Contactless Smart Cards, RFID, Payment, Transit and Security

Episode 28: Expanding contactless payment acceptance

Monday, April 6, 2009

Tap and go is the idea behind contactless payments. USA Technologies aims to bring that convenience to unattended devices, such as vending and coffee machines. Regarding ID Editor Zack Martin chatted with Mike Lawlor, vice president of business development and sales at USA Technologies about the company’s latest deployments and where he sees contactless payments going.



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viaForensics revealed some interesting information about Google Wallet. While the system is generally viewed as secure it still does leave some personal data unencrypted. Regarding ID’s Gina Jordan spoke with Andrew Hoog, chief investigative officer at viaForensics, about the analysis the company did on the system. While Google made some changes to the software after the report was released, Hoog says more needs to be done. “There was a lot of information left on the device,” he says. “If somebody was trying to take over an identity, they could use this information to either pose as you or call you and act like they’re the credit card company and try to get you to release the additional information,” he adds.

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Visa Europe launched its second quarterly Contactless Barometer benchmark, studying consumer attitudes and perceptions on contactless technologies across the UK, Poland and Turkey. Research is based on the surveys of 1,700 banked individuals and in-depth panel sessions with around 500 contactless card owners per market.

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As some may recall back in June 2010, the Metropolitan Transportation Authority (MTA) of New York launched tap-and-go contactless payments for commuters to enter select subway stations and participating bus lines using MasterCard PayPass-enabled terminals. Well, the results are in.

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With near field communication on the horizon and more handsets hitting the market that include the technology, what about the mobile wallet? The software the enables the chip on the phone to perform various tasks is necessary for anything to happen in the NFC ecosystem. The Mobey Forum released a white paper that examines the mobile wallet, what it is and what it does. Gerhard Romen, member of the board of directors at the Mobey Forum and director of Mobile Financial Services at Nokia, discusses the report and why the mobile wallet is more than just payments. Romen also gives his take on Verizon’s decision not to enable Google Wallet in the new Samsung handsets in favor of its soon-to-be-released ISIS.

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Visa made waves in August when it unveiled a road map to move the U.S. to EMV and then again in January when the company said that the country’s deployment wouldn’t be chip and PIN. Stephanie Ericksen, head of Authentication Product Integration at Visa USA, talks to Regarding ID’s Gina Jordan about the move and why the U.S. will have a different solution than what other typically associate with EMV. “One thing that we’re trying to clarify is there are many countries around the world that have adopted EMV chip technology, but it’s not chip and PIN,” Ericksen says.

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MasterCard introduced a road map focused on advancing the U.S. electronic payments system. The map, which includes the path for migration from magnetic stripe to EMV technology available on chip cards, will serve as the foundation for the next generation of products and services.

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