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Near Field Communication (NFC) has reinvigorated the multi-application smart card initiative. The NFC trials are relying on an extension of Issuer Centric Smart Card Model (ICOM) referred as Trusted Service Manager (TSM) architecture, which may create market segregation. Where the User Centric Smart Card Ownership Model (UCOM) takes an opposite approach of delegating the smart card ownership to its users. Therefore, to reconcile these two approaches we proposed the Coopetitive Architecture for Smart Cards (CASC) that avoids market segregation, increase revenue generation, and provide flexibility, robustness, and scalability. To support the CASC framework in this paper, we propose an application installation protocol that provides entity authentication, trust assurance and validation, mutual key and contractual-agreement generation. The protocol is compared with existing protocols on its performance, stated security, and operational goals. Furthermore, CasperFDR is used to provide a mechanical formal analysis of the protocol.

Coopetitive Architecture to Support a Dynamic and Scalable NFC Based Mobile Services Architecture