Norwegian financial services provider DnB NOR and the
world’s sixth largest mobile operator Telenor have launched a trial of a new
mobile payment solution.
The project, called Tap2Pay, is based on innovative Near
Field Communication (NFC) technology and utilizes infrastructure provided by
Giesecke&Devrient (G&D). Other companies involved in the project
include MasterCardO, provider of the MOTAPS system and the PayPass payment
product, as well as Nets, one of Northern Europe’s biggest providers of payment
The pilot trial in Oslo is aimed at collecting feedback
from consumers and store owners about making contactless payments using mobile
The trial in which 250 consumers have been provided with Samsung S5230 mobile
phones equipped with NFC short-range wireless technology and a SIM card
containing a G&D payment application is being carried out in the Oslo
district of Majorstua.
Kaffebrenneriet coffee bars, outlets of the Vita
cosmetics chain and Deli de Luca Group restaurants have all been equipped with
the new payment terminals. The NFC solution behind the Tap2Pay project is
provided as a complete end-to-end solution by G&D.
In the Tap2Pay project, contactless payment with NFC-enabled mobile phones
offers users a number of advantages. Paying for items in a store is both fast
and easy customers simply hold their mobile phone against the payment terminal
and the amount is immediately debited to their MasterCardO.
This speeds up the checkout process while enforcing high
security standards equivalent to those of a conventional card payment.
The mobile phones are equipped with G&D’s ProxSIMTaurus SIM card, an
innovative type of 3G/GSM mini SIM card which supports NFC technology and
offers special security features. The payment application, personalization of
card credentials, and updates are loaded onto the SIM cards over the air (OTA)
via the mobile network.
For this pilot trial, G&D is installing the
MasterCardOPayPasspayment application on the NFC-compatible SIM cards using its
secure Trusted Service Manager (TSM) service. G&D’s TSM is connected with
MasterCardO Mobile Over-The-Air Provisioning Service (MOTAPS) and is the
world’s first deployment of the system supporting contactless EMV payment on
the NFC SIM and mobile phone.
The technology G&D uses to provide its Trusted Service Manager service is
based on G&D’s high-security, scalable, and high-availability SmartTrust
NFC Service Manager. Building upon G&D’s SmartTrust DP OTA platform, SIMs
and any other Secure Element or mobile device can be managed independently of
the network technology used.
G&D’s SmartTrust NFC Service Manager software offers
a broad range of management functionalities designed to meet the specific
requirements of service providers and mobile operators regarding scalability,
performance, reliability and interoperability.
The Oslo test is one of the first in Scandinavia and will be an important
milestone towards our use of mobile phones as wallets. We are certain that
contactless payment via mobile will become extremely widespread, because we all
take our mobiles everywhere we go, and because it’s a secure and easy way to
pay,” said Jon Fredrik Baksaas, president and CEO of Telenor.
One of DnB NOR’s ambitions is to lead the way in the development of digital
bank services. If we are to succeed in a market in which more and more services
are being integrated into mobile phones, we need to have a good, innovative
partner like Telenor. The test will show how we can work together to bring the
payment systems of the future to Norway,” said Rune Bjerke, CEO, DnB NOR.
We experience a strong worldwide demand to roll out NFC payment solutions.
Working with DnB NOR, Telenor, and the other participants in this project is
helping us to further understand end-user adoption. Such projects are important
to further enhance G&D’s international technological leadership in the NFC
area,” said Michael Kuemmerle, member of the management board group executive,
Mobile Security at Giesecke&Devrient.
By Telecomlead.com Team