Atos Worldline has released a near field communication (NFC) mobile payment application for card issuers worldwide, which complies with the latest specifications from the key players in Visa and MasterCard. Users can pay at an expanding number of global contactless payment locations, simply by downloading the app and swiping their mobile smartphone against the payment terminal and keying their PIN code directly on their phone.
The ‘turn-key’ mobile wallet is built on an architecture that combines a mobile application and cloud-based services, says Atos, enabling the wallet to offer multiple, differentiating value-added services, such as cloud-based payments and NFC transactional services in shops, on transport systems and so forth.
According to Christophe Duquenne, chief executive at Atos Worldline, the firm is focused on fostering and encouraging innovation, although the launch joins many other mobile wallets that are currently battling for business in this emergent market segment. “The Atos mobile wallet is an example of a product leveraging our unique combined expertise in both payment and mobile services,” said Duquenne, who went on to day: “It shows our commitment as business technologists to enable the mobile payment revolution, by using the latest technology to the benefit of our customers and the end-users.”
The key claimed benefits and features of the new Atos m-wallet launch include:
• Straightforward integration with payment platforms to provide easy enrolment, payment history, online card and account details. This is enabled thanks to a mobile gateway offered as a service with the application.
• Added-value services can be accommodated, such as authentication tools, sales coupons, loyalty points, links to cloud wallet and peer-to-peer (P2P) payment options, and so forth. All of which Atos says can be implemented to match the card issuer’s strategy.
• The design is easily branded to the colours and logo of the issuer, thus enabling a typical ‘white labelling’ short time-to-market, and designs can be personalised further for stronger differentiation.
The new m-wallet service can be offered alone, or combined with Atos’ Trusted Service Management (TSM) offerings and other services.
By Neil Ainger