  Near Field Communication (NFC) technology is based on a short range radio
communication channel which enables users to exchange data between devices.
With NFC technology, mobile services establish a contactless transaction system
to make the payment methods easier for people. Although NFC mobile services
have great potential for growth, they have raised several issues which have
concerned the researches and prevented the adoption of this technology within
societies. Reorganizing and describing what is required for the success of this
technology have motivated us to extend the current NFC ecosystem models to
accelerate the development of this business area. In this paper, we introduce a
new NFC payment application, which is based on our previous NFC Cloud Wallet
model to demonstrate a reliable structure of NFC ecosystem. We also describe
the step by step execution of the proposed protocol in order to carefully
analyse the payment application and our main focus will be on the Mobile
Network Operator (MNO) as the main player within the ecosystem.
