Don's Home Technology Mobile Payments RFID (Radio Frequency Identification)

Under Construction.

2015 seems to be the year of contactless payment and ID systems with the rollout of Apple Pay to compete with Google Wallet and chips on credit cards.

RFID tags:
- Passive RFID tags do not have a transmitter; they simply reflect back energy (radio frequendy (RF) waves) coming from the reader antenna.
These are the type used on credit cards and ID cards.

- Active tags have their own transmitter and a power source.
Active tags are used on large assets, such as cargo containers, rail cars and large reusable containers, which need to be tracked over long distances (in a distribution yard, for example). They usually operate at 455 MHz, 2.45 GHz, or 5.8 Ghz, and they typically have a read range of 60 feet to 300 feet

Active transponders are woken up only when they receive a signal from a reader to save battery life. These are used in toll payment collection.
Source: The Basics of RFID Technology - RFID Journal

Chip-and-PIN Credit Card (NFC)
The chip-and-PIN system, also known as the EMV standard -- for Europay, MasterCard and Visa, the originators of the standard -- was first established in 1999 and has since almost completely replaced the magnetic-stripe standard in Europe.

While most card-issuing companies and banks in the United States still issue magnetic-stripe credit and debit cards, many of these organizations are moving toward the adoption of the EMV standard.

U.S. retailers have until Oct. 1, 2015, to install chip-and-PIN compatible card readers at stores. After that date, merchants will be held liable for any fraudulent charges resulting from misuse of magnetic-stripe cards.

Passport RFID

Since the requirement by the U.S. Department of State in 2006, all U.S. Passports are now issued with an RFID chip. While this has caused a bit of a stir in the media, and among personal privacy organizations, the RFID chip is here to stay, and it is nowhere near as insidious as people make it out to be.

Tap and Pay - contact-less payments - Google Wallet, Apple Pay
See Mobile Payments
Android Beam to Wirelessly Transfer Content ...
On your device, open a screen that contains something you'd like to share, such as a webpage, YouTube video, photo, or place page in Maps. Press the devices back-to-back you will hear a beep. The actual transfer takes place over bluetooth. Android beam enables bluetooth and automatically pairs the devices.
The transfer can be done over WiFi with additional apps.
You don't need an app, but there are apps. Some let you send files over WiFi after you link with NFC.
The S Beam feature included on Samsung Android phones like the Galaxy S III is different from Android Beam. However, Samsung phones also include Android Beam.
There are apps wich provide additional features.
e.g.SuperBeam | Android Apps 4.3 (166,128)
Acces Control ID cards:
See Proximity Cards, CR80 ID Badge, RFID ID Badge |
E-ZPass, FasTrak, ... toll payment. RFID    
Implant for pet identification next to rice grain. (RFID PIT tag)
In dogs and cats, chips are usually inserted below the skin at the back of the neck between the shoulder blades on the dorsal midline.
A comment at smartphone apps forum- is there one to read chips placed in pets? - Google Groups "What's used in pet chips isn't always the same standard/frequency/RFID. Also, the database you don't have access to."
Specialized scanners to read these.
Dave Williams implanted a bioglass NTAG216 NFC RFID tag in his hand. He uses it to unlock his door , open his garagedoor ,start his car .... It replace's ( for me) a bunch of keys ( which he always forgot )
See his RFID/NFC implant procedure: NTAG216 / Dangerous Things xNT - YouTube
Race Timing
Se other uses in links below.

Some other NFC cards: Exxon Speedpass, Oyster (transportation in London), Octopus in Hong Kong.

Other radio frequency (RF) control systems which do not use RFID:

Apps to read RFID tags:
TagInfo (NXP) and NFC reader read my RFID Ski Pass tag, but only gave information like the Tag ID, Manufacturer on my nexus 7.
None of them would detect the tag on a credit card.
The 2013 nexus 7 did give text "SKIDATA" with Taginfo but no user ID or name.
NFC Tools, NFC Taginfo (NFC), NFC Checkin and Banking Card Reader didn't read anything on my nexus 7.

RFID frequency bands
Band Regulations Range Data speed Remarks Approximate tag cost
in volume (2006) US $
120-150 kHz (LF) Unregulated 10 cm Low Animal identification, factory data collection $1
13.56 MHz (HF) ISM band worldwide 10 cm - 1 m Low to moderate Smart cards (ISO/IEC 15693, ISO/IEC 14443 A,B). Non fully ISO compatible memory cards (Mifare Classic, iCLASS, Legic, Felica ...). Micro processor ISO compatible cards (Desfire EV1, Seos) $0.50 to $5
433 MHz (UHF) Short Range Devices 1-100 m Moderate Defense applications, with active tags $5
865-868 MHz (Europe)
902-928 MHz (North America) UHF
ISM band 1-12 m Moderate to high EAN, various standards $0.15 (passive tags)
2450-5800 MHz (microwave) ISM band 1-2 m High 802.11 WLAN, Bluetooth standards $25 (active tags)
3.1-10 GHz (microwave) Ultra wide band to 200 m High requires semi-active or active tags $5 projected
Source RFI - Wikipedia
Alien Tech Tags - 
Apple Pay 
ARPT - An Active Reader Passive Tag
AEIPS - American Express implementation of EMV
CCM - Card Content Management 
CSN  - Card Serial Number
D-PAS - Discover/Diners Club  implementation of EMV
EMV - Europay, MasterCard, and Visa -global standard for integrated circuit cards
HF - High Frequency - 13.56 MHz (up to 1 m)
Google Wallet  - Charge to your credit cart with NFC or web.
LF - Low Frequency - 125 and 134.2 kHz - short range (a few cm)
LLC - Logical Link Control
LLCP -- Logical Link Control Protocol 
M/Chip  MasterCard  implementation of EMV
NDEF - NFC Data Exchange Format
NFC Tag - A small object, such as an adhesive sticker, storing data in NDEF format.
NXP Semiconductors  -  Creates solutions for the Connected Car, Cyber Security,
                      Portable & Wearable and the Internet of Things
PRAT - Passive Reader Active Tag - system has a passive reader which only 
  receives radio signals from active tags (battery operated, transmit only).
  The reception range of a PRAT system reader can be adjusted from 1-2,000 feet 

POS - Point of Sale
RFID - Radio Frequency Identification
Tag - A small device (about the size of a large grain of rice) containing an RFID chip
    They can be injected under an animals skin for identification.
SD - Secure Digital card
SE - Secure Element - A trusted execution environment - Secure storage and execution
SIM - Subscriber Identity Module on mobile phones to identify the user 
SMS - Short Message Service - Text messaging - 
  SMS Payments are currently one of the most popular methods of using
   mobile phones to pay for goods or services.
TSM - Trusted Service Manager
UHF - Ultra High Frequency - 868 - 915 MHz (up to 10 m)
      ETSI (Europe) 868 MHz
      FCC (USA) 915 MHz
VSDC - Visa  implementation of EMV

Near Field Communications (NFC)
Alliance Activities : Publications : NFC Frequently Asked Questions " Smart Card Alliance
Radio-frequency identification - Wikipedia,
Frequently Asked Questions - RFID Journal

Other uses:
12 cool uses of RFID chips
RFID uses - RFID News: September 2014
Tadbik - RFID & NFC Solutions
NFC Tag Uses - YouTube

RFID Technology: Perspectives and Technical Considerations of Microstrip Antennas for Multi-Band RFID Reader Operation | InTechOpen
How to disable the RFID chip in your credit cards | Kuini's Centre For People Who Can't Cook Good And Wanna Learn To Do Other Stuff Good Too
Practical Security of Smart Tokens

last updated 20 Apr 2015