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Movistar, the largest mobile network operator in Spain, uses Gemalto’s mobile
payment solution to provide their mobile subscribers with an easy and secure
method of purchasing a broad range of products, content and services. The
payments for such purchases are made via the subscriber’s monthly telecom bill
or, in the case of pre-paid users, charged directly to the pre-paid account.
The payment service does not require any pre-registration, downloads or heavy
merchant integrations. Individual subscribers are able to quickly and easily
purchase digital content via Web, WAP, SMS and USSD, and automatically charge
their Movistar bill or prepaid account.
Through an intuitive self-care application subscribers can manage their personal
accounts, review their transaction history, and filter reports according to
date, merchant and/or reference number.
Mobicom, the largest mobile network operator in Mongolia, chose Gemalto as its
technology partner to establish an innovative PSP (Payment Service Provider) at
Mongolia. Targeting Mongolia’s largely nomadic population, not easily served by
traditional banking systems, Mobicom issued its subscribers mobile wallets
capable of representing multiple payment instruments, such as bank accounts,
prepaid (stored value) accounts, credit cards, MNO bill and more.
With mobile payment, banking services have spread out of urban areas and opened
up new opportunities nationwide for mobile money transfer, mobile commerce, bill
payment and financial management.
Israel’s leading mobile network operator strives to lead the market with a full
range of Mobile Financial Services. Cellcom chose Gemalto as its technology
provider to build the mobile payment solution, which powers m-commerce and
in-store payments, as well as cross-border money transfer for migrant
populations. The mobile wallet is accessible online and from mobile apps running
on the iOS and Android operating systems.
As part of the solution, Gemalto’s technology helps build the new ecosystem,
comprising Cellcom, its global banking partner and a local card processor.
Redeban Multicolor (RBM) is the leading financial network and financial
solution integrator in Colombia, as well as a MasterCard and Maestro Principal
Member, Processor and Acquirer.
Working with the three largest mobile operators in the country, Redeban
Multicolor uses Gemalto technology to combine mobility with best-in-class
security, providing mobile banking to 20 million subscribers in Colombia.
First launched as a SIM client, a rich mobile banking application is now being
launched by several banks. Banked and unbanked users in Colombia can check their
balance and perform bank transfers, top up airtime, make card payments, block
stolen or missing cards, and receive mini-statements.
Earlier this year, Davivienda Bank, launched a Mobile Purs e that targets the
unbanked population in Colombia. Using Gemalto’s global expertise in both the
banking and the wireless sectors, Davivienda Bank can deliver an end-to-end
secure environment while keeping a friendly and straight-forward user experience..
In 2008, Telcel, the largest mobile network operator in Mexico, decided to
become an enabler of Mobile Banking in a country of more than 110 million
people. Telcel chose to deploy the Gemalto Mobile Banking application in their
SIM cards, allowing their entire subscriber base to access associated banks. The
solution catered banks with its merits in SIM-based security, (allowing each
bank to control its own security domain, like they do in NFC), usability and
widespread reach.
Banamex, the first bank to extend Mobile Banking services with Telcel, deployed
a wide range of services to help its customers perform daily banking activities
like paying bills, making transfers, checking balance, paying credit card bills
and many others.
Many other banks followed Banamex and deployed their services within the
solution, transforming the way Mexicans can interact with their banks.
NetOne, a leading network operator in Zimbabwe, deployed
Gemalto’s MFS solution for Mobile Money Transfer, which
comprises of the server, user application, as well as system
integration services. The SIM-based OneWallet service works
on 100% of the handsets and enables all NetOne subscribers
to perform secure and convenient money transfer using their
mobile phone.
The solution’s user-friendly interface enables NetOne
subscribers to make secure and easy peer-to-peer money
transfers, pay utility bills and top-up prepaid mobile
accounts. Cash merchants (or “Agents”) allow customers to
perform cash in/out transactions, as well as airtime top-up.
Expanding the possibilities of Mobile Money Transfer,
OneWallet also enables NetOne’s customers to have their
salaries paid directly onto their phones – an innovative
feature that greatly empowers the unbanked with a secure and
convenient digital wallet solution.
NetOne also intends to work with the Government of Zimbabwe
and Pension Fund schemes to allow the OneWallet to be used
for pension payments and thus remove the need for traveling
long distances to collect pension payments..
MTN MENA is part of the MTN Group, which serves over 100 million subscribers in
Africa and the Middle East, including 30 million in the latter region. Gemalto
worked in close cooperation with Fundamo, a leading mobile financial services
provider, to jointly supply the complete solution for the MTN MobileMoney
service.
The MTN MobileMoney service will enable MTN MENA to offer their subscribers a
wide variety of financial services including money transfer, mobile payment and
balance checking, mobile purchases, as well as the ability to buy airtime in
real-time. MTN MobileMoney’s user friendly interface makes it simple and
convenient for subscribers to enjoy financial services featuring simple menus
and multiple language options, including English and a number of local languages.
Read more...
The first commercial deployment of NFC services in Europe started in May 2010 in
France. Since then, mobile network operators, banks, transport operators and
retailers haven’t stopped enriching the range of available NFC services allowing
consumers to pay, commute and redeem coupons simply by waving their phone on NFC
terminals.
Gemalto is playing a key role in this project by providing TSM solutions and
services that allow MNOs and service providers such as banks to securely
download and install NFC applications onto their customers’ mobile phones.
