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  • Editing Team 10:23 on July 25, 2012 Permalink | Reply
    Tags: , , , RF-SIM   

    Microsoft’s New Wallet Service with SIM-based NFC 

    Microsoft-Windows-Phone8-SIM-nfc-rfid-blogThe tech giant Microsoft has unveiled a digital wallet and SIM-based NFC to its latest operating system, Windows Phone 8.

    The new OS was unveiled at a summit in June. Joe Belfiore, who takes charge of Windows Phone product definition and design, claimed that the mobile wallet Microsoft has developed will be the most complete wallet experience on any smartphone when it launches this fall.

    Like Apple’s new Passbook app, the wallet aims to replace its counterpart by acting as a central hub where users can store their entire debit, credit and membership cars and coupons. These third party apps are integrated into the wallet through an API, which means users can do things such as check balances and collect coupons from one place.

    Unlike Apple, Microsoft is also making an NFC play to enable users to make low value contactless payments with the cards in their wallet through a tap of the handset at the point-of-sale.

    In contrast to another rival, Google, Microsoft has opted for a secure NFC SIM-based system, while Google chose to put the secure element in the device. Belfiore stated at the summit that Google’s decision has had some “unfortunate side effects”. Operators snubbed it because they want a SIM-based system that allows customers to keep it from one phone to the next.

    The launch operator partner for the Wallet, Orange, has praised Microsoft’s choice for SIM. Orange will be first to market with the full wallet service when it launches in France at fall, but all phones with the new OS will include the wallet hub whether they have the secure SIM or not, which means that customers will still be able to store third party apps.

    Belfiore also revealed that Microsoft has also been working with Isis, the US consortium of telcos that is building its own wallet, and expects to have its system on Isis at some point next year.

  • Derek Du 03:32 on July 7, 2010 Permalink | Reply
    Tags: , , , RF-SIM,   

    Nokia’ fight on hands, NFC Smart phones 

    NokiaAnssi Vanjoki, Nokia’s new executive vice president, has announced that it will incorporate NFC into all new smart phones next year. The world’s largest mobile phone maker just lowered its 2010 earnings outlook in June, and integrated its own smart phone sector and Ovi service, with a view to developing a competing smart phone against Apple and Blackberry.

    “we have a fight on our hands,” The new vice president Anssi Vanjoki wrote. “The first battle is to bring you products and services you will want to own and use, to inspire you to create and do new things in this ever-changing digital world. I’m ready to take this challenge on, and so is the entire Nokia team.”

    Maybe for Mr.Anssi Vanjoki, to incorporate NFC into smart phones would be his first battle. According to the statistics from market research firm IDC, Nokia sold 67.7 million smart phones by last year, almost double the number of RIM did (3450 million). Therefore, once a significant number of handsets have NFC then the technology will take off, and by the time Apple and others gets round to embedding NFC into their mobile device, Nokia will be a technology leader again.

    In China, Although the Chinese Ministry of Industry and Information has not decided yet a national mobile payment standard between 2.4G and 13.56MHz, but with the tendency of the three major carriers have adopted the NFC standard, market prospects became clear. Now with the Nokia’ new smart phone policy, it can be said, NFC almost won the standards battle.

  • Derek Du 01:19 on June 9, 2010 Permalink | Reply
    Tags: , , , , , RF-SIM, ,   

    Battle of RF-SIM and NFC 

    RFID-SIM-NFCRecently, China Mobile formally Suspend RF-SIM mobile phone payment project (Mobile Wallet), the project will not be restart within two years for a conservative estimate. This result is a direct contest between China Mobile and China Unionpay, the only domestic credit card organization in China, which they support RF-SIM and NFC (Near Field Communication) separately.

    RF-SIM technology led by China Mobile use 2.4 G frequencies, which is not compatible with NFC (13.56MHz frequency) use by China Unionpay. Although China Mobile has the world’s largest mobile phone user group, but It’s too hard for China Mobile’s 2.4G standard to become primary frequency wireless communication technology in Chinese market as UnionPay’s 13.56MHz technology has being widely used by the financial POS, bus, subway, gas stations and more other fields. If China Mobile continues to push 2.4G standard, it means that not only RF-SIM card need to purchase one by one, but also full replacement of POS machines across China. The costs will reach hundreds of millions dollars.

    According to the statistics of Chinese Ministry of Industry and Information, China’s mobile phone users reached 780 million in the first quarter. If 40% of Chinese mobile phone users choose the mobile payment service like in Japan and South Korea, China will have more than 300 million users to pay by mobile. Different wireless communication frequency standards will lead to redundant investment and other issues in such huge market. To solve this, the Chinese Ministry of Industry and Technology is to promote a mobile payment standard system. Although the result is unsettled, but the industry view was expressed that, with the suspension of China Mobile’s RF-SIM project, 13.56MHz NFC technology is likely to be the final winner.

    It is uncertain that who will become leader in the field of mobile payments in China, but one thing is certain, that no one can dominate the market, only to cooperate together for a bigger cake.

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