NFC technology has arrived in the mainstream. Many people associate contactless with payment or the replacement of a QR code. But there are many more interesting applications, especially when NFC and security are combined. We will illustrate this with practical use case examples from around the world from diverse industry verticals, such as anti-counterfeiting, home healthcare and enterprise access control, while also highlighting some of the challenges of deploying NFC at scale into fixed infrastructure. Having led some of the largest implementations in the world, we are excited to be joined by HID Global and Cubic Transportation Systems for this presentation. Key takeaways from this presentation will be to gain: -A better understanding of how NFC technology is streamlining operations -Insights into how NFC technology is improving the user experience -Firsthand information from use case examples on the challenges and success of global NFC deployments including Digital Wallets

1. The NFC Forum mark is registered in the U.S. and other countries.
BEYOND PAYMENT:
DEPLOYING NFC AT SCALE
Webinar

2. HOUSEKEEPING
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3. WELCOME AND INTRODUCTIONS
Mike McCamon
Executive Director NFC Forum

4. OUR PRESENTERS
Richard Aufreiter
VP Product Marketing, Identification
Technologies, HID Global
Paul Monk, CEng CITP MBA
Senior Product Director, Mobile, Cubic
Transportation Systems

5. AGENDA
● About the NFC Forum
● HID Global NFC Reader Mode and NFC Card Emulation Mode
● Cubic Introduction to Digital Transit Cards
● Closing Remarks and Q&A

6. OVERVIEW OF THE NFC FORUM

7. CONTACTLESS ADVOCATES
The NFC Forum is comprised of 250+ member
organizations including some of the most familiar
global technology and consumer companies who
actively collaborate with dozens of adjacent technical
bodies to deliver technology, transport, digital key,
packaging, and automotive solutions.

8. ALL IT TAKES IS A TAP
Near Field Communication (NFC) is a
standards-based short-range wireless
technology that makes life easier and more
convenient. With a range of 2cm and the ability
to share power across connections, NFC is
finding its way into most everything.

9. CONVENIENT & PERVASIVE
Key takeaways from a recent ABI Research report across
nine different countries covering a variety of age ranges
revealed that:
● 85% of consumers use NFC technology
● Beyond mobile payments, public transportation is a
key driver for contactless use cases.
● Also becoming increasingly important is Tapping
consumer products and unlocking doors
● Nearly half prefer using their mobile phone or
smartwatch over a contactless card

10. Part of ASSA ABLOY
Beyond Payment:
Deploying NFC at Scale
Richard Aufreiter,
VP Product Marketing, HID Global

11. Part of ASSA ABLOY
A few words about HID Global
NFC Reader Mode:
 Trusted NFC Tags
 Use case examples for Trusted Tags
 NFC and RAIN® RFID
NFC Card Emulation Mode:
 Access Control
NFC Peer to Peer Mode:
 Mobile ID
Agenda

12. Part of ASSA ABLOY
 The global leader in access solutions
 Operates in 70+ countries
 >51,000 employees
 >$11 bn revenue
 Top recognized brand for access control
worldwide
 Headquarters in Austin, Texas
 >4,500 employees globally
 Billions of RFID products sold
About ASSA ABLOY & HID Global
 Identification Technologies (IDT) is a
Business Area within HID Global
 Design & manufacturing of
Smart Components
 Enabling identification
solutions through services

13. Part of ASSA ABLOY
NFC Operation Modes
Reader/Writer Mode
The NFC phone reads or writes tags
 Read posters
 Interactive advertising
 Launch mobile internet, SMS or
make a call
Peer-to-peer Mode
NFC devices can exchange data
 Setup Bluetooth / Wi-Fi
 Share business cards
Card Emulation
The NFC phone emulates a
contactless card
 Payment
 Ticketing
 Access control

14. Part of ASSA ABLOY
[URL]
www.service.com
[URL]
www.service.com
Most NFC uses focus on “convenience”

15. Part of ASSA ABLOY
How most NFC Tags are used
[UID]
03 B4 25 FF A1 35 80
[URL]
www.tag.com
[URL+UID]
www.service.com?03 B4 25 FF A1 35 80
[URL]
www.service.com
Option 1
Option 2
Constant URL stored on Tag, Write locked
 All tags have the same URL
 Upon tap, the NFC phone will open its browser and
access the URL provided by the tag
URL Combined with Tag UID, Write locked
 URLs unique by tag, but may be copied
 Upon tap, the NFC phone will open its browser and
access the URL provided by the tag with
UID as parameter

16. Part of ASSA ABLOY
No Security in Standard Configuration
Option A
Option B
Copy the tag
 Use one of many free NFC apps from App Stores
 Read Tag 1 copy content to Tag 2
Remember the URL
 Bookmark the URL after the first tap in your browser
 or publish/retrieve it from Social media sites etc.
 The server will not notice a difference from a tapped
tag!
For some use cases this is critical, for others not
[URL+UID]
www.service.com?03 B4 25 FF A1 35 80
[URL]
www.service.com
[URL]
www.service.com

17. Part of ASSA ABLOY
Trusted NFC Tags Overcome these Limitations
Frictionless Trusted
Benefits:
- Easy customer adoption
- Simple integration
Benefits:
- Unclonable Tags
- Proof of presence

18. Part of ASSA ABLOY
Trusted Tag in Summary

19. Part of ASSA ABLOY
HID Trusted Tags are NFC Forum Tag Type 4 compliant and work on several chip
platforms with any NFC forum compatible device without requiring special apps!
How Trusted Tag works
http://…ABCD
Tap
http://…7635
Tap
http://…7635
Refresh
http://…B423
Tap

20. Part of ASSA ABLOY
Brand protection & Anti-counterfeit
Trusted Transactions
Prevent
counterfeiting
and warranty
fraud while also
engaging with
the consumer
Controlled
Sweepstakes,
loyalty point
issuance, small
data analytics
Proving that a
person is where
they said they
are (or were) –
even indoors
Secure Proof of Presence
Guard Tour
Maintenance & Inspection
Home Healthcare “EVV”
Trusted NFC Applications

21. Part of ASSA ABLOY
 Berkel meat slicers are subject to counterfeiting.
 The company decided to take advantage of Near Field Communication (NFC) technology to ensure proper
product authentication.
Example: Brand Authentication
 Starting at pre-purchase, customers
can authenticate the Berkel brand by
verifying the trusted NFC tag via
their smartphone and get interactive
services.
 See Case Study

22. Part of ASSA ABLOY
Protecting Against Counterfeiting
 Verify authenticity of each coin via Smartphone
 Receive additional information details
 High-security NFC chip technology
 HID Trusted Tag® Cloud Authentication service
 See Case Study

23. Part of ASSA ABLOY
 Integration of NFC technology into sapphire glass of
watches in a way that the RFID part is invisible and
does not impact the design of the watch.
 The company aims to equip all high-end watch brands
with STISS glass for digital use cases, such as
contactless payment, access, transport or
authentication via blockchain – while maintaining the
beauty and mechanical design of an analog watch.
 RFID coils manufactured with DBond™ technology from
HID Global are powering NFC in STISS’s sapphire
glass.
 ID Glass technology improves the traceability of
watches, strengthens relationships with end customers
and offers a unique and tailor-made concierge service.
NFC Functionality in High-End Watches

24. Part of ASSA ABLOY
NFC / RAIN® RFID (UHF) Combo
NFC and RAIN® RFID (UHF) do not exclude each other. A whole range of combo-transponders are possible
e.g. hard tags, inlays or even high-security smart papers that embrace both technologies and add physical security.
• NFC enables short-distance interaction with smartphones and other devices. HID Trusted Tag® Services authenticate the
item without the need for special APPs.
• RAIN® RFID (UHF) enables long-distance bulk and logistics interactions. Both technologies combined in the same chip
optimize handling and data consistency.

25. Part of ASSA ABLOY
NFC Operation Modes
Reader/Writer Mode
The NFC phone reads or writes tags
 Read posters
 Interactive advertising
 Launch mobile internet, SMS or
make a call
Peer-to-peer Mode
NFC devices can exchange data
 Setup Bluetooth / Wi-Fi
 Share business cards
Card Emulation
The NFC phone emulates a
contactless card
 Payment
 Ticketing
 Access control

26. Part of ASSA ABLOY
Components of a typical NFC Access Control System
Wireless Mobile ID Management
Physical Access Control

27. Part of ASSA ABLOY
The Move to Digital Credentials
PHYSICAL WALLET DIGITAL WALLETS
• Access Control Cards
• Government Credentials
• Payment
• Loyalty Cards
• Transport Tickets
• Event Tickets
• Smartphones
• Wearables
• Biometric Cards
 User Dependency on Device
 Users rarely forget or lose their device so
access credentials are always available
 Secure
 Multi-factor authentication on device
 Onboard Secure Element for credential
storage
 Convenient
 Easy to carry – device is already on your
person
 Automated Credential Lifecycle Management
 Cost Efficient & Sustainable
 Reduces cost of card lifecycle management
 Minimizes impact of supply constraints
 Reduces Eco waste

28. Part of ASSA ABLOY
Jamf – “It’s On Your iPhone Now…” https://www.youtube.com/watch?v=pKxr-PCOYg8

29. Part of ASSA ABLOY
Credentials in Apple Wallet Overview
Allows participating organizations to add
student IDs, employee badges and room
keys to Apple Wallet on iPhone and Apple
Watch
 Uses Near Field Communication (NFC)
technology to provide a seamless and
exceptional user experience
 Leverages the same Secure Element as
payment and transit cards in Apple Wallet
 Integrated in “find my …” functionality
 2022 NFC Innovation Award for
representing a digital transformation in how
individuals can navigate modern building
environments (university, enterprise
and hotels)

30. Part of ASSA ABLOY
Credentials in Apple Wallet: Transforming the Access Market
HID Seos-Enabled
Student ID in Apple Wallet
Launched 2018/2019
HID Seos-Enabled
Employee Badge in Apple Wallet
Launched February 2022
ASSA ABLOY Global Solutions
Room Key in Apple Wallet
Launched December 2021

31. Part of ASSA ABLOY
NFC Operation Modes
Reader/Writer Mode
The NFC phone reads or writes tags
 Read posters
 Interactive advertising
 Launch mobile internet, SMS or
make a call
Peer-to-peer Mode
NFC devices can exchange data
 Setup Bluetooth / Wi-Fi
 Share business cards
Card Emulation
The NFC phone emulates a
contactless card
 Payment
 Ticketing
 Access control

32. Part of ASSA ABLOY
Utilizing NFC to create a Secure Communication Channel
between Mobile Devices (e.g. driving license check)
 ISO/IEC 18013-5 and ISO/IEC 23220-4 define protocols for verification of mobile Driving License and mobile ID
 The protocol is a two-step approach:
 Engagement out of band, which could be QR or NFC NDEF Tag and where ephemeral pub key and transport information is shared
 Retrieval phase then takes place over NFC (card emulation), BLE or Wi-Fi at higher distance to follow-up
 Advantages:
 Intuitive engagement / user consent
 More reliable than QR code which is depending on light
 Secure and fast data transmission at medium distance after engagement
 Only relevant data is transferred
See goID Solution Example

33. Part of ASSA ABLOY
Thank you
hidglobal.com/rfid
Contact information
Name: Richard Aufreiter
Title: VP Product Marketing
Email: raufreiter@hidglobal.com

34. Introducing Digital Transit Cards
Paul Monk – Senior Product Director, Mobile

35. CUBIC PROPRIETARY | Overview
Cubic - Building A Smarter Tomorrow
Cubic Transportation Systems is the leading
integrator of payment and information
solutions and related services for intelligent
travel applications in the transportation
industry.

36. Evolving Fare Media Timeline
CUBIC PROPRIETARY | Overview
Cubic has a long history of delivering
innovations, including many of the largest
contactless fare media installations in the world

37. Contactless Technology
CUBIC PROPRIETARY | Overview
 Cubic developed own secure reader technologies since 1999
 Adaptable to accommodate changes to ISO14443
 Remote key management
 Edge processing to enable real time fare logic processing
 A large city deployment = ~ 30,000 readers
 Employ memory-based transit cards (generally)
 Enhanced to accommodate (contactless) bank card acceptance
 Banking/PCIDSS security standards
 Market dynamics now changing user behavior
 Contactless is ubiquitous
 Focus in transit now moving to mobile-centric experience
… and provisioning digital NFC credentials

38. Evolving Market Dynamics
CUBIC PROPRIETARY | Overview
 Sustainability
 Rising customer expectations
 Space constraints
 Funding constraints
 Petro/gas tax pressures
 Capitaless business models
 Human connectivity
 Fuel efficient cars
 Processing power
 Big data + analytics
 Internet of things
 Cloud
 Urbanization
 Population growth
 Aging population
 Millennials
 Congestion at peak

39.  A data-driven aggregation of real-time, historic
and predicted journeys that enables regions to
optimize in the current and the future
 Broad proactive management of freeways,
highways, corridors and arterials at the
regional level
 Adaptive real-time management of
intersections, corridors and grids in the urban
area
 Predicted network conditions and journey
times pushed out across all modes
 Analytic tools that enable real-time and long-
term network optimization
Cubic’s Strategic Response
CUBIC PROPRIETARY | Overview
 A single mobility account for all of your
transportation needs
 Integrates multiple identification media
(smartcard, bankcard, phone, license plate
etc.) to a single funding source
 Enables a seamless, frictionless payments
experience as you travel in a multi-modal
fashion
 Enables integrated policy that allows multi-
modal journeys to be priced as single journeys
 Reduces operational costs through economies
of scale and eliminated redundancy
 A common experience, digitally through a mobile
app, for all of your mobility needs in a region
 An integrated digital travel experience that
links journey planning, to account
management, to virtual payment media in the
wallet
 A predictive, personalized, and pushed
experience that gives you actionable insights
about optimizing your journey and anticipated
journeys
 Provides opportunities for third parties to offer
value and services to travelers related to their
journey and location
 Reduces the cost of servicing the traveler
Eliminate uncertainty
Reduce service costs
New revenue opportunities
Integrated policy
Reduced operations costs
Enhanced customer experience
Identify unknown relationships
Model + measure decisions & policy
Benchmark + measure performance

40. Creating a New Transit Icon
 The most populous city in the United States, home to the New York City
Subway – one of the largest rapid transit systems in the world with 472
stations in operation; 1.7 + billion rides annually
 20+ years customer relationship with the New York Metropolitan
Transportation Authority (MTA)
 Greater convenience for riders, with personalized transit accounts to
see ride history, check balances, add value and report lost or stolen
cards to protect funds
 Flexible new fare payment media, including credit and debit cards
and mobile devices at the bus or turnstile, while maintaining fare
card services for unbanked customers
 Enhanced and integrated travel experience across the region
 Decreased costs for the MTA: reducing the dispensing of fare media,
streamlining fare calculation and phasing out old and costly equipment
The Vision Becoming Real:
New York
CUBIC PROPRIETARY | Overview

41. Nation’s First P3 in Transit
 One of the oldest public transit systems in the United States
 1.17 million trips taken on Boston’s Massachusetts Bay Transportation
Authority (MBTA) services weekly
 CTS’ contract is nation’s first public-private partnership fare payment
project in transit delivering cost savings and efficiencies to the MBTA
 A next generation system compatible with all modes of transport; more
options for paying fares, with mobile payment, contactless debit or
credit cards and agency-issued fare media, ability to use mobile
phones as a ticket
 Personalized transit accounts for riders to see ride history, check
balances, add value and report lost or stolen cards to protect funds
The Vision Becoming Real:
Boston
CUBIC PROPRIETARY | Overview

42. Revolutionizing the Complex Clipper System
 One of the fastest growing transit systems in the U.S. transit industry
 The most complex fare collection system in North America, due to the
over 35,000 business rules required by the 22 transit agencies
participating in the system
 Today the Clipper card accounts for approx. 20 million fare
transactions each month and is used on more than 95% of transit trips
in the Bay Area
 The contract with the San Francisco Bay Area’s Metropolitan
Transportation Commission (MTC) will revolutionize Clipper via a
range of new features including an integrated mobile app, the ability
to virtualize Clipper cards, upgraded retail services, and open
payments readiness
The Vision Becoming Real:
San Francisco
CUBIC PROPRIETARY | Overview

43. Advanced Technologies for Real Passenger Convenience
 The go card system was the region’s first smart card-based
integrated ticketing system and covers over 87% of all travel on the
network and more than 90% of all train trips
 Over 1.2 million rail, light rail, bus and ferry customers benefit from
the go card system
 More than one billion trips have been taken since go card was
introduced to the network in 2008 and more than $31 million in top up
value is added each month
 CTS’ contract with the Queensland Department of Transport & Main
Roads (DTMR) will be the first system-wide deployment of advanced
ticketing and payment technologies in Australia
 Greater convenience for passengers – bankcards, mobile phones
and personal electronic devices including watches will be used to
pay for travel on public transport
The Vision Becoming Real:
Brisbane
CUBIC PROPRIETARY | Overview

44. Mobile Solutions
CUBIC PROPRIETARY | Overview
Superior customer experience
 Rich traveler app to drive user adoption
 Integrated account management, trip planning and real time
service information
 Fully integrated experience via virtual contactless cards in
Google Wallet and ApplePay
 Apple ExpressPay for seamless interaction
 Deployed in Chicago, Los Angeles, San Francisco,
Washington DC
 Upcoming rollouts in New York, Brisbane, Boston, San
Francisco (account-based) and others

45. Provisioning a Card
CUBIC PROPRIETARY | Overview

46. Digitizing a Physical Card
CUBIC PROPRIETARY | Overview

47. Integrated Digital Cards
CUBIC PROPRIETARY
Driving user adoption through unparalleled simplicity
 Full integration of fare media in Apple and Google wallet ecosystems
 Wallet complements Mobile App by delivering basic use cases (in-wallet
provisioning, top-up, history) for visitors and infrequent users
 Support for Apple Watch
 Integration with native OS maps enables geo-fenced customer prompts
 Wallet ecosystems support lost and stolen devices, card transfers,
replacements
 Wallets aligned with associated transit fraud rules (e.g. prevent
swapping virtual cards between users, minimizing opportunities for
misuse)
 Support built and deployed for Mastercard and DESFire across both
wallets

48. Reducing friction points to smooth passenger flow
 Proprietary Apple solution to automatic transit card detection
 Requires reader/infrastructure changes to accommodate experience
 User can optionally nominate one digital card per city scheme
 Additionally, one digital cEMV card can be selected for open loop systems
 Closed loop city cards will always be accepted in preference
 User is prompted through the process when a closed loop card is added
 Accommodates reserve power operation on later handset models
CUBIC PROPRIETARY
Apple Express Transit

49. Lessons Learnt
CUBIC PROPRIETARY
Simplicity requires dedication to achieve
 Digital cards require tight integration at all points in the ecosystem
 All aspects of solution must be seamless
 Wallet design is necessarily inflexible to ensure it remains consistent
for users. This drives change in solution and experience design
 Integration requires comprehensive requirements and design review
process
 Testing occurs across multiple phases, multiple environments, and
multiple teams
 Emphasis is on zero defects, perfect experience, early – to de-risk
the wallet release
 Success through tight team alignment and integration
 The results and customer feedback are impressive, especially when
boosted by the wallet providers’ marketing machines.

50. • An integrated system that is
scalable to include other agencies
and modes
• Offers a new range of convenience
for MTA customers
• Contactless bankcards and mobile
ticketing
• Available for all modes of
transportation
Thank you!
www.cubic.com/transportation

51. CLOSING REMARKS

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