POS TERMINALS AND NFC JORDI JOFRE NFC READERS NFC EVERYWHERE 05/12/2017 PUBLIC
Agenda • NFC payment market. • POS and mPOS system architecture. • NFC and reader ICs portfolio for payments. • NFC and reader ICs support package. • POS reader design support package − SLN-POS-RDR reference design − POS certification support 1
NFC payment market 2
The evolution of payments Form factors have followed the customer needs and available technology 1 2 3 4 5 Now Future Pay anywhere, anytime using mobile magic Mobile Pay without getting anything Bartering Coinage Bank notes Credit cards out of your pocket payments Instrument Coins Notes Checks Cards Phones Wearables Acceptance Purse Register POS mPOS, PC/Tablet, Embedded device 3
Payment terminals: POS and mPOS TRADITIONAL POS Standalone solutions that allow the authorized • acceptance of credit cards for financial transactions Their own screens and PIN pads to be able to process • contact, contactless, and mag-stripe payments, often with a receipt printer included or attached. MOBILE POS (MPOS) Secure accessory to a phone, tablet or PDA. • Provide a solution for card reading using the • connectivity of a handset/tablet to authenticate online Cost-efficient, portable and fast to install • Small merchants, taxis, POS-multiplication • 4
Payment terminals: Worldwide market dynamics More than 70% of POS / mPOS solutions shipped are integrated with contactless card interface in 2016. By 2020, the percentage will be over 90%. Payment terminal shipments (Mp) Global traditional POS market (wo china low end) kept double digital growth of 12% in 2016. PCI 5.0 (release 12 12 13 15 14 end 2016) will also trigger new market increase. 16 18 8,78 8,37 7,87 7,59 7,76 6,78 mPOS total shipment in 2016 has increased by 14% 6,08 since 2015 and is expected to show 5% CAGR for 2017~2022. 25,37 24,55 23,88 22,94 23,26 22,09 19,91 Low end mPOS (China). It moved to contact interface 2016 2017 2018 2019 2020 2021 2022 in 2016, with some contact-less penetration in 2017; POS mPOS china low end mPOS (estimated) expected to decrease due to stronger regulation. Sources: POS, mPOS ABI research Q4 2017, China low end : NXP internal 5
POS and mPOS system architecture 6
POS and mPOS architecture Payment terminal architecture is evolving QR code Camera Payment Power & Battery Management EMVco Payment External Memory PMIC & Int. Nor, NAND, XIP Battery Charger Memory, DDRx etc. SAMs Contact (Up to Reader x5) Standard Connectivity interface Wired Interfaces Serial USB OTG Secure USB Contactless Micro controller/processor Reader PCI Compliant interface SDIO Bluetooth / Wi-Fi CTS/RTS UART / Back-end system Wireless SiP Module Flex IO Crypto Engine CAAM Engine (RSA, ECC, 3DES,ECC,SHA, DPA) GPRS/3G/4G/LTE Magstripe Card Reader Etc… TRNG Legacy Payment Tamper module Smartphone / tablet Wireless Connectivity Fingerprint sensor incumbent technology Sensors Display (for tamper LEDs (+ LCD Driver if not in resistance) the MCU) new technology being integrated Biometric Payment User Interface / Pin Entry 7
Tablet POS , POS/mPOS split architecture – Trending! Buzzer Battery Thermal External Memory RTC Printer NOR, NAND, DDRx PMU Payment co-processor Standard Connectivity SAMs I2S Timer / PWM Secure Microcontroller Contact (Up to PCI Compliant Wired x5) 2 x Reader ISO7816-3 USB OTG Interfaces EMVSIM Serial USB SDIO Host Bluetooth 2.1/ UART / SPI/ SPI/ interface Flex IO Bluetooth 4.2 / UART UART Application processor SPI / Flex Io Contactless Wi-Fi Reader running rich OS Crypto Engine LTC Engine GPRS/Cellular (RSA, ECC, SDRAM/ 3DES,ECC,SHA, DPA) QSPI SPI/ TRNG FAC Optional Wireless Connectivity UART Display Magstripe Security T/V ADC Controller Tamper Pins Card Reader Backlight DC/DC QR Code EMEG Schottky Diode Camera LED driver Display LEDs User Interface Sensors Transactiion (for tamper LEDs Display resistance) (if applicable) User Interface / Pin Entry 8
NFC and reader ICs for payment: Product details 9
CLRC663 plus – push your design further Best performance at lowest power consumption ▪ Full RF standard compliance ▪ High performance and more flexible antenna design ▪ EMVCo 2.6 ready (analog & digital compliance) ▪ Longer battery life: Power-saving modes and extended LPCD options. ▪ Industrial / Automotive temperature range (-40 ºC – 105º C) ▪ Multiple interfaces and support for high-security reader implementations ▪ Compact package (HVQFN32 with wettable flanks) NFC frontend CLRC633 plus 10
CLRC663 plus vs CLRC663 250mA 350mA 500mA Maximum operating transmitter current increases CLRC663 by 40% for CLRC663 plus with 2x the limiting value of the CLRC663 CLRC663 plus 26mm 66mm CLRC663 plus has new configuration options(2) CLRC663 enabling up-to 2.5x the detection range in LPCD(1) mode CLRC663 plus -40 ° C -25 ° C 85 ° C 105 ° C CLRC663 plus has an automotive or industrial CLRC663 operating temperature range: -40 to +105°C CLRC663 plus 2.5V 3.0V 5.5V CLRC663 CLRC663 plus enables better support for battery powered systems CLRC663 plus 1. Low Power Card Detection 11 2. New LPCD configuration options are Charge Pump (enabled/disabled) and LPCD Filter (enabled/disabled)
PN5180 – The Best full NFC frontend in the market The best full NFC frontend in the market ▪ Multi-protocol and high RF performance ▪ Full NFC Forum and EMVCo compliant frontend ▪ Flexible low power card detection ▪ Efficient, robust and reliable operation even in harsh conditions ▪ Maximum interoperability for next generation of NFC phones ▪ Onboard Dynamic Power Control (DPC) for optimized RF performance ▪ Fast SPI host interface with optimized commands for use with 32-bit host controllers ▪ Small, industry-standard packages with BGA form factor for PCI compliancy. NFC frontend PN5180 12
PN5180 – DPC in more detail EMVCo analog compliancy - too high power in close distance (clipping) PN5180… with DPC theoretical optimum - getting the best long range power and avoiding close coupling power impacts PN5180… without DPC PN5180… with DPC typical example - reaching long range requirements and EMVCo analog compliancy - optimising current consumption high power required in far distance to reach minimum levels (comm distance) Transmitter current for detuning compensation Dynamic Regulation of… H-Field within the operating volume Modulation index and rise/fall times Dynamic Power Control enables up to 30% increase of the nominal driver current at same max driver spec 13
PN7462 – NFC and contact interfaces, MCU, and SW one chip The first all-in-one NFC solution ▪ Integrated Cortex-M0 microcontroller with customizable memory ▪ State of the art RF interface with EMVCo and NFC Forum compliance for easy certification ▪ DPC for optimized antenna performance ▪ Contact interface compliant with ISO/IEC 7816-2 to 4 ▪ One configurable host interface: I2C, SPI, USB, HSUART ▪ Two master interfaces: I2C and SPI and 12 to 21 GPIOs ▪ Advanced power management ▪ HVQFN64 package (9x9 mm) NFC Controller with application PN762 14
PN7462 as a payment co-processor for a POS system TDA8026 PN7462 as EMVCo L1 co-processor SAMs I 2 C AUX I/O 27.12MHz SPI USB PCI PN7462 compliant CPU Contactless IF ISO/IEC7816 EMVCo compliant contactless and contact interfaces 15
NFC and reader ICs for payment: Product comparison 16
NXP offers a complete CL/NFC portfolio for POS/mPOS ISO/IEC ISO/IEC Dynamic Integrated Integrated Reader / SW stack Output EMVCo RF 18092 Power CPU contact 18092 writer power (TX Target interface Initiator Control current) ISO/IEC14443 5V CLRC663 EMVCo L1 EMVCo L1 FeliCa (350mA up to No Passive No No without booster NFC Reader plus ISO/IEC15693 500mA peak) ISO/IEC14443 Active & Active & 5V EMVCo L1 EMVCo L1 PN5180 Yes No No FeliCa Passive Passive (250mA) without booster NFC Forum ISO/IEC15693 ISO/IEC14443 EMVCo L1 CL Active Active 5V EMVCo L1 Cortex M0 Yes PN7462 FeliCa Yes EMVCo L1 CT & Passive & Passive (250mA) without booster ISO/IEC15693 NFC Forum Reader & Writer Peer-to-Peer 17
NXP offers a complete CT reader portfolio for POS & mPOS EMVCo L1 Number of Package Card class SW stack ESD Card card slots support protection management Class Sync & TDA8034 8 kV EMVCo L1 Compliant 1 HVQFN24 A,B,C Async Class Sync & TDA8035 1 HVQFN32 Compliant 10 kV EMVCo L1 A,B,C Async Class Sync & TDA8026 Compliant 5 7 kV TFBGA64 EMVCo L1 A,B,C Async 18
NFC and reader ICs for payment: Support package 19
CLRC663 plus, PN5180 and PN7462 development kits Ordering details Ordering details Ordering details ▪ Orderable part number: OM26630FDK ▪ Orderable part number: OM25180FDK ▪ Orderable part number: OM27462CDK ▪ 12NC: 935339151699 ▪ 12NC: 935307319699 ▪ 12NC: 935307851699 ▪ URL: www.nxp.com/demoboard/OM26630 ▪ URL: www.nxp.com/demoboard/OM25180FDK ▪ URL: www.nxp.com/demoboard/OM27662CDK ▪ Straightforward antenna design with NFC Cockpit tool ▪ Different antenna PCBs for easy antenna matching 20 ▪ Easy application development with NFC Reader Library
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