M&S rolls out mobile self-checkout in London food stores

M&S rolls out checkout free checkout as part of digital first strategy — Marks & Spencer — “M&S has today announced the launch of its scan and pay service, Mobile, Pay, Go, which will be available for customers in six London stores ahead of Christmas… The pacey roll out follows a successful trial of the service at Waterside Simply Food over the summer. The store now sees 20% of its sales from Mobile, Pay, Go with an average of 170 items being purchased through the app every hour.” 


Tencent uses face recognition to verify the age of mobile game players

Honour of Kings uses facial recognition to check ages — BBC — “The mobile app resembles League of Legends and pits players against each other in multiplayer online battles set in a fantasy world. Under pressure from local regulators, Tencent introduced restrictions in July 2017 to limit under-12s to one hour of gameplay a day and 13- to 18-year-olds to a maximum of two hours. Last month, the company added a real-name registration system to encourage players to keep to the rules.” 


FIS reports on real-time payments market growth

Real-time payment system growth surging worldwide — FIS — “FIS identified 40 live real-time payments programs worldwide as part of its 2018 Flavors of Fast report, up from 25 in 2017 and nearly three times as many as 2014. The report found five payments programs under development, plus another 16 expected to be live in the next 12-18 months.” 


EU begins rollout of cross-border digital identity project

Cross-border digital identification for EU countries: Major step for a trusted Digital Single Market — European Commission — “As of 29 September, the EU-wide legislation on the electronic identification (eIDAS Regulation) will enter into force enabling cross-border recognition of the electronic ID and allowing citizens and business to share their identity data when necessary. People will be able to use their electronic ID (eID) such as ID cards, driver licenses, bank cards and fill tax returns online, access medical records and online public services across the EU.” 


Tim Berners-Lee launches decentralized identity platform

One small step for the web… — Tim Berners-Lee — “Solid is a platform, built using the existing web. It gives every user a choice about where data is stored, which specific people and groups can access select elements, and which apps you use. It allows you, your family and colleagues, to link and share data with anyone… It will empower individuals, developers and businesses with entirely new ways to conceive, build and find innovative, trusted and beneficial applications and services.” 


Tatra Banka lets new customers verify their ID on their mobile phone

Customers save at least 70% time using Innovatrics digital onboarding — Innovatrics — “Users are first tasked to take a photo of both sides of their identification card. Afterwards, they are prompted to take a selfie to verify that the image is actually the same as the picture on the submitted ID. A ‘liveness test’ is performed for added security wherein the client has to follow with his or her eyes a randomly moving dot appearing on the mobile screen.” 


Micro loans let Chinese consumers buy snacks and lipsticks on credit

Chinese millennials are buying hamburgers on instalment, fuelling micro loan industry — South China Morning Post — “A small layer cake can be had for as low as 0.46 yuan per month for three years, or there’s lipstick for only 1.93 yuan (3 US cents) per month for two years. Interest rates differ based on the product price and repayment period but some loans are offered interest free.” 


Amazon uses digital price tags to offer member-only pricing in new 4-star store

Introducing Amazon 4-star — Amazon — “Digital price tags alongside every product show the Prime price and list price, as well as Prime member savings, average star rating, and the total number of reviews a product has received. Customers who aren’t already Prime members can easily sign up for a free 30-day trial and instantly receive the Amazon.com price in store.” 


Alipay builds travel guide into mobile payments app

Alipay launches in-app guide for Germany’s Oktoberfest — Alizila — “Alipay said Friday it launched an in-app travel guide in Chinese for visitors to Munich’s Oktoberfest celebration and the city’s 211-year-old downtown Viktualienmarkt… The pilot service will offer ‘a wealth of information on the culture and history of both venues,’ including a map, a guide to individual stalls and products, information on German behavioural norms, like how to toast with a glass of beer and advice on when and where it’s OK to take photos. Users can also pay for what they buy through the Alipay app.” 


NJ Transit to add support for NFC payments

Improving convenience for all, Conduent to bring digital, cashless payment options to NJ Transit — Conduent Inc — “More than 500 ticket vending machines, 200 platform validators and 65 fare gates will be refreshed to accept payments via mobile phones and contactless bank cards. Conduent will also add 2,500 validators on buses so riders can easily tap on to validate or pay their fare.” 


ANZ replaces its goMoney Wallet with Google Pay

ANZ launches Google Pay — ANZ Bank — “Google Pay replaces ANZ’s goMoney Wallet, ANZ’s current Android mobile wallet, which will be phased out from October this year… The move to Google Pay will provide customers with a faster and more reliable way to make contactless payments, particularly on older Android devices. It also allows ANZ to offer an Android mobile payment solution to more customers.” 


Hong Kong links QR codes to faster payments to boost mobile wallet adoption

The launch of Faster Payment System (FPS) — Hong Kong Monetary Authority — “The FPS is a unique platform as it supports instant payments in the HKD and the RMB with the use of mobile phone numbers, email addresses or QR codes… A free mobile application tool, namely ‘Hong Kong Common QR Code’ (HKQR), is released today, which can be used for converting multiple QR codes from different payment service providers into a single, combined QR code. This would facilitate merchants, especially small and medium enterprises, in using a single QR code to accept different payment schemes, instead of displaying multiple QR codes to their customers.” 


Japanese bank pilots blockchain mobile payments in bars and restaurants

Notice concerning demonstration experiment of S Coin — SBI Holdings (translation) — “S Coin is a settlement coin that allows charging and settlement on smartphones. In this demonstration experiment, for SBI Group employees, we will construct a mechanism that allows cashless settlement at eating and drinking establishments in Izumi Garden Tower, Roppongi 1-chome where SBIH is based.” 


GlobalPlatform sets out IoT security role for secure elements

GlobalPlatform simplifies implementation of standardized IoT device security — GlobalPlatform — “GlobalPlatform, the standard for secure digital services and devices, has published a configuration that simplifies the implementation of secure element (SE) specifications for the protection of internet of things (IoT) devices… The configuration supports root of trust (RoT) device identity, the protection of critical assets, state-of-the-art AES cryptography for device management and authentication, allowing automatic enrolment to online cloud services.” 


Apple to focus on access control for next wave of NFC applications

Why Apple didn’t try to disrupt credit cards with Apple Pay — Fortune — “Apple’s own campus lets its employees gain access via their Apple Wallet. And next week, Apple is set to roll out student ID cards on the Apple Wallet for Duke University, the University of Oklahoma, and the University of Alabama. That feature will combine access and payments, allowing students to use their Apple Wallet ID card to enter their dorms and pay for laundry. ‘It’s a tremendous new area for us to focus on, which is really access,’ Bailey said.”