Today the mobile world congress (MWC) in Barcelona, handset Manufacturer Samsung and Visa announced joint efforts to bring mobile payment using NFC onto the customer’s mobile phone. Therefore Samsung provides APIs on the device for Post Issuing Personalization as well as Visa a new Mobile Provisioning Service for service providers. The first device, which support for these exciting features is the upcoming Samsung Galaxy S IV, which will be announced on March 14th, 2013.
„The difference with in the new NFC integration is that banks and others launching mobile payment services will, via a set of APIs, use Visa’s new Mobile Provisioning Service to securely download payment account information to NFC-enabled Samsung devices. On top of that, Samsung will preload Visa’s payWave applet on its NFC-equipped mobile devices. In short, it will mean a less frictionless, but still secure, way of using your (Samsung) handset.“ Gajda, Visa’s global head of mobile product mentioned.
Thist statement sound like, Visa is providing a kind of super TSM for banks, excluding the MNOs from the ecosystem. On the other handset Samsung offers APIs for Post Issuing Personalization (PIP) that is usually integrated into the Wallet of the MNOs or Banks.
In case this plan flys, it is definitlty a big leap head to bring mobile payment based on NFC into today’s handset.
