buy metformin online

Taiwanese Telco and Banks Announce Plans for NFC-Payment Projects

May 29 2013 (All day)

Taiwan’s largest mobile operator, Chunghwa Telecom, and four banks announced plans today to launch NFC mobile payment, likely starting with Cathay United Bank and a six-month pilot.

As NFC Times reported earlier this month, Taiwan’s banking regulator, the Financial Supervisory Commission, was expected to grant approval for NFC mobile payment on SIM cards and managed over the air by Chunghwa Telecom’s own trusted service manager to four banks, including earlier approval for Cathay United, along with approval soon to Chinatrust, Taishin International Bank and E.Sun Commercial Bank.

The banks will launch mobile credit card services supporting MasterCard PayPass. Sources told NFC Times that Cathay United or Chinatrust would be the first to launch service, putting the PayPass credit application on NFC SIMs supporting the single-wire protocol and issued by Chunghwa Telecom. Chinatrust and Chunghwa Telecom earlier in May announced the launch of a co-branded physical credit card. Cathay United has been perhaps the most active Taiwanese bank in the past in holding trials using NFC and bridge technologies. 

Under the terms approved by cautious government regulators, Taiwanese banks launching NFC must start with a six-month trial, reportedly with up to 1,000 employees of the bank and telco. But the service could reportedly be expanded to regular customers after that, provided there are no significant security problems.

The first pilot is reportedly expected to use as many as seven NFC-enabled phones, including the Sony Xperia Z and Xperia TX, HTC One and Samsung Galaxy S III and Galaxy Note 2. France-based Gemalto is to supply the NFC SIM cards for the projects.

There are about 25,000 point-of-sale terminals in Taiwan that accept PayPass, along with Visa payWave and JCB's J-Speedy contactless applications.

The government approval requires Chunghwa Telecom’s own TSM to be used, which the telco developed in-house. Chunghwa Telecom’s TSM has already been certified by MasterCard for downloading and managing PayPass applications in NFC phones. 

Joint Venture TSM to Launch in 2014
Chunghwa Telecom is launching the project ahead of the formation of its planned joint venture with Taiwan’s two other major mobile operators, Taiwan Mobile and Far EasTone, along with two smaller telcos, Vibo Telecom and Asia Pacific Telecom, and EasyCard Corp. EasyCard operates a much-used closed-loop contactless transit fare-collection and retail payment scheme in Taiwan.

The six parties together are investing an initial NT$150 million (US$5 million) in the joint venture, which is to be registered before the end of this month. The venture’s main role is to hire a centralized TSM and mobile-wallet platform provider for the island nation.

A recent request for information, or RFI, sent out by joint venture organizers called for the TSM and mobile-wallet platform to be built by the first quarter of 2014 with plans for a launch in the second quarter of 2014.

It remains to be seen how services launched before that by Chunghwa Telecom and one or more Taiwanese banks will work with the third-party TSM and wallet platform launched by the joint venture, of which Chunghwa Telecom is a part.

It seems unlikely the other mobile operators in the venture would agree to use Chunghwa Telecom’s TSM and would likely look to global TSM providers for the contract.

France-based Oberthur Technologies in February announced it was providing a TSM platform to a local Taiwanese “digital security provider,” Smart Catch International, formed in 2012 and funded by Kainan University Group. They responded to the joint venture's RFI. The five other companies that responded to the RFI are Gemalto, Morpho-Cassis, Giesecke & Devrient, SK C&C and Oasis, sources told NFC Times

This TSM would manage the NFC SIMs, or possibly other secure elements, the members of the joint venture use. Separately, the Taiwanese government is planning to draft specifications that would underpin a centralized service provider TSM platform that banks could use to personalize their applications on the secure elements.

As NFC Times reported in April, a total of five banks in Taiwan are expected to receive approval this month or in coming weeks from regulators that would allow them to issue mobile credit cards that could be downloaded over the air to SIM cards in NFC phones or, in the case of one of the banks, Taipei Fubon Commercial Bank, preload a credit card application on a SIM.

Fubon is expected to launch NFC with another operator, Taiwan Mobile, which does not have an approved TSM.

In addition, any mobile NFC service introduced by EasyCard would also have to be preloaded on SIM cards, since it doesn’t yet have approval from regulators for its EasyCard application to be managed over the air.

Meanwhile, Chunghwa Telecom has said it would launch a separate mobile-payments service based on QR codes that could be used for some transactions in convenience stores and restaurants, as well as for online purchases. A trial is possible soon. The service would be part of a separate mobile wallet. 

HEADLINE NEWS

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

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.