- From: Australian IT
- October 25, 2011
Commonwealth Bank will be Australia's first commercial near-field communication provider. Source: Supplied
AUSTRALIA will have its first commercial contactless mobile payment system using near-field communication (NFC) technology operating in months.
The Commonwealth Bank today said it would launch a full commercial NFC payment system built around the iPhone and Mastercard's PayPass contactless payment platform.
The "wave and go" mobile payment system has been integrated into the CBA's upcoming mobile banking application for the iPhone called Kaching which is scheduled for commercial launch in the next couple of months.
Adam Bennett, chief information officer for the bank's retail and business division, confirmed that the commercial NFC system would be available in time for Kaching's public launch.
"Kaching is currently in internal pilot so the NFC capability is live and we have a number of staff who are using that capability right now and we'll be looking to make that available to the public over the coming months," Mr Bennett said.
The new mobile banking application contains a contactless payment function that works with an NFC chip built into a casing the bank has designed for newer models of the iPhone.
The timing of the launch is roughly in line with predictions by Visa Australia in early October that negotiations between mobile carriers, banks and handset makers had reached a sufficient level of consensus to allow the establishment of a commercial service in Australia "within a few months".
CBA estimates there are currently around 42,000 NFC readers rolled out in Australian retail merchant premises. The bank also said that chip makers around the world were sitting on orders for half-a-billion NFC chips destined for handsets.
However, some question marks over the Australian retail payment ecosystem's readiness for contactless payments remained.
Woolworths has committed to rolling out contactless readers across its supermarkets, Big W department stores, Dick Smith-branded outlets, Caltex petrol stations, and its BWS, Dan Murphys, and Woolworths Liquor outlets.
However, the Coles group of retail outlets was earlier this month still equivocating on whether to follow.
The Coles Group includes its supermarket chain, 700 Coles Express-branded Shell service stations, and the Liquorland and Vintage Cellars liquor brands.
Mr Bennett said he thought penetration of readers was sufficient to make the launch viable "but clearly there are opportunities for this technology to develop and grow"
Contactless infrastructure would become pervasive over "the coming months and years".
CBA said it would make its iPhone casing available free to consumers wishing to use the NFC system as an alternative or replacement for their credit card.
In what it described as a world first in mobile banking, the CBA also revealed that Kaching would offer consumer-to-consumer mobile payments via SMS, email and Facebook.
CBA customers that register their mobile number with their bank accounts can instantly transfer money to each other using an SMS-based system.
Kaching, which has also been designed with a strong focus on tapping into consumer social networks, allows customers to make payments to individuals via their Facebook identities.
While payment processing is not conducted across Facebook infrastructure the social network's authentication service is used with CBA online "collection points" to receive payments.
The collection points allow CBA customers to make payments to customers of other banks. To pay non-CBA account holders, CBA customers send payees a code generated by the bank via whatever method they choose. In the case of payments to Facebook subscribers, recipients enter the code at the collection point and verify their identity using their Facebook login and password.
Kaching is currently only available on the iPhone however it's understood that CBA has started developing a version for Google Android-based devices.
http://www.theaustralian.com.au/australian-it/commbank-first-commercial-nfc-user-in-australia/story-e6frgakx-1226176271323
관련동영상 한국 MBC-HD
http://www.youtube.com/watch?v=DBDY7Lu0HcU
관리자주)
여러장의 신용카드가 하나로 통합되어 휴대폰으로 들어옵니다.
그 다음 단계는 종이돈을 없애는 것 일겁니다.
요즘 신세대는 돈 가지고 다니는 것 귀찮아합니다..
그리고 마지막 단계는 사람 몸안으로 들어오는 생체칩에 의한 결제입니다..
깨알만한 생체칩에는 A4사이즈 2000장 이상의 분량의 데이터를 저장할 수 있습니다.
신용카드 뿐만 아니라 신분증과 여권도 이 생체칩안에 다 들어가게 될 것입니다.
성경의 말씀을 믿는 사람이라면 이제는 정신을 똑바로 차려야 합니다.
짐승의 표가 상징이라는 소리에 속지 마세요..
계시록 13장..14장..
| (계 13:16) | 그가 모든 자 곧 작은 자나 큰 자나 부자나 가난한 자나 자유인이나 종들에게 그 오른손에나 이마에 표를 받게 하고 |
| (계 13:17) | 누구든지 이 표를 가진 자 외에는 매매를 못하게 하니 이 표는 곧 짐승의 이름이나 그 이름의 수라 |
| (계 13:18) | 지혜가 여기 있으니 총명한 자는 그 짐승의 수를 세어 보라 그것은 사람의 수니 그의 수는 육백육십육이니라 |
| (계 14:9) | ○또 다른 천사 곧 셋째가 그 뒤를 따라 큰 음성으로 이르되 만일 누구든지 짐승과 그의 우상에게 경배하고 이마에나 손에 표를 받으면 |
| (계 14:10) | 그도 하나님의 진노의 포도주를 마시리니 그 진노의 잔에 섞인 것이 없이 부은 포도주라 거룩한 천사들 앞과 어린 양 앞에서 불과 유황으로 고난을 받으리니 |
| (계 14:11) | 그 고난의 연기가 세세토록 올라가리로다 짐승과 그의 우상에게 경배하고 그의 이름 표를 받는 자는 누구든지 밤낮 쉼을 얻지 못하리라 하더라 |
| (계 14:12) | 성도들의 인내가 여기 있나니 그들은 하나님의 계명과 예수에 대한 믿음을 지키는 자니라 |
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