Consortium To Provide Mobile Payment Solution

Singapore, October 15, 2001

A consortium of service providers and merchants led by NCS, will work together with Singapore's telecommunications operators to define, develop and pilot a common infrastructure for a mobile payment solution in Singapore. The solution will offer consumers the convenience of payment using either aVirtual Card or credit card via the Short Message Service (SMS) and Wireless Application Protocol (WAP). A pilot run is targeted to take place in March 2002, and will span across a period of 4 months till the end of June 2002.

The members of the consortium who will take up specific roles are as follows

  1. Partners and Service Providers
    • Development Bank of Singapore (DBS)
    • National Computer Systems Pte Ltd (NCS)
    • Network for Electronic Transfers (S) Pte Ltd (NETS)
    • Visa International (Visa)
  2. Telecommunications Operators
    • MobileOne (Asia) Pte Ltd (M1)
    • SingTel Mobile Ltd (SingTel Mobile)
    • StarHub Pte Ltd (StarHub)
  3. Merchants
    • Diethelm Singapore Pte Ltd (Diethelm)
    • Eng Wah Organisation Ltd (Eng Wah)
    • National Library Board (NLB)
    • National University of Singapore (NUS)

With this mobile payment solution, consumers will be able to request for and receive information as well as perform transactions from participating merchants using mobile telephones, personal digital assistants and other wireless devices even when on the move. Consumers will only need to register for NETS Virtual Card to pay using the service or credit card.

Some of the m-services that consumers will be able to carry out via SMS or WAP during the trial are

  • Diethelm
    Pay car park fees
  • Eng Wah 
    Request for movie information, confirm booking of movie tickets and make payment 
  • NLB
    Top up NLB Virtual Accounts for paying fines and accessing multimedia services, as well as view premium content and information like news and journal articles on NLB's eLibraryHub portal
  • NUS
    Receive reminders to renew library loans and pay fines

With the trial, the various m-merchants will garner valuable feedback that will enable the consortium partners to continually optimise the robustness and effectiveness of the solution. The consortium also plans to increase the number of merchants and expand the roster of services available.

The concerted efforts of the partners within the consortium will make this mobile payment solution a reality. NCS will provide the technological expertise and contribute towards business process engineering and consultancy to the consortium partners and merchants. NETS will be the payment service operator of this common mobile infrastructure, facilitating mobile payment processing via NETS Virtual Card and credit cards. DBS will play a supporting role through its d2pay secure online direct debit solution, which enables NETS Virtual Card users to transfer funds from their DBS/POSB accounts to his NETS Virtual Card over the Internet. Visa will support the consortium with the implementation of the SMS-based 3D Secure Protocol. They will also contribute in the areas of marketing and promotion.

This mobile payment solution will be simple to use and allow for easy integration with the merchants' existing systems. The consortium expects a high adoption rate with more mobile services such as m-Ticketing, m-Queuing, m-Market and m-Shop rolling out in the near future. The possibility of incorporating new technologies such as Bluetooth, Wireless Identity Module (WIM) and Java Subscriber Identity Module (SIM) into future mobile payment services is also being explored.


Media Contact
Wendy Tang
NCS Pte Ltd
DID: +65 6556 5629

About NCS

NCS is a member of the Singtel Group and the leading information, communications and technology (ICT) service provider with presence in over 20 countries. NCS delivers end-to-end ICT solutions to help governments and enterprises realise business value through digital transformation and the innovative use of technology. Its unique delivery capabilities include consulting, applications development, systems integration, outsourcing, infrastructure management and portal solutions.