To enable mobile payment in retail commerce, support devices need to be designed and developed and the traditional business procedures need to be remodelled.

Corner stone of the new shopping experience will be the smart shopping cart that will be able to read product information from tagged merchandize. The captured information will be transmitted to a newly developed back-office module, which is integrated with the legacy architecture of the retail operation.

The actual payment takes place at the initiation of the customer between the NFC enabled mobile handset hosting a banking card or a pre-paid balance and the shopping cart. Payment is location and time independent, can take place anywhere and any time within the premises of the store.

When payment is performed the back office information is updated and also the integrated security architecture is advised about the payment transaction. Upon leaving the store – customers may avoid any queuing or personal interaction after payment was performed – the security gate compares cart content and payment information and in case of discrepancy it notifies the security personal.

When the tagged products leave the store sensitive information on them may be deactivated.

Figure 3 StoLPaN shopping cart check-out

A retail environment will be established, where the above described shopping and payment process can be performed, with using smart shopping cart and integrated back-office and security infrastructure.