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27 בינואר 2014
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אתם עוד תשלמו על זה – בסמארטפון

ההבטחות שיום אחד נוכל לשלם על כל דבר עם המכשיר הסלולרי נשמעות כבר שנים, אך מסרבות להפוך למציאות; מי אשם במצב, האם הוא בדרך לפתרון, אילו אפליקציות מאפשרות לכם לשלם עם המכשיר כבר היום ומתי (והאם) נוכל לזרוק את הארנק לפח?

יאיר מור | מגזין mako

"מאה ושניים שקל, שמונים אגורות", אמרה הקופאית בסופרמרקט, וישראל ישראלי השיב בשליפת הסמארטפון מהכיס ונפנופו בסמוך למסוף הקופה. למונית שחיכתה לו בחוץ – הרי הוא הזמין אותה דרך אפליקציה – הוא שילם בלי לדבר בכלל עם הנהג, על ידי אישור ההעברה שהציג לו מסך הסלולרי. את כרטיסי הכניסה למופע שנסע אליו אחרי הנחת שקיות הקניות בבית הוא בכלל לא ראה – הוא רק הזמין אותם מראש, בסלולר, ושער הכניסה לאולם נפתח אוטומטית כאשר התקרב אליו. על החניה הסמוכה הוא שילם – איך לא – דרך הטלפון.

כך נראים החיים בעשור השני של המאה ה-21, כפי שתוארו בשנים האחרונות על ידי אינספור גופים וחברות. את הכיסים הנפוחים אצל הגברים ותיקי היד המסורבלים אצל הנשים החליפו המכשירים הדקיקים שגם ככה יש לכולנו בהישג יד, והשימוש במזומן נשאר נחלתם של צרכני שירותי מין וסמים בלבד. רק בעיה אחת יש כאן: במציאות זה פשוט לא קרה. רובנו המוחלט עדיין מסתובבים עם ארנקים, כיסים ו/או תיקים עמוסים מטבעות, שטרות, כרטיסי אשראי ומועדוני לקוחות.

יש לך סמארטפון לפרוט לי?

חזון הארנק הסלולרי, כפי שמכונה המציאות המתוארת לעיל, אמנם טרם התגשם, אך בכל זאת קורם לאיטו עור וגידים – או לפחות מסופים ואפליקציות. בשנה וחצי האחרונות הושקו בישראל מספר פתרונות לביצוע תשלומים באמצעות הטלפון, ויותר ויותר שירותים שאנו צורכים ניתנים לתשלום ללא צורך בהעברת מזומן או גיהוץ כרטיס אשראי, אלא בהקלקה על כפתור במסוף התקשורת שנמצא בכל כיס.

כך, לדוגמא, לאחר שחוללה מהפכה בתחום שירותי המוניות לפני כשנתיים, לפני מעט יותר משנה החלה חברת הסטארט-אפ "גט טקסי" לאפשר תשלום על הנסיעות מתוך האפליקציה. לאחר הזנת פרטי כרטיס האשראי לאפליקציה, בסוף כל נסיעה תקבלו הודעה על מחיר הנסיעה, תתבקשו לאשר ותוך שניות התשלום יועבר וקבלה תנחת אצלם במייל.

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26 בינואר 2014
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דיווח: אפל מפתחת ארנק סלולרי

נמרוד צוק כלכליסט

בכירים בחברה מנהלים מגעים עם גורמים בתחום שירותי התשלום המקוונים, במטרה לאפשר למשתמשי האייפון והאייפד לשלם באמצעותם על מוצרים בחנויות. לפי הערכות פורסטר, אפל תוכל להפוך לשחקנית מפתח בתחום

גוגל Wallet, מאחוריך: אפל מפתחת פתרון משלה לתשלומים מהנייד. הוא אמור לאפשר לבעלי מכשירי אייפון ואייפד לשלם באופן פשוט באמצעות המכשיר עבור מוצרים שהם קונים בחנויות.

אדי קיו, בכיר באפל שאחראי על אייטיונס, נפגש לאחרונה עם מנהלים בחברות טכנולוגיה אחרות במטרה לדון במיזם, לטענת הוול סטריט ג'ורנל. בנוסף, מינתה החברה את ג'ניפר ביילי, שעסק'ה בניהול החנויות המקוונות של החברה, לאחראית על הקמת המערכת. החברה שומרת לעת עתה על מעטה חשאיות סביב הפרויקט, ומונעת מהבכירים הקשורים אליו להתראיין בנושא.

מכשיר האייפון 5S. יהפוך לארנק?

כיום משמשת פלטפורמת התשלומים של אפל בעיקר לקניות בחנויות המקוונות שלה, כגון רכישת אפליקציות, מוזיקה, סרטים וספרים; המשתמש מזין את פרטי הכרטיס האשראי שלו בעת יצירת חשבון ולאחר מכן יכול לבצע רכישות באמצעות שם וסיסמה בלבד. בנוסף, החברה מאפשרת לשלם עבור מוצרים מסוימים בחלק מהחנויות הפיזיות שלה על ידי סריקת קוד המוצר באמצעות הטלפון, אבל אינה מציעה עדיין שירות דומה בחנויות אחרות.

ענף שיגיע ל-90 מיליארד דולר

החברה חוקרת את נושא התשלומים הסלולריים במשך שנים, כאשר כבר ב-2008 היא רשמה למשל פטנט על קופון דיגיטלי – סריקת כרטיס להופעה או אירוע ספורט לטלפון. ב-2012 היא בחנה אפשרות לשחרור ארנק דיגיטלי, שנגנזה בעקבות חששות החברה כי שמה יקושר בחוויות קניה שליליות של לקוחות ובתחילת 2013 הצהיר מנכ"ל אפל טים קוק כי מדובר בענף שעדיין נמצא בחיתוליו.

מלבד גוגל, פעילות בתחום גם פייפאל, אמזון וחברות סטארט-אפ כגון Square של ג'ק דורסי או סטרייפ. כולם מתמודדים על מקום בענף – שצפוי לטפס ל-90 מיליארד דולר ב-2017, על פי נתוני חברת המחקר פורסטר. להערכת החברה, אפל יכולה להפוך לשחקנית מפתח בתחום.

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26 בינואר 2014
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Apple patent combines NFC, Bluetooth and WiFi for mobile payments

By  NFCWorld

A newly published Apple patent application uses a secure element in a mobile phone to store cardholder data, NFC to initiate a transaction and Bluetooth or WiFi to complete the processing of a transaction and return coupons and other information to the customer's device.

A "secure enclave", believed to employ the same technology used in NFC secure elements and "chip and pin" smart cards, is already included in Apple's iPhone 5S and used to store the user's fingerprint template for its recently introduced TouchID biometric verification feature. Apple has not yet included an NFC antenna in any of its devices, however.

In US patent number 20140019367, Method to send payment data through various air interfaces without compromising user data, Apple sets out a system that uses a secure element to store payment card data. This data could then be sent directly from the secure element to the merchant's POS terminal via NFC in the usual way or, alternatively, NFC could be used only to initiate a transaction.

In this case, once an initial link-up had been established via NFC, payment card data would be sent from the secure element to the application processor and then on to the POS terminal, via WiFi or Bluetooth, in an encrypted format — using an alias, cryptographic data and a shared secret known only by the secure element and a backend processor — since, as Apple explains, "the confidentiality of data sent to the application processor may be compromised, eg, by a rogue application."

A diagram shows how Apple's idea worksPATENT: A diagram shows how Apple's system works. Click to enlarge.

The advantage of this approach, the patent says, is that NFC establishes a secure link quickly and conveniently at a point of sale but:

Transactions that include sending additional data between the POS terminal and the portable device, such as additional payment information, coupon offers, coupon data, and the like, can continue for some time, during which the portable device is kept in the same location within centimetres of the POS terminal.

Holding or setting the device near the POS terminal becomes inconvenient for users, so NFC is less desirable for longer transactions such as those that involve transferring more data than used by the payment information or use more time than used in the NFC connection establishment process.

The establishment of the NFC link, which occurs quickly, is referred to herein as an initial "bump" because the devices may touch each other momentarily when the NFC connection is being established.

The system could also be used to make online purchases, Apple adds, as well as in an offline retail environment, in cooperation with a partner merchant acquirer or card network.

alfa-bank-kyivstar-2

26 בינואר 2014
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Kyivstar and Alfa-Bank launch NFC payments in the Ukraine

By  NFCWorld

Alfa-Bank and mobile network operator Kyivstar have begun testing the Ukraine's first NFC mobile payments service. The pilot is expected to lead to a full commercial rollout across the country.

The launch follows an announcement in June 2013 that Russia-based Alfa-Bank was to test NFC in both Russia and the Ukraine in partnership with Vimpelcom, Kyivstar's parent company, andMasterCard. The partners are using UpTeq NFC SIMs supplied byGemalto for the pilot.

Some 200,000 of Kyivstar's 25m subscribers are currently equipped with an NFC phone and there are an estimated 22,000 contactless payment terminals available in Ukraine.

"Kyivstar is committed to delivering an outstanding mobile payment experience," says Alexey Kireev, the carrier's head of new business development. "Our goal is to continue developing mobile finance products at Kyivstar extensively in 2014. We are glad to be working with one of the world's most trusted partners for NFC."

NFC "offers Alfa-Bank customers a trendy, ubiquitous payment method," adds Piotr Kaczmarek, director of retail business at Alfa-Bank Ukraine.

"With the booming in contactless equipment at the point of sale in the country, this is the perfect timing for mobile payment introduction," says Gemalto's Philippe Cambriel.

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2 בנובמבר 2013
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Google gets around the carriers with Host Card Emulation for NFC payments

By  NFCWorld

Android KitKat

Google has introduced support for Host Card Emulation inAndroid 4.4 KitKat, enabling any Android NFC device to be used for mobile payments and other secure applications — without needing access to a secure element.

"Android 4.4 introduces a new, open architecture for NFC payments that works with any mobile carrier, and lets apps manage your payment information in the cloud or on your device," Google says.

"Android 4.4 introduces new platform support for secure NFC-based transactions through Host Card Emulation (HCE), for payments, loyalty programs, card access, transit passes, and other custom services.

"With HCE, any app on an Android device can emulate an NFC smart card, letting users tap to initiate transactions with an app of their choice — no provisioned secure element (SE) in the device is needed. Apps can also use a new Reader Mode to act as readers for HCE cards and other NFC-based transactions.

"Android HCE emulates ISO/IEC 7816 based smart cards that use the contactless ISO/IEC 14443-4 (ISO-DEP) protocol for transmission. These cards are used by many systems today, including the existing EMVCo NFC payment infrastructure. Android uses Application Identifiers (AIDs) as defined in ISO/IEC 7816-4 as the basis for routing transactions to the correct Android applications.

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2 בנובמבר 2013
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Citibank and 3 launch NFC mobile wallet in Hong Kong

By  NFCWorld

3 Citi Wallet

Mobile network operator 3 Hong Kong and Citibank Hong Kong have launched the 3 Citi Wallet, an NFC mobile wallet solution for customers of the carrier who also have a Citibank Visa credit card.

From this month customers will be able to make mobile payments at 9,000 Visa Paywave terminals in more than 3,400 merchants in Hong Kong, as well as thousands more across the world. Users can assign up to three Citibank Visa credit cards to the mobile wallet for additional payment options.

To complete a purchase, they sign in to the 3 Citi Wallet app with a password and tap the phone to the Paywave reader at checkout. The spending limit is set at HK$1,000 (US$129) per purchase.

The service is compatible with a wide range of NFC phones from Samsung, Sony, HTC and LG. iPhone users can also access the service using an NFC sticker provided by Citibank.

The mobile wallet includes a search function that directs consumers to the best deals within their vicinity, as well as allowing them to receive location-based offers and check their transaction history. More than 230 offers from different merchants around the city — including Fortress, ParknShop, Watsons, Fusion, Taste, International, Gourmet and Supa-Depa — are available.

The wallet app requires a user-defined password to sign in, and customers can also set their own auto-logoff time and choose to get SMS alerts when purchases are made.

Customers can also set preferences for receiving merchant offers and Android users can search for merchant offers based on personal preference, location and keywords, as well as store the offers for future use.

"In a market such as Hong Kong, where the mobile subscriber penetration rate exceeds 230%, we are confident that the NFC mobile payment service will further promote the trend of 'tap and pay' spending for today's consumer," says Amy Lung, managing director of 3 Hong Kong.

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2 בנובמבר 2013
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Google Nexus 5 to support NFC host card emulation

By  NFCWorld

Google Nexus 5

Google has taken the wraps off its much-anticipated Nexus 5NFC smartphone. As the first Android 4.4 device, it will also be the first to offer support for Host Card Emulation.

The Nexus 5 is a 5-inch full HD smartphone powered by a 2.3GHz Qualcomm Snapdragon 800 and offers a 5-inch 1080p display along with NFC, Qi wireless charging, LTE, Bluetooth 4.0 and dual band WiFi 802.11a/b/g/n/ac.

The Google Nexus 5 is available from today on Google Play in the US, Canada, the UK, Australia, France, Germany, Spain, Italy, Japan and Korea, and is promised soon for India. The 16GB model starts at US$349, with a 32GB version available from $399.

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2 בנובמבר 2013
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LG unveils curved NFC phablet

By  NFCWorld

LG G Flex

LG has launched an NFC phablet with a curved 6-inch HD Oled display offering "an Imax-like experience" when watching videos in landscape mode.

The G Flex runs Android 4.2.2 Jelly Bean and features a Snapdragon 800 2.26 GHz quad-core processor, 2GB RAM and a 13 megapixel rear camera.

The G Flex will be available first in Korea with availability in other markets to be announced later.

 

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16 באוקטובר 2013
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Fitbit upgrades NFC fitness wristband

By  NFCWorld

Fitbit Force

Health and fitness monitoring specialist Fitbit has upgraded itsFitbit Flex wristband with the Fitbit Force, now featuring an OLED screen that displays the time, how many steps you've taken, calories burned and floors climbed.

As with the Fitbit Flex, NFC can be used for pairing to an Android device. Data is communicated between the Force and devices running Fitbit's analysis app via Bluetooth 4.0, and owners of Android NFC phones can start the app by tapping their device to the wristband.

The Fitbit Force also tracks how long you sleep and records periods of restlessness, and the company is working to introduce a feature that will display incoming calls from a synced smartphone on the wristband.

The battery will last for ten days between charges and the Fitbit Force is available to order now for US$130.

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16 באוקטובר 2013
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Video Feature: NFC & Mobile Money Summit highlights, day 1

Mobile World Live reports from New York on the opening day of this year’s event. Keynote highlights include China Mobile, Rogers Wireless and Visa tackling challenges in NFC growth, while Isis and MCX give a perspective from two high-profile industry joint ventures.

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16 באוקטובר 2013
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The State of the NFC Market

By Andy Maskin from ipglab.com

20131015_145758

Today in New York City, the NFC & Mobile Money Summit kicked off with many talks of interest including a panel on the state of NFC. Organized by the GSMA, the same organization behind the annual Mobile World Congress, the event featured a couple dozen exhibitors as well as an engaging conference track.

The aforementioned NFC panel was well-attended, and featured speakers from three continents discussing their thoughts on where things stand with NFC. The bottom line, not to spoil the ending of this recap, is that we are still in the very early stages of the technology. All but one of the panelists was primarily payments-focused, and there’s a fair case to be made that this is a grounded perspective. But no one could boast enormous NFC adoption and a mature state of the technology just yet.

The first speaker was J.H. Kah of SK Planet, which is a recent spinoff of South Korea’s SK Telecom. It operates its own app store and payment infrastructure. It focuses on developing capabilities for mobile credit cards, mobile debit card and mobile transportation card. That said, he did acknowledge that in order for payments to take off, NFC had to be better integrated into people’s lives. SK Planet is working hard on the engineering challenges in particular of putting the secure element for NFC payments inside carrier-issued SIM cards, such that carriers can control mobile payments.

From Norway’s Telenor, Viktoria Erngard introduced the audience to the carrier’s new Valyou platform. The Valyou platform is a contactless payments mechanism launching in Oslo this week. Telenor ultimately hopes to leverage this sort of technology worldwide to their 150 million customers. Valyou is a mobile wallet at heart, tied at launch to the major Norwegian bank DNB, with more such banks to follow in the near future. Ms. Erngard urged the audience to have patience, as customer uptake of this technology worldwide may be slower than expected.

Mikhail Damiani of Blue Bite brought a marketing perspective into the mix. His company has been involved in many NFC-powered out-of-home campaigns. They did a Samsung campaign where device users could tap a bus shelter sign to download a free song or eBook. For the latest Star Trek movie, users could tap a poster in the movie theater and download longer-form exclusive trailer. In another interesting execution, this time for Toyota, users who tapped out-of-home signage in malls could launch an HTML5-based augmented reality experience.

Blue Bite has even attempted to upgrade the advertising experience of airport security bins. NFC tap points in these bins during one campaign launched ads for the Clear security program. They also rely on what they call an “mTag”. This is a combination of an NFC sticker with a QR Code, to accommodate those comfortable with either. As a baseline, Mr. Damiani recommends that for any NFC-based campaign, the best practice is for the payoff to be relevant to the context of the ad, valuable to the user, and exclusive.

The last speaker was Maxim Sidorov from Russian MNO VimpelCom. In June 2013, VimpelCom launched a PayPass pilot in partnership with AlphaBank and MasterCard. They are also rolling out a SIM-card based pilot of a mobile solution for the Moscow Metro. Their view of the NFC ecosystem encompasses SIM cards, handsets, POS terminals and payment sources. It is a very SIM-card-based, payments-centric perspective on NFC. Mr. Sidorov directly addressed the ongoing divide between telecoms and device-makers over where to store secure payment data for NFC transactions. He advocated for the carriers to manage this via the SIM card, since they know how to drive mass scale adoption of technologies and have the power to adopt and enforce standards. He lamented that competition between these points of view could damage the whole NFC space and delay wide adoption.

During the panel discussion, everyone agreed that their programs were all early-stage and there’s no big consumer uptake yet. Even Blue Bite acknowledged that in their “mTag”-based out-of-home signage, only 30-40% of interactions were NFC rather than QR-code based.

Interestingly, considering mobile and smartphones are the focus of the event, it was 74 minutes into the 90-minute session that Apple was first mentioned. The sense on the panel was that Apple hasn’t adopted NFC yet because consumers are not yet asking for it. One theory is that as transit systems adopt contactless payments, consumer demand may rise.

And thus, in summary, the space continues to inch along. There are lots of interesting innovations brewing, but the inflection point of consumer demand for NFC has not yet arrived. That said, it is exciting to think about all the possibilities that lie ahead once adoption does begin to scale.

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16 באוקטובר 2013
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Nike Unveils Nike+ FuelBand SE and Nike+ FuelBand App Designed

Nike Unveils Nike+ FuelBand SE and Nike+ FuelBand App Designed to Inspire and Motivate Athletes at Every Level

Posted by All Things Sports

NIKE unveiled multiple innovations to its Nike+ ecosystem at an event in New York City. Nike introduced the Nike+ FuelBand SE, the newest version of the iconic Nike+ FuelBand, which seamlessly connects users with a new Nike+ FuelBand experience.

“The Nike+ Fuel Lab, along with new Nike+ FuelBand SE and Nike+ Apps significantly enhance our NikeFuel platform.”

nike-fuelband-se-02-960x640

Nike also announced the creation of Nike+ Fuel Lab, an evolution of its popular Nike+ Accelerator program and the first held in San Francisco. These innovations, along with updates to the Nike+ Running App and the recently announced Nike+ Move App, enhance the reach of NikeFuel and deliver new products and experiences designed to motivate athletes at all levels to move more.

“We continue to innovate around the Nike+ ecosystem to deliver the very best experiences for our consumers, motivating and inspiring athletes at all levels,” said Stefan Olander, Nike’s VP of Digital Sport. “The Nike+ Fuel Lab, along with new Nike+ FuelBand SE and Nike+ Apps significantly enhance our NikeFuel platform.”

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