The NFC (Near Field Communication) mobile-payment application is currently in trials in United States, Germany, Finland, Netherlands and a few other countries, with transport ticketing as primary use. Just touch your phone or bring to within a few centimeters ant it will act just like the credit card or debit card. Mobile-payment-enabled phone is associated with a bank or Credit card company.
The technology is just like RFID (Radio Frequency Identification) transmitters used in contactless credit cards. But NFC overrules RFID by making two way connection whereas in RFID only one way connection is possible. This renders connection more secure.
RFID tags in contactless credit cards, only sends information when asked, wherewa in NFC can receive too. Nokia was first to launch NFC integrated phone.
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