Fuente: www.bankingtech.com Fecha: 13.04.2009
Visa has launched the world's first commercial Visa mobile payments service for point-of-sale transactions using Near Field Communications technology. The payments provider reports that the service marks the first time consumers can purchase an NFC-enabled mobile device off the shelf and use that device to make Visa payWave-enabled transactions at the point-of-sale instead of using their payment card.
"We believe that Visa's NFC mobile payment launch in Malaysia signals a tipping point for the payments industry globally as we move from mobile payment pilots to commercial availability," said Elizabeth Buse, global head of product at Visa: "Malaysia has historically been an early adopter of new payment technologies. The launch of Visa's first commercial NFC program in Malaysia is based on Visa's experience gained from undertaking extensive pilot activities around the globe and is something Visa plans to replicate in other places around the world."
Quite a team has been put together in order to deliver the service, including Maxis - which claims to be the largest wireless carrier in Malaysia with more than 11 million subscribers; Nokia - claiming to be the world's leading handset manufacturer and Maybank - all of whom have teamed with Visa to offer Visa payWave on mobile devices.
The service, launched April 9 2009, is intended to let Maybank Visa account holders to wave their NFC-enabled Nokia 6212 classic handset in front of a contactless reader to complete a secure Visa transaction in a matter of seconds
Maybank Visa account holders should be able to download their Visa payWave credit account details directly to their Nokia 6212 classic handset over the Maxis wireless network. Once the account has been personalized on the phone, account holders can then begin to make purchases at any one of the 1,800 merchant outlets that currently accept Visa payWave in Malaysia.
The contactless chip embedded in the device could also power a number of additional functions, including a contactless transit application that enables Malaysian commuters to pay for charges while using metropolitan transit systems, bus terminals, highway toll gates and car park facilities at more than 3,000 contactless payment touch points throughout Malaysia. Maxis has branded these mobile payment services under the name Maxis FastTap.
Dr Nikolai Dobberstein, Maxis' senior vice president of strategy and new businesses said, "Maxis has been a long-standing partner of Visa in Malaysia and is excited to be the first to market with a commercial Visa payWave service on mobile devices. Our collaboration with Visa is part of our wider NFC strategy which includes multiple applications including mass transit, road tolling, parking, mobile marketing through smart posters - and of course retail payment through Visa payWave. We see this announcement as important not only for consumers in Malaysia but for the broader financial services and telecom industries because it serves as a proof point that win-win business models are possible in mobile commerce."