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Mobile Information Systems
Volume 2016, Article ID 5046284, 20 pages
Research Article

A Tokenization-Based Communication Architecture for HCE-Enabled NFC Services

NFC Lab-Istanbul, Department of Information Technologies, ISIK University, 34980 Istanbul, Turkey

Received 28 April 2016; Revised 16 October 2016; Accepted 26 October 2016

Academic Editor: Laurence T. Yang

Copyright © 2016 Busra Ozdenizci et al. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.


Following the announcement of Host Card Emulation (HCE) technology, card emulation mode based Near Field Communication (NFC) services have gained further appreciation as an enabler of the Cloud-based Secure Element (SE) concept. A comprehensive and complete architecture with a centralized and feasible business model for diverse HCE-based NFC services will be highly appreciated, particularly by Service Providers and users. To satisfy the need in this new emerging research area, a Tokenization-based communication architecture for HCE-based NFC services is presented in this paper. Our architecture proposes Two-Phased Tokenization to enable the identity management of both user and Service Provider. NFC Smartphone users can store, manage, and make use of their sensitive data on the Cloud for NFC services; Service Providers can also provide diverse card emulation NFC services easily through the proposed architecture. In this paper, we initially present the Two-Phased Tokenization model and then validate the proposed architecture by providing a case study on access control. We further evaluate the usability aspect in terms of an authentication scheme. We then discuss the ecosystem and business model comprised of the proposed architecture and emphasize the contributions to ecosystem actors. Finally, suggestions are provided for data protection in transit and at rest.