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Posts tagged with “mastercard”

Starbucks rocking the mobile world with over 70 million mobile transactions

Thursday, 31 January, 2013

The Starbucks Coffee Company has become an architect of great commercial success with their entry to mobile applications world eighteen months ago. As of late last year they can now boast in having over 70 million payments through their mobile application, which is an amazing feat for any company mobile presence.
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Unlike many other merchants who use a third party payment processing application the Starbucks application was launched with a built-in payment service. That is set to change, as Square and Apple’s Passbook are now going to be well unified to the Starbucks brand, the former through a directory link to Starbucks and the latter will be integrated to iPod Touch or iPhone via Passbook software. These are very exciting developments; the future holds much innovation and further mobile presence for Starbucks.new balance m1500

Mobile app assisting those with visual disabilities

Friday, 28 September, 2012

A mobile application published by the nonprofit group Horizons for the Blind is offering solutions to the visually-impaired by increasing their autonomy when shopping at stores. Horizons for the Blind have been working on the app, called DirectionsForMe, with consumer package goods group Gladson with the intention of aiding those who have trouble with vision and the challenges they face as consumers. Camille Cafferlli is the founder of Horizons for the Blind and briefly took time to explain the initiative:

“DirectionsForMe provides a platform of independence … it allows you to put in a product name, and then you get all the directions, the warnings, the ingredients and anything else that would be on the package…”

The app will also be a benefit to seniors who may have trouble making out important information among the complicated packaging we see nowadays, as well as the small print in the case of ingredient listing. A user of DirectionsForMe will experience three functionalities once the product is scanned whereby information is presented through 1) A voice reading out the information 2) a portable braille reader and 3) augmented text size on a smartphone.
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It’s good to see mobile technology being used as a tool to empower the disadvantaged instead of only as a marketing channel. Hopefully DirectionsForMe meets a lot of success and inspires other like-minded applications.

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Everything Everywhere and MasterCard team up

Friday, 7 September, 2012

MasterCard’s deal with T-Mobile and Orange has come to an end. A new 5 year deal between MasterCard and Everything Everywhere has been forged. Their plan is to develop a person to person payment system close in comparison to Pingit.  This is not good news to rival networks O2 and Vodafone, who are also working together to build out a unified mobile payment service called Project Oscar, which would have standardized the system across the nation. Vodafone is currently partnered with Visa and O2 is attempting to establish their own system. It will be interesting to see just how this all pans out in the grand scheme of things. Stay tuned.
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“Digital Wallets” change how payments are made and consumer information is protected

Friday, 24 February, 2012

EVOCANADA_evo_canada_merchant_service_accountAs major credit card companies Visa and MasterCard continue to develop and deploy mobile payment applications for smartphones equipped with NFC technology, payment processing between merchants and consumers will continue to evolve.

Many traditional brick and mortar retailers may not necessarily see the need to update their current POS terminals to accept mobile payments, as this emerging technology seems more suited to e-commerce. That said, the idea behind the “digital wallet” as a payment method may dramatically shift how sensitive client information is handled during a transaction.

Consumers are increasingly concerned with identity theft and likewise merchants worry about being sued for information leaks in their POS systems. Mobile payment applications change this very dynamic by giving the ability to consumers to keep all important payment information contained in their “digital wallet,” linking only to their respective banking institutions and cloud data management service, the two safest places to store this information.

Digital wallets will effectively turn the mobile payment enabled smartphone into a Personal Point of Sale (PPoS) device, which includes all the current features and capabilities of a standard retail POS terminal but with added levels of information security and less transfer of info between payment terminals.

Initially set-up for online shopping cart transactions, these new mobile payment applications will no longer require consumers to give out sensitive payment information during the checkout process, rather a transaction number will be pasted into the PPoS. This new PPoS system gives consumers the added ability to keep control over sensitive payment information and merchants no longer need to handle sensitive information and keep it secure.

Online merchants will also benefit from the added element of the mobile payment transaction being considered a “card-present” sale, reducing discount rates, limiting charge-back incidents and decreasing opportunities for fraudulent payment activity.

Mastercard’s PayPass Wallet Services launched to banks, merchants and partners

Wednesday, 8 February, 2012

Mastercard targeting banks, merchants and payment partners, recently launched PayPass Wallet Services. This all-encompassing service includes other Mastercard PayPass features such as PayPass Online, PayPass Contactless (NFC), PayPass Wallet and the Pay Pass API.

The PayPass Acceptance Network includes both the online component and contactless NFC component, which allows merchants to accept and process payments both in-store through NFC technology or online via the web through various capable smart devices.
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Going beyond a simple POS, the PayPass Wallet Services extend to white-label wallet opportunities for banks, merchants and partners while allowing end-consumers to house payment and shipping information for purchases all in one place.

Launching initially in Q3 of 2012, the service will be available in the US, Canada, UK and Australia to start, with further global expansion planned. The system will remain open and allow banks, merchants, partners and end-consumers to use the wallet alongside other credit and debit card services from Discover, American Express, Visa and other branded companies.