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Nfc Technology

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NFC

Near Field Communication (NFC) technology makes life easier and more convenient for consumers around the world by making it simpler to make transactions, exchange digital content, and connect electronic devices with a touch (NFC 2011). Cell phone carriers, such as AT&T, use NFC capabilities in their cell phones as a selling point to the consumer. Some companies, like Samsung, use NFC TecTiles to help their consumers find what they need with just a simple glide of their phone. Major credit card companies use the NFC technology in their credit cards to make it simpler for customers to pay for merchandise without having to swipe there card.
With the advancement of the first telephone to modern day smartphones, AT&T has been there. AT&T has always had a unique way of staying ahead and on track with the quick advancement of technology. Numerous smartphone application developers have tried to create software that will allow you to no longer worry about having your wallet. As long as you have your smartphone and the application, you still have the ability to pay for merchandise. With AT&T’s new application, ISIS, Near Field Communication technology is something they are continuing to move forward with. ISIS is a smartphone application that has been successfully designed to replace your wallet and put all your information in one program. Some people might say it sounds crazy, but Ben Spencer (2013) had done studies that have shown, “that cell phone users cannot leave their cellphone alone for six minutes and check it up to 150 times a day”. With that being said, you can see that technology is moving in a way that will replace our everyday necessities such as our wallets and what is in them. ISIS is currently being tested in Austin, Texas and Salt Lake City, Utah before it is released worldwide. The ISIS application promotes that it is safe to use because you have to create a unique PIN code of your choice. The program stores sensitive data on the NFC chip, which in turn, is designed to restrict unauthorized access. This feature is remarkable if it can really keep out the hackers. However, not even cellphones with passwords can keep out the everyday hacker. If there is a machine that can break a phone lock code then there is probably a machine that can break ISIS’s security code (ISIS).
Samsung is another company that is using Near Field Communication to their advantage but is doing it in a much milder manner. Samsung has developed adhesive squares, with NFC Technology, called TecTiles. These TecTiles rely on near-field communication technology to communicate a set of instructions. There are multiple uses for TecTiles, such as the ability to utilize a specific TecTile for everyday purposes. For example, a TecTile can be assigned to your Car Dash Mount. Once applied to the car mount, the NFC chip is activated and the TecTile can utilize GPS Navigation and Maps each time that specific TecTile is touched with your NFC active smartphone. TecTiles can even be placed on your nightstand and when activated with NFC, will set your alarm each night. The Near Field Communication technology also allows businesses to benefit as well, by putting TecTiles on the back of their business cards or on promotional advertisement to better help market their business. (Dolcourt 2012)
NFC technology is not just a chip in a phone; there are major credit card companies, like Visa, that have the small NFC chip embedded in the card that also utilizes the “contactless” technology (Phone Scoop). The website Phone Scoop explains that NFC is used most often for financial transactions, as a replacement for swiping or inserting a plastic card. This technology also has the ability to act as authentication, such as an employee ID to grant entry to buildings. Unlike RFID tags, which are in some major credit cards and debit cards, Near Field Communication have one of the biggest advantages is very short rage, usually 1 to 2 inches away from desired contact. RFID tags can be read from several feet away (Phone Scoop). RFID tags, or radio frequency identification tags, are intelligent bar codes that can talk to a network system to track every product that you can put in your shopping cart. RFID tags have stored data in the microchip that waits to be read. According to Bonsor and Fenion, NFC is promising because it presents the next evolution of convenient payment with and added layer of security. With credit cards having NFC chips embedded in them, they believe since you can use the tap method of payment instead of the swipe, “it eliminates the possibility that someone could skim your data via the magnetic strip on the card.” Near Field Communication can capturer the information that is stored in RFID tags (Bonser, Fenion). Google Wallet is also an application that stores credit card information under multiple layers of security and allows for quick tap payments at NFC terminal, which is similar to ISIS (Bonser, Fenion). Security remains a common concern with any new advanced technology that might not have all the flaws worked out.
Mark Hachmans article: “Visa: Goodbye to Mag-Stripe Credit Cards, Hello to Chip Cards, NFC”, states how Visa endorsed the Near Field Communication technology, which in turn, helps Visa with embedding payment information inside phones. Richey, interviewed by Hatchman, claims “we believe our program offers the right level of direction and encouragement for merchant and issuer adoption of chip- at the right time”. This means Visa is continuing to move forward with latest technology to help with the next generation of payments. The consumer is always waiting for the next innovation to change their life and make it easier and more secure. So with “a commercial framework in place,” Visa’s “goal is to enhance security and support” to the next era of payments. Visa has a push to speed up mobile payments, and to improve international interoperability and security. “There is an industry standard for NFC that is supported by all leading mobile device manufactures and is compatible with millions of contactless card systems already in use world wide” claimed by the Phone Scoop website. So the next era of payments is already in the making as said in previous paragraphs about the application ISIS, presented by AT&T.
Near Field Communication is only in the beginning stages of showing how resourceful this technology can be. Any individual, no matter their lifestyle, can use NFC. As technology grows, businesses are starting to see how technology benefits them. For example, cutting labor costs by replacing them with a computer, or building customer value by allowing the customer to feel like they are in control of what they are purchasing. NFC also allows businesses such as movie theaters or bus transportation to let their customers have the ability to use their phones as the physical ticket.
With the progression of Near Field Communication, society’s curiosity of this particular technology is in question. Is NFC secure? Is NFC really that easy to operate? Will NFC really catch on? These questions will come into play to see if society will accept the advancement of NFC and trust that their information is secure. In a perfect world we could trust anyone without question and we would not have to worry about our personal information being leaked out to the public for everyone to see, or even be concerned that criminals would try and steal our identity. NFC technology is a truly remarkable concept, especially when it is implemented in cellphones, allowing customers to freely use it for their everyday needs.

References
Nfc forum. (2011). Retrieved from http://www.nfc-forum.org/aboutnfc/nfc_in_action/
AT&T. (2012). At&t. Retrieved from http://www.att.com/gen/landing-pages?pid=3309
Spencer, B. (2013, February 10). Mobile users can't leave their phone alone for six minutes and check it up to 150 times a da. Retrieved from Mobile users can't leave their phone alone for six minutes and check it up to 150 times a day Read more: http://www.dailymail.co.uk/news/article-2276752/Mobile-users-leave-phone-minutes-check-150-times-day.html
Dolcourt, J. (2012, June 12). Samsung TecTiles: NFC stickers do cool stuff with your phone | Dialed In - CNET Blogs. Retrieved from http://www.cnet.com/8301-17918_1-57450376-85/samsung-tectiles-nfc-stickers-do-cool-stuff-with-your-phone/
Wozniaki, T. (n.d.). Benefits of Near Field Communication - NEARFIELDCOMMUNICATIONNFC.NET. Retrieved from http://www.nearfieldcommunicationnfc.net/benefits.html
Isis. (2013) Retrieved from https://www.paywithisis.com
Hachman, M. (n.d.). Retrieved from http://www.pcmag.com/article2/0,2817,2390739,00.asp Bonsor,K and Fenion W. How RFID Works. Retrieved from http://electronics.howstuffworks.com/gadgets/high-tech-gadgets/rfid5.htm Phone Scoop. Retrieved from http://phonescoop.com

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