How Secure Are NFC Mobile Payments?
While NFC is a driving force behind the evolution of mobile payments, for many security remains a big point of concern. Consumers want to ensure their data - and their money - is safe. Merchants want their systems and customers protected. The same goes for banks...
What is HCE?
Host Card Emulation (HCE) is a technology that allows for the replication of a physical, contactless smart card using software. In the context of mobile payments, it is used to complete transactions via near field communication (NFC). Anybody who has used a contactless credit card (Visa...
Apple Makes NFC ‘Cool’ Again
We all saw this coming. Apple needed to get on board with mobile payments and they have in a big way. Apple introduced “Apple Pay” making NFC cool again. What does this mean exactly? Apple Pay will allow the user to pay using contactless payment technology known...
Mobile Payment Transactions: BLE or NFC?
The mobile payments and retail industries have been buzzing on the debate of which data transfer technology is best suited to carry out mobile transactions: BLE or NFC. On one side, companies such as PayPal and Apple are promoting BLE beacons to carry out contactless...
The Future of Mobile Payments in Canada
The mobile payment industry has been evolving rapidly as of late. Google introduced host card emulation (HCE) in Android 4.4, Visa and MasterCard officially threw their support behind HCE last month and most recently, EMVCo released their framework for tokenization. What this means for mobile payments is standards...
Visa and MasterCard Officially Embrace Mobile Payments
Mobile payments could be ready to take off! This week Visa and MasterCard announced they would support host card emulation (HCE). By supporting HCE, they side stepped mobile payment barriers like the “Secure Element” and effectively simplified the mobile ecosystem. What is Secure Element? Traditionally, NFC transactions were...
Clearbridge Mobile and Tim Hortons: First to Tap & Pay With NFC
At Clearbridge Mobile, we create immersive mobile experiences across all platforms for clients across many industries. Our world-class team of developers and mobile strategists evaluate, design and implement solutions using a broad range of technologies to ensure our clients remain atop of mobile trends. This article...
What is Closed Loop Mobile Payments and Why Do You Need it Now?
What is Closed Loop Payment? Closed loop payments allow consumers to load money into a spending account that is linked to a payment device such as a gift card for a specific company (and only that company). Mobile closed loop payment applications are now enabling consumers...
Tap & Pay Becoming a Mass-Market Reality with Android 4.4
The launch of Android OS 4.4 (code named KitKat) has opened up a plethora of new ways to use mobile devices. One of the new features that has Clearbridge really excited is Google opening up the Near Field Communication (NFC) capabilities. Now, secure NFC transactions...
Congrats to Tim Hortons and the Clearbridge Mobile Teams – A Mobile Payment First
On Monday, Tim Hortons launched their brand new BlackBerry 10 app. With the app, the iconic Canadian brand leaped head first into mobile payments. Simply, it allows users to “Pay with just a Tap” for their favorite morning coffee. It’s the first mobile payments app – in...