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NFC Based Payment in India - Courtesy Tata Docomo

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As we've been expecting from the world leader in NFC based payment, Docomo to launch such service in India, Docomo doesn't disappoint us.

Here's the breaking news.

Tata DoCoMo will trail NFC based payment service in Hyderabad

Indian telecom operator Tata DoCoMo in partnership with XIUS will trial Near Field Communications (NFC) based mobile payments in Hyderabad.

Initially, operator based services like mobile phone top-up as well as content like ringtones and wallpapers will be on offer.

Tata DoCoMo will use the NFC based payments to increase its retail points of presence and expand the availability of services to coffee shops and most interestingly, through self-service Active Posters.

Active Posters are paper-thin-self-service terminals with glass touch sensing, enabling as many as 18 retail touch points at any customer gathering point.

source :: http://wirelessfederation.com/news/35774-tata-docomo-will-trail-nfc-based-payment-service-in-hyderabad-india/

I think TATA Docomo has got semi-closed wallet license which is needed for this service from RBI.

Let us hope this trial succeeds and transforms India's retail payment to a show-go affair.

It has potential to make coins redundant over the time.

Hopefully, phone manufacturers will help in making low priced NFC handsets for price sensitive Indian market.

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:previous:

Yes, There are a couple of NFC supported handsets from Nokia also and one of them is sub-10k at launch...

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Can NFC make mobile wallet a reality?

Near Field Communication (NFC), which is expected to revolutionise mobile wallet, faces many challenges. Though only in the short term.

NFC is a short range wireless communication technology which allows communication between two devices up to 20 cm apart. NFC needs chips, software and an OS platform such as Android to operate.

Franco Bernabe, the chairman of GSMA had said in a press statement that NFC will not only enable mobile payments but also services and applications such as mobile ticketing, mobile coupons, and access to cars, homes and hotels.

For the layman, NFC chips, when installed in a handset, enable a user to shop as he does with credit or debit cards. Also, it allows retailers to deliver an app related to their business directly to mobile phones.

Users may not come across a lot of NFC opportunities right now as retailers will need to install expensive readers to enable the services, which they may be averse to doing as long as buyers prefer paying through credit or debit cards and cash.

NFC has three essential uses. One, it performs a credit card's functions and copies its security aspects very well. Users just have to bring two NFC supporting devices near each other and the transaction is complete.

Another use of NFC is in peer-to-peer communication. If two phones are brought close to each other, they can communicate. It is different from Bluetooth because with NFC there is no need to pair devices to each other.

Even though some buyers are not entirely comfortable with the idea of paying with their mobile phones, the slew of news reports and announcements made at the recently held Mobile World Congress (MWC) 2011 in Barcelona indicate that NFC is being adopted by smartphone makers with great speed, and this may make NFC mainstream very soon.

NFC can also be used by retailers to deliver apps related to their business directly to mobile phones. Once an app has been noticed, retailers may benefit from continuous association with users.

Also at the GSMA Mobile World Congress, where NFC was a dominant theme, handset vendors such as Nokia, Samsung, RIM and Motorola said they will ship large volumes of smartphones this year to support NFC. Apple is also rumoured to be working on an NFC-enabled iPhone.

source :: http://www.themobileindian.com/news/693_Can-NFC-make-mobile-wallet-a-reality

With Docomo backing, I'm 100% convinced NFC based payment will become reality in India.

Cheers to Docomo for this trial in Hyderabad.

:cheer: :cheer: :cheer:

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Here is more information on TATA Docomo's NFC based payment service.

Consumers can access up to eighteen different services from each self-serve kiosk to top up airtime, pay bills, download ringtones and more.

Tata Docomo has signed an agreement with US-based Xius that will see the mobile network operator testing Xius' Mobile Touch Transaction (MTT) solution in the city of Hyderabad, India.

The self-service MTT terminals, which Xius calls active posters (APs), allow customers to pay bills, to top up their prepaid talk time account, to download ringtones and wallpaper and perform a number of other value-added services using NFC.

The active posters are designed to act as virtual malls, enabling as many as eighteen different services to be offered at any customer gathering point.

To use the service, customers simply touch their NFC phone — or an NFC-compatible contactless or RFID sticker or card — to the 'start/confirm' area in the mid-left position on the active poster. This prompts the built-in smartphone sized display, located above the start/confirm area and shown carrying a Xius advert in the diagram, to begin showing a set of instructions.

The customer can then choose which of the services on offer he wishes to access by touching the red circles located in the central area of the active poster. He then confirms the transaction by touching his device to the start/confirm 'button' a second time.

In the current version, the service options and the advertisements shown across the bottom of the poster are delivered via a printed sheet of paper that sits behind a clear plastic protector and on top of embedded electronic circuitry that includes a link to the operator's back office systems in order to process and activate requested services.

The active poster measures only 1.5 inches (less than 4cm) thick and can be built into a variety of display equipment including kiosks, Jim Hunt, VP of marketing at Xius, has told NFC World. And future versions are set to make use of e-paper rather than a printed sheet, Hunt explained, so that both the services on offer and the advertisements displayed to users can be changed dynamically as required by the operator of the MTT terminal.

"The MTT solution addresses the mobile operator's desire to increase its retail points of presence, provide self-service to more non-traditional top-up and other value-added service points (coffee shops, etc)," says Xius.

"As well, the solution provides the mobile operator with the security and controls expected of a carrier-grade solution while integrating to billing systems as well as multiple value-added service platforms, ensuring delivery of purchased product as well as the receipt of payment for the same," the company adds. "The solution is an innovative end-to-end purchase, delivery, and payment solution — all in one."

Further trials are on their way, Hunt told NFC World: "We are scheduling multiple trials with multiple customers," he explained.

source :: http://www.nearfieldcommunicationsworld.com/2011/02/22/36128/tata-docomo-to-test-nfc-self-service-kiosks-in-hyderabad/

Looks really interesting and exciting.... :GirandoOjos: :GirandoOjos:

Request Hyderabad based members to share real world experience on NFC based payment.

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TATA docomo starting NFC is a good idea but what can be the challenges and opportunities that this new technology can introduce for TATA docomo.

Is there anyone who can help me out in this discussion ?.

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