideal case, Mobile Device manufacturers would include only NFC chip and the antenna to their Mobile Device; SE will be stored preferably to SIM/UICC. Credit Card Companies role stays similar like in current credit card payment system, with added responsibility of authenticating Customers Mobile Device using the applet on Secure Element. Basic design with all interacting parties is shown on Figure 1. MIDlet on customers Mobile Device simulates contactless smartcard mode, so that POS (Point of Sale) Terminal manufacturers might not need to make new terminals that will be equipped with NFC chip reader. POS Terminals would use the same types of connection to the Credit Card company network as t...
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