6 nfc voucher business model

8/18/2019 6 Nfc Voucher Business Model

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Migration to eVouchers (electronic vouchers)

Customer enabling


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Study of existing business models for

comparable NFC-enabled mobile transactions

Elaboration of NFC-Voucher BM


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Issuer : issues vouchers

Customer : employer Beneficiary : employee

Affiliate: shop, store


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Payer : the customer or buyer of the goods or

services

Payee: the merchant or seller of the goods orservices

Issuer : the party interacting with the payer in the.

financial institution

Acquirer : the party interacting with the payee inthe payment process. The acquirer is also

generally a financial institution Arbiter : an extra party that might be involved in

the payment process for dispute resolution


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Direct customer: the employer

Indirect customer: the employee, the beneficiary

Issuer: the issuer is responsible for the creation

of the voucher, the agreements with the partnersand the allocation of voucher value


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MNO: provides the full range mobile services to

the customer

Service Provider: provides contactless servicesto the customer; several forms:

Retailer/Merchant: they accept contactlesspayments. The merchant provides goods andservices (food or non-food)


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Trusted Service Manager (TSM): securely

distributes and manages the Service Providersservices to the MNO customer base

Handset, NFC Chipset and UICC Manufacturer:produce Mobile NFC/Communication devicesand the associated UICC hardware

(Terminal) Reader Manufacturer + securitycomponents and Electronic Cash Register:produces NFC reader devices

Application developer: designs and develops themobile NFC applications


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Voucher aggregation: the bundling of vouchers

with possible advertising or branding (coupons )

Voucher service provider: is responsible for the

s r u on o vouc ers

Application service provider: delivers a single

application such as transaction processing


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TSM: his clients will include mobile operators,

banks, transport companies, advertisers and

other service providers

a TSM holds:


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TSM securely distributes and manages theService Providers services to the MNO customerbase

TSM could prevent a possible MNO domination

TSM could be the neutral platform for industrial

Original service responsibility and accountabilityof issuer can be averted by the take-up of a TSM


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6 nfc voucher business model

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