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New credit card: Wave, pay and go
By EDWIN YAPP
KUALA LUMPUR: Visa Asia Pacific today launched what it claimed was the worlds first contactless smartcard-based credit card, dubbed the Visa Wave card.
The company said users could employ the card to make payments by merely waving it across a specially designed card-reader; transaction details would be recorded and users charged accordingly.
The entire process happens without the use of signature verification. Information is exchanged between the card and the reader by the use of RF (radio frequency) transmission, similar to that found in mass-transit environments.
Visa Wave gives consumers a convenient way to make payments securely within seconds, said Gordon Cooper, Visas head of products, emerging products and technology.
It is designed to drive credit card payments into realms where traditional cash-based retail environments are prevalent, he said.
Cooper said these environments, where speed and convenience are important factors, included petrol stations, quick-service restaurants, cinemas and convenience stores.
In conjunction with the launch, Visa has chosen MBF Cards Malaysia as the worlds first Visa Wave card issuer in a pilot trial that will last from now until Aug 31.
According to the president of MBF Cards, Al Alagappan, about 2,000 MBF Card holders – consisting of MBF staff and selected card members – have been selected for the pilot programme.
Trial cardholders will be able to wave and pay with their cards at more than 150 merchants in Kuala Lumpur, with more to be added during the trial period, he said.
Amongst the merchants are food stores and caf้s such as Delifrance, Bakers Cottage, Strudels, Hoca Coffee, and retailers such as the Fajar department store, Caring Pharmacy, Victoria Music Centre, Memory Lane and PK Time Sdn Bhd.
Reducing fraud
Visas Cooper claimed the Visa Wave credit card would reduce fraud because cardholders are not required to surrender it to merchants when payments are made.
He said the card also comes equipped with an embedded microchip based on the implementation of the EMV standard, an international specification jointly developed by Europay, MasterCard and Visa for secure point-of-sale (POS) smartcard transactions.
The combination of these two factors makes the card secure, he claimed.
Cooper however conceded that should a user lose his or her card, it could be used by anyone who picked it up.
The card was designed to replace cash, and like cash, there is always a risk of losing the card, he said.
Cooper said Visa Waves proposition was about balancing the equilibrium between user convenience and risk management.
MBF Cards Alagappan however argued that the risk of loss was minimal as users of the card would – most of the time – certainly be aware if they had lost their card.
There are also some additional safeguards in place. For example, users can only use the card to charge for goods and services of up to RM350 per transaction, per merchant.
Should a user realise that his card is lost, he could immediately report the case to our card activation centre, whereupon receiving the report, the card would be disabled and blacklisted, he said.
For more on the MBFs Visa Wave card, surf to www.mbfcards.com.
