Presentation by Sherif Samy of Underwriters Laboratory at the March 2014 Spotlight for Developers Day.

1. NFC in Retail: Looking
Beyond Payment
Sherif Samy
Commercial Director - UL
Transaction Security business
March 21, 2014 | San Francisco

2. About UL – Standards, Compliance, and Safety
Cabling
Alarm systems Vaults
Sustainability
Efficiency
UL certifies against
own ‘UL standards’...
...as well as formal
industry standards
FCC
WiFi
Energy StarBluetooth Low Energy

3. Consumer Merchant
Issuer Acquirer
‘Classic’ 4 corner model
of retail payments
Transaction layer
POS
Acquirer
Processor
Processing layer
(scheme, PSP)
Financial layer
(ACH, Financial
Institution, Bank)
magnify
Phone HW
OS
App
Dongle
Payment
Gateway
Scheme
Licensee
Merchant
Services
Merchant
Settlement
ACH
Gateway
Deposit
Accounts
Bank (PI)
Licensee
UL Transaction Security
Expanding UL’s public safey mission...
...from physical into the digital world
• Payments
• Mobile
• Digital security
• Vertically integrated

4. Evolution of Payments
Embossing
Magstripe
EMV Chip
Contactless Chip

5. NFC widens your project scope and possibilities
“thinking from a consumers perspective”
Its not just a form factor replacement
Product Discovery
Read reviews
Compare products
Social media
Browse catalogue
Buy where?
Get offers
Find merchant
Store locator
Loyalty
Transact
Close deal
Redeem coupon
Pay
Up selling
Delivery
Download content
Track & Trace
Shipping details
e-Receipt
Customer care
Electronic receipts
Help desk
Twitter
Write reviews
Demand generation (advertising, direct marketing)

6. NFC widens your project scope and possibilities
“thinking from a consumers perspective”
Its not just a form factor replacement
Product Discovery
Read reviews
Compare products
Social media
Browse catalogue
Buy where?
Get offers
Find merchant
Store locator
Loyalty
Transact
Close deal
Redeem coupon
Pay
Up selling
Delivery
Download content
Track & Trace
Shipping details
e-Receipt
Customer care
Electronic receipts
Help desk
Twitter
Write reviews
Demand generation (advertising, direct marketing)
Get to understand your customers.
Unknown customer Known customer Understood
customer

7. NFC use cases – Before check-out
 Check-in and get real-time offers
 Get rewards
 Find your way – incl. shelf info
 Get pricing and check offers
 Get further info on supply chain
 Order online for delivery
 Direct (remote) Merchants communication
 Get Product information and reviews
 Get offers and coupons
 Get merchant locations
 Buy product remotely & collect in store
Smart Posters
Retail Shelf NFC labels

8. NFC use cases – During check-out
 Add / redeem gift cards
 Add & redeem loyalty points
 Add and Redeem coupons
 Receive relevant mobile marketing
 Check balance
 Check transaction details
 Tap and pay
 Self-scanning and self-check out
 P2P/transfer payment
 Obtain digital receipt

9. NFC use cases – After check-out
 Delivery and returns management
 Product warrantee – automatic registration
 Transaction history & balance information
 Customer service
 Reviews on social media
 Targeted relevant marketing

10. Some last thoughts…
• NFC can be applied to different stages of the m-commerce
funnel
• The value is the combination of NFC and mobile phone
capabilities
• NFC or other technologies like QR or BLE should not be
seen as competing but rather complementing technologies
depending on use case.

11. Thank you
Sherif Samy
Commercial Director - UL TS NA
sherif.samy@ul.com
www.ul-ts.com