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<text><![CDATA[Orange-innovation.tv - in partnership with Cité des Télécoms, presents<br />]]></text>
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<text><![CDATA[got it!<br />]]></text>
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<text><![CDATA[a programme presented by Eric Hamonou<br />]]></text>
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<text><![CDATA[programme 06 contact-free payment<br>no longer having to reach into your pocket<br />]]></text>
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<text><![CDATA[Hello everyone,<br />]]></text>
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<text><![CDATA[and welcome on board 'got it !'<br />]]></text>
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<text><![CDATA[a programme brought to you by Orange-innovation.tv<br />]]></text>
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<text><![CDATA[- in partnership with Cité des Télécoms at Pleumeur-Bodou.<br />]]></text>
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<text><![CDATA[On the agenda this week, your techno-building session:<br />]]></text>
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<text><![CDATA[contact-free payment.<br />]]></text>
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<text><![CDATA[Késako ? How does it work ? What is it for ?<br />]]></text>
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<text><![CDATA[Don't go away.<br />]]></text>
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<text><![CDATA[We're going to tell you all about it straightaway. Shh.<br />]]></text>
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<text><![CDATA[contact-free payment<br>no longer having to reach into your pocket<br />]]></text>
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<text><![CDATA[Reaching into your pocket to pay for your purchases<br />]]></text>
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<text><![CDATA[might soon become a practice from a bygone age.<br />]]></text>
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<text><![CDATA[Because little by little, a new way of paying<br />]]></text>
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<text><![CDATA[is weaving its way into our lives:<br />]]></text>
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<text><![CDATA[contact-free payment.<br />]]></text>
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<text><![CDATA[Contact-free payment most often<br />]]></text>
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<text><![CDATA[takes the form of an ordinary credit card.<br />]]></text>
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<text><![CDATA[Except that the engineers have grafted onto it an aerial<br />]]></text>
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<text><![CDATA[which allows it to dialoguer over the waves with payment terminals.<br />]]></text>
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<text><![CDATA[At the checkout, the sometimes tense showdown<br />]]></text>
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<text><![CDATA[with those little units that like to give orders-<br />]]></text>
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<text><![CDATA[which tell you when to insert your card, and when to remove it<br />]]></text>
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<text><![CDATA[or when to enter your pin code.<br />]]></text>
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<text><![CDATA[All that's needed now is to place your contact-free card<br />]]></text>
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<text><![CDATA[within 10 cm of<br />]]></text>
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<text><![CDATA[the payment terminal, and there you have it !<br />]]></text>
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<text><![CDATA[Your electronic wallet<br />]]></text>
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<text><![CDATA[or your bank account is debited<br />]]></text>
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<text><![CDATA[and off you go, with your bread or your newspaper tucked under your arm.<br />]]></text>
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<text><![CDATA[And all this in less than half a second - not bad.<br />]]></text>
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<text><![CDATA[Faster than other payment methods -<br />]]></text>
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<text><![CDATA[the contact-free card renders the checkout process more fluid.<br />]]></text>
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<text><![CDATA[And this is just one of the reasons<br />]]></text>
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<text><![CDATA[why mass distribution - led by Auchan and Carrefour - are taking an interest.<br />]]></text>
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<text><![CDATA[For example, this year, the Carrefour group has launched<br />]]></text>
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<text><![CDATA[a contact-free Pass card, in partnership with MasterCard<br />]]></text>
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<text><![CDATA[which can be used in all its stores<br />]]></text>
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<text><![CDATA[for all purchases amounting to less than 25 euros.<br />]]></text>
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<text><![CDATA[A contact-free version of Monéo, the electronic wallet<br />]]></text>
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<text><![CDATA[has existed in France since 2006.<br />]]></text>
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<text><![CDATA[It is mainly used by the universities<br />]]></text>
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<text><![CDATA[who distribute it to their students to pay<br />]]></text>
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<text><![CDATA[the restau-U, transport, photocopies<br />]]></text>
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<text><![CDATA[or vending-machine coffee.<br />]]></text>
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<text><![CDATA[But some cities are also taking an interest as well - such as Bordeaux, Toulouse and Besançon<br />]]></text>
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<text><![CDATA[which offer it to their citizens as a method of paying for municipal services:<br />]]></text>
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<text><![CDATA[pool, parking meters, and library.<br />]]></text>
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<text><![CDATA[Historically, it was in 1997<br />]]></text>
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<text><![CDATA[in the urban transport of Hong Kong<br />]]></text>
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<text><![CDATA[that the first payment cards appeared.<br />]]></text>
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<text><![CDATA[But contact-free payment has no need for a plastic card.<br />]]></text>
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<text><![CDATA[This new way of paying has far more exotic options to offer.<br />]]></text>
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<text><![CDATA[In Turkey, for example it's a watch<br />]]></text>
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<text><![CDATA[which acts as a contact-free payment support.<br />]]></text>
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<text><![CDATA[In France in 2010, students from the University of Toulon<br />]]></text>
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<text><![CDATA[will be able to pay -not by showing their Monéo cards -<br />]]></text>
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<text><![CDATA[but their USB sticks.<br />]]></text>
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<text><![CDATA[An innovation which will also allow them<br />]]></text>
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<text><![CDATA[to pay for their online purchases using this same USB stick<br />]]></text>
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<text><![CDATA[once it is plugged into the computer.<br />]]></text>
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<text><![CDATA[Lastly, in Japan, since 2004,<br />]]></text>
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<text><![CDATA[mobile phone operator NTT Docomo<br />]]></text>
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<text><![CDATA[offers telephones which incorporate<br />]]></text>
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<text><![CDATA[a contact-free payment function.<br />]]></text>
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<text><![CDATA[In France, operators are actively militating for this solution.<br />]]></text>
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<text><![CDATA[SFR, Bouygues and Orange,<br />]]></text>
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<text><![CDATA[together with the 7 biggest French banks<br />]]></text>
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<text><![CDATA[have been conducting a contact-free payment experiment since 2007<br />]]></text>
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<text><![CDATA[on mobile phones in the cities of Caen and Strasbourg.<br />]]></text>
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<text><![CDATA[And this experiment is to be extended<br />]]></text>
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<text><![CDATA[- in a more commercial version -<br />]]></text>
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<text><![CDATA[to Nice in 2010.<br />]]></text>
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<text><![CDATA[Once all that has been said, we're not taking much of a risk<br />]]></text>
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<text><![CDATA[in announcing that contact-free payment<br />]]></text>
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<text><![CDATA[will be coming very, very soon.<br />]]></text>
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<text><![CDATA[But don't panic, here are a few technical explanations<br />]]></text>
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<text><![CDATA[which will allow you to understand a bit better how it works.<br />]]></text>
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<text><![CDATA[Come on, let's take the lid off.<br />]]></text>
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<text><![CDATA[contact-free payment<br>no longer having to reach into your pocket<br />]]></text>
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<text><![CDATA[Have you ever asked yourself why you have to<br />]]></text>
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<text><![CDATA[insert a card into a payment terminal ?<br />]]></text>
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<text><![CDATA[Well, if you have, you might like to know that, quite simply,<br />]]></text>
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<text><![CDATA[this is what enables contact between the electrodes of the reader<br />]]></text>
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<text><![CDATA[and those of the card.<br />]]></text>
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<text><![CDATA[Incidentally, it is these electrodes, and not the chip itself,<br />]]></text>
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<text><![CDATA[which appear on the surface of the cards, in the form of a circle<br />]]></text>
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<text><![CDATA[or square of little plates of gold-coloured metal.<br />]]></text>
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<text><![CDATA[Eight little plates for eight electrodes.<br />]]></text>
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<text><![CDATA[The chip itself is hidden just underneath.<br />]]></text>
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<text><![CDATA[Once contact between the electrodes is established,<br />]]></text>
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<text><![CDATA[the terminal can supply the electrical energy needed by the<br />]]></text>
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<text><![CDATA[card's microprocessor<br />]]></text>
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<text><![CDATA[so that it can answer the questions that must be asked of it.<br />]]></text>
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<text><![CDATA[Because it is a bank card, the main thing this terminal is interested in<br />]]></text>
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<text><![CDATA[is, of course, your banking details.<br />]]></text>
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<text><![CDATA[Contact-free payment cards do exactly the same thing<br />]]></text>
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<text><![CDATA[except that they can be questioned at close distances<br />]]></text>
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<text><![CDATA[via radio-frequencies, through an aerial<br />]]></text>
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<text><![CDATA[hidden in the thickness of the card.<br />]]></text>
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<text><![CDATA[This is NFC technology -<br />]]></text>
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<text><![CDATA[which stands for Near Field Communication<br />]]></text>
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<text><![CDATA[and which derives from the famous RFID technology.<br />]]></text>
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<text><![CDATA[When you buy your newspaper<br />]]></text>
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<text><![CDATA[the payment terminal - which is itself equipped with an aerial -<br />]]></text>
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<text><![CDATA[send its questions through the air and not through its electrodes.<br />]]></text>
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<text><![CDATA[in the form of an electromagnetic wave<br />]]></text>
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<text><![CDATA[whose frequency is, very precisely, 13.56 megahertz.<br />]]></text>
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<text><![CDATA[At this frequency, the wave can't travel very far<br />]]></text>
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<text><![CDATA[- so much so that your card can only pick it up<br />]]></text>
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<text><![CDATA[if you bring it close enough to the terminal's aerial.<br />]]></text>
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<text><![CDATA[Generally to a distance of less than 10 centimetres.<br />]]></text>
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<text><![CDATA[And this frequency was chosen deliberately.<br />]]></text>
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<text><![CDATA[This allows users of the card<br />]]></text>
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<text><![CDATA[to be the initiators of payment<br />]]></text>
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<text><![CDATA[because it only works if users decide<br />]]></text>
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<text><![CDATA[to bring their cards close to the terminal.<br />]]></text>
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<text><![CDATA[Once the card receives the signal<br />]]></text>
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<text><![CDATA[it uses one part to supply its microprocessor<br />]]></text>
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<text><![CDATA[and the other to answer the terminal's questions - and there you have it !<br />]]></text>
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<text><![CDATA[The contact-free cards currently on the market<br />]]></text>
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<text><![CDATA[only authorise purchases amounting to less than 20 or 25 euros.<br />]]></text>
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<text><![CDATA[For more expensive purchases, it is still necessary<br />]]></text>
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<item>
<tcIn>00:04:48</tcIn>
<tcOut>00:04:51</tcOut>
<text><![CDATA[to insert your card and identify yourself via its secret code.<br />]]></text>
</item>
<item>
<tcIn>00:04:51</tcIn>
<tcOut>00:04:53</tcOut>
<text><![CDATA[A limitation whose 'raison d'être'<br />]]></text>
</item>
<item>
<tcIn>00:04:53</tcIn>
<tcOut>00:04:55</tcOut>
<text><![CDATA[has more to do with security that it does with technology.<br />]]></text>
</item>
<item>
<tcIn>00:04:55</tcIn>
<tcOut>00:04:58</tcOut>
<text><![CDATA[Because no code is required for a contact-free transaction,<br />]]></text>
</item>
<item>
<tcIn>00:04:58</tcIn>
<tcOut>00:05:01</tcOut>
<text><![CDATA[anybody at all could use your card without your knowledge.<br />]]></text>
</item>
<item>
<tcIn>00:05:01</tcIn>
<tcOut>00:05:03</tcOut>
<text><![CDATA[That's why the maximum purchase amount is limited.<br />]]></text>
</item>
<item>
<tcIn>00:05:03</tcIn>
<tcOut>00:05:05</tcOut>
<text><![CDATA[Yet this limitation no longer exists<br />]]></text>
</item>
<item>
<tcIn>00:05:05</tcIn>
<tcOut>00:05:07</tcOut>
<text><![CDATA[if the 'contact-free payment' is installed<br />]]></text>
</item>
<item>
<tcIn>00:05:07</tcIn>
<tcOut>00:05:09</tcOut>
<text><![CDATA[to a mobile phone.<br />]]></text>
</item>
<item>
<tcIn>00:05:09</tcIn>
<tcOut>00:05:11</tcOut>
<text><![CDATA[Because, with its screen and keypad,<br />]]></text>
</item>
<item>
<tcIn>00:05:11</tcIn>
<tcOut>00:05:13</tcOut>
<text><![CDATA[the telephone allows all sorts of interactions with the user<br />]]></text>
</item>
<item>
<tcIn>00:05:13</tcIn>
<tcOut>00:05:15</tcOut>
<text><![CDATA[- and in particular, to invite the user to authenticate themselves<br />]]></text>
</item>
<item>
<tcIn>00:05:15</tcIn>
<tcOut>00:05:17</tcOut>
<text><![CDATA[by entering a secret code - not on the terminal,<br />]]></text>
</item>
<item>
<tcIn>00:05:17</tcIn>
<tcOut>00:05:19</tcOut>
<text><![CDATA[but on the telephone itself.<br />]]></text>
</item>
<item>
<tcIn>00:05:19</tcIn>
<tcOut>00:05:21</tcOut>
<text><![CDATA[There are several different solutions<br />]]></text>
</item>
<item>
<tcIn>00:05:21</tcIn>
<tcOut>00:05:24</tcOut>
<text><![CDATA[for transforming your telephone into a means of contact-free payment.<br />]]></text>
</item>
<item>
<tcIn>00:05:24</tcIn>
<tcOut>00:05:27</tcOut>
<text><![CDATA[You can add an external module, integrating the contact-free solution<br />]]></text>
</item>
<item>
<tcIn>00:05:27</tcIn>
<tcOut>00:05:30</tcOut>
<text><![CDATA[- such as, for example, a USB stick which can be plugged into the telephone.<br />]]></text>
</item>
<item>
<tcIn>00:05:30</tcIn>
<tcOut>00:05:32</tcOut>
<text><![CDATA[You can ask the manufacturer<br />]]></text>
</item>
<item>
<tcIn>00:05:32</tcIn>
<tcOut>00:05:34</tcOut>
<text><![CDATA[to make a space inside the phone<br />]]></text>
</item>
<item>
<tcIn>00:05:34</tcIn>
<tcOut>00:05:36</tcOut>
<text><![CDATA[for the insertion of an improved contact-free card,<br />]]></text>
</item>
<item>
<tcIn>00:05:36</tcIn>
<tcOut>00:05:38</tcOut>
<text><![CDATA[one that can interact with the screen and the keypad.<br />]]></text>
</item>
<item>
<tcIn>00:05:38</tcIn>
<tcOut>00:05:40</tcOut>
<text><![CDATA[But you can also modify the phone's SIM card<br />]]></text>
</item>
<item>
<tcIn>00:05:40</tcIn>
<tcOut>00:05:42</tcOut>
<text><![CDATA[so that it acts as a payment card.<br />]]></text>
</item>
<item>
<tcIn>00:05:42</tcIn>
<tcOut>00:05:44</tcOut>
<text><![CDATA[The SIM card is no more and no less than<br />]]></text>
</item>
<item>
<tcIn>00:05:44</tcIn>
<tcOut>00:05:46</tcOut>
<text><![CDATA[a chip and pin card which serves to verify<br />]]></text>
</item>
<item>
<tcIn>00:05:46</tcIn>
<tcOut>00:05:48</tcOut>
<text><![CDATA[the identity of the user.<br />]]></text>
</item>
<item>
<tcIn>00:05:48</tcIn>
<tcOut>00:05:50</tcOut>
<text><![CDATA[And this is the solution recommended by the operators.<br />]]></text>
</item>
<item>
<tcIn>00:05:50</tcIn>
<tcOut>00:05:53</tcOut>
<text><![CDATA[Their idea is to rent out the use of the SIM card which belongs to them<br />]]></text>
</item>
<item>
<tcIn>00:05:53</tcIn>
<tcOut>00:05:56</tcOut>
<text><![CDATA[to the banks - so that they can install their payment solutions.<br />]]></text>
</item>
<item>
<tcIn>00:05:56</tcIn>
<tcOut>00:05:58</tcOut>
<text><![CDATA[Card, USB stick, watch, mobile phone -<br />]]></text>
</item>
<item>
<tcIn>00:05:58</tcIn>
<tcOut>00:06:01</tcOut>
<text><![CDATA[it's clear that there's no lack of contact-free payment solutions.<br />]]></text>
</item>
<item>
<tcIn>00:06:01</tcIn>
<tcOut>00:06:03</tcOut>
<text><![CDATA[So, make your choice.<br />]]></text>
</item>
<item>
<tcIn>00:06:03</tcIn>
<tcOut>00:06:05</tcOut>
<text><![CDATA[let's sum up !<br />]]></text>
</item>
<item>
<tcIn>00:06:06</tcIn>
<tcOut>00:06:08</tcOut>
<text><![CDATA[If my battery has run down or my mobile is turned off,<br />]]></text>
</item>
<item>
<tcIn>00:06:08</tcIn>
<tcOut>00:06:10</tcOut>
<text><![CDATA[can I still pay with my mobile ?<br />]]></text>
</item>
<item>
<tcIn>00:06:10</tcIn>
<tcOut>00:06:12</tcOut>
<text><![CDATA[In theory yes, because the energy<br />]]></text>
</item>
<item>
<tcIn>00:06:12</tcIn>
<tcOut>00:06:14</tcOut>
<text><![CDATA[can be supplied by the payment terminal<br />]]></text>
</item>
<item>
<tcIn>00:06:14</tcIn>
<tcOut>00:06:16</tcOut>
<text><![CDATA[- as it is in the case of a payment card.<br />]]></text>
</item>
<item>
<tcIn>00:06:16</tcIn>
<tcOut>00:06:18</tcOut>
<text><![CDATA[If I pass in front of a reader with a card or a mobile<br />]]></text>
</item>
<item>
<tcIn>00:06:18</tcIn>
<tcOut>00:06:20</tcOut>
<text><![CDATA[- can my account be debited accidentally ?<br />]]></text>
</item>
<item>
<tcIn>00:06:20</tcIn>
<tcOut>00:06:22</tcOut>
<text><![CDATA[To be debited, you have to bring the<br />]]></text>
</item>
<item>
<tcIn>00:06:22</tcIn>
<tcOut>00:06:24</tcOut>
<text><![CDATA[card or device within less than 10 centimetres of the payment terminal.<br />]]></text>
</item>
<item>
<tcIn>00:06:24</tcIn>
<tcOut>00:06:26</tcOut>
<text><![CDATA[So it's very unlikely.<br />]]></text>
</item>
<item>
<tcIn>00:06:26</tcIn>
<tcOut>00:06:30</tcOut>
<text><![CDATA[got it!<br />]]></text>
</item>
<item>
<tcIn>00:06:30</tcIn>
<tcOut>00:06:32</tcOut>
<text><![CDATA[Well, this programme is over now.<br />]]></text>
</item>
<item>
<tcIn>00:06:32</tcIn>
<tcOut>00:06:34</tcOut>
<text><![CDATA[All that's left is for me to say goodbye, and remind you<br />]]></text>
</item>
<item>
<tcIn>00:06:34</tcIn>
<tcOut>00:06:36</tcOut>
<text><![CDATA[to come back in 2 weeks for a new edition of<br />]]></text>
</item>
<item>
<tcIn>00:06:36</tcIn>
<tcOut>00:06:38</tcOut>
<text><![CDATA[got it!<br />]]></text>
</item>
<item>
<tcIn>00:06:38</tcIn>
<tcOut>00:06:40</tcOut>
<text><![CDATA[the programme which gives you all the detail about new innovations. see you very soon.<br />]]></text>
</item>
<item>
<tcIn>00:06:47</tcIn>
<tcOut>00:06:49</tcOut>
<text><![CDATA[Innovation has found its television.<br />]]></text>
</item>
</mySub>
