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Intel Processor Comes With NXP NFC Reader for Tap-and-Go Online Payment

Computers and tablets containing the processor can read the tags in NFC-enabled credit cards registered with MasterCard's MasterPass e-wallet service, enabling secure, convenient Internet transactions.
By Claire Swedberg
Nov 25, 2013

Individuals using computers or tablets containing Intel's 4th Generation Core processor can make payments for goods online by simply tapping their Near Field Communication (NFC)-enabled credit card against their device. That's because the Intel processor comes with a built-in NXP Semiconductors PN544PC NFC RFID reader chip, capturing the credit card's ID number and transmitting an encrypted version to a merchant, as well as to MasterCard's MasterPass e-wallet service, to complete a purchase.

The technology is intended to provide consumers with greater security and convenience, explains Michel Brun, NXP's international product marketing director for product line infrastructure. Although shoppers already make purchases online (American consumers are expected to purchase $262 billion worth of goods and services this year via e-commerce websites), credit card numbers are not always entirely secure. When shoppers enter a credit card number and a security code to be sent to a server, there is always the possibility of a computer virus or a Trojan hacking program collecting that data and providing it to someone else. With the NFC MasterPass e-wallet and Intel Core processor's Identity Protection Technology (IPT), however, this is not a concern since the credit card number captured by the NFC reader is encrypted and thus of no use to potential identity thieves. What's more, Brun says, NFC technology makes shopping more convenient, since an individual simply taps the NFC-enabled card against the reader built into a computer or laptop, rather than entering a series of numbers.

When a consumer makes a purchase at an e-commerce website that supports MasterPass Wallet, the site invites her to select the Tap & Go button for an NFC-based transaction, and to tap her card on her computer's NFC reader.
The IPT stores a security passcode in the Intel processor. When a user makes a payment via MasterPass, the IPT sends the security password to the MasterPass service, which can then confirm, in less than a second, that the device is authorized to make that transaction.

Intel collaborated with MasterCard to provide the solution that works with any NFC-enabled credit card (whether Visa, MasterCard, Discover or American Express) registered with the MasterPass Wallet. If an individual is visiting a participating merchant's website, she can make a purchase using her NFC-enabled credit card. First, the merchant's site provides a prompt for the user to click on or press, inviting that person to make a MasterPass payment. Upon selecting that prompt, the user is directed to the MasterPass Wallet website. To use the system, the individual will initially need to register her computer and input her MasterPass Wallet ID number. Intel Identify Protection technology loaded on the processor will then encrypt that ID.

USER COMMENTS

John Candido 2014-09-03 04:45:33 AM
Allowing contactless payments from your desktop computer, laptop, ipad, and smartphone will be fantastic. I really look forward to making use of this technology the next time I update my computing devices.

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