Using 3G network components to enable NFC mobile transactions and authentication

The increasing technical capabilities of mobile phones have resulted in several m-payment methods being proposed. M-payment applications are being developed for both online and in-store purchases. Near Field Communication (NFC) technology has the potential to greatly impact the way mobile devices are used. NFC is a short range wireless communication interface that allows for the integration of a mobile device in existing contactless application infrastructure, such as using a mobile phone to pay at Point-of-Sale (POS). It is important to provide a simple method for implementing m-payment systems that offer both reasonable security protection as well as ease of use for the user. We propose a system that combines the existing 3G cryptographic primitives and algorithms, in addition to the identification and authentication capabilities of the USIM, with NFC technology to implement a m-payment system. Such a system could easily be integrated into current 3G infrastructure and provide improved scalability and ubiquity for m-payment services. Our proposed scheme focuses on a conventional in-store payment environment, with mutual authentication between entities and a subsequent trustworthy transaction being achieved through 3G and USIM security services.