6. Conclusion

In terms of the elements that make up a contactless mobile payment solution, the security of the system depends first and foremost on the issuer of the means of payment. The issuer has a contractual relationship with the customer using the service.

Mobile dematerialization boils down to a new form factor for existing cards, with new risk management rules, thanks to connectivity and interconnection with open systems.

However, this same connectivity can now be used to update the security of software components in real time, such as countermeasures.

• The security of the NFC – contactless radio interface, synonymous with ease of use –, depends above all on the security of the higher transaction layers, which themselves rely on the robustness of standards such as EMV, Global Platform and associated...