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SimPay was a consortium which was founded to promote mobile payment in 2003 but which was closed as of June 2005. [1] Simpay started in Spain by a number of mobile phone companies to build an open, interoperable solution, but was abandoned when key members pulled out in 2005. [2]
In February 2003, T-Mobile, Orange, Telefónica and Vodafone formed a new Mobile Payment Services Association (MPSA) with the goal to deliver an open, interoperable and commonly branded solution for payments via mobile phones, designed to work across all operator networks. In June 2003 the consortium re-branded itself as SimPay. [3]
In February 2005, Amena and Proximus joined the consortium.
Simpay planned to create a pan-European framework whereby merchants and content resellers would be able to charge for products and services directly to a subscriber's bill. [4] [5] [6]
In June 2005, Simpay decided, "following the decision of one of its founding Members not to launch Simpay for the foreseeable future, [...] not to pursue its activity on a pan-European scale as originally planned." All activities were put on hold effective June 24, 2005. [7]
The UK Simpay founders started work in 2005 on a project called "Payforit" which was launched in 2007 to provide similar services in the UK.
A SIM lock, simlock, network lock, carrier lock or (master) subsidy lock is a technical restriction built into GSM and CDMA mobile phones by mobile phone manufacturers for use by service providers to restrict the use of these phones to specific countries and/or networks. This is in contrast to a phone that does not impose any SIM restrictions.
Near-field communication (NFC) is a set of communication protocols that enables communication between two electronic devices over a distance of 4 cm or less. NFC offers a low-speed connection through a simple setup that can be used to bootstrap more capable wireless connections. Like other "proximity card" technologies, NFC is based on inductive coupling between two so-called antennas present on NFC-enabled devices—for example a smartphone and a printer—communicating in one or both directions, using a frequency of 13.56 MHz in the globally available unlicensed radio frequency ISM band using the ISO/IEC 18000-3 air interface standard at data rates ranging from 106 to 424 kbit/s.
Vodafone Group plc is a British multinational telecommunications company. Its registered office and global headquarters are in Newbury, Berkshire, England. It predominantly operates services in Asia, Africa, Europe, and Oceania.
Virgin Mobile is a wireless communications brand used by seven independent brand-licensees worldwide. Virgin Mobile branded wireless communications services are available in the United Kingdom, Ireland, Canada, Colombia, Chile, Kuwait, Saudi Arabia, United Arab Emirates, Poland, South Africa, and Mexico. Virgin Mobile branded services used to be offered in Australia, France, Singapore, India, Qatar and the United States.
A prepaid mobile device, also known as a, pay-as-you-go (PAYG), pay-as-you-talk, pay and go, go-phone, prepay or burner phone, is a mobile device such as a phone for which credit is purchased in advance of service use. The purchased credit is used to pay for telecommunications services at the point the service is accessed or consumed. If there is no credit, then access is denied by the cellular network or Intelligent Network. Users can top up their credit at any time using a variety of payment mechanisms.
Vodafone UK is a British telecommunications services provider, and a part of Vodafone Group Plc, the world's second-largest mobile phone company. Vodafone is the third-largest mobile network operator in the United Kingdom, with 16.9 million subscribers as of November 2021, after EE and O2, followed by Three.
The Phone Co-op is a consumer co-operative in the United Kingdom, which provides landline, mobile telephone and Internet services, including web hosting and broadband. Now part of the Midcounties Co-operative, the largest independent co-operative in the UK, it is owned by its customer-members who democratically control the business and who share in its profits. This makes The Phone Co-op the only telephone co-operative in the UK.
Mobile banking is a service provided by a bank or other financial institution that allows its customers to conduct financial transactions remotely using a mobile device such as a smartphone or tablet. Unlike the related internet banking it uses software, usually called an app, provided by the financial institution for the purpose. Mobile banking is usually available on a 24-hour basis. Some financial institutions have restrictions on which accounts may be accessed through mobile banking, as well as a limit on the amount that can be transacted. Mobile banking is dependent on the availability of an internet or data connection to the mobile device.
Gemalto was an international digital security company providing software applications, secure personal devices such as smart cards and tokens, and managed services. It was formed in June 2006 by the merger of two companies, Axalto and Gemplus International. Gemalto N.V.'s revenue in 2018 was €2.969 billion.
Orange mobile UK was a mobile network operator and internet service provider in the United Kingdom, launched in 1994. It was once a constituent of the FTSE 100 Index but was purchased by France Télécom in 2000, which then adopted the Orange brand for all its other mobile communications activities. Orange UK merged with Deutsche Telekom's T-Mobile UK to form a joint venture, EE in 2010. EE continued to operate the Orange brand until February 2015, when new connections and upgrades on Orange tariffs were withdrawn. Existing Orange customers could continue on their plans until March 2019.
Contactless payment systems are credit cards and debit cards, key fobs, smart cards, or other devices, including smartphones and other mobile devices, that use radio-frequency identification (RFID) or near-field communication for making secure payments. The embedded integrated circuit chip and antenna enable consumers to wave their card, fob, or handheld device over a reader at the point of sale terminal. Contactless payments are made in close physical proximity, unlike other types of mobile payments which use broad-area cellular or WiFi networks and do not involve close physical proximity.
Mobile identity is a development of online authentication and digital signatures, where the SIM card of one’s mobile phone works as an identity tool. Mobile identity enables legally binding authentication and transaction signing for online banking, payment confirmation, corporate services, and consuming online content. The user's certificates are maintained on the telecom operator's SIM card and in order to use them, the user has to enter a personal, secret PIN code. When using mobile identity, no separate card reader is needed, as the phone itself already performs both functions.
Virgin Mobile is a mobile phone service provider operating in the United Kingdom. It is owned by Virgin Media which is part of Virgin Media O2. The company was launched by Virgin Group in 1999 as the world's first mobile virtual network operator (MVNO). As a virtual operator, Virgin Mobile does not maintain its own network but connects customers through the O2 network. Beginning in March 2023, customers will be moved to O2 plans in order to retire the Virgin Mobile brand.
Lycamobile is a British mobile virtual network operator (MVNO) operating in 60 countries. The brand is active in Australia, Austria, Belgium, Denmark, France, Germany, Ireland, Italy, the Netherlands, North Macedonia, Norway, Poland, Portugal, Romania, Russia, South Africa, Spain, Sweden, Switzerland, Tunisia, Uganda, Ukraine, the United Kingdom and the United States. The bulk of Lycamobile revenue is claimed to be generated from its SIM products. Lycatel, also a part of Lyca Group, targets customers within expatriate and ethnic markets that want to make international calls.
Giffgaff is marketed as a lower cost mobile phone flanker brand of Telefónica UK, and was launched on 25 November 2009.
FreedomPop is a wireless Internet and mobile virtual network operator based in Los Angeles, California. The company provides "free" IP mobile services including free data, text and VoIP and sells mobile phones, tablets and broadband devices for use with their service. It was founded by CEO Stephen Stokols and Steven Sesar, and owned and operated by STS Media Inc until June 2019 when it was successfully sold. FreedomPop uses networks of T-Mobile and AT&T in the United States, Three in the UK, Yoigo in Spain, and Telcel in Mexico.
Vocalink is a payment systems company headquartered in the United Kingdom, created in 2007 from the merger between Voca and LINK. It designs, builds and operates the UK payments infrastructure, which underpins the provision of the Bacs payment system and the UK ATM LINK switching platform covering 65,000 ATMs and the UK Faster Payments systems.
Mobile by Sainsbury's was a mobile virtual network operator (MVNO) in the UK, operated by Sainsbury's between July 2013 and January 2016, using the Vodafone UK network.
Unified Payments Interface (UPI) is an instant real-time payment system developed by National Payments Corporation of India (NPCI). The interface facilitates inter-bank peer-to-peer (P2P) and person-to-merchant (P2M) transactions. It is used on mobile devices to instantly transfer funds between two bank accounts. The mobile number on the device is required to be registered with the bank. The UPI ID of the recipient can be used to transfer money. It runs as an open source application programming interface (API) on top of Immediate Payment Service (IMPS), and is regulated by the Reserve Bank of India (RBI).
Google Wallet is a digital wallet platform developed by Google. It is available for the Android, Wear OS, and Fitbit OS operating systems, and was announced on May 11, 2022, at the 2022 Google I/O keynote. It began rolling out on Android smartphones on July 18, co-existing with the 2020 Google Pay app and replacing the 2018 one.
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