buy metformin online

China Mobile and UnionPay Announce NFC Payments Launch

Jul 25 2013 (All day)

China Mobile and its mobile-payments partner China UnionPay today announced the launch of the telco’s much-anticipated NFC service and mobile wallet, in at least 14 major cities with applications available from nine banks.

NFC SIM cards are available in China Mobile shops in such cities as Shanghai, Beijing, Guangzhou, Shenzhen, Chengdu and Ningbo, which consumers would need to download the payment applications over the air to start service.

Consumers could use the service on an initial five NFC-enabled Android phone models that support the single-wire protocol SIM standard–the Chinese versions of the Samsung Galaxy S4 and Galaxy S III, the HTC One, Huawei T8950N and ZTE U807N, according to reports. China Mobile’s NFC-enabled wallet is available for download from the Google Play store.

Both China Mobile and China UnionPay emphasized in their announcements Sunday that they were cooperating on a joint mobile-payments platform, as part of a partnership they announced a year ago, and this would feature interconnected trusted service management systems or, as UnionPay put it, a hub. The platform could make applications available from a number of banks.

UnionPay announced that eight banks were already hooked up to the platform, including some of China’s largest: Bank of China, Shanghai Pudong Development Bank, China CITIC Bank and China Minsheng Banking Corp. A ninth bank, China Merchants, was also reportedly connected.

The banks would support UnionPay’s Quick Pass contactless application, which the payment scheme has said is supported on 1.2 million point-of-sale terminals in China, though it’s not clear whether all are activated.

China Mobile said it also plans to support transit cards, campus and corporate ID cards, city cards, coupons and membership and other loyalty cards in its mobile wallet. The operator has said that, in all, there is about 500 kilobytes of space available in its NFC SIMs for applications. And there are expected to be non-NFC applications in the wallet, as well.

The big telco said last October that it planned to distribute more than 10 million 3G NFC phones and sign up 3 million users by the end of 2013. It reaffirmed both goals recently, including repeating the intention today to roll out more than 10 million NFC phones this year.

The telco is expected to introduce more models, and has said in the past it would offer NFC smartphones supporting the domestic TD standard from at least six device brands, Samsung, HTC, Huawei, Lenovo, ZTE and Coolpad, the latter from Yulong Telecommunication.

China Mobile had earlier said it planned to launch a large pubic pilot, as early as February, but that high-profile trial didn’t happen, and by all accounts Sunday’s launch was the unveiling of commercial service.

Although China Mobile and China UnionPay have agreements to work together on the payments platform, SWP-SIM technical specifications and at least parts of the mobile wallet, it remains to be seen how closely the two giants mesh once service rolls out.

China Mobile hasn't fully given up its designs on a piece of the payments business, which it was after when it proposed its own payments brand using its own RF-SIM technology–a plan that angered UnionPay.

The telco dropped the idea a few years ago, but owns a significant stake in Shanghai Pudong Development Bank and is already promoting use of this bank’s mobile-payments service on in its wallet and has an e-cash application with the bank. The appliciations with the bank still support Quick Pass, but the telco is probably collecting transaction fees.

Meanwhile, UnionPay launched its own mobile wallet in July for Android phones and the iPhone–not yet supporting NFC–enabling users to add their payment cards and loyalty cards, coupons and eventually e-tickets.

China Mobile has said it also could earn revenue from NFC by renting space on its SIM cards and offering a platform for merchants to deliver coupons.

The operator might also charge fees from users, though perhaps not at first. And the telco might also take a cut of the fee when consumers pay for content, such as music or e-books as well as apps. The payment could come out of the same account as is used for physical world NFC payments, China Mobile has indicated.

UnionPay itself has tried promoting NFC payments using secure elements other than SIM cards–an embedded secure element and microSD, and it’s not clear the payment scheme has fully given up on either idea, especially embedded chips.

But at least for now, both China Mobile and China UnionPay are talking up cooperation and SIM-based NFC, where both appear to believe the mobile-payment market is a promising untapped opportunity.

The other banks that UnionPay said are hooked up to the TSM are China Everbright Bank, China Guangfa Bank, Bank of Beijing and Bank of Shanghai. Others are planned, said UnionPay, which said the service is also available in Changsha, Nanjing, Suzhou, Hangzhou, Fuzhou, Xiamen, Hefei and Lanzhou.

HEADLINE NEWS

Taiwan Telco Group Goal of 2014 TSM Launch May be Hard to Reach; NFC SIM Footprint Also Small

Jul 24 2014 (All day)

Taiwanese mobile operators have sold a combined 4.2 million NFC-enabled phones and hope to launch their joint TSM platform by the end of the year.

China UnionPay Strikes Deal with ZTE to Use Embedded Chips for Payments

Payment network China UnionPay and China-based handset maker ZTE have disclosed an agreement to enable contactless payment on embedded chips in two of ZTE’s latest high-end Android phones.

Hungary Concludes Year-Long NFC Trial, Prepares for Commercial Launches

As the Hungarian Mobile Wallet Association prepares to enable its members to commercially launch NFC mobile payments, it has released the results of its 12-month NFC payments and loyalty pilot along with a survey of users.

Swiss Telcos to Share Tapit NFC Mobile Wallet Platform

Swiss telco Swisscom has launched an NFC mobile wallet app called Tapit, with the country’s two other major telcos expected to follow later in 2014.

Airlines Continue to Test NFC for Boarding; BLE Piloted for Airport Navigation

France-based telco Orange and Air France, along with airline industry and information technology services provider SITA have launched a trial of an NFC boarding pass application for the airline’s route from Toulouse to Paris, and SITA is also piloting Bluetooth low energy beacons at Dallas/Fort Worth International Airport.

Visa, MasterCard to Offer HCE Services to Banks, as They Seek to Expedite Rollout of Technology

NFC Times Exclusive: Both Visa and MasterCard plan to offer their own HCE services to banks and other issuers to help the financial institutions launch host-card emulation, as the payment networks continue to try to expedite the rollout of HCE technology for NFC mobile payments, NFC Times has learned.

BBVA’s Pioneering HCE Service: Payments Innovation Head Talks Tokens, Reasons for Shunning SIMs

NFC Times Exclusive: Host-card emulation represents an “inflection point” for driving the rollout of NFC mobile payments and could also help the SIM-based NFC ecosystem to become more efficient and less costly, the head of payments innovation for major Spanish bank BBVA told NFC Times.

Canada Sees More NFC Commercial Launches with SIMs, but Market Remains Unsettled

Jul 15 2014 (All day)

NFC Times Exclusive: With its high rate of smartphone ownership, strong contactless-payment infrastructure and well-developed NFC ecosystem, Canada is increasingly seen as a market to watch for NFC commercial deployments.

Spanish Bank BBVA Announces Commercial Launch of HCE-Based Payments

Jul 1 2014 (All day)

Spanish bank BBVA is claiming to be the first bank to commercially launch payments with host-card emulation, announcing today an upgrade of its Android mobile-wallet app incorporating Visa’s HCE specifications.

Russian Bank Launches Delayed PayPass Service on Embedded Chips in Two Samsung NFC Models

Russian Standard Bank launched its long-planned NFC-payments service on embedded chips in Samsung NFC devices, under an earlier partnership deal between Samsung Electronics and MasterCard Worldwide.

Next Android Operating System to Support Enhancements to HCE

The next major Android upgrade, code-named Android L, includes changes to the way host-card emulation handles default applications for payment, according to a developer preview.

French Group Drops Cityzi Mark; Incorporates EMVCo Contactless Symbol in New Logo

Jun 27 2014 (All day)

France’s mobile-operator-led NFC association, AFSCM, has dropped its long-held NFC logo and touchpoint symbol for nonpayment services, Cityzi, in favor of on logo based on EMVCo’s contactless-payment acceptance mark.