NFC loyal: A beneficial model to promote loyalty on smart cards of mobile devices

Near Field Communication (NFC) as a new emerging technology currently tries to find a suitable ecosystem. Development of new standards such as secure element, secure channel, as well as Java Card enables creating new ecosystems using a concurrent multi application platform based on Global Platform. We proposed NFC Loyal, which maintains data interaction and data sharing among payment and loyalty applications through our proposed structure, called as Secure Common Domain Management System (SCDM). SCDM as a centralized database management system on the smart card stores valuable information provided by payment applications and shares them with loyalty applications. The direct outcome of using NFC Loyal is the increase in repeat purchases of customers; as well as a business plan among the payment firms, loyalty firms, and the smart card owner. We fully describe the technical including security architectures and background for the SCDM, and explain the details of the proposed model.