Posts Tagged Google

Google Sets Role in Mobile Payment

Google Inc. is teaming up with MasterCard Inc. and Citigroup Inc. to embed technology in Android mobile devices that would allow consumers to make purchases by waving their smartphones in front of a small reader at the checkout counter, according to people familiar with the matter.

ReutersThe Nexus S Android, which Google developed with Samsung, could make mobile payments.



The Internet giant is aiming to make mobile payments easier in a bid to boost its advertising business. The planned payment system would allow Google to offer retailers more data about their customers and help them target ads and discount offers to mobile-device users near their stores, these people said. Google isn’t expected to get a cut of the transaction fees.

The project, which is in its early stages, would allow holders of Citigroup-issued debit and credit cards to pay for purchases by activating a mobile-payment application developed for one current model and many coming models of Android phones. The idea is to turn the phones into a kind of electronic wallet.

Interested? Read full article here!


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Google Gears Up for NFC M-Commerce; Wallet War Ahead?

As Google’s outgoing CEO Eric Schmidt put it at last month’s Mobile World Congress, NFC combined with smartphones represents a “mega-scale opportunity” and promises to “revolutionize” electronic commerce and payments.

Google has been gearing up to take advantage of that opportunity. I’m told it has been contacting a number of large U.S. merchants, including Wal-Mart, to get buy-in for its plan to push location-based mobile marketing and advertising to consumers, who could then tap their Android NFC phones using a Google-developed mobile wallet.

Interested? Read full article here!

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Mobilen kan bli din nya plånbok

Inom några år kan mobilen komma att ersätta plånboken och nyckeln. Flera tester pågår, både i Sverige och internationellt, och på sikt kan det innebära att plastkorten försvinner.

“Man slipper en stor och klumpig plånbok”
Inom några år kan mobilen komma att ersätta plånboken och nyckeln. Flera tester pågår, både i Sverige och internationellt och på sikt kan det innebära att plastkorten försvinner. 

– Det innebär ju att väldigt många kommer ju antagligen att välja bort plasten och istället ha sitt plastkort elektroniskt på sin telefon, säger Leif Olof Wallin, analytiker på företaget Gartner som jobbar med it-rådgivning.

Vad är fördelen för mig som konsument med att jag får in allting i mobilen?

– Det finns ju några stycken fördelar, den mest uppenbara är ju att slippa ha en stor och klumpig plånbok med sig där det oftast finns flera plastkort i, säger han.

Den teknik som behövs finns och används redan för flera olika funktioner, bland annat i periodkort på kollektivtrafiken och för hotellens nyckelkort. De kan tankas med pengar eller med ett rumsnummer och nyckelfunktion.

Det nya nu är att tekniken flyttas över i mobiltelefonen, och då kan kombineras med en uppkoppling mot mobiltelefonnätet. I Stockholm pågår ett test på ett stort hotell där gäster kan checka in och låsa upp sitt rum med mobiltelefonen.

Daniel Berg på Assa Abloy beskriver hur det går till:

– Så på morgonen när rummet är klart så skickas det ut ett meddelande till gästen och upp kommer en sida med detaljer om bokningen, och då checkas man alltså in som man hade gjort vid disken vid normala fall, men det här sker alltså från taxin eller från flygplatsen, säger han.

Och sedan är det bara att gå till rummet och sätta mobilen mot en läsare så öppnas dörren.

Att betala via mobilen tror branschen kommer att bli stort. Ericsson har i dagarna startat en helt ny affärsenhet som ska hantera betalningar via mobilen.

Korttillverkaren Visa genomför tester med Iphone och Samsung och Nokia bygger in tekniken i allt fler av sina mobilmodeller. I Storbritannien kommer 40 000 butiker från sommaren att erbjuda betalning via mobilen. Den nya tekniken innebär många möjligheter, men det finns också problem.

Göran Marby är generaldirektör för Post- och Telestyrelsen:

– Vad som händer i dag är att allting blir internet, allting går på något sätt i samma kablar. Och det gör ju att om någonting händer med den infrastrukturen så drabbas ju många fler.

– Men det är inte bara det att du inte kan ringa, utan det kan ju vara så att det är en fabrik som är uppkopplad på internet som stannar. Det kan vara sjukvårdsutrustning som är uppkopplad. Det kan vara en massa saker som att du inte kommer åt webbsidor och inte kan göra dina elektroniska affärer.

– Det andra problemet är att om du lägger många saker på ett ställe och blir av med det. Ja, då kan du inte ens ringa och säga att du inte kommer in, och du kanske inte kan stänga av larmet eller betala din räkning och sånt där.

Intressant? Lyssna på inslaget i ekot här!

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NFC poised to take off!

NFC is predicted to enter an explosive growth phase during 2011. But where will the major roll out of contactless mobile payment begin and who will take the lead? Find out more in these articles:

SAN FRANCISCO—Boosted by support from heavyweight wireless players Nokia Corp. and Google Inc., use of near field communication (NFC) in handsets is poised to begin an explosive growth phase next year, according to market research firm iSuppli Corp.

Read the enitre article here!

The global market for smart phones with near-field communication technology (NFC) will heat up in 2011, opening the way for contactless payments via mobile phones, according to a new report from Mercator Advisory Group Inc. But while the U.S. is poised to be a breakout market for NFC at some point, it is not likely to be among the first countries to roll out contactless mobile payments.

Read the entire article here!

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Why Your Smartphone Will Replace Your Wallet

The day when near field communication (NFC) will help replace plastic credit cards, coupons and loyalty program cards with a wave of a phone at a payment terminal has been long anticipated.

Wireless NFC technology enables devices, including mobile phones and payment terminals, to communicate with one another or read special tags. Its short-range signal, convenience and built-in security make NFC an apt choice for mobile payments. Its efficacy persuaded companies like MasterCard, American Express, and Visa to join theNFC Forum in 2004 shortly after it was founded to advance the use of the technology. Today, the possibility that this technology could replace a wallet full of plastic seems not only likely, but imminent.

Samsung’s Nexus S, the first NFC-enabled Android phone, will be on sale at Best Buy starting December 16; Nokia has announced that all of its Smartphones starting in 2011 will support NFC; and Apple recently hired an NFC expert. Jeff Miles, the director of mobile transactions worldwide at NXP Semiconductors, which co-invented NFC with Sony in 2002, says he expects more than 70 million NFC-capable handsets to be manufactured in 2011.

“As far as what will happen with it, who owns the keys and all of that, none of that has really been determined,” Miles says.

Players in multiple industries have made strides toward putting virtual wallets on consumers’ mobile phones. Here’s how some of them have been approaching the opportunity to transform the way we make purchases.

Credit Card Companies


Contactless payment terminals for MasterCard’s PayPass, American Express’s ExpressPay and Visa’s payWave could also be used to accept the tap of an NFC-enabled phone for payment. In essence, the terminals, which are installed in all U.S. McDonald’s, CVS Pharmacies, Home Depots and other merchant locations, are the beginning of a “tap-to-pay” infrastructure.

MasterCard, for instance, is now accepted on about 265,000 contactless payment terminals that would also be able to accept an NFC-enabled phone. Considering that the company has about 29 million locations worldwide, this is far from a complete infrastructure. But it’s a start.

“Definitely we’re seeing a lot of interest and support, and I think 2011 is really going to be a year when we really start seeing commercial deployment,” says James Anderson, head of mobile for the company.

Although NFC-enabled devices have been available in various markets forquite some time, with the exception of a handful of pilot projects, they haven’t been used for payment. In order to safely use the technology with checkout terminals, a “secure component” also needs to be either embedded in the phone, in a SIM card, or through MicroSD cards.

Visa recently made mobile contactless payments available using a MicroSD card solution that can be inserted into the phone’s existing memory slot. Wells Fargo announced this month that it would launch a pilot of the payment option with 200 of its San Francisco employees.

In the meantime, credit card companies have started programs to get customers used to the idea of tapping their phones to pay. MasterCard customers that bank with Citibank, for example, can ask for a mobile PayPass tag to attach to their phone to enable tap-and-pay. The adhesive chips use the same NFC technology that would be embedded in some phones.

Mobile Network Providers


Last month, an unlikely partnership of Verizon, AT&T and T-Mobile announced a new initiative called Isis that will create an NFC contactless payment network for the three companies’ combined 230 million customers. Ryan Hughes, the VP of business development at Verizon Wireless and an Isis spokesperson, sees the joint venture as a signal to merchants that they are committed to mobile payments.

“[Our announcement] was actually an opportunity for us to say to the merchant community that this is happening; it’s going to be real, this is not a science project for us, and we have the opportunity on our side to put the technology in a lot of consumers’ hands, and it’s a rallying cry for banks and merchants that the time has come,” Hughes says.

Because the companies are working together on the payment network, merchants will only need to update their terminals once in order to provide service to all three mobile networks’ customers.

Barclay’s “Barclaycard U.S.” will be the first card on Isis’s planned network, although Isis says that it will welcome other banks and mobile carriers that want to join in the future. Isis is planning to use Discover’s own payment network and its existing terminals that accept Discover’s Zip contactless payment cards. When it launched in November, Isis was expecting to launch a product within 18 months.

MasterCard and other credit card companies have created similar partnerships with mobile networks outside of the U.S. Mobile carriers have large customer bases and relationships with handset manufacturers to make sure that NFC technology is included in new handsets and to create a common set of technology standards.

“We’re in a place where we will have conversations with all parties interested, including banks and [telephone companies], to get to a place that would benefit everyone,” Anderson says.

Starting a brand from scratch and a payment network that people trust is a substantial investment, but Hughes thinks that Isis might distinguish itself by doing more than replicating a plastic card experience. While Hughes didn’t mention anything specific that Isis has in mind, there are opportunities to integrate similar store loyalty programs, checkins and other capabilities that mobile apps have already started to provide for in-store shoppers.

PayPal, Bling Nation and Other Players

While mobile phone networks and credit card companies are trying to turn your cell phone into a type of credit card, PayPal is trying to use NFC to make its online-only system viable in the physical world.

The company has partnered with Bling Nation, a Palo Alto startup that has been installing contactless payment terminals at local merchants since 2008. When users attached an NFC-enabled sticker to their phone, they could swipe to make payments and receive rewards. Previously, Bling Nation users were paying from accounts at partner banks. Since this summer, they’ve also had the option to pay using their PayPal accounts.

Boku, a company that makes online purchases easier by allowing customers to use their mobile phone numbers at checkout, has also expressed interest in entering the physical world as a payment option. In Boku’s case, online purchases are currently charged to the customer’s phone bill. How exactly the addition of physical payments would take place remains unannounced.

Other companies are focusing not only on payment, but on replacing the loyalty program cards, coupons and other cards most people carry in their wallets. Earlier this week, it was revealed that GoogleGoogle purchasedZetawire, a startup that held a patent application for “mobile banking, advertising, identity management, credit card and mobile coupon transaction processing,” and little else.

Startups like PlacepopAisleBuyer and Coupious have taken less comprehensive approaches to trying to replace your wallet.

Still, companies like Boku increasingly see your wallet as unnecessary. As Boku’s co-founder Ron Hirson says: “I think us carrying around a wallet full of plastic will absolutely go away, and I think that billing methods will live inside the phone, and that’s where we’ll be.”

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10 hetaste trenderna i mobilvärlden 2011

1. Standardmobilen byter skepnad

2. Google ”chromar” Android

3. Operatörerna återvänder till rötterna

4. M2M-standarder driver ”sakernas internet”

5. Motorola reser sig på tio

6. Mobiloperatörerna förlorar säljkraft

7. Ett sanningens år för Microsoft

8. 3D intar mobila enheter

9. Ekosystemets mobila upplevelse

10. QoS får huvudroll

Interested? Read full story here!

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Next Android Version Includes E-wallet for Real World Purchases

Google’s newest iteration of its Android phone OS will include a wallet that lets use your phone to make payments by tapping it against a cash register, CEO Eric Schmidt revealed Monday.

“This could eventually replace credit cards,” Schmidt said.

Android 2.3, codenamed Gingerbread, will be released in a “few weeks,” Schmidt said on stage at the Web 2.0 Summit conference in San Francisco. Schmidt showed off how so-called Near Field Communication would work using an unnamed smart phone he called an unannounced product. Using the software from Android and a NFC chip in the phone, Schmidt was able to “check in” to the conference, launching Google Maps, by touching the phone to a conference sign that had a built-in antenna.

Interested? Read full article here!

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