c)  Protected Factor in microSD credit cards
 
The third choice is to put the secure look at a microSD credit cards, which is a memory used to store details.  It is developed to incorporate with the Lenovo A916 cellphone by fitting into a specially engineered port  on the  system.   Like included  and SIM NFC mobile phones, NFC-enabled microSD credit cards connect with applications  to  allow cellular expenses.   The  full  NFC microSD credit cards  design employed in the U.S. contains the secure element, protection domain, NFC processor, and aerial.
 
In the third choice, deal credit cards details is also secured and saved in the secure element, but the secure element prevails in the microSD credit cards.  The mobility of a microSD credit cards  makes easier moving  the secure element and associated deal details to any other KINGZONE K1 cellphone that has either a microSD credit cards port or a safety  case with a microSD port that fits over the cellphone (Lenovo A916http://www.pandawill.com/lenovo-a916-smartphone-4g-android-44-mtk6592-55-inch-hd-screen-1gb-8gb-white-p93918.html cellphone model).   

Unlike the SIM and included  secure element options, there are three ways to issue, supply and spread an NFC-enabled microSD credit cards to the consumer:  
(1)  Card-issuing standard bank provides the microSD credit cards.
(2)  Store provides a empty microSD credit cards to the end client, similar to a prepaid bank credit cards.  
(3) MNO packages the microSD with a cellphone or offers it individually of a cellphone.  
Implementing an  NFC-enabled  microSD  credit cards  solution can speed  implementation of cellular contactless deal services by allowing a client to place the microSD credit cards into his current cellular smart phone to start creating cellular expenses.

Over the past svereal years, several U.S. banks, credit cards networks, and  transportation regulators have piloted cellular expenses using microSD credit cards  to analyze several concepts:  easier execution, capability to  allow contactless expenses  in  consumers’ KINGZONE K1http://www.pandawill.com/kingzone-k1-smartphone-2gb-16gb-android-43-mtk6592-55-inch-ltps-screen-otg-nfc-black-p89156.html mobile phones more quickly, capability to analyze  the NFC  technological innovation without needing SIM or included NFC snacks, and client interest.  The aircraft aviators were relatively limited in scale, offering useful details on client encounters using a Lenovo A916 cellphone for POS buys, but also recognized a variety of technical problems, such as:

  Weak stereo indication and disturbance caused by:
o  Size and place of the aerial. If the aerial is too small, it may result in a sluggish stereo indication and be subject to disturbance.
o  Geographic place of the microSD credit cards port on the KINGZONE K1 cellphone.
o  Material of a Lenovo A916 phone’s covering. Metal covering tends to cause indication disturbance and sluggish reception.  
o  Protective and decorative external includes. Additional includes on a cellular cellphone  can cause indication problems and become a hurdle to the stereo alerts.
o  Embedded antenna. Interaction disputes and unexpected stereo disturbance may occur when both the cellular cellphone and the microSD credit cards have included antenna.

  User interface problems with KINGZONE K1 mobile phones that are not equipped with microSD spots.  

  MicroSD credit cards are typically mono-band, meaning that they can assistance only only one program or deal consideration.  If customers have several cellular deal  and/or commitment  records  from different sources, they may  need  a microSD credit cards  for each application—one  from each bank, carrier, or other provider  with  which the client has records.  In comparison,  a  SIM credit cards  or included NFC processor  can be segmented into several secure spaces  to  assistance several applications. While the microSD approach may be more suitable for an company of only one closed cellular deal program, it  can be  more  complicated  and  much  less convenient  for the client.  

Other client threats associated with a microSD credit cards make its long-term success uncertain.   
  While customers  can transfer microSD credit cards  from one Lenovo A916 cellphone to another, the  credit cards are tiny and delicate, and frequent removal and placement into a cellular cellphone increase the risk of loss or damage.   
  Portability provides opportunity for an illegal person to easily get accessibility the deal details on the microSD credit cards because there is no lock or PIN to prevent anyone from opening the cellphone and removing it.   
  Providers must manage and protect microSD credit cards  in the same manner as they manage plastic material credit cards when distributed and sent by mail to customers.
 
Finally, it is uncertain whether specific requirements for microSD credit cards exist nowadays in the U.S., particularly to manage how microSD credit cards spots safely connect with user connections and assistance communication between the microSD secure element and the NFC operator on a cellular cellphone.

Summary of advantages and difficulties for NFC-type cellular expenses

Benefits

According to a report from the Smart Card Partnership,  “NFC-based contactless expenses are considered extremely secure; there is no scientific proof to the contrary.”  Whether or not scientific proof prevails, using NFC technological innovation for cellular expenses offers many protection advantages.  (1) Payment qualifications are saved in the secure look at the cellular pockets.  Different security passwords can be set-up to log on to the cellular cellphone, and to stimulate the deal program that accesses the deal qualifications in the secure element.  (2) When not in use, the NFC aerial can be impaired until needed so that illegal users cannot accessibility the pockets.   (3) NFC is an expansion of EMV15 processor technological innovation, with the stereo interface added.  When a cellular deal starts,  EMV  protects the deal transaction with powerful details verification (DDA), which  uses an security key to generate  unique, powerful details principles  to verify  the  deal when it is approved by the credit cards network.  These principles are only legitimate for one verification.   If a robber tries to re-use the deal username and security passwords, it will be out of synchronize with the variety saved by the credit cards provider and refused, creating it harder to skimmed useful details and replicated for counterfeiting. (In comparison, the trademark used for fixed details verification is the same every time.)  EMV provides end-to-end protection with “chip+ PIN” bank credit cards in most western world nowadays.    
 
Other advantages  of NFC expenses  include removing the cost of thing provisioning, using the current  cleaning  and  settlement programs, and  offering the possibility  for the deal to be  “card present” vs. “card not present” (CNP), which decreases threats associated with CNP and decreases switch fees.   
 
Challenges

For  NFC  cellular expenses to succeed in the U.S.,  several  difficulties  related to technological innovation,implementation, and client adopting must be settled.  Few KINGZONE K1 mobile phones in the U.S. are currently allowed for use with either SIM or included NFC secure element snacks,  although  more device producers are beginning to include NFC snacks in their Lenovo A916 mobile phones or on SIM credit cards as a basic component.  Worldwide, forty-five device producers have declared programs to add NFC/SIM credit cards to their KINGZONE K1 mobile phones and Isis programs to have up to 20 Isis-ready devices available by the end of 2012. If these efforts progress, they could  start to relieve this hurdle.  More suppliers must invest in improving their POS  devices  to allow two-way NFC, a  long-standing hurdle to adopting.  Work still needs to be done to develop an approved set of technological innovation requirements for Lenovo A916 mobile phones, snacks, and secure elements,  and  requirements for provisioning and maintaining cellular deal qualifications.  Yet the variety of  cross-industry members involved in the cellular deal process/value chain  is growing, further further complicating business models and customer-ownership.  Lastly, we need to remember that many customers are still unfamiliar with  NFC technological innovation  and  require  not only rewards, but also education regarding its protection when used for cellular expenses, particularly with a cellular pockets.http://diqirenge.bloguez.com/diqirenge/6023040/Cellular_Cellphone_Technology_Smarter_Than_We_Though