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Mobile Payments Update
Vol. 2, Week 36, 21 August - 04 September 2008
Feature articles……………………………..1 News in brief…………………………….…..4
regulation permits companies to process data only if one or more of the criteria below are met: • • explicit agreement involved from the party
Therefore, automated messages (via mail, SMS or other such channels) without a human interface are prohibited as this inhibits opting out.
Privacy in EU-based mobile payments services
Of the many mobile payment initiatives launched last year, many are aimed at payments at the point of sale (PoS) and these are primarily based on Near Field Communication. Many people hail NFC payments systems as an opportunity to connect loyalty programmes and other marketing options to the consumer’s wallet. However, questions are emerging about privacy in relation with NFC payments and marketing. For consumers, NFC mobile payment methods compete with other PoS methods like debit cards and cash. For this group to see the advantage of mobile PoS payments over traditional payment methods, mobile PoS-initiatives must offer more than payments alone. Especially since competition on price of the payments system is often not possible without subsidies because of the low transaction volume. In fact, some initiatives like the Dutch Payter initiative, base important parts of their business case on delivering services not related to payments. Examples of these services are downloading movie trailers and tickets via NFC equipped smart posters, loyalty programmes, ticketing and advertising via SMS. Especially loyalty programmes enable mobile payment initiatives to store large quantities of valuable consumer data. This data can be used to send people focused advertisements. For example: consumer A buys a ticket for a horror movie in a cinema using a mobile PoS payment method. When another horror movie plays in the same cinema and the cinema owner has tickets ‘left over’, he can send an advertisement with a last minute discount to this consumer and other consumers matching a specific profile. However, the question is whether this in line with EU privacy legislation. In 1995, the EU has issued a privacy directive (95/46/EG), which forced EU member countries to implement specific privacy regulation in September 2001 at the latest. This privacy
processing of the data is allowed when necessary for the execution of the agreement between company and customer (for example banks process and store information to be able to conduct business) only data that is necessary and justifiable to execute the agreement between the parties can be stored (for example telecommunications companies that need an address or e-mail address to send an invoice to).
In addition, there are conditions that govern the use of these details. An important difference is made between using data for sending opt-in messages and sending opt-out messages on the other hand. For sending opt-in messages, companies must always have explicit prior consent. The term ‘explicit’ means that the consumer himself has to give the consent, and that consent for opt-in messages cannot be given ‘by default’. For example, mobile payments services providers can state in their terms and conditions that they want to be able to approach customers with automated advertising, but according to EU legislation they will need explicit agreement from the party involved – and terms and conditions are not explicit enough. Should the customer consent to opt-in marketing, only the companies that were given this consent are allowed to approach the consumer with automated systems (without human interference), such as e-mail or SMS. For sending opt-out messages, companies have fewer restrictions. Consumers only need to give implicit consent for receiving messages. Companies could include a statement in their terms and conditions saying that they will use the data they gather about consumers and by purchasing goods or services, the consumer implicitly gives consent for the use of this data. However, companies do have to provide an option to cancel this consent with every message they receive. Also, there are restrictions to the channels companies can use for approaching their opt-out customers. Only human operated channels (such as contact via telephone) are allowed.
In conclusion we can say that EU privacy regulation is quite strict on the use of data gathered by companies, including mpayments services providers. This should satisfy people wondering if m-payments services will breach their privacy. A concern for operators though is that automated advertising to mobile payments customers is only legal when they have given their explicit consent, which could significantly slim down the target group. However, one early success story is UK MVNO Blyk which offers mobile services in return for targeted advertisements. In February this year the company claimed it has an average response rate of 29 percent across 498 campaigns. Blyk said most young people don't see the marketing messages as advertising but as information they would like to have. This seems to suggest that if the incentive to receive marketing messages is interesting enough to consumers, they will give that explicit permission.
ING unveils details about its NFC trial in Romania
The ING bank will this year launch a contactless payments trial in Romania, General Manager ING Payments Retail Europe, Mark Buitenhek, said at a mobile payments conference in the Netherlands. According to Buitenhek, consumers in Romania are eager for such services. Other factors that drove the choice for Romania are the fact that the bank has a retail banking presence there, the fact that there are only 2 major mobile operators, and that transaction costs are generally higher, thus there is a business case to make for mobile payments services.
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Norway in 2002 as a licensed e-money services provider In Germany. Although there are no performance details available. but does ask for a code when users top up their wallet.04 September 2008 Buitenhek believes that NFC will definitely become the standard and expects services to proliferate within three to five years. Luup has global ambitions Mobile payments systems and services provider Luup once began by offering mobile wallet services to mobile users in several European countries. the industry will need standards. Predictably. The company strongly believes such a network needs to be open and usable by customers of all banks and all operators. alignment of all parties is extremely difficult. so not only between registered users of the system. according to a survey by the Smart Card Alliance Contactless Payment Council. Luup began offering mobile payments services to consumers in Germany and the UK under the brand name Luupay and in Norway under the Luup brand. Jørgensen hinted at some interesting projects that are coming up soon for Luup as well as some new collaboration models. On its homepage. Users can then transfer money to The Nokia 6212 Classic the stored value wallet on the phone. Recently however. the company has now changed its focus from launching consumer services independently. among others. the company has changed its focus to creating a global mobile transaction network through partnerships. In a second phase. he did however. there is a likely to be a demand for mobile banking services as customers have fewer options to do their banking. Week 36. The trial will begin in November 2008 and will run for six months. merchants. The bank is trying to make its payment solution as simple to use as possible. the bank is working together with Maestro. emphasise that the company gained extensive experience through offering these services. Following this trial. It’s not a question if it’s hitting off. the rather optimistic Smart Card Alliance also sees inhibitors. The mobile payments service is based on Luup’s platform and allows payments via a connected bank account or stored value accounts on the handset. such as smart posters. In the UK and in Norway. Initially the focus is on India. In emerging markets. Pakistan and Bangladesh and the company is working on a remittance service between those countries and the UAE. for topups. Some 500 customers will participate in the pilot and the bank has already signed-up Burger King. Venyon. it’s a matter of when. mobile operators. Notably. but would not disclose more. Luup is still heavily investing in new technology and expansion to new markets. As there are many stakeholders in the mobile payments arena. The application does not require a PIN for payments (tap and go) up to EUR 25. In Germany. The service further enables bill payments within the United Arab Emirates as well as donations to charities. However. The service enables person-to-person payments to anybody with a mobile phone. In the west. Under the new plans. Luup is no longer actively marketing the mobile payments services. However. country. mobile payments are definitely going to happen. Jørgensen said the company is running according to plan and meeting internal targets. to reach maturity. ATMs will provide cash-out services. however. To run the trial. the company would also add Sri Lanka and the Philippines. however.Mobile Payments Update Vol. The stored value accounts will allow unbanked consumers to use the service as well. The company launched in Oslo. Buitenhek was more sceptical. mobile banking is ‘just’ an additional channel with mobile financial information services being the key ingredient. Buitenhek revealed. CEO Thomas Bostrøm Jørgensen told Telecompaper in an interview. He does not believe that banking consumers in the west want to do a lot of banking ‘on the go’. no initiative is rolling out mass deployment. ING is planning another trial with a contactless card and also a pilot in a different. The handset that will be used is the Nokia 6212. An example is the partnership with the National Bank of Abu Dhabi. Luup will act as a payments processor no longer as a provider of services to consumers. However. But. E-Plus and Freenet. Luup proudly proclaims it is building an international mobile transaction network (by partnering with leading banks and financial institutions around the world). Customers can apply for the service online after which the wallet application will be send over the air (OTA) to the user. Jørgensen did not say how many customers the company has in these markets. Jørgensen is very excited about a new mpayments service that will go live in September for the National Bank of Abu Dhabi. Last year. Norway and the UK Luup provides mobile wallet services to consumers. about mobile banking. as yet undisclosed. rather than offering the services directly to consumers the company is seeking partners to launch services. and cooperation between the various stakeholders is a necessity. the company began to refocus its efforts from the European markets to the Middle East and South East Asia. Luupay is currently the dominant mobile payment services provider. Should the pilots 86 % of stakeholders believe in collaboration model for mpayments 86 percent of industry stakeholders are confident that NFC-based proximity payments will be adopted through a “collaboration model. be successful. there are four scenarios for business models that are considered viable: 2 of 10 . which is a deliberate choice by ING. Generally. Luup considers the Middle East and South East Asia as key markets for mobile remittance services. the bank will also look at value added services in addition to payments. like other organisations. However. Hollywood (cinema) and Remedio (drug store) to accept contactless payments. Especially areas with low internet penetration will see successful mobile banking services. Later ING using Maestro’s PayPass system for the trial in Romania. to establishing partnerships with banks and financial institutions around the world in its aim to create a global mobile transaction network.” bringing together banks. handset manufacturers and other service providers. On of them is the great number and variety of stakeholders in the sector. The company has a few major partnerships there with debitel. the bank will roll out the services commercially. Collis and Toro. 2. The survey found that because of the large number of players involved in the ecosystem for proximity mobile payments. According to the Alliance. 21 August . ING is still seeking further partners. The company hopes to enter these markets through partnerships with financial institutions. The service will be pretty ‘bare bones’ and simple.
Banks have the ability to make a step Merchants Supermarket C1000 On top of that. Operator-Centric Model: The mobile (virtual) network operator acts to deploy mobile payment applications to NFCenabled mobile devices. Because the incumbent Dutch payment method (PIN based-debit card payments) is very cheap and widely adopted. Rabobank is involved in several mobile payment trials. Representatives of the three most important stakeholders were present: the initiatives. Source: Smart Card Alliance 3 of 10 Source: Smart Card Alliance . But they have adopted a “wait and see” attitude. Payter has the ambition to roll out their pilot – which is up till now limited to Rotterdam – to Amsterdam. the Hague. an SMS based person to person payment service. before investing in new payment acceptance infrastructure. Rabobank decided to establish its own MVNO on the KPN network. 21 August . but by investors. Merchants are an important factor in the evolution of the NFC mobile payments ecosystem. merchant enablement. Peer-to-Peer Model: An independent peer-to-peer service provider provides secure mobile payments between customers or between customers and merchants. Utrecht. forwards in mobile payments by introducing contactless credit and debit cards. including the final selection of handsets and chip standards. but they want to wait for a ‘winner’ service to emerge. Merchants like European parking lot exploiter Q-Park are yearning for a payment method that promises high throughput. So although some merchants are literally waiting now for a mobile payment method that receives mass deployment. This can be in the form of a mobile wallet or charging to the customer’s mobile telephone bill. dubbed RaboMobiel Those surveyed think that a third party in the role of trusted service manager needs to step in and coordinate the activities of the key players. 3. The conference managed to get the most important initiatives and stakeholders in the Dutch mobile and contactless payment industry as speakers to the conference. advertisement and broadcasting services. the sheer number of stakeholders and the disagreement on the business model.04 September 2008 1. an NFC trial with a snack bar chain. Payter does not primarily aim at gaining money from payments itself. 2. the merchants and the consumers – giving the visitor a comprehensive overview of what’s going on on the Dutch mobile payment market. convenience stores and movie theatres. The NFC phone replaced the debit card in this pilot. Operators now support the Collaboration Model. including a potential trusted third party that manages the deployment of mobile applications. ticketing for a zoo and. 4. Rabobank was involved in an NFC trial with super market C1000. Payter bases its business case on delivering peripheral services like loyalty and retail services. Overview of the Dutch mobile payments market in two days The 25th and 26th of August. since June 2008. mobile operators and other stakeholders in the mobile payments value chain. 2.Mobile Payments Update Vol. could leave them without any mobile payment options in the short term. Turning to contactless payments drives merchant acceptance in important retail segments including quick service food outlets. A selected group of regular consumers was given an NFC enabled phone for debit card (PIN) payments. Bank-Centric Model: A bank manages the mobile payment tools and acceptance with merchants. the IIR Mobile and Contactless payment conference took place in Amsterdam. Week 36. Payments are processed according to their own existing processing infrastructure. Rabobank initiatives Rabobank is one of the Netherlands’ largest retail banks. standards for certifying and deploying secure payment applications and development of a model for revenue-sharing. or wait for interoperability of different mobile payment systems. recognising the inadequacies of the Operator-Centric Model. Also it’s hard to earn money on payments without a banking license. Collaboration Model: This model involves collaboration among banks. Initiatives The mobile payment initiatives that are currently in beta in the Netherlands are: Payter Payter is a mobile NFC-based initiative that is not initiated by a bank nor by a mobile network operator. Coca Cola vending machines. Merchants would be required to upgrade their systems to be able to accept a new payment method and wait for a mobile payment method to take off. Eindhoven and Arnhem.
04 September 2008 Supermarket Albert Heijn Albert Heijn is another super market chain (market leader in the Netherlands) that is involved in mobile payments. festival survival packs and other Jerseylive goodies. in a single step with the background design directly from the computer output. has partnered with Sociedad Anonima Espanola de Tarjetas de Identificacion y Credito (SAETIC). transit and access control markets. Also. a Spanish manufacturer of plastic payment cards for the banking and public transportation industries. The MicroPass platform is designed to power open standard contactless and dual-interface bank card payments along with other valueadded applications in all global regions. One supermarket acts as accepting merchant in the Payter trial and another Albert Heijn shop experiments with ABN Amro bank with contactless payments. enabling cards to be printed with variable data such as photos. SAETIC uses a variable colour digital laser printing system. hence merchants are willing to offer this payment option at no charge for the consumer.The Phone House Germany's prepaid brand Mobile World has started offering online top-ups using the technology from mobile payments provider Luupay. Paybox Austria will then grow to more than 4 million possible users of its mobile payment service. users must register with one of three parking providers: Park-line.The O2 Wallet trial in the UK has shown that 78 percent of trialists 4 of 10 . Week 36. Some 12 percent said they would like the idea of mobile payment. this is the main reason for participating in the Payter NFC trial. Jersey Telecom offers ticketing for Jerseylive mobile News In Brief Europe T-Mobile Austria signs up for mobile payments by paybox Austria . festival-goers will have to text SYLIVE to 88600 each day of the event. according to German financial magazine Wirtschaftswoche citing unnamed sources. The new service will be added to existing options such as payment in cash or by the Chipknip chip card. In order to pay by SMS or phone call. Through mobile ticketing technology. Consumers The end-consumers. the companies will collaborate to incorporate Inside’s nextgeneration MicroPass contactless technology into an upcoming family of contactless EMV products from SAETIC that will be available in both plastic card and contactless sticker form factors. Net Mobile plans to acquire bank for mobile banking . a mobile phone user receives a bar or pin code which is sent by its operator to its mobile handset via text message. This code can then be quickly scanned and validated directly from the mobile's display screen.000 registered users. Payment is made by reporting the parking ticket machine number upon arrival and departure. etc. barcodes. Quick transactions are essential for high throughput in parking lots. thus making it easier to launch mobile banking services.Jersey Telecom will offer a mobile ticketing service for the first time at this year's Jerseylive music festival. One out of four also said they would not object to giving his phone number away for advertising purposes. Inside Contactless teams up with SAETIC to bring contactless EMV cards to Spain Spain . Mobile World offers online topups via Luupay Germany . Under the agreement. a provider of contactless microprocessor platforms. Users who text in will only be charged the standard network rates and O2 Wallet trial shows consumer demand for NFC clear United Kingdom .Mobile Payments Update Vol. Therefore. a new payment method should not charge the end consumer anything. such as food and drink vouchers.ring have decided to join the Austrian mobile payments provider Paybox Austria. just want to make sure that the costs of mobile payments will not be charged to them.ring customers will be able to pay with Jersey . text. The company also offers dual-interface production capacity based on the ‘flexible bump’ technique. 35. to bring contactless EMV cards to Spain. Net Mobile expects that mobile banking will be responsible for half of Bank Werther's revenues in the future. will also receive prizes. Mobile World customers can now top-up their call credit via the mobileworld.de portal. 21 August . 2. Festival-goers can validate their bar code at the Jersey Telecom stand in order to redeem gifts. and they all seem to agree on the main advantages of mobile payments: shorter transaction time higher throughput less cash payments (cash payments have high handling costs) 12% of Belgians interested in mpaymets . In order to receive a mobile ticket which consists of a bar code. Especially shops that have high throughput and hence value small transaction times are suited for mobile contactless payments. on 30-31 August.T-Mobile Austria and its subsidiary Tele.5 percent. The Dutch debit card scheme is very efficient and costs the merchant less than handling cash.survey Belgium Communications agency MediaEdge has questioned 1. In the age group 15-24 years.report Germany . Parkmobile or Yellowbrick. so it can launch Germany's first mobile bank. online shops and more where its user can pay with their mobile phone. consumers indicate they only appreciate peripheral services like advertisement or broadcasting services on NFC phones in case they themselves can determine which messages they want to receive and which messages not.Inside Contactless. the figure is higher. Netherlands . their mobile phones joining the customers of Mobilkom Austria and ONE. From the autumn of this year.The Dutch town of Valkenswaard will introduce the option to pay for parking by sending a SMS or calling a provider. With the acquisition of Werther. the Austrian railways. T-Mobile and Tele. Net Mobile will not have to apply for its own banking licence. who paid for more than 20 million parking tickets since the launch. Paybox Austria has deals with parking lot operators.000 mobile phone users. Several merchants gave their view on mobile payments on the conference.German mobile applications developer Net Mobile plans to acquire German bank Werther. Each of the MicroPass family of products is designed to meet the demands of issuer organisations in the bank card payments. Valkenswaard enables payments through SMS parking For European parking garage exploiter Qpark. The mobile parking service was launched in autumn 2003 and currently has more than 250. who had an opportunity to have their say in a panel.
customers who pay through the Octopus self-service payment machine can participate into a draw to win weekly prizes. which operates the Peoples brand. enable the calculation of payments against specific products or services. as well as access up-to-the minute balances and mini statements on the go. A total of 87 percent of mobile Oyster trialists said availability of the service would be likely to influence their purchase of a new mobile phone. Warid Telecom. which use the GCASH payment platform developed under RBAP's Micro-enterprise Access to Banking Services (MABS) programme.China Mobile Peoples Telephone. with oversight from the Office of the President through the Mindanao Economic Development Council. ease of use and the status of having such an innovative device. the MABS programme has been working with rural banks to help them develop the capability to provide financial services to the micro-enterprise sector. Hong Kong and Macau.Alliance&Leicester has added text alerts to its mobile banking service. boost China's technology industry. Octopus team on selfservice mobile bill payments Hong Kong . smartcard projects China . and establish a smartcard payment system. writes the Chosun Ilbo. and the amount of their mobile phone account will be displayed on the screen. Tracktech unveils credit card transaction app for BlackBerry United Kingdom . eMerit is designed to process payment by any credit card. SK will help develop technologies for radio-frequency identification and advanced telecommunication. a receipt listing the payment record and the remaining value on the Octopus will be printed out. Peoples customers should enter their mobile phone number and password at the Octopus payment machine. GXI and RBAP have been working together since early 2005 to develop and launch MPBS that offer clients of rural banks access to complete banking transactions which include making micro-loan payments (Text-A-Payment or TAP). without any human intervention. or visiting the Monilink website or by texting A-L to 82428 to register via their mobile phone. Banglalink. Overall. Philippines operator Globe Telecom's mobile commerce subsidiary.Bangladesh mobile services provider SSL Wireless and Islami Bank Bangladesh have signed an agreement to provide mobile banking services in Bangladesh for all the major network operators. has teamed up with smartcard payment system Octopus Cards to launch self-service payments in Hong-Kong.000 monthly fee rebate. GCASH is Globe's mobile commerce service which allows Globe and Telekom Malaysia subscribers to transfer money using a text message.UK mobile technology firm Tracktech has launched eMerit. The main benefits cited by trial participants were convenience. and the Rural Bankers Association of the Philippines (RBAP) have signed a memorandum of understanding formally renewing their partnership and agreeing to further expand the mobile phone banking services (MPBS) of rural banks. will be made available to more than 500 rural bank branches and their clients. Through the MABS Program. SSL Wireless will provide both Push and Pull Banking services to Islami Bank Bangladesh using SMS. The main focus will be on developing and utilising new technologies in IT. Having Oyster on their mobile phone actually increased trialists' use of public transport. paying bills (Text-A-BillPayment or TAB). There was particularly strong interest in having Oyster on mobile phones. The mobile banking services. To use the mobile banking service. new and renewable energy and bio sectors. RBAP renew mobile banking partnership Philippines .Filipino G-Xchange (GXI). Islami Bank Bangladesh team up for mbanking Bangladesh . Additionally. and a bespoke transactionprocessing module can also be deployed to 5 of 10 . Over two thirds said they would be interested in having the Barclaycard Visa payWave feature on their mobile in the future. or when their balance reaches a lower level. The results of the NFC technology trial reveal clear consumer demand for such services. a query will then be dispatched from the encrypted server that is installed on Islami Bank Bangladesh's end to the customer letting them know the details of their request. Customers of Islami Bank Bangladesh that want to check details of their account balances and their mini account statements have to send a standard SMS from their handset to a designated short code that SSL Wireless provides to Islami Bank. Since 1997. The O2 Wallet trial took place between November 2007 and May 2008 and involved 500 trialists equipped with Nokia 6131 NFC handsets. Week 36. The application is available to residential or corporate customers who are connected through the BlackBerry Internet Service or BlackBerry Enterprise Server. CityCell and TeleTalk. Under the agreement. with 89 percent of trialists interested in taking this up. Globe Telecom.000 tube journeys took place using O2 Wallet over the six months trial. Octopus self-service payment machines are available at 46 Peoples outlets. Aktel. customers should register by logging into Alliance & Leicester internet banking. 2. making deposits (Text-A-Deposit or TAD) and Alliance&Leicester adds alerts to m-banking service text United Kingdom . so they can tell when their wages reach their account. SK signs agreement for Shenzhen telecom. Under the deal. and 9 out of 10 were happy using NFC technology on a mobile phone. The registration process as well as the account management can be completed online by eMerit customers. to enable its customers to keep track of their cash.South Korean operator SK Group has signed a memorandum of understanding with China's National Development and Reform Commission and Shenzhen city in Guangdong to cooperate on telecommunication projects. Additionally. Peoples. an application that enables UK-based users to process credit card transactions using their BlackBerry smartphones. including a Nokia 5310s and HKD 1. 21 August . corporate branding can be applied. with no pre-arranged Merchant Banking Services set-up required. enabling Peoples customers to pay their mobile phone bills. SSL Wireless has introduced the remote account transactions for everyone in Bangladesh with a mobile phone and also plans to enable the bank's customers to receive money transfers. After they make the payment. until 25 September. with 22 percent of trialists using Pay as You Go Oyster reporting an increased number of journeys. The MABS programme receives support from the United States Agency for International Development and is jointly implemented with RBAP. including Grameenphone. After receiving the SMS from the customer. Alliance&Leicester m-banking users can opt in to receive SMS text alerts when their current account balance reaches certain levels set by them. SK will participate in China's high-tech project to create a new city incorporating Shenzhen. Asia SSL Wireless. almost 50.Mobile Payments Update Vol.04 September 2008 would be interested in using contactless services if available.
sending or receiving domestic or international remittances (Text-A-Remittance or TAR). The trials are being carried out by Safaricom's partner Vodafone UK after testing proved successful in Kenya. Gemalto completes acquisition of Multos for AUD 25. using only their mobile phones through GCASH. 2. services and of Multos. National Australian Bank and Visa have launched a contactless mobile phone payments trial with a group of consumers and participating merchants at Melbourne's Docklands. allows people in those countries to send money using mobile phones.99 set-up charge. North America MPoria launches entry-level mcommerce service for retailers United States . Safaricom. The technology is provided by Telstra and it allows consumers participating in the trial to remotely download their NAB Visa credit card software application onto their Telstra mobile phone SIM card. Melbourne Docklands is a waterfront development in the heart of Melbourne comprising 200 hectares of land and water and 7 km of waterfront.7 mln Australia . to promote FoxStore Mobile. First Data showcases contactless payment tech at DNC United States . with over half of the revenues coming from Asia. Telstra may be able to provide customers with the ability to selectively add cards or accounts to their mobile phone when they choose.04 September 2008 withdrawals (Text-A -Withdrawal or TAW). Visa start contactless m-payments trial Australia . 21 August . GMLite is available for USD 9. users can purchase refreshments up to USD 10 in value at participating Pepsi Center concession stands. will run over the coming months. added marketing vehicle and customer touch point. 365 days per year. Approximately 40 Multos experts will join Gemalto. IP portfolio. First Data will offer attendees limited edition payment devices built with the First Data GOTag contactless payment technology. wristbands and novelty key chains. mostly based in Australia and UK. Vodafone test money transfer service to UK Kenya . find and buy their favourite Fox filmed entertainment available on DVD and Blu-ray Disc from a mobile device. The benefits of GMLite for consumers include access to their favourite products and brands via any mobile device. being hosted on the company's mobile platform Cardinal Max. The service will be available to M-Pesa registered customers at PesaPoint ATMs 24 hours a day. David Thodey said that in the future.99 per month with a one-time USD 19. The assets acquired include Keycorp's implementation of the highly secure Multos smart card operating system. FoxStore Mobile is an extension of Foxstore. and then directly inside their mobile phones. NAB.Electronic and mobile payments services provider First Data will introduce a new payment technology to thousands of media and delegates attending the Democratic National Convention (DNC). The trial. trademarks and Multos.Australian telecommunications company Telstra.' Joseph said. seven days a week. featuring performances by Keanu Reeves and Forest Whitaker.Kenyan mobile operator Safaricom has signed an agreement with ATM service provider PesaPoint to allow the mobile firm's customers to withdraw money using their mobile number without the use of an ATM card. enabling them to purchase goods and services by waving their mobile phone over a participating NAB merchant's reader. Site visitors can search. First Data says consumers will experience the technology first as a contactless sticker.Mobile Payments Update Vol.000 from a PesaPoint ATM. The benefits of GMLite for small retailers include low-cost entry into mobile commerce market.Twentieth Century Fox Home Entertainment (TCFHE) has launched the FoxStore Mobile. The GoMobile! Lite enables small retailers to launch their own m-commerce shopping site and enter the USD 500 million US mcommerce market. brand awareness and increased customer loyalty and automated and non-technical set-up process. which will take place in Denver's Pepsi Center between 25 August and 28 August. Additionally. a new mobile commerce site. the company that operates the remote activation service and high-security facility that is at the center of the Multos security architecture. the Multos brand. convenient browsing and product search. Safaricom signs M-Pesa deal with Pesa Point Kenya . CardinalCommerce powers Fox m-commerce site United States .' Safaricom CEO Michael Joseph told a media briefing. The GMLite features the core services of mPoria's GoMobile! service including online wizard-guided site set-up process.7 million for Keycorp's smartcard business assets. The pins can be attached to personal items like mobile phones or employee badges.Kenyan mobile service provider Safaricom is testing electronic money-transfer services to the UK and is expected to commercially launch the services soon. Fox has rolled out a text-to-buy DVD and Blu-ray Disc with the release of urban crime thriller Street Kings. Telstra Group Managing Director Enterprise and Government. The acquisition will contribute over EUR 15 million of annual revenues to the Secure Transactions and Government Programs segments of Gemalto on an annual basis. Week 36. the fabless provider of Multos roducts and Kenya's power firm plans mobile bill payments Kenya . site launch and click-to-call purchasing capabilities.The Kenya Power and Lighting Company said it is in consultation with mobile 6 of 10 . Consumers will be able to make low value transactions under AUD 35.com. additional revenue stream.M-commerce services provider mPoria has launched GoMobile! Lite (GMLite). 'We would like to launch an international money transfer particularly for Kenyans living abroad in the US and UK. The site's mobile commerce functionality is powered by CardinalCommerce. TCFHE's official online retail store. where the service is in use by more than 3 million customers. M-Pesa registered customers will use their Safaricom phone to withdraw between KES 200 and KES 20. The firm's Michael Joseph told a media briefing that the M-Pesa trial service. With these pins. Gemalto is paying AUD 25. involving 200 participants and 12 merchants in the Docklands area of Melbourne. a new version of its Go Mobile! mcommerce service designed for the large and underserved segment of small retailers. World Telstra. secure product purchase via any mobile device and immediate updates on sales and promotions. 'M-Pesa customers can now enjoy faster processing of withdrawals at more than 110 PesaPoint ATMs in 46 towns around the country. the associated patents and the Key Management Authority (KMA) that manages Multos card activations worldwide. like the GO-Tag Solution.Global digital security services provider Gemalto has completed the acquisition of Keycorp's smart card business. and disbursing and receiving salaries (Text-ASweldo or TAS).
Mexican mobile operators Movistar and Iusacell are teaming up with banks such as Citigroup and BBVA to launch a mobile payments service. has yet to sign up for the service.Digital and physical goods purchases made via mobile devices. New registrations continue to exceed an average of 10. In another programme launched in South Korea. Mobile phone users will be able to make payments to participating stores. home of the Arizona Diamondbacks. The initiative aims to enable end customers of FNB customers to pay traffic fines via mobile phones South Africa . TD Bank Financial Group.Mobile Payments Update Vol. 21 August . remittance service World . along with two mobile offers and transaction notification pilots in the US. In the US. The pilot will also cover special game day offers for baseball fans attending games at Chase Field. The service is marketed first toward technology-savvy teenagers. travellers and expatriates. Paybox's Mobiliser portfolio targets mcommerce. the top 3 regions for mobile payments.com launches mobile biometric authentication app World . which accounts for more than two-thirds of Mexico's mobile telephones. save money into their accounts. mobile operators.Swiss biometric authentication developer Biometry.3 mln M-Pesa users Kenya . Total personto-person transfers reached KES 6. The minimum international credit transfer amount is USD 1. Iusacell team banks for m-payments with Mexico . it has partnered with Chase Bank for a pilot programme to deliver personalised mobile offers to selected consumers in Phoenix. Week 36.000 participants. get access to credit and make investments. games and infotainment.000 per day and by the end of July the total registered user base exceeded 3.Kenya's mobile phone operator Safaricom added 870. and the average transaction per user has continued to increase over the last 6 months. Arizona. 2.Visa is launching four new mobile payments initiatives through its Visa mobile platform in Brazil. and other service businesses to send money to people living abroad and recharge their mobile prepaid accounts via SMS. Visa teamed with Banco do Brasil's Visa cardholders to pay with their mobile device and confirm the transaction via text message. More than 50 merchants are participating in the programme which has the capacity to provide offers such as discounts or special deals via SMS to 5. buy top-up cards.04 September 2008 service providers Safaricom and Zain Kenya to introduce a short message service to inform customers of impending electricity supply interruptions.Mobile payment services provider Paybox and global airtime transfer service Transfer To have teamed up to integrate their portfolio of top-up and remittance services via mobile. The increased growth rate of the global mobile subscriber base is expected to bring in excess of 1 billion new users by 2013. Visa has partnered with T-Money provider KSCC (Korea Smart Card Company)." said FNB. U. Payments of traffic fines on Cellphone Banking are currently free of bank fees. representing a growth rate of 220 percent over the March figure. withdraw cash at agents' locations or ATMs. Movistar. which is a software application 7 of 10 . World . MobiComBiom is an amplification of the company's ComBiom product.000 new mobile subscribers in the first quarter of the fiscal year to reach 11.com has unveiled its new mobile biometry process called MobiComBiom (Mobile Communication Biometrics). mobile money transfer and physical goods purchases via mobile devices are the three market segments expected to come with major growth opportunities for the future.S. and Wells Fargo in the US. card issuer Shinhan Bank and Korea Telecom Freetel (KTF) to allow commuters to top up their T-Money balances automatically on the phone's SIM card when it falls below a certain level. Service users can open their accounts remotely. Visa launches new payments initiatives mobile Safaricom ends July with 3. Latin American mobile giant America Movil's Telcel. Western Europe and North America will account for over 70 percent of the global mobile money transfer gross transaction value by 2013. The service is designed to provide cardholders with an effective way to monitor and manage their accounts. pay utility bills. Users will be able to redeem these offers at the merchant's location or online.3 million. The total value of all transactions during July exceeded KES 21 billion. The money transfer service M-Pesa has also continued growing. Wachovia. restaurants and taxis by sending a text message. and the registered user base increased 50 percent over the quarter from 2 million at 31 March. The traffic fines payment system on FNB ATMs was launched in 2005 and since then has seen a significant Biometry. banks. send money to friends and relatives. increase in customers taking up this option.South Africa's First National Bank's (FNB) customers who are registered for mobile phone banking can now pay their traffic fines using the service. The firm's MD Joseph Njoroge also said electricity users in future will be able to pay their bills through various systems developed by mobile phone operators such as the M-Pesa and Sokotele platforms of Safaricom and Zain respectively. online and POS channels.88 billion in July. Paybox. The report also forecasts that the global annual gross transaction value will rise over 10 times between 2008 and 2013. contactless NFC transactions and money transfers will together generate transactions worth over USD 600 billion globally by 2013. contactless NFC. Far East & China. and Vancity in Canada. "We believe that the Cellphone Banking channel is a natural extension that will enable customers to pay their traffic fines effortlessly. Additionally. Transfer To unveil mobile top-up. The service is designed to enable prepaid customers to send back home small amounts of values or to reload their own account while roaming. Reuters reported from a press conference on the launch. according to a report by Juniper Research. The report shows that the mobile market today is dominated by digital goods purchases such as ringtones. mobile top-up and mobile money related opportunities for mobile operators and financial service providers in developed as well as emerging markets. Bank. However. and all transfers are done instantly via SMS. The partnership blends Paybox's mobile top-up and mobile money transfer services with Transfer To's worldwide access to mobile operators' prepaid top-up systems. SunTrust Bank. Mobile payments transaction value to jump ten-fold by 2013 World . The service is accessible through any Brazilian mobile carrier. Transfer To currently provides global airtime transfer services targeting migrant subscribers. the internet or point of sales. music. Visa is also working with PNC Bank.1 million by the end of June. South Korea. to trial an e-mail and SMS alerts service which notifies participating cardholders every time a transaction related to their bank account occurs. and RBC. including foreign workers. and it is expected to debut over the next few months.
Global Platform and JavaCard. During this process. Week 36. reveal that the interoperability tests between the companies' two components have been successful. number of high-profile clients. biometric face recognition. 2. including Virgin Mobile. Sky. Four randomly generated numbers then appear on the display and. Trusted Service Manager (TSM) provided by Venyon enables mobile operators and service providers to issue their applications and services on NFC-enabled mobile phones via the mobile network. The process of MobiComBiom starts when a specific "soft button" on the mobile phone is pushed (e. BT and MasterCard.Mobile Payments Update Vol. voice recognition. Subsequently. lip movement recognition and word recognition are carried out simultaneously. for example. NFC.04 September 2008 providing a multimodal simultaneous biometric authentication process. similar to video phoning. G&D and Venyon are currently taking part in several NFC pilot projects. Glue4 Technologies rebrands as Proxama World .com believes its authentication process is especially useful for mobile services such as mobile banking or mobile payments. mobile phones. Glue4 chose Proxama as it has resonance in the market. 21 August . particularly in relation to services the company creates in contactless payments and ticketing. Tests between G&D's NFC-enabled ProxSIM cards and Venyon's TSM services confirmed that both components comply with the necessary industry standards. number 1 and 3 simultaneously). The company also has a large number of proven business partnerships. the user will receive a 2D barcode which can be used at a point of sales.g. loyalty and service discovery. Biometry.Technology innovations company Glue4 Technologies has rebranded as Proxama. the user speaks the numbers.Provider of smart cards and system applications Giesecke & Devrient (G&D) and over the air provider Venyon. the web and interactive TV. such as those of the European Telecommunications Standards Institute. Once verified. Founder and CEO of Glue4 Technologies Neil Garner explained that the company wanted a brand that would better express the firm's expertise and the work it does. The rebrand marks the company's success in helping consumer-facing organisations get more from smart cards. G&D's NFC SIMs interoperable with Venyon's TSM services World . a joint venture of G&D and Nokia. Proxama makes its formal entry into the consumer technologies market with a growing 8 of 10 . including ones in Turkey and the UK. the video and audio data are saved and transferred to the provider to be compared with reference data.
...........................6... Terrapinn IT & Banking November 18...........................................................4 Tracktech ................... 2008 .................................Brussels .... 6 China Mobile...................6 The Phone House Germany .................6 Vodafone UK......................... Fraud and Internal Audit in Telecoms September 24... 4 Jersey Telecom................................................................. 2008 . 4 Parkmobile.................... 2009 . Terrapinn Next generation payments 2008 Mobile Payments World Asia 2008 September 10................... 2008 ........United Kingdom............................................ 5 China Mobile Peoples Telephone............................................... Near Field Communications World Europe 2009 April 14.................................... 7 mPoria........................4 T-Mobile Austria .............. 2008 ..................London .....................................................................Amsterdam Netherlands.................... Week 36.............Stockholm ......................... 5 First Data ......... 4 Telcel....... 8 Go............................ Terrapinn European Network Forensic And Security Conference October 15.......................................5 Transfer To.....Dubai ................... 8 CardinalCommerce ..................5.Singapore Singapore...... 5 Glue4 Technologies ......... 4 ONE ...................... 6 Nokia .........Amsterdam Netherlands........ 5 Biometry........................................8 Vodafone..............................7 Venyon..4 Zain ...................................8 Virgin Mobile ............ 6 FNB ............ 2............................................. 4 Korea Telecom Freetel ................................................................. 7 Banglalink ...............Singapore Singapore................................................. 4 Movistar................................. 4 Mobile World............................................................................... 2008 ...... 8 Safaricom .........................Sao Paulo .................... 7 Luupay.................................Brazil.... 7 Gemalto ........ Provisuale December 16..... 4 Proxama ..... 2008 ...........................................United Arab Emirates..................................... IIR Risk Management................................. 8 O2 ...........................................Heerlen ..Belgium.....Mobile Payments Update Vol.................. ViB Events Mobile Money Transfer 2008 November 10......................... Clarion Events Ltd..................................................7 Zain Kenya .............................................Netherlands.. 7 KTF ............................................ 21 August .....com ... 8 Globe Telecom................................................... 7 Telekom Malaysia ......... 5 Inside Contactless............................... 6 G-Xchange............................................................................ 2008 ..... 7 SK Group..5 Telstra ..........Sweden........... 2008 ............ 5................... 6 Giesecke & Devrient ............................ 5 Sociedad Anonima Espanola de Tarjetas de Identificacion y Credito .............. 2008 .................................................................. Euroforum 9 of 10 .........4 T-Mobile ............................................... 7 BT...04 September 2008 Company Index America Movil .......................... 4 MediaEdge .....7 Events Near Field Communication World Asia 2008 September 10............................... Terrapinn Futurecom 2008 October 27............................................. Conference Agency Maastricht Prepaid Commerce Europe December 1...................6 Yellowbrick ....................
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