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聽力萬花筒 第415期:蘋果iPhone支付系統獲Visa和萬事達支持

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Visa joins Apple to make iWallet
Jeremy Nicholds, Exec. Director of Mobile VISA Europe, discuses a new partnership between Apple & credit card companies.


R: This is Jeremy Nicholds, the Exec. Director of Mobile VISA Europe. Jeremy, you are part of the Apple pay system, or you will be, I believe, part of the Apple pay system, correct?
J: That's right, Richard. Yes, we've been working with Apple to, urm, and with a counterpart in the States, and the VISA in the state, to bring this new solution into market. So we're very excited about it. We see it a major step for mobile payment.
R: Now if I lose my card, I mean except in the United States which seems to be anybody can use it anywhere or anytime, but obviously in Europe and large part of the rest of the world, which is slightly more sensible with chip and pin. It's pretty much useless for vast number of usages. How can we be sure, and I know you've put a lot of work into it. If I lose my phone and it's locked, it can't be used?
J: Well, we've been working on the area of concept payment or mobile payment. Within some years, I will hear it from Europe. There are, you know, many millions of places that you can use those cards and devices in. So in terms of the security that can be built in. We've had it over the years, make sure that you know, it is entirely secure. And really you know, to leave any concern to the users or any customer may have.
R: Are we talking here about buying a cup of coffee, a quick ride on the subway, a newspaper? Are you talking about buying a slice of item with a sort of Apple pay?
J: So the technology allows for both. So we see these to be exciting to use your phone, to buy a coffee, to buy a newspaper and from next week actually when London chip goes live, to actually be able to pay, using your phone on the tube, but also it's time for high value transactions as well. Then in the security this built into the device built in and put it into the payment system behind it. So the VISA payment system allows you to make those high value transactions as well.
R: I'm looking at the tweets I've received over the last hour or so and people are, you know, talking about the concerns about this. So it may sound a naive question. But why bother, why do we want to put our credit card details in our phone when we can just pull out the card and pay?
J: Well, it's not just the credit card details. It's not actually the credit card details for say that actually goes into the phone. It's actually a token which, which is in the device. So your full card details are never in the phone. So that's just one thing, just a momention. But the convenience, this mobile payment actually gives consumers around the world. They really do appreciate it, they like it. they don't have to take one of their wallets out with them. They would just take out the device, their phone, with them. And use that for all manners of talking to people, food taste, for games, for all of things we've seen today, then also for payment. Then they really do like that.
R: Good to see you, sir. Thank you. Thank you for putting this perspective.
J: Thank you, Richard.
R: As this goes forward, we're gonna have you come back to help us understand how is all the ...

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