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Marc-Alexandre Gagnon

Broadcom bets big on NFC for more than mobile payments - Tech News and Analysis [26Sep11] - 0 views

  • Broadcom, the radio chipmaker is making a big bet on mobile payments finally hitting its stride with its latest Near Field Communications chip.
  • Craig Ochikubo, VP of the business unit that oversees NFC at Broadcom believes it’s finally time for mobile payments to shine.
  • NFC can be used to authenticate a device more easily than a Bluetooth pairing, so if someone wanted to share a video file from his phone to his television set, all he would have to do is swipe the phone against an NFC reader and ship the file over using a Wi-Fi or other large data rate protocol.
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  • “We can’t ignore mobile payments. So much has happened recently and carriers and banks and credit card companies all see that there’s a revenue stream involved, and so they’re working together,” said Ochikubo.
  • Making it easier to connect the phone to other networks securely and easily could enable a host of new applications he thinks.
  • Ochikubo believes the time for mobile payments is now
  • Many of the large credit card companies view mobile payments as a way to help cut down on fraud, and so are actively trying to persuade merchants to swap out their old equipment with new gear that will also read NFC chips. Visa for example has pushed a plan that will lower the costs of complying with security certifications if merchants switch.
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    Broadcom bets big on NFC for more than mobile payments - Tech News and Analysis http://t.co/10TMppos
Dan R.D.

Nokia and Jiepang Team-Up for NFC Check-In Trials Across China [25Aug11] - 0 views

  • When we spoke to Jiepang CEO and co-founder David Liu back in June, he told us that a second-round of in-the-field NFC trials was coming, and now we see what Jiepang and Nokia were cooking up. Impressively, Nokia has even released three new NFC-capable handsets to coincide with this – the Nokia 600, 700, and 701 (pictured above) – which would all work perfectly with Jiepang’s newest NFC poster check-ins. The three Symbian-Belle powered smartphones are aimed at developing countries where customers are looking for an affordable but powerful device. The 701 model will sell for 290 Euros (2,700 RMB), which puts it at about the same price as new Android-powered phones from HTC, such as the Desire.
  • Jiepang’s NFC posters – just put your phone up against one for an automatic, smart check-in – will appear in six cities across Greater China: Beijing, Shanghai, Guangzhou, Chengdu, Hong Kong and Taipei. Actually, any NFC-equipped phone could make use of them, such as the Samsung Nexus S.
Dan R.D.

Windows 8 will support NFC | Ubergizmo [14Sep11] - 0 views

  • NFC still isn’t too common in the US, but it looks like it’s going to be a standard feature for all future mobile devices. Manufacturers have been slowly implementing NFC functionality into their phones and tablets recently, so it’s no surprise that Microsoft today announced that Windows 8 will ship with native support for NFC. For those not in the know, NFC (Near Field Communications) is a method of communication that two mobile devices can use to communicate with each other just by being in each other’s presence. It can be used for a whole range of functions such as making payments, to collecting information. Today at the BUILD conference, Microsoft also demonstrated the usage of NFC on its Windows 8 tablet. Using an NFC-enabled business card, the demonstrator could simply collect the website address from it by pointing the corner of the tablet towards the card and tapping the notification. It sure beats launching a QR code scanner or manually typing it in. Check out the video after the break:
Dan R.D.

NFC and the Internet of things | VentureBeat - 0 views

  • Because NFC tags are more expensive than barcodes or RFID tags (just under $1 in volume) they will make their way into high-end retail products first: Cars, electronics, consumer appliances.  As more products start to include NFC tags, this will drive the price down even further.  As the price goes down, NFC tags will make their way into products $20 and above (clothing, wine, shoes, Costco-sized purchases). And then there are the phones. With almost 100 million NFC-equipped phones estimated to be shipped just over the next year and more than 1 billion predicted for the next four years, shopping, comparing, and purchasing via NFC-equipped smartphones will become commonplace.
Dan R.D.

Coming Soon to a Coffee Shop Near You: NFC-Powered Foursquare Check-ins [28Nov11] - 0 views

  • To enable NFC-powered check-ins, establishments need to display a sign or poster containing an NFC tag that points to their venue's Foursquare listing URL. Nokia's developer blog has some resources on getting started with NFC tags. Signs like this not only enable people to check-in with less effort, but can also provide a visual, real-world call to action. For non-power users of location services like Foursquare, it can be pretty easy to simply forget to check in to a restaurant or other local business. Having that sign hanging there can provide a mental trigger. Business owners can also use the opportunity to push promotions and deals, offering discounts or free products to the mayor or anybody else that checks in. Admittedly, the average person has no idea what NFC is right now. But it's almost universally predicted to reach mainstream adoption within a few years, quite possibly replacing our wallets and keys at some point in the future. NFC is already included on a number of Android-powered handsets and is rumored to be coming to the iPhone 5 next year.
Marc-Alexandre Gagnon

CES 2012's Big Sleeper: Near Field Communications - Mobility - Mobile business - Inform... - 0 views

  • NFC, the technology running behind Google Wallet and many mobile e-commerce applications, lurks in many of the smartphones on display at CES. But mobile commerce isn't the only reason that NFC deserves your attention.
  • the most potentially disruptive technology has so far gotten precious little coverage. I'm talking about Near Field Communications or NFC. Didn't get your pulse pumping? What if I told you that NFC is the technology behind Google Wallet and every other mobile e-commerce technology, and that it's likely to be built into a good many of the higher end smartphones shown at CES? If you believe industry watchers, there'll be about a half billion phones sold with the technology between now and 2015.
  • NFC can be used for a lot of things, and payment is just one of them. The close proximity technology can also be used to see specs and other details on retail items. As stores like Best Buy move to compete with Amazon on price, you can bet that this technology will be used to replace the pimply faced kid who actually knows a surprising amount about whatever it is he's selling. It could also be used to assure the lowest prices for price conscious consumers.
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  • There are non-retail uses too. This could finally be the technology that lets us exchange business card info without the card. You could pay tolls or get information from governmental agencies. Wouldn't it be nice if Mount Rushmore told you all about its sculptor Gutzon Borglum, or that it took 12 years to complete?
  • Of course the first concern for such communications is security, and there's plenty to worry about with NFC--not the least of which is that the standard doesn't presently encrypt transmissions. Nonetheless, all the major phone, credit card, and carrier vendors and a good number of governments are setting to trial the technology in 2012. NFC is one to watch.
Marc-Alexandre Gagnon

Google Wallet goes live with NFC payments - Tech News and Analysis - 0 views

  • Google is finally opening up its near field communication payment system, Google Wallet, today to the public, allowing Nexus S users on Sprint to try out contactless payments through their smartphone. It’s a little later than originally expected and again, with only one handset that supports it, Google Wallet is just the first step in a long process.
  • But it’s a significant one that begins a much broader effort by Google to change both the way people pay for goods in the real world and interact with merchants and retailers. Toward that end, Google announced today that it has struck deals with American Express, Visa and Discover so their cards will also be integrated into future versions of Google Wallet. Initially, Google Wallet launched with MasterCard as its first partner. But now, banks that issue cards through Visa and Discover will soon be able to load up their accounts directly on to Google Wallet.
  • For Google, the wallet initiative signals a new opportunity to market deals and discounts to consumers and allows merchants a new way to reach consumers and strengthen their relationships with them through discounts and loyalty programs. And it enables them to close the loop on transactions, so they can see how effective their marketing is.
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  • That’s what Google is really interested in: Taking a slice of the revenue that comes from increased Google Offers that can be redeemed through Google Wallet. It’s also one reason why the search giant is not taking a cut of the transactions. Instead, Google is trying to exploit the big opportunity in local advertising, taking NFC along for the ride. As an early incentive, Google is throwing in a $10 credit for users to try out Google Wallet this year.
  • Google Wallet in tandem with Google Offers is going to be a big venture in a market that will be hotly contested. Isis, a rival NFC payment system led by AT&T, Verizon and T-Mobile is also preparing to launch early next year. I recently wrote about PayPal unveiling the first glimpse of its offline payment solution, which won’t leverage NFC. Square, a hot start-up, is also capitalizing on the opportunity with mobile card readers, an iPad cash register system and a digital wallet for consumers. The credit card companies themselves are also pushing their own digital wallet programs. This is going to be a crowded market and all these companies, along with a host of smaller competitors, are going to trying to make good on this opportunity in mobile payments.
  • Google Wallet, if you recall from the big unveil in May, is a joint venture with MasterCard, Citi, Sprint and First Data. Users can connect their MasterCard Citibank cards to Google Wallet or load up funds on to a prepaid card in Google Wallet from other credit debit cards.
  • Users can make payments at any terminal equipped with MasterCard’s contactless PayPass technology. Google has struck a bunch of partnerships with retailers and restaurants, who will support Google Wallet and incorporate their own loyalty programs into it. In some of these cases, retailers need to work to enable or upgrade their point of sale systems to handle Google Wallet integration. Partners include Bloomingdale’s, Macy’s, Walgreens, Subway, American Eagle Outfitters, Peet’s and others.
  • There’s still many questions around Google Wallet. Google said it’s talking to other carriers and manufacturers about supporting Google Wallet and including NFC integration, but right now, there are no other Google Wallet handsets to announce. It’s also unclear when other bank cards will be supported directly in Google Wallet though Google said it is talking to banks about adding that functionality. But Google has pitched its wallet as an open platform that anyone can participate in, so the system will no doubt evolve over time.
  • Google still has a long ways to go to pitch consumers on the benefits of paying by phone. As we’ve noted, many consumers are happy paying with a card. Merchants also need to see a reason to step up and make an investment in next generation hardware that can support contactless payments. This is going to take a lot of selling and a good narrative for both parties. Google hasn’t embraced big marketing campaigns in the past though it has enlisted the help of actor Jason Alexander of Seinfeld fame to help tease Google Wallet. It’s going to need a lot more of that mojo to make sure Google Wallet can realize the company’s ambitions.
Marc-Alexandre Gagnon

Telefonica trials NFC payments using BlackBerry smartphones | Econsultancy [24Nov11] - 0 views

  • Telefonica Digital staff are to start testing NFC payments using BlackBerry smartphones, RIM announced in a blog post yesterday.
  • In collaboration with local banks and retailers, 350 Telefonica employees will trial the devices at its headquarters in Spain.
  • Telefonica CEO Matthew Key is quoted as saying the technology will be rolled out in several markets in 2012.
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  • The ‘Telefonica Wallet’ is enabled on BlackBerry Bold 9900 (pictured below), Curve 9360 and Curve 9380 models, allowing staff to make payments and access the company offices by tapping their smartphone against a reader.
  • The system replicates a physical wallet, allowing users to choose from a range of cards to make transactions or simply check account balances.
  • But concerns around security will be the main obstacle, and Brill says that in his experience consumers tend to be polarised into those who think NFC technology is a great idea and those who are suspicious about it.
  • Brill, who also chairs the DMA mobile council, believes the dual functionality of the Telefonica Wallet could be key to its success.
  • “Touch payments have been available in debit cards for some time but there hasn’t been a major take up. It is difficult to force new behaviours on people, you have to tie it in with something they are already doing,” said Brill.
  • Phone manufacturers would certainly have us believe that NFC is the future, and PayPal claimed today that we will be living a cash-free existence by 2016.
  • Mark Brill, CEO of Formation, warned that the test won’t mean much unless Telefonica and RIM can learn something from it.
  • But with predictions that up to 50% of smartphones could be NFC-enabled in the next three years, it may be the case that carrying cash could soon become passé.
Dan R.D.

NFC System to Aid Diners [28Mar11] - 0 views

  • May 24, 2011—CustomerIn Systems, a Canadian software-development firm located in Vancouver, B.C., is providing Near Field Communication (NFC) solutions for restaurants, bars and other entertainment establishments.
  • The first of what the company hopes will be many NFC solutions is a restaurant application dubbed the Connected Restaurant. This application, which has been deployed and tested, allows diners to use their mobile phones to request a table, order a drink and receive other services via their NFC-enabled phones.
  • known as SimpleNFC.com will provide developers with application software to build their own NFC solutions, and enable them to purchase software kits and tags.
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  • A customer arriving at a participating restaurant—one with a CustomerIn application and NFC tags installed in its business—could check in by tapping his or her NFC phone against a tag affixed at the front desk. Once the patron taps the phone, it sends the tag's ID number to a CustomerIn server via a cellular link. By using the Connected Restaurant application loaded onto the phone, that individual can then select prompts to request a table.
Marc-Alexandre Gagnon

Six handset makers back Isis NFC payment [29Sep11] - 0 views

  • LONDON – Isis, a joint venture between U.S. mobile phone service providers AT&T Mobility, T-Mobile USA and Verizon Wireless, has announced that HTC, LG, Motorola Mobility, RIM, Samsung Mobile and Sony Ericsson will introduce NFC-enabled mobile devices that implement Isis NFC and technology standards for electronic payment.
  • Isis is working with DeviceFidelity Inc. (Richardson, Texas) to standardize the addition of NFC functionality to cell phones to turn them into electronic wallets, which DeviceFidelity does using a micro-SD card technology.
  • Pilot deployments are expected in 2012.
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  • NFC-enabled phones are expected to allow consumers to make payments, store and present loyalty cards and redeem offers at participating merchants with the tap of their phones
  • However, the industry has been slow to implement the technology as different groups – particularly credit card companies and cell phone service providers – have maneuvered for control of systems in deployment and lobbied for support and critical mass.
  • "NFC is the future of mobile payments and will ensure that transactions are done securely from mobile devices,"
Marc-Alexandre Gagnon

At f8, Facebook to jump on the NFC train - Tech News and Analysis [22Sep11] - 0 views

  • In a matter of hours, Facebook is going to host f8, its annual developer conference.
  • My sources are telling me that the company is going to make some sort of announcement around NFC technologies at the event as well.
  • The Places product will have some NFC elements built into them, and the social network is working closely with some hardware vendors.
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  • NFC is a short-distance wireless technology, and it is likely to be a catalyst for m-commerce. Some research groups believe that by 2014, one in five phones will be NFC-enabled.
Dan R.D.

PayPal unveils peer-to-peer NFC payment system [13Jul11] - 0 views

  • PayPal has shown their new peer-to-peer NFC payment system at MobileBeat 2011 today, using two Android powered Samsung Nexus S phones.  The premise is simple -- open the app on both phones, enter the payment amount on one, and bump them together.  After the buzz, enter account details, and the payment is processed.  Afterwards, the normal email receipts are generated and sent out, just like we did it in the old days.There's no firm date when to expect this, but PayPal says "late this summer".  Another compelling reason for manufacturers to put NFC capabilities in their new models, or just a security concern?  Either way, we'll find out soon enough.  Hit the break to see a demo video.
Dan R.D.

SecureIDNews | Easier, better identitiy on the horizon - 0 views

  • The first of these changes is BYOD (Bring Your Own Device) computing. BYOD is a much better term than “consumerization” and really portrays the meaning that many of us are buying smart phones, tablets or laptops to use them on a work network. The tension this creates is predictable.
  • In 2012 and beyond, we’re going to see more and more different devices coming into the workplace.
  • If you use PayPass, Tap & Go, or other contactless credit cards, that’s NFC. In fact, NFC hardware already is appearing in smart phones and tablets. There are relatively few devices with NFC today, but there will be more in 2012.
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  • The next of these changes is increased security on mobile devices.
  • Just a few weeks ago, Forrester Research said, “It’s time to repeal Prohibition” about Macs in the workplace, but the real changes are going to come from the smartphones and tablets.
  • Together, three trends lead to an Internet of Things, where smart phones use NFC to make statements about the physical world. For example, there has already been an art exhibition that lets visitors vote for their favorite display by tapping with their smartphone. But more importantly, there’s an Internet of Secure Things coming. You will be able to use your smartphone to badge in to work, unlock your PC, start your car or motorcycle (the prototype of that is already working), as well as merely pay for things.
  • Together, three trends lead to an Internet of Things, where smart phones use NFC to make statements about the physical world. For example, there has already been an art exhibition that lets visitors vote for their favorite display by tapping with their smartphone. But more importantly, there’s an Internet of Secure Things coming. You will be able to use your smartphone to badge in to work, unlock your PC, start your car or motorcycle (the prototype of that is already working), as well as merely pay for things. It isn’t going to all happen in 2012, but we are likely to look back at 2012 as the year when it took off.
  • It isn’t going to all happen in 2012, but we are likely to look back at 2012 as the year when it took off.
Marc-Alexandre Gagnon

Wireless Dynamics releases RFID read/writer SD card - 0 views

  • RFID tag information can be communicated in real-time to the enterprise database through Wi-Fi, CDMA, GSM or Bluetooth connections associated with PDAs and Smartphones. The SDiD Card allows for safe and secure product and client information storage, updates and processing.
  • The SDiD Card also supports Near Field Communication (NFC) technology allowing consumers to use their devices to access product and entertainment information, compare prices and perform transactions. Consumers can make contactless payments, redeem coupons and points and receive instant promotions and rewards. NFC is a combination of contactless identification and interconnection technologies developed by Philips and Sony. NFC enables short-range radio frequency (RF) communication between personal electronic devices. The NFC based SDiD Card allows PDA and Smartphone users to access product information or entertainment content such as pictures, music and video clips by waving their mobile devices in front of a smart poster or kiosk. Users can also exchange such information with other users through NFC or mobile connection of their devices.
  • Wireless Dynamics offers two SDiD Card versions, the SDiD 1010 and the SDiD 1020. The SDiD 1010 is a NFC-based SD Card supports ISO14443A standard, NFCIP-1, Philips MIFARE tag and Sony's FeliCa tag. It is ideal for contactless payment, advertising and promotional applications.
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  • The SDiD 1020 RFID based SD Card supports ISO 15693, ISO 14443A standards, Philips I-Code SLI and Texas Instruments Tag-it HF. The SDiD 1020 can be customized for industrial, enterprise and government applications.
  • Both the SDiD 1010 and 1020 Cards operate in the 13.56 MHz frequency range, over a distance of typically a few centimeters. The SDiD Card supports PDAs and Smartphones with SD Card slots and an SDIO interface based on Microsoft Pocket PC OS 2002, Windows Mobile 2003, and Palm OS 4.1.
  • Wireless Dynamics Inc. is introducing the SDiD Card, the first RFID (Radio Frequency Identification) Reader/Writer SD (Secure Digital) Card in the industry. Users can now utilise their Personal Digital Assistants (PDA) and Smartphones as portable RFID terminals. Applications include reading and writing RFID tags for the health-care, pharmaceutical, retail logistics, and other industries.
Marc-Alexandre Gagnon

Mobile payment apps work to make wallets obsolete - 0 views

  • Late last month, I ordered the beverage at Sightglass Coffee in SoMa, grabbed it from the counter and walked out without cracking my wallet.
  • Nobody chased me down because, when I first approached the cafe, the Card Case app on my iPhone detected the store's perimeter and automatically switched on. It broadcast my picture to the barista, who could then tap my pre-entered credit card number to cover the bill. The phone never had to leave my pocket.
  • It felt a lot like buying in the one-click environments of iTunes or Amazon, which is to say it didn't feel like buying at all. Square, the San Francisco startup behind the app, has come close to replicating the frictionless online buying experience in the brick-and-mortar world.
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  • "What we wanted to focus on was removing the mechanics of the transaction and building the relationship between the merchant and customer," said Megan Quinn, director of products at Square, which occupies space at the Chronicle building at Fifth and Mission streets.
  • But, of course, Square isn't the only company working hard to crack the nut of mobile payments - and they all face considerable challenges.
  • Google, Visa, MasterCard, VeriFone, eBay's PayPal division and a joint venture among AT&T, Verizon and T-Mobile are attacking the problem in various ways. In most cases, those businesses are going a different direction than Square, employing near field communications (NFC) technology that allows people to tap their phone near a terminal to make a payment.
  • Done right, mobile payments can accelerate the monetary exchange, while streamlining the issuance, acceptance and storage of receipts, coupons and loyalty cards. Down the road - once consumer and retail use reaches critical mass - the hope is that people will be able to leave their wallets at home altogether.
  • But there's a chicken and egg paradox: Customers won't start using mobile payments in great numbers until they're accepted in great numbers, and retailers don't have a huge incentive to roll these systems out until customers are clamoring to pay this way.
  • There are only about 150,000 retailers nationwide that accept payments over MasterCard's NFC-based Paypass readers. Google's Wallet payment app works with this system, and industry rumors suggest the next iPhone might as well.
  • Square, which has so far focused on small merchants has about 20,000 that accept Card Case.
  • Another big challenge is human inertia. To get people to download apps, key in credit card numbers and transform a habit they're very comfortable with, mobile payments will have to represent more than a little improvement over what they do today.
  • "You have to offer them a compelling reason to do it," said David Mangini, an IBM executive focused on mobile payments. "At a very, very minimum ... it has to be just as convenient, just as broadly accepted and just as safe."
  • One of the big knocks on basic NFC payments is that tapping a phone near a reader doesn't represent a whopping improvement over swiping a card. In addition, merchants have little to gain by replacing one expensive payment infrastructure with another, some observers say.
  • "It doesn't upset the status quo," said Nick Holland, senior analyst at Yankee Group. "It doesn't really change the original business model and it all goes through the same rails."
  • Receipts, deals Google argues that its NFC-based Wallet app is a big step forward for a few reasons. A single tap replaces not just the payment, but also the exchange of receipts, coupons and loyalty points.
  • On top of that, Google believes it's tying together the on- and off-line retail worlds, by allowing consumers to move the deals they spot on the Web into the Wallet app, where they can redeem them in the real world. Google Wallet also advertises nearby deals when users open up the app.
  • "For the consumer, it's really about tap, pay and save," said Osama Bedier, vice president of payments at Google. "On the merchant side, it's about closing the loop on that advertising."
  • This is a critical goal for Google, too, as it experiences slowing growth in online advertising - 93 percent of commerce still occurs offline, according to Forrester Research
  • For its part, Square steers around the limitations of NFC - as well as the various roadblocks of wireless carriers and credit processing networks - by leveraging the powers of the Internet to process payments. The credit card information is stored online, in Square's secure cloud, not on the device itself.
  • Square, which started by providing small attachments that allow merchants to swipe credit cards using mobile devices, acts as the merchant of record for its customers. This allows the businesses to quickly start accepting credit cards without going through the usual drawn out and expensive process of applying for a merchant account. But it also clearly puts more risk onto Square's shoulders.
  • Square turned on the hands-free feature on its Card Case app, which takes advantage of the so-called geofencing capabilities in the latest version of Apple's mobile software, in an upgrade to the app in November. The feature is only available on Apple devices to date
  • Quinn said "automatic tabs" represents an obvious improvement over traditional payments and it's quickly driving user growth (though the company doesn't disclose user numbers).
  • In addition, retailers have seen revenue leap as much as 20 percent since integrating the app. It drives traffic by highlighting nearby establishments, and the ease of payment encourages customer loyalty, the company says. Tips also tend to go up.
  • Is it safe? But the question that has dogged Square - and indeed hangs over much of the mobile payment space - is security.
  • Early last year, VeriFone CEO Douglas Bergeron blasted Square - its attention-grabbing young competitor - for what he called serious security flaws. In an online video, he argued that any bad actor could use the Square dongle and an easy-to-create app to skim credit card numbers.
  • Square CEO Jack Dorsey, also the co-founder of Twitter, defended the company's security practices in a letter. He also highlighted the inherent insecurity of credit cards, noting that any sketchy waiter is equally free to steal your information.
  • Meanwhile, Quinn argued that Card Case is actually more secure than credit cards because it only works if you're in the location and your face matches the picture that pops up on the merchant's screen.
  • The radio technology behind NFC has taken some security lumps, too.
  • Late last month, a security researcher at a Washington, D.C., conference used a wireless reader she bought on eBay to highlight some weaknesses of radio frequency identification, Forbes reported. She pulled the critical data from an RFID-enabled credit card through a volunteer's clothing, encoded that data onto a blank card and put it to use onstage.
  • Holland said that any new form of payment inevitably creates new forms of fraud. The challenge will be to educate consumers and merchants about how to minimize the risks.
  • "Clearly, having a device always with you and connected is a very inviting target for criminals," he said. "Any safe is only as strong as the key."
Marc-Alexandre Gagnon

Trade Your Wallet for Wireless - 0 views

  • People fed up with the proliferation of credit cards, IDs and key cards that fill their wallets to bulging may soon have an alternative. New technology could bundle such functions into just one item: your cell phone.
  • Near Field Communication technology, jointly developed by Sony and Royal Philips Electronics, lets wireless devices connect to other devices nearby and transfer data, from payment information to digital pictures. Samsung Electronics and Philips say they are developing cell phones with embedded NFC chips that could double as debit cards or electronic IDs. The companies plan to begin field trials toward the end of the year.
  • Such phones are already available in Japan and Korea, where users can charge their phones with virtual cash, then wave them near NFC-enabled machines to buy anything from a soda to lunch. But it remains to be seen how Americans will react to the devices, which are not yet available outside Asia, said wireless technology analyst Allen Nogee of In-Stat/MDR.
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  • "Americans seem to be more skeptical of new technology like this," Nogee said, largely because of security and privacy concerns.
  • However, Nogee said the systems seem to have adequate security measures -- like requiring personal identification numbers, so thieves could not make purchases -- and could provide consumers with added protections in some cases.
  • "In theory, merchants will have wireless devices they can bring to you," he said. "When you buy something in a restaurant, you have to give them your card. They go off with your card and could be writing down your number. With this, they'd bring a portable device to your table and (the transaction) would be encrypted."
  • But Nogee said some apprehension about privacy might be well-founded.
  • "A carrier, if they wanted to, could know exactly where you are any time of day, who you're calling, and now they can know what you're purchasing and where," Nogee said. "So if you tie all these things together, that's quite a lot of information available on you."
  • Payments are not the only potential use for the technology. Philips and Samsung have suggested NFC devices could also work as mobile transit passes for users who would swipe their phones to get access to public transportation, and as secure building-access keys and electronic business cards. The technology could also let users swap digital music, photos or other files between devices.
  • Don't go throwing away your wallet just yet, though. The companies have not set a date for when the phones will be for sale in the United States. And even if security and privacy worries are allayed, the technology will need to be widely usable for consumers to adopt it. That means NFC devices from different manufacturers must be interoperable and integrated to work with the credit card infrastructure.
  • To that end, Nokia, Philips and Sony formed the Near Field Communication Forum in March to promote implementation and standardization of NFC technology. Philips is also working with Visa to encourage support of the technology.
Marc-Alexandre Gagnon

NFCNews | Continental unveils NFC auto solution in Vegas - 0 views

  • German automotive supplier Continental has announced that it will showcase its new NFC-enabled vehicle access control solution this week at the Consumer Electronics Show in Las Vegas.
  • According to Continental, the “Simplify your Drive” system uses a virtual key that is stored on the SIM card of NFC-enabled phone. To unlock a vehicle, the user simply taps their handset against the car door equipped with an embedded reader.
  • In addition to access control, the solution makes it possible to load personalized settings – e.g., seat position, climate control, radio station, GPS directions to common destinations – on the NFC key, so that when you unlock the door your car automatically adjusts to your driving preferences, according to Continental. Drivers can also use NFC to wirelessly charge their cell phone during travel.
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  • According to Continental, the solution will be particularly useful for car sharing or car rental services, as it enables the provisioning of virtual car keys over the Internet, rather than having to keep track of physical keys.
  • For example, once the customer has selected a vehicle on the rental website, a temporary digital key from Continental and the driver’s profile is loaded onto the cell phone’s SIM card via a secure data link. At the same time, the cell phone receives the license plate number and the location of the car.
  • Continental says it is currently working with telecom companies to integrate services like Deutsche Telekom’s “mobile wallet” for storing and organizing the electronic car key in the cell phone. With the addition of mobile wallet technology, drivers may be able to organize their bank account or credit card data and pay for car sharing or car rental services
Marc-Alexandre Gagnon

PayPal pitches its wider vision for mobile payments - Tech News and Analysis - 0 views

  • PayPal has been a powerhouse in online payments but it hasn’t really cracked the much bigger market for payments for goods in the real world. Now, the company is starting to show off how it can put all of its components and recent acquisitions together to form a broad tool for mobile payments.
  • PayPal hosted a partner event for retailers yesterday and began explaining how they’ll be able to implement its tools for in-store payments. The big reveal will happen next month at PayPal’s developer conference in San Francisco, but the company showed a glimpse of how it’s marshaling its resources. It’s important for PayPal to step up with a compelling offering because the mobile payments market is getting crowded with options like Square, Google Wallet and upcoming services like Isis from the cellular carriers and digital wallets from credit card companies.
  • Scott Thompson, president of PayPal, said in a blog post the company is looking to be a one-stop shop for merchants to help them address every part of the shopping lifecycle. OK, that’s a bit of jargon, but it means PayPal is going to help push out targeted advertising, help with in-store discovery and improve transactions with a handful of options.
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  • In a video provided by PayPal, it shows how users will be able to walk into a store and check in to a location to unlock discounts and coupons. When a consumer goes to check out, he’ll be able to pay by entering his phone number. That leverages eBay’s purchase of Zong and its carrier billing capabilities, though it’s not clear how much easier or more convenient that is for consumers who pay with a credit card swipe. But it does open up the option to use carrier billing for physical goods in-store, which is good for people without a card, though the question of how large the transactions fees will be is important. Right now, carrier billing fees are still much higher than credit card fees, which might deter some merchants.
  • Users will also be able to scan items in-store and pay for them with PayPal without having to get in line. Customers can just flash their phone to an employee who will confirm the purchase. This is very much like AisleBuyer and it sounds like PayPal is looking to bring this to restaurant bills as well, something Thompson hinted at in his blog post. This is a cool step that makes sense for people who want to get in and out quickly.
  • PayPal’s payment initiative is part of eBay’s broader commerce platform called X.commerce, which it’s building off the acquisition of Magento.
  • The new mobile payment tools don’t appear to include NFC payments. PayPal recently introduced person-to-person payments using NFC on Android devices, but the company told me at the time it was just focusing NFC on P2P payments. It sounds like PayPal is trying to work around the hardware constraints of NFC payments at point of sale.
  • Other shopping features on display included the ability to get push notifications for discounts that can be shared, which appears to build off eBay’s acquisition of WHERE. Consumers will also be able to scan an item in store and find inventory at other locations, something eBay got from its RedLaser and Milo pick-ups.
  • It’s unclear how soon all of this will come together and how many merchants will sign on. But providing a complete service for retailers and businesses to not only push out offers and discounts but also complete the transactions makes sense. Merchants can close the loop on transactions and understand how their marketing is doing. This is essentially what Google is trying to do with Google Wallet and Offers though it’s focusing primarily on facilitating targeted marketing, rather than taking a cut of transactions.
  • Customers will be able to apparently pay ahead for coffee ahead of time and pick it up. Users will also be able to choose how they pay for something after the purchase with PayPal Credit, which seems to leverage eBay’s BillMeLater. All of this appears to work through PayPal’s mobile application and doesn’t seem to require any new investments by merchants. That’s a big concern for mobile payments built on near field communication, which requires many businesses to upgrade their point-of-sale terminals to handle contactless payments.
  • But there’s also a lot of questions to be answered. For instance, will consumers find this more convenient than a card swipe? Will PayPal make it any easier for people to set-up and manage accounts? Do all of these parts work well together in one solution? And how aggressive will PayPal be in selling this to merchants and consumers? I’ll be interested to hear more and I think PayPal can be a big contender if it gets its execution right. This is going to be a big market but it will require not only great tools but a lot of smart selling to consumers and merchants.
Marc-Alexandre Gagnon

PayPal launches new mobile payment system in Home Depot | Econsultancy - 0 views

  • PayPal’s mobile payment system has gone live at 51 Home Depot stores in the US.
  • The eBay-owned company has also reported that its mobile payment volume reached $4bn in 2011.
  • PayPal’s new mobile payment system, which was trialled by eBay CEO John Donahoe, allows users to pay at the till by entering their mobile phone number and PIN.
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  • No bank card is needed and the customer is emailed a receipt for the goods.
  • A blog post from eBay said the system also works using a plastic card issued by PayPal that works like a credit card.
  • PayPal’s mobile payment system is an interesting experiment, but one that is likely to be overshadowed by NFC technology.
  • Mobile phone companies and banks are pushing hard to make contactless payments the norm. Last week, Visa certified smartphones from LG, Samsung and RIM as safe to use its NFC payment system.
  • NFC is far simpler and quicker than PayPal’s system as you simply need to touch your card on the reader without entering any codes.
  • That said, NFC payments have a limit of £15 to £20 so there is potential for a mobile payment system for more expensive items.
  • Whether PayPal can take advantage of that market is unclear. Issuing customers who already own a Visa card with an NFC-enabled credit card is a relatively simple operation, but persuading people to fundamentally alter the way people they use PayPal by taking it offline is a much harder sell.
  • Also, PayPal has 106m active accounts, but there are more than 1bn Visa cardholders worldwide.
  • PayPal also announced that mobile payment volume reached $4bn in 2011, more than five times the volume in 2010.
  • Its revenue increase 28% year-on-year, and net total payment volume grew 24% to $33.4bn in Q4 compared to the same period the year before.
  • eBay achieved revenue of $3.4bn in Q4 2011, a 35% increase on the same period in 2010.
  • For the full year revenue increased 27% to $11.7bn.
Marc-Alexandre Gagnon

RIM and Telefonica team up on NFC mobile payments pilot - IT News from V3.co.uk [24Nov11] - 0 views

  • Research In Motion has staked its claim as a leader in the mobile payment and Near Field Communications space with the announcement of a new pilot project which will see Telefonica employees at the network operator's Madrid headquarters able to pay for goods in local retailers with their BlackBerrys.
  • The Telefonica Wallet for BlackBerry project will allow users of the NFC enabled BlackBerry Bold 9900, BlackBerry Curve 9360 and BlackBerry Curve 9380 handsets to pay by touching their device against a reader in participating stores.
  • The SIM-based NFC technology stores funds and transcation details electronically on the phone's chip while at the front end an application on the device allows user to choose which cards they want to use, as well as get account balances.
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  • The pilot is set to be rolled out to Telefonica employees worldwide and, if successful, could be a precursor to commercial services rolling out from next year, according to the network giant.
  • The news comes as Barclaycard and Visa Europe announced that the O2 arena in London will be rolling out more than 250 contactless card readers across the venue to allow users with contactless cards or NFC enabled phones to pay more quickly and easily.
  • Barclaycard and Orange in May announced their SIM-based Quick Tap payment service for NFC enabled mobile phones, starting with the Samsung Tocco Lite.
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