mid-nineties, mobile only served to speak, and not always. For several years is also a small but powerful computer that allows us to connect to the Internet, see the mail, take photos or videos ... And now, operators, banks and manufacturers of smartphones are committed to become in the new universal credit card, among other things. Be used to pay in shops, to get on the subway or in the office for the tickets of cinema. In fact, everything.
In recent months there have been several pilot tests of payment by mobile. In one of them, in Sitges, last year, involving 1,500 users and 500 shops. According to the polls later 94 percent of users were satisfied with the experience. Yesterday, Telefonica and its partners (BBVA, La Caixa, Bankinter, Samsung ...) presented in Madrid the coming-out of the system. Hundreds (soon thousands) of company employees working in District C, the company's micro city in the north of Madrid, used the phone to access the building or pay for food, among other daily activities. "This is not a pilot. It is the beginning of a revolution in our life, "said company executives.
The starting line
Technology NFC (Near Field Communication) can transmit data instantly and wirelessly between a mobile and a reader located about ten centimeters. They do not serve the current phones (terminals will be needed to carry the embedded system) nor the SIM card (must be restarted). However, the process seems unstoppable. Manufacturers say that since the second half of 2011, most mobile phones on the market that come with NFC technology.
Moreover, according to statistics presented Thursday by Guillermo Ansaldo, president of Telefonica Spain, in 2014 the world will have more than 260 million handsets NFC with those who made transactions worth over 80,000 million euros. The aim of Banks and operators is to impose a standard technology. Therefore, Movistar, Vodafone and Orange recently signed an agreement open to other operators to implement the NFC system in Spain. However, there are other actors who have not yet made public their intentions.
Above all, Apple. What will the iPhone 5? Will its own payment system and closed? Google is also involved in this battle. A few days ago, "The Wall Street Journal reported that the search engine company participates with Citigroup and Mastercard a system (which also appears NFC) that will make Android phones with software in an electronic wallet. In fact, the appearance of the mobile screen will look quite a portfolio: you can choose to click on an icon only credit card that we use. As for security, Telefónica has a double pin, telephone access and one for payment over 20 euros. "Payment will be as secure as or more than now, with the cards," say the makers of the program in District C.
When the system is widespread and are in possession of a mobile NFC users must go to your bank or mobile operator to scan your credit card on the phone, and from there choose whether to activate an operation or multiple, and include a second safety pin large quantities. Also you can scan the input card to work, the bus pass ticket, the entrance to the film ... In the last Mobile World Congress in Barcelona there was a further application under development that will use electronic safe, SIM card mobile. Spend tens of familiar objects to a better life if he wins the avalanche of technology and money they put on the table manufacturers "Telcos" and banks. Everyone seems convinced that the mobile SIM card will be the heart of our digital lives. -
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