Visa launches microSD-based contactless m-payments


Visa Europe is launching a microSD-based mobile payment systems in Turkey with its technology partner, DeviceFidelity, and Akbank, a retail bank.

The project is intended to demonstrate how the microSD memory card slot can bring m-payments solutions to more consumers, as NFC’s progress has been slower than expected. Akbank customers will be able to use ordinary mobile devices to make contactless payments through the combination of DeviceFidelity’s In2Pay microSD technology and Visa’s contactless technology.

The project will start with a number of BlackBerry handsets popular with Akbank’s customer base and will expand over time to include an array of devices from manufacturers including HTC, Samsung, LG, Nokia and Motorola. In addition to offering m-payments , the In2Pay microSD will also continue to offer digital storage, allowing users to take advantage of memory expansion for music, video and photographs.

Mary Carol Harris, Head of Mobile, Visa Europe says, “One of the key challenges to the success of m-payments is the supply and availability of NFC handsets. Until a majority of mobile handsets offered in the market are supplied with integrated NFC, Visa is working with innovators like DeviceFidelity and pioneers such as Akbank to harness the potential of new technologies. These solutions make the future of payment real today and are key to accelerating mobile payments in Turkey and across Europe.”

The DeviceFidelity In2Pay solution is based on an industry standard Secure Element that is EMV and Global Platform compliant, supports Javacard and MiFare and comes with Open Platform architecture for integration with Trusted Service Managers (TSM) and wallet developers.

The In2Pay microSD can also be personalised in high volume by smart card personalisation bureaux using bank approved secure processes. DeviceFidelity has already started licensing the In2Pay application program interface to several European TSM providers, and banking software developers, with the intent to roll out creative new mobile commerce applications.