카드사 관계자는 “안드로이드페이가 출시되면 오프라인보다는 온라인용으로 먼저 출시될 것”이라며, “한국에 NFC 단말기를 사용하는 가맹점이 아직 많이 없기 때문”이라고 말했다.
삼성페이가 마그네틱보안전송(MST)방식 사용으로 카드 단말기만 있는 상점이면 어디든 결제할 수 있는 반면, 안드로이드페이나 애플페이는 가맹점에서 별도의 NFC단말기를 보유하고 있어야 한다.
구글은 안드로이드페이와 관련해서 곧 전자금융업 등록 여부를 금융당국과 논의할 것으로 보인다. 금융당국이 구글코리아를 통해 구글 본사와의 미팅을 제안한 상황으로 현재 일정을 조율 중인 것으로 알려졌다.
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Apple seen gauging Apple Pay service in Korea By Shin Ji-hye
Apple’s executives recently held a meeting with South Korean financial authorities, a move that can be viewed as the company testing the waters before fully reviewing a potential launch here, sources said Wednesday.
“Apple’s legal director and senior counselor came to Korea in November to have a meeting with financial authorities. They explained Apple Pay’s technical operation and security method -- tokenization,” a source familiar with the matter told The Korea Herald.
Tokenization, which Samsung Pay also uses, is the process of replacing sensitive data, such as credit card or fingerprint information, with unique identification symbols.
“Apple said they will partner with local credit card companies in the future but did not elaborate on specific details,” the source said.
To start such a mobile payment service in Korea, the company should have another meeting with the financial authorities to decide whether it will be registered as an electronic financial business operator. Apple is not yet scheduled to have such a meeting with the government.
Currently, Samsung Pay is not registered as an electronic financial business operator because it does not benefit from financial transactions, while Naver Pay and Kakao Pay are registered as electronic financial business operators.
Local card companies forecast that Google’s Android Pay is likely to be introduced before Apple Pay in Korea.
“While the technology development with Google for Android Pay is in full swing, the work with Apple is still in an early stage,” said an anonymous official from a local card company.
Google is now working with local card companies including KB Kookmin, Shinhan, Lotte and Hyundai to develop both online and offline payment systems.
In terms of offline payment, the card firms are jointly developing NFC, or near-field communication, based on a payment system with Google. The NFC-based payment system means users can transfer money by tapping their smartphone on a NFC terminal.
“When Android Pay starts its service here, it is likely to first offer online payment service because there are not yet many stores with NFC terminals in Korea,” the source from the card company said.
Samsung Pay, currently a sole offline mobile payment service here, supports Magnetic Secure Transmission, which works on any credit card terminal.
Google is expected to have a meeting soon with the Korean financial authorities to decide whether to register as an electronic financial business operator.
“Google Korea is now arranging the schedule with its headquarters to have the meeting at the request of the Korean financial authorities,” a source said.
By Shin Ji-hye (
shinjh@heraldcorp.com)
