2012: the year of payment without contact in Europe?

The OJ in London could mark the great started the NFC on the old continent. Because for the moment, except a few local experiments, the "no contact" via mobile is developed.


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The NFC is not yet implemented in our country. On the one hand, few smartphones are already equipped a NFC chip (while the SIM could fulfil this role in the future). On the other hand, the proposed around services are virtually non-existent, other in some cities-test where the NFC deployment began, but at the experimental level.


Therefore, the time has not yet come where it will validate his title of transport with his mobile, which will also be used to pay the note in the restaurant, in the Baker, etc., and will validate his ticket of cinema. And when one asks his banker if the bank account is put, often, he does even not know technology. There is therefore a real lack of information about the NFC for the moment.


Is that Google believes and account install its called Google Wallet - contactless payment system that already works at the United States in Europe. The Mountain View giant would begin by Britain, to cover the 2012 Olympics in London. Google said that from his point of view, it is very simple since it is sufficient just to install the free application Google Wallet and spend his mobile on a compatible Terminal (French Ingenico is partner). It is to ignore the actual deployment of the offer, and even if the site of the OJ is rife with compatible terminals, this will not be enough to launch the technology on the market. Google has yet full of ideas, as coupling the NFC with Google Offers to propose reductions and good plans in different business partners. It is even possible to directly manage its loyalty cards with the application, imagined as an electronic portfolio.


In France, Orange opposes Google Wallet by proposing its own NFC system. Its services without contact Director, Vincent Barnaud, directly attack the principle of operation of the system of Google. For him, the system is closed and manages transactions from end to end. Even if it is free, it saves each user consumption habits and can then sell them to companies wishing to know these consumption trends. With Orange, therefore advocates the confidentiality of data, directly prohibiting any operator or partner access to the data of the customers using the system of the historic operator. The remuneration of service contracts associated with payment terminals, in part.


Finally, PayPal, another great actor of the payment on the Internet, indicates that it expects that technology is implemented for trade to be open. For the moment, the company sought rather in another direction, with for example, a payment by SMS for vending machines or by a bank card reader still connected to the mobile phone. It thus appears that the war of the NFC is only beginning.

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