Using Nokia Lumia 610 NFC to Cashless Payment

Nokia-Lumia610-MasterCard-PayPass-nfc-rfid-blogNokia had announced the new Lumia 610 NFC, which means that you can simply choose what you want to buy, tap – and go.

If you live in Europe or North America, you might already be familiar with PayPass terminals in shops and food stores. You can use your Nokia Lumia 610 instead of your credit card and bank cards.

The phone has a built-in NFC chip and new antenna. The signal from the POS terminal is sent to a secure element on the phone – usually a SIM chip – which hosts the PayPass application – and which generates data back to the POS terminal.

The MasterCard certification process checks the performance of the phone hardware to ensure that the speed of the transaction is fast enough, and the read range – so that the signal can be read at a specific distance from the terminal.

But if you’re out and about using your phone for payments, you may not care how the technology is put together and certified. You just want to know how to use it, and if it’s secure.

James Anderson of MasterCard explains that customers will go through their bank to set-up their credit card on their phone. A bank must use only certified devices to run PayPass, like the Nokia Lumia 610 NFC. Once you’ve set your card up, you just touch your phone near the PayPass terminal, and go.

“Whenever you’re dealing with money, people will have concerns about security,” Anderson says, “but we are a trusted brand and we have built our security from the ground up, using the secure element in the phone, to ensure that PayPass is safe, secure and simple.”

Customers get the same benefits and liability guarantees as if they were using a card. Once they have a good user experience, their concerns about security rapidly diminish, he added.

Possibly all you need to know is that with more than 425,000 PayPass terminals in over 40 countries – using your Nokia Lumia 610 NFC certified for PayPass by MasterCard should make life easier, faster and more fluid.

People find NFC technology interesting when they can use it for something essential like payment—That’s when features like this come to life.