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Blik contactless payments screenshot
DIRECT: Customers of six banks in Poland will be able to use their mobile banking app to pay contactlessly

Consumers in Poland will soon be able to use their Android NFC device to make tokenized contactless payments at the point of sale (POS) directly from their bank account via their mobile banking app without needing a debit or credit card.

Polish mobile payments service provider Blik[1] is making the contactless functionality available in the apps of six of the 17 banks that support its mobile payments solution.

At present Blik users can make mobile payments at the POS directly from their bank account by receiving a one-time authorisation code in their banking app that they then manually enter into a POS terminal to authenticate their payment.

“The technology and combination of various payment schemes that have been operating separately to date have given customers a solution that does not require digitisation of existing physical payment instruments, but purely a device with NFC functionality and an installed mobile app of the bank providing contactless Blik,” Blik explains.

“For security reasons, the requirement to trigger a payment is having an active device lock – namely, to be able to lock the phone with a code, fingerprint or facial biometrics.

“It is sufficient to bring the phone close to the payment terminal after unlocking it (the NFC function must be activated on the phone) in order to make a payment. The phone does not even have to be within range of a mobile network or have an internet connection while the payment is being made.

“Once activated, the service is only available if the bank’s mobile application is installed on the smartphone.”

MDES tokenization

The service uses Mastercard MDES tokenization technology and is being rolled out in Poland with

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currensceneFLOGO WHTsquareThough not the oldest form of currency, some form of shell money appears to have been found on almost every continent. The shell most widely used worldwide as currency was the shell of Cypraea moneta, the money cowry.

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