Norwegian NFC payment project


Leading Norwegian financial services provider DnB NOR and the world’s sixth largest mobile operator Telenor have launched a trial of a new mobile payment solution. The project, called Tap2Pay, is based on NFC technology and utilizes infrastructure provided by Giesecke & Devrient (G&D).

Other companies involved in the project include MasterCard, provider of the MOTAPS system and the PayPass payment product, as well as Nets, one of Northern Europe’s biggest providers of payment solutions. The pilot trial in Oslo is aimed at collecting feedback from consumers and store owners about making contactless payments using mobile phones.

‘The Oslo test is one of the first in Scandinavia and will be an important milestone towards our use of mobile phones as wallets. We are certain that contactless payment via mobile will become extremely widespread, because we all take our mobiles everywhere we go, and because it’s a secure and easy way to pay,’ says Jon Fredrik Baksaas, CEO in Telenor.

The trial – in which 250 consumers have been provided with Samsung S5230 mobile phones equipped with NFC short-range wireless technology and a SIM card containing a G&D payment application – is being carried out in the Oslo district of Majorstua. Kaffebrenneriet coffee bars, outlets of the Vita cosmetics chain and Deli de Luca Group restaurants have all been equipped with the new payment terminals.

The mobile phones are equipped with G&D’s ProxSIM Taurus SIM card, a 3G/GSM mini SIM card which supports NFC technology and offers special security features. The payment application, personalization of card credentials, and updates are loaded onto the SIM cards over the air (OTA) via the mobile network. For this pilot trial, G&D is installing the PayPass payment application on the NFC-compatible SIM cards using its secure Trusted Service Manager (TSM) service. G&D’s TSM is connected with MasterCard Mobile Over-The-Air Provisioning Service (MOTAPS).

‘One of DnB NOR’s ambitions is to lead the way in the development of digital bank services. If we are to succeed in a market in which more and more services are being integrated into mobile phones, we need to have a good, innovative partner like Telenor. The test will show how we can work together to bring the payment systems of the future to Norway,’ says Rune Bjerke, CEO of DnB NOR.