Contactless Payments | Key Management and Payments Security Blog - Thales e-Security

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  • Anything you can do, we can do better: the merchant response to mobile payments

    By | October 30, 2012

    Following last week’s ATM, Debit and Pre-Paid Forum in Phoenix, AZ one of the most interesting topics under discussion was the Merchant Customer Exchange (MCX).  The number of mobile payment solutions being offered to merchants seems to increase every day. Normally this would be a good thing but often each solution works in a slightly different way, involves a different risk management model and typically requires the merchants to modify their systems/payment acceptance process.  There is a lot of talk about technology but very little talk about how mobile payments will make more money or reduce costs for merchants.

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  • From the Device to the Server: Google Wallet Simplifies Approach to Mobile Payments

    By | August 22, 2012

    Earlier this month, Google announced that consumers would have the ability to enlist their own financial card information onto their Google Wallet instead of waiting for their bank to board their card credentials. This approach supports the ‘consumer centric’ model for mobile payments vs. having interested parties such as banks, mobile network operators, etc. in control.

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  • Trust in the Cloud or Trust in the Phone?

    By | November 01, 2012

    Ian Hermon looks at the approaches for the successful mass adoption of mobile payments among issuers, card schemes, acquirers, merchants and consumers and asks whether the arrival of emerging mobile payment technologies and increasingly secure cloud services will act as a revolutionary or evolutionary force? 

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  • Security Challenges In The Age Of Mobile Payments

    By | May 24, 2011

    It seems that the technology for supporting mobile payments will soon become widely available. Most of the major smartphone operating systems have announced support for NFC. Many big names such as Nokia, Blackberry and HTC have launched NFC phones and some key Mobile Network Operators have made announcements too. However, this new payment eco-system will present an array of security requirements and challenges.

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  • The contactless mobile dilemma – two choices, two winners

    By | November 05, 2014

    An “A versus B”, battle of the bands, one winner takes all discussion is a tried and tested technique for whipping crowds into a frenzy. In this case, it’s Host Card Emulation (HCE) being pitted against the Secure Element approach to securing mobile payments – will it be our red or our blue fighter that takes home the shiny championship belt of widespread adoption?

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  • Card or mobile – which will win?

    By | July 29, 2009

    It’s clear that the roll-out of contactless is acting as a driver for payments made via mobile phone handsets. Although the majority of contactless roll-outs to date have been card-based, the mobile is becoming a strong contender as the future de-facto device for contactless payments. Initially held back by a lack of consensus between the mobile and banking worlds, there have been some recent developments which are taking us a step closer to enabling widespread mobile payments, particularly in Europe.

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  • Ensuring the payment infrastructure can manage

    By | July 24, 2009

    If contactless payments take off as expected and replace even a small percentage of cash payments worldwide, card transaction volumes are likely to increase dramatically. From a payments infrastructure point of view, this increase will need to be planned for appropriately, particularly in the U.S.

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  • Apple: the 800 pound gorilla of mobile payments

    By | November 03, 2010

    To date, the poor availability of phones with NFC technology has been one of the factors holding back the use of this technology to enable wave-and-pay mobile payments in a shop or peer-to-peer payments by touching phones together. It seemed earlier this year that bridging technologies may provide the kick start needed for contactless payments to really take off, but now there’s another contender for moving things forward, and one that is renowned for ‘game changing’ the market: Apple.

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  • A bridge to mobile payments

    By | April 16, 2010

    What’s it going to take to get contactless payments off the ground? Contactless card payments have been proving more of a slow burner than a big bang, and the introduction of mobile phones with embedded NFC capabilities that could be used for contactless payments has also been slow.

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  • Chickens, eggs and gorillas are red hot

    By | January 28, 2011

    The world of NFC and contactless payments is getting red hot. The first month of 2011 has seen a slew of announcements and rumours relating to this topic.

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