Near Field Communication (NFC) – Contactless payment

NFC offers the best of both worlds i.e. contactless payment and mobile technology. Smartphones let a customer store multiple credit cards and other payment methods all in one device that the NFCcustomer is likely to carry everywhere with them already. It cuts out the unnecessary hassle of texting or swiping through menus to make payments and yet still offers the security of a credit card. By offering a high level of compatibility with different companies and technologies, NFC evolved into a one-step payment method that works anywhere the customer wants to make a purchase.

NFC enables smartphones and other devices to establish radio communication with each other to perform transactions by bringing them into proximity. In addition to the advantage of contactless mode of transactions, NFC devices are cloud connected enabling them to be available for wide range of applications.

Near field communication uses electromagnetic induction between two loop antennas located within each other’s near field. It operates within the globally available and unlicensed radio frequency ISM band of 13.56 MHz on ISO/IEC 18000-3 air interface at rates ranging from 106 kbit/s to 424 kbit/s.

Recently, Apple introduced Apple Pay for NFC enabled mobile payment on iPhone-6 plus and the Apple Watch. This technology will be a part of every new mobile phone which will enable mobile users to perform transactions using their smart phones.


NFC devices can be used in contactless payment systems, similar to those currently used in credit cards and electronic ticket smartcards, and allow mobile payment to replace or supplement these systems. With the release of Android 4.4, Google introduced a new platform support for secure NFC-based transactions through Host Card Emulation (HCE), for payments, loyalty programs, card access, transit passes, and other custom services. With HCE, any app on an Android 4.4 device can emulate an NFC smart card, letting users tap to initiate transactions with an app of their choice.

Want to pay your coffee bills? Use NFC enabled mobile phone to pay the cash.


NFC offers a low-speed connection with extremely simple setup, and can be used to bootstrap more capable wireless connections. For example, the Android Beam software uses NFC to complete the steps of enabling, pairing and establishing a Bluetooth connection while doing a file transfer, disabling Bluetooth automatically on both devices once the desired task is completed. Nokia, Samsung, BlackBerry and Sony have used NFC technology to pair Bluetooth headsets, media players, and speakers with one tap in its NFC-enabled devices.

Want to send files and share videos? Use NFC to share things

Social Networking

NFC can be used in social networking situations, such as sharing contacts, photos, videos or files, and entering multiplayer mobile games.

Identity and access token

The NFC Forum promotes the potential for NFC-enabled devices to act as electronic identity documents and keycards. As NFC has a short range and supports encryption, it may be more suitable than earlier, less private RFID systems.

Want to get into the office without card? Use NFC to swipe.

One Comments

  • Rajat Singh June 24, 2015

    Nice Article Vaibhav.
    specially “Contactless Payment” by NFC will create new era of transaction with more secure and easy fashion.
    I would like to know, if there is any app in android like you mentioned in apple’s “apple pay” ?
    and moreover i think, its quite obvious for next device to be NFC enabled.
    I can see the Future where POS machine will be rarely used.

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