Europay International and MasterCard International introduced the next
generation of m-payment solutions, by implementing a PIN-based, EMV chip card
transaction using a mobile phone. This was made possible by using a
EurocardÂ®-MasterCardÂ® card and a Motorola Timeport GSM.
This multi-channel, m-payment transaction will be demonstrated at the Motorola
and Oberthur Card Systems stands at the GSM World Congress in Cannes, France
(20-23 February). It is expected that this new method of secure, online
shopping will be rolled-out later this year.
MotorolaÂs Timeport model of its tri-band, dual slot GSM is now able to accept
Eurocard-MasterCard M/Chip LiteÂ cards. Europay and MasterCard developed the
specification and Europay has upgraded its online test merchant site ÂEuropay
ShopÂ (htttp\shop.europay.com) to support these mobile EMV payment
transactions. Oberthur developed the card applications, including the SIM
application for mobile phones.
CrÃ©dit Mutuel will issue the first EMV smart cards in France in late 2001.
France Telecom Mobiles has upgraded its mobile payment solution (launched in
June 2000) and is providing the GSM infrastructure. It has also developed the
gateway for the demonstration transactions. In the near future, its customers
will be able to conduct payment transactions with both French and international
France has been a leader in developing first generation smart cards, and was
the first country to establish a national chip conversion programme, thereby
helping to reduce card fraud. In this significant move, CrÃ©dit Mutuel and
France Telecom Mobiles demonstrate their ability to provide consumers with the
latest innovations and initiate the move to global interoperability based on
EMV smart cards. This expands consumer use of the new generation of payment
cards beyond the physical world and into the global, borderless, virtual world.
ÂEuropay, and its strategic partner MasterCard, are delighted to demonstrate
this innovation at the GSM World Congress,Â said Olivier Denis, Product
Manager, Mobile Commerce at Europay International. ÂThis project illustrates
the true benefits of EMV-chip cards as the key to a whole range of new retail
channels and brings us even closer to enabling Eurocard-MasterCard and MaestroÂ®
cardholders to shop anytime, anywhere in this new secure e-commerce
environment,Â he added.
ÂThis move further emphasises a high level of confidence in EMV-chip beyond the
physical world,Â said Pascal Dufour, Senior Manager, New Products Introduction
at Europay International. ÂWe expect continued growth over the next few years
in the use of EMV-chip technology to secure payments over the Internet and
mobile channels,Â he concluded.
ÂCrÃ©dit Mutuel believes that one of the best ways to distinguish itself in the
French marketplace is to give our customers the highest level of convenience in
their daily lives,Â said Claude Brun, CrÃ©dit Mutuel. ÂWe are now beginning to
deliver the full potential of smart card technology to our customers, wherever
they are in the world,Â he explained.
ÂWe believe that EMV is an excellent standard to enable France Telecom Mobiles
to develop its mobile commerce services to all its subsidiaries across the
world,” said Guy Lafarge, Marketing Director, France Telecom Mobiles.
Ed Sadowski, General Manager of Internet Software & Content Group, Motorola
EMEA, said ÂWe are delighted to contribute to the first EMV implementation of
a tri-band, WAP-enabled Motorola mobile phone. We see this partnership as key
to Motorola’s commitment to standardise mobile commerce. The introduction of
this new service turns the mobile phone into a Âmobile Internet access and
payment deviceÂ,Â he added.
Stephane Mousse, Head of Marketing for Mobile Communications at Oberthur Card
Systems commented, ÂOberthur has long championed the migration towards
EMV-compliance in the physical world and we are delighted to be at the heart of
this latest step facilitating EMV-based mobile commerce. This ongoing
collaboration truly demonstrates the capability of the smart card for payments
in the virtual world and brings secure mobile services to consumersÂ