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Saturday, October 20, 2012

SwiffPay Certification : EMV L2 / Study on m-POS market

DID YOU KNOW?
1.2 million MPOS solutions were shipped to MasterCard merchants in 2010 and 2011–and 75% of those merchants had not previously accepted payment card transactions.1
Mobile devices are becoming ubiquitous around the world. According to the International Telecommunications Union (ITU, 2011), the global mobile phone market grew by 45 percent year over year from 2006 to 2011, with 5.9 billion subscriptions globally. Smart phones are widely expected to have a significant impact on the electronic payment industry because they fill an immediate and strong need to move everyday transactions from cumbersome cash to cards and other forms of electronic payments.
SMALL BUSINESSES AND RETAILERS ARE TURNING TO MOBILE TO INCREASE SALES AND BROADEN THEIR CUSTOMER BASE
Small businesses and retailers that have never accepted card payments and previously operated on a cash- and invoice-only basis are turning to mobile point-of-sale (MPOS) solutions to expand their customer base and sales. Existing retailers are also adopting MPOS solutions to enhance the retail and payment experience. MasterCard has introduced the MasterCard Mobile POS Program to promote simple and secure transactions when consumers use their debit, credit and prepaid cards to pay merchants that use these devices.
THE MASTERCARD MOBILE POS PROGRAM
The MasterCard Mobile POS Program offers guidance and best practices to mobile point-of-sale solution providers and merchants to help small businesses and retailers use their mobile devices as secure POS payment terminals.
The program provides clarity as to how MPOS solutions should be developed and deployed by establishing MasterCard Mobile POS Best Practices.
: the m-pos product of sccpgroup name swiff is listed on these certification : http://www.mastercard.com/corporate/mpos.html http://www.addictgroup.fr/portfolio/caisse-tablette/ http://www.addictgroup.fr/portfolio/mpos/ For more contact details on Swiff and projects deployed in Europe : hugues [DOT] courcier [at] sccpgroup |dot] com Liens partenaires : EMV Level 2 certification for m-POS EMV Level 2 hip and sign swiffpay certification Visa MasterCard mobile payment and m-POS Czech republic europe EMV Level 2 certification for m-POS EMV Level 2 certification for m-POS mobile payment and m-POS in Romania mobile payment and m-pos in Poland mobile payment and m-pos in Solvakia mobile payment and m-pos in Russia mobile payment and m-pos in Europe mobile payment and m-pos in Asia Security mobile payment and m-pos SwiffPay, mobile payment SwiffPay, mobile payment http://www.addictgroup.fr/loi-sur-les-caisses-enregistreuse-de-commerce-de-proximite/ http://www.addictgroup.fr/portfolio/plug-in-de-caisse-enregistreuse_prestashop-et-magento/ http://www.addictgroup.fr/loi-sur-les-caisses-enregistreuse-de-commerce-de-proximite/ http://www.addictgroup.fr/portfolio/plug-in-de-caisse-enregistreuse_prestashop-et-magento/ http://huguescourcier.blogspot.fr/2013/03/le-mpos-une-evolution-ineluctable-en.html http://huguescourcier.blogspot.fr/2013/03/interview-mobile-wallet-in-europe.html http://huguescourcier.blogspot.fr/2012/11/mobile-point-of-sales-loyaltie-program.html

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posted by Hugues Courcier at 9:15 AM 0 comments

Czech Republic : m-POS, Oberthur for mobile payment service

Oberthur Technologies, one of leader on security and identification solutions and services based on smart card technologies, is collaborating with its new mobile payments subsidiary MoreMagic Solutions in Waltham, MA. They annonce yesterday its selection as the exclusive technology partner of Mobito, a ground-breaking mobile payment service in the Czech Republic that represents the first of its kind globally. Launched in September by Mopet CZ, a consortium of three of the largest brands in the mobile space – T-Mobile, Telefónica and Vodafone – and four major banks – Ceská sporitelna, GE Money Bank, Raiffeisenbank and UniCredit Bank, MOBITO is now available to all mobile users across the Czech Republic regardless of who they bank with.
Mobito provides people throughout the Czech Republic with a convenient and secure way to make payments from their existing mobile devices, whether they are using feature phones or smartphones. Mobito customers can access a wide range of services like transportation, ticketing, online purchases and in-store purchases at cafés, bistros, supermarkets, etc. Payments can be made using the Mobito service, directly from the bank account or through the stored value account (mobile wallet) or even using credit or debit cards. Customers can also use Mobito to top up their mobile phone credit and send money to each other.
Oberthur Technologies is leveraging the MoreMagic Mobile Money platform and its rich suite of mobile and smartphone applications to deliver a full set of mobile financial services to power Mobito, paving the way to the adoption of remote payments, as well as NFC and non-NFC proximity payments, across the Czech Republic. The service is fully compliant with EU e-money standards and the Czech Banking laws.
Click here to find out more!Tomáš Salomon, co-founder and chairman, Mopet CZ commented: “Oberthur Technologies and MoreMagic Solutions have made it possible for us to successfully launch Mobito in less than twelve months which is a great achievement, especially given the need to fully integrate with seven such large entities, as well as retailers. The service is enabling people across the Czech Republic to experience mobile money in an easy-to-use and intuitive way today, without the need to Liens partenaires : EMV Level 2 certification for m-POS EMV Level 2 hip and sign swiffpay certification Visa MasterCard mobile payment and m-POS Czech republic europe EMV Level 2 certification for m-POS EMV Level 2 certification for m-POS mobile payment and m-POS in Romania mobile payment and m-pos in Poland mobile payment and m-pos in Solvakia mobile payment and m-pos in Russia mobile payment and m-pos in Europe mobile payment and m-pos in Asia Security mobile payment and m-pos SwiffPay, mobile payment SwiffPay, mobile payment

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posted by Hugues Courcier at 8:59 AM 0 comments

Sunday, October 14, 2012

Visa, MasterCard sign European mobile payment partnerships

Last week both Visa and MasterCard announced European mobile payments partnerships. On Monday, MasterCard announced that it has entered into a mobile payments partnership with Deutsche Telekom, while Visa announced on Friday that it had joined forces with Telefonica Digital to offer a similar service.
The agreement between Visa (San Francisco, Calif., USA) and Telefonica Digital (Madrid) will see both companies co-invest in the development of products and services in areas such as mobile wallet, contactless payments (NFC), acquirer services for mobile point of sale, and merchant offers. The agreement builds on Telefónica and Visa Europe's existing relationship in markets such as the UK and Ireland, formalizing it at a Europe-wide level and establishing Visa Europe as Telefónica's preferred partner for the issuance of branded payments cards and the development of related mobile payment services, says both companies.
“Visa has been an important partner for a number of years in Europe, helping us to trial, test and ultimately launch mobile payments products,” said Joaquin Mata, director of Financial Services at Telefónica Digital. “This market has enormous untapped potential and through this partnership with Visa Europe we aim to unlock significant new business opportunities.”
According to the companies, Telefónica is committed to striking wide-ranging, open partnerships with a range of companies in order to develop mobile commerce services. In addition to Visa Europe, it has recently formed partnerships with Sybase and Giesecke and Devrient.
The agreement between MasterCard (Purchase, N.Y., USA) and Deutsche Telekom (Bonn, Germany) involves Deutsche Telekom delivering smart payments to its 93 million mobile customers across Europe.
The initial deployments will begin in Poland and Germany and will include the introduction of a mobile wallet service in 2013. The platform will be open to other issuing banks and partners, according to the Wall Street Journal, and MasterCard products will be issued through Deutsche Telekom’s subsidiary ClickandBuy.
According to MasterCard’s Mobile Payments Readiness Index, which was released in May, both Poland and Germany were in the lower half of countries considered “ready” to adopt mobile payments. The scores were based on six different components: environment, infrastructure, regulation, consumer readiness, financial services and mobile commerce clusters.
According to MasterCard, Germany has a strong environment, regulatory structure, and widely distributed and affordable financial services; but the country falls short when it comes to levels of investment in telecom, as well as consumer readiness.
Although Poland is ranked in the bottom ten in terms of readiness, the index suggests that the problem has more to do with education rather than economics or penetration. According to the Index, partnerships between telcos and banks in Poland are already beginning to take shape.


Liens partenaires : EMV Level 2 certification for m-POS EMV Level 2 hip and sign swiffpay certification Visa MasterCard mobile payment and m-POS Czech republic europe EMV Level 2 certification for m-POS EMV Level 2 certification for m-POS mobile payment and m-POS in Romania mobile payment and m-pos in Poland mobile payment and m-pos in Solvakia mobile payment and m-pos in Russia mobile payment and m-pos in Europe mobile payment and m-pos in Asia Security mobile payment and m-pos SwiffPay, mobile payment http://www.addictgroup.fr/loi-sur-les-caisses-enregistreuse-de-commerce-de-proximite/ http://www.addictgroup.fr/portfolio/plug-in-de-caisse-enregistreuse_prestashop-et-magento/ http://huguescourcier.blogspot.fr/2013/03/le-mpos-une-evolution-ineluctable-en.html http://huguescourcier.blogspot.fr/2013/03/interview-mobile-wallet-in-europe.html http://huguescourcier.blogspot.fr/2012/11/mobile-point-of-sales-loyaltie-program.html

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posted by Hugues Courcier at 4:32 AM 0 comments

Swiff debuts mobile point of sale technologies in Thailand in push towards a cashless world

World's first white label mobile commerce solution launched with Bank of Ayudhya to be real game changer for the future of mobile payments
Swiff, the global innovator of secure mobile commerce solutions, today announced the world's first complete live implementation of an end-to-end, secure mobile point of sale (mPOS) solution.
The partnership with Thailand's leading consumer finance bank, Bank of Ayudhya (BAY) and the Swiff platform will allow the bank to provide their customers with new retail opportunities made possible by the flexibility and low cost of Mobile POS.
"This is an exciting time for the payment industry, with technology being the bedrock for enhanced mobility, payments, convenience and productivity improvements," said Jerome Cle, CEO and Founder of SCCP Group. "We're ready to empower banks worldwide withtechnologies that enable truly secure mobile strategies, allowing them to stay competitive in the m-commerce revolution and take back market share from aggregators in that market."
Unlike other mobile payment companies, Swiff is not a payment aggregator and is a technology provider and partner to the banking and financial industry. Through Swiff's innovative and unique technology, banks have the tools to roll out mobile strategies that enable bank-level secured, authenticated transactions. Swiff's mobile platform is embedded with a Multi-Factor Authentication application that has the ability to track the mobile device, the staff who authorised the transaction, and identify the location where the payment was transacted. This enables the quick identification of any possible fraudulent use of the credit card, and promises an extremely high level of security for safe and secure card transactions.
"Our strongest differentiator lies in our ability to seamlessly integrate into any acquiring bank, allowing the bank to rapidly provide an mPOS service to existing and new merchants. On the commercial front, we are opening doors for banks to achieve a richer level of engagement with their customers. Increasingly, people are changing their payment habits and are more willing to use cashless systems through mobile devices to do banking, money transfer, and commerce activities," said Erik Holst-Roness, Executive Vice-President of SCCP Group.
Philip Tan, Head of E-Business of Bank of Ayudhya said, "Swiff is a strong component ofour mobile strategy in the payment chain, especially with its bank-level authentication and identification technologies which enable easy and secure payment transactions. Through this partnership, we now have a new way to engage with our customers, allowing us to grow and build customer relationships and provide a service that can help our customers become increasingly mobile in their payment processes."
Swiff was first launched by SCCP Group in Singapore since March 2012 and plans are underway for further bank partnerships to be developed in growth markets for the US, Europe, and Asia Pacific.


Liens partenaires : EMV Level 2 certification for m-POS EMV Level 2 hip and sign swiffpay certification Visa MasterCard mobile payment and m-POS Czech republic europe EMV Level 2 certification for m-POS EMV Level 2 certification for m-POS mobile payment and m-POS in Romania mobile payment and m-pos in Poland mobile payment and m-pos in Solvakia mobile payment and m-pos in Russia mobile payment and m-pos in Europe mobile payment and m-pos in Asia Security mobile payment and m-pos SwiffPay, mobile payment Liens partenaires : plug in Magento et Prestashop pour caisse enregistreuse et commerce de proximité plug in Magento et Prestashop pour caisse enregistreuse et commerce de proximité plug in Magento et Prestashop pour caisse enregistreuse et commerce de proximité plug in Magento et Prestashop pour caisse enregistreuse et commerce de proximité plug in Magento et Prestashop pour caisse enregistreuse et commerce de proximité plug in Magento et Prestashop pour caisse enregistreuse et commerce de proximité plug in Magento et Prestashop pour caisse enregistreuse et commerce de proximité

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posted by Hugues Courcier at 4:28 AM 0 comments

Russia : Why Mobile Payments Are Taking Off ?

If you want to get a sense of what the technological future has in store, it often makes sense to take a look at what’s occurring in the developing world. Too poor to keep up with the last several generations of investment, markets such as BRIC countriesBrazil, China, India and Russia are often just getting around to providing many services that richer markets take for granted—and they are skipping ahead to the latest technological developments.
That dynamic appears to be at work in the financial services industry in Russia, where 95% of people lack credit cards and other banking services, according to Frederic Vanoosthuyze, vice president of information technology at MTS, the Russian telecommunications company. In place of those basic financial services, Russians are rushing ahead in the deployment of mobile payments, a technology that has been slow to take off in the U.S., as CIO Journal’s Clint Boulton reported.
“Mobile payments are growing and have huge potential in Russia given the fact that there are few credit cards,” Vanoosthuyze says. Russia is largely a cash economy. Vanoosthuyze notes that there are only 0.1 credit cards issued per person in Russia, just one third the rate in China. Thus the opening for mobile payments.
And as mobile payments enter the mainstream, they will extend financial services to millions of people, as Irving Wladawsky-Berger notes. “In developing economies, mobile digital money could be the ticket to financial inclusiveness and a higher standard of living for billions of people around the world, Wladawsky-Berger wrote in CIO Journal in August. “CIOs and other leaders need to make sure that they are prepared at various levels—from infrastructure to strategy and customer service—for those global differences.”
Russia does have a relatively widespread adoption of smartphones—which exists, in part, because the development of fixed line communications lagged the West for many years. Now one leapfrog technology—the smartphone—is making way for another. “Smartphones gives us a better platform for making financial products like mobile payments a part of people’s lives,” Vanoosthuyze told CIO Journal. Smartphone adoption is still in the single digits in Russia—not particularly high, but still much more widespread than credit cards. Vanoosthuyze says the total mobile payments market in Russia will hit 40 billion rubles ($1.2 billion) this year and triple to 163 billion rubles by 2017.
MTS—which is part of Russian investment firm Sistema and has about $12 billion in annual revenue—has been using the IT infrastructure that supports its telecom business to build a broader mobile payments service allowing its customers to use their mobile phones to pay a variety of bills. The company already has payment histories for millions of customers, which allows it to qualify them for its nascent banking services. That is a big deal in a country where credit scoring services, a key part of the financial infrastructure, have been lacking as well. “The absence of databases for credit also gives us an advantage in scoring people and distributing to our customers financial products,” Vanoosthuyze says.
As CIO Journal reported last week, he has been upgrading MTS’s IT infrastructure to enable the expansion of the mobile phone company into fixed line communications, pay TV, and now financial services.
Since 2010, he says, MTS has used its Easy Payment application to allow customers to transfer money to other accounts, and make so-called “community payments” for utilities such as water, heat, and electricity. The Easy Payment application handles about 125 million rubles a month worth of commerce, and total MTS mobile commerce is 500 million rubles a month. Vanoosthuyze says the total mobile payments market in Russia will hit 40 billion rubles this year and triple to 163 billion rubles by 2017.
Since 2011, MTS has offered a service called MTS Dengi (Russian for money), which allows any smartphone to be used as a mobile payment device. The service includes a near-field communications chip and a credit card. NFC services allow machine-to-machine communications over very short distances—such as the space between a customer and a cash register. They have been slow to take off in the U.S., however, as CIO Journal’s Boulton notes, for a variety of reasons. NFC hasn’t been built into the latest phones, such as the iPhone 5. And merchants haven’t invested in the technology, either
MTS has built a high level of security into the Dengi service, placing it in the phone’s SIM card. Vanoosthuyze says that’s more secure than a smartphone app.
MTS is only part of a wider mobile payments infrastructure in Russia. Two companies—Q/WI and Chronopay—operate so-called “corner terminals,” booths that can be found in shopping malls, underpasses and transportation stations. These machines accept cash for a range of bills, such as utilities or pay TV services, and then wirelessly transmit the credit to the user’s account, according to Vanoosthuyzse. Many ATMs provide a similar service, he said.
As Wladawsky-Berger notes, the arrival of digital mobile payments on a global scale will be as transformative as the rise of the credit card business was in the 1950s. And much of that change is beginning now, in Russia and other developing markets.


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posted by Hugues Courcier at 4:17 AM 0 comments