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Agile Computing Authors: Elizabeth White, Liz McMillan, Harry Trott, Yeshim Deniz, Pat Romanski

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MasterCard et ING lancent un essai de paiement EMV sur Internet

MasterCard et ING Group ont annoncé aujourd'hui un essai conjoint en cours aux Pays-Bas qui démontre une nouvelle méthode de paiement en ligne à l'aide de téléphones mobiles. L'essai étend la fonctionnalité de l'application Mobile MasterCard® PayPass™, qui est déjà utilisée pour prendre en charge des paiements sans contact au point de vente, afin de fournir une expérience de paiement hautement sécurisée et conviviale chez les commerçants en ligne. Grâce à l'élément sécurisé sur l'appareil mobile, un niveau comparable de sécurité est possible, qu'il s'agisse d'un achat en magasin ou en ligne.

La solution testée lors de l'essai prend en charge deux cas de figure : premièrement, les achats et paiements sur un téléphone où le consommateur est capable de sélectionner les marchandises qu'il souhaite acheter, de sélectionner sa méthode de paiement, de fournir ses informations d'expédition et de saisir son NIP pour authentifier la transaction. Un cryptogramme conforme à la norme EMV est fourni par le téléphone directement sur le portail de paiement du commerçant pour y être traité. Dans le deuxième cas de figure, le consommateur est capable de démarrer ses achats sur une ordinateur ou une tablette, puis d'accomplir l'étape de paiement sur son téléphone à l'aide d'un code QR sûr qui relie en toute sécurité l'application Mobile PayPass dans le téléphone de l'utilisateur au panier d'achat sur le site du commerçant en ligne.

Dans les deux cas, il est possible d'appliquer des coupons et bons d'achat en temps réel tandis que le consommateur fait des achats et des reçus électroniques sont présentés après la réussite du paiement. L'essai promet de fournir une expérience d'utilisateur similaire dans les mondes physique et virtuel et un niveau de sécurité comparable à une transaction EMV classique.

« Ce produit de paiement mobile innovant permet à ING d'offrir à nos clients une expérience d'achat en un seul clic. L'essai nous aide à découvrir le nouveau type de produits et technologies de paiements mobiles qui répond aux besoins de nos clients », a déclaré Mark Buitenhek, Responsable de la gestion des paiements et espèces à l'échelle internationale chez ING Group. « Notre collaboration avec MasterCard lors de cet essai correspond à notre stratégie de paiements internationaux pour introduire des produits de paiements standardisés et acceptés à l'échelle internationale qui offrent un haut niveau de sécurité et de praticité ».

L'industrie des paiements a commencé à voir un changement substantiel des achats en ligne depuis les ordinateurs traditionnels aux téléphones intelligents et tablettes. Selon la société d'étude de marché Gartner Inc., rien que dans l'espace mobile, les transactions de paiements à l'échelle international, qui s'élèvent à 172 milliards de $ cette année, sont prévues augmenter jusqu'à environ 600 milliards de $ d'ici à 2016. Les consommateurs continueront de faire leurs achats et de payer de la façon quelle qu'elle soit qui convient le mieux à leurs besoins et leur mode de vie – avec un simple appui, clic ou toucher du doigt – en magasin, en ligne ou sur un appareil mobile. Dans le même temps, les commerçants souhaitent se concentrer pour offrir la meilleure expérience possible aux consommateurs – quels que soient le lieu ou la méthode choisis par le consommateur pour effectuer ses achats.

« En tant que société leader dans la transformation mondiale de la technologie de paiement numérique, nous continuons à travailler avec des partenaires innovants comme ING pour développer et tester des solutions qui traitent et améliorent les méthodes par lesquelles les consommateurs peuvent payer pour des marchandises et des services – à la fois aujourd'hui et demain », a déclaré Jorn Lambert, Chef du groupe, paiements émergents, pour l'Europe chez MasterCard Worldwide. « Cet essai s'inspire de nos services de portefeuille PayPass récemment annoncés et de notre vision d'offre aux consommateurs et commerçants d'une expérience de paiements sûre et convergente en magasin, en ligne et sur un appareil mobile ».

L'essai, qui a démarré mi-octobre, se poursuivra jusqu'à la fin du premier trimestre de 2013.

À propos de MasterCard Worldwide

MasterCard (NYSE : MA), www.mastercard.com, est une société internationale de paiements et technologie. Elle exploite le réseau de traitement de paiements le plus rapide au monde, reliant les consommateurs, les institutions financières, les commerçants, les gouvernements et les entreprises dans plus de 210 pays et territoires. Les produits et solutions de MasterCard facilitent les activités commerciales au quotidien – comme les achats, les voyages, la conduite d'une entreprise et la gestion des finances – et les rendent plus sûres et plus efficaces pour tout le monde. Suivez-nous sur Twitter @MasterCardNews, joignez-vous à la discussion sur le blogue Cashless Conversations Blog et abonnez-vous pour recevoir les dernières nouvelles.

À propos d'ING Group

ING est une institution financière internationale d'origine néerlandaise, qui offre des services bancaires, d'investissements, d'assurance vie et de retraite pour répondre aux besoins d'une vaste base de clients. Désormais, nous nous concentrerons sur notre position de banque de détail, directe et commerciale, tout en créant une base optimale pour un avenir indépendant de nos activités de gestion d'assurance et d'investissement

Le texte du communiqué issu d’une traduction ne doit d’aucune manière être considéré comme officiel. La seule version du communiqué qui fasse foi est celle du communiqué dans sa langue d’origine. La traduction devra toujours être confrontée au texte source, qui fera jurisprudence.

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