Geekzone: technology news, blogs, forums
Guest
Welcome Guest.
You haven't logged in yet. If you don't have an account you can register now.


4 posts

Wannabe Geek


Topic # 236061 16-May-2018 12:59
Send private message

Hi,

 

I'm an old geek - mainframes and modems that you stuck an old landline telephone handpiece into! Programming the boot load on a PDP by throwing a sequence of switches! But, I'm still here and asking questions.

 

Here's my question:

 

Besides ASB and ANZ (the two most technology progressive mainstream banks) do any other banks have "pay to mobile" services or something similar? What I want is for people to be able to pay me small amounts, like throwing money in a cup or tipping say, with the least amount of obstruction. ANZ and ASB mobile banking apps can pay to a mobile number or email - easy! Open the app, select the appropriate payment type, put in an amount and a mobile nukber or email address and done! I get a text or email with a link to claim the payment. Westpac (total crap bank) and BNZ (hardly better) have no such feature that I can find on their websites. If it's a feature in their banking apps they're not telling anyone!

 

There is a Digital Tip Jar website but they want about 10% (WAY too much) and both the tipper and the tippee have to have accounts - not so much an obstruction for the tippee but more sign-up, ident, verification, etc. processes for the tipper which a hurdle many people will not bother to jump.

 

Any other ideas? Cryptocurrencies? ??

 

Thanks geeks!

 

Harry B


Create new topic
5544 posts

Uber Geek
+1 received by user: 249

Trusted
Geekzone
Lifetime subscriber

  Reply # 2016792 16-May-2018 12:59
Send private message

Welcome to Geekzone!

I am PeterReader, the Geekzone Robot. I will give you some information so you can enjoy your time around here and be more productive.

First, everyone follows the Forum Usage Guidelines (FUG). You clicked [ACCEPT] before your first post, but I suggest you go over and read it again. Any questions, ask away.

There are many features around this forum. If you want to get the best out of Geekzone, check our Geekzone Guide.

People around here can be funny. When reading a comment don't take it personally as everyone here knows we should always attack arguments not the people behind them. But if you see some sarcastic jokes, it happens. With time you will see there are lots of people who post around the forums in a variety of topics. Those more frequent posters help us make sure the community is safe.

If you feel you need help, look for freitasm, our BDFL and send him a Private Message (PM) by clicking the email button.

We have a few accounts on Twitter and would love if you followed us: @geekz1, @geekzonenzforum, @geekzonenzjobs. You can also use watch forums and topics or use our RSS feeds to keep on top of discussions. Check the menu items on top and bottom of all pages to find out more.

If you see that the time in these posts are wrong, check your profile page and make sure the correct timezone is selected.

If you want to help the community you can subscribe to Geekzone, make your purchases through our Amazon affiliate link or through our MightyApe affiliate link. We also would appreciate if you white list Geekzone in your ad blocker.

Lastly, just enjoy your time around here and I might even reply in another of your posts!





I am the Geekzone Robot and I am here to help. I am from the Internet. I do not interact. Do not expect other replies from me.



BDFL - Memuneh
61323 posts

Uber Geek
+1 received by user: 12065

Administrator
Trusted
Geekzone
Lifetime subscriber

8 posts

Wannabe Geek


  Reply # 2017264 17-May-2018 01:51
Send private message

I hope someone would be able to help with this as well. Was wondering about the same thing.




4 posts

Wannabe Geek


  Reply # 2017502 17-May-2018 11:17
Send private message

Yep, you'd think such a thing would be almost universal. How hard can it be? ASB and ANZ can implement it, why can't the other majors and any bank really. This was one of the problems that Bitcoin was supposed to solve but that got a bit hijacked. Let's hope someone around here has some ideas. This post may not get much traction though because of where it is.




4 posts

Wannabe Geek


  Reply # 2017510 17-May-2018 11:25
Send private message

Apparently in China, this is not an issue - people pay street vendors using cell phones! And it's not Apple or Google or Click -Pay or any of that other nonsense that requires a separate piece of hardware, some intermediary bank with all sorts of hurdles (KYC and AML laws are all fine but how much terrorism, drug and arms deals and other various nefarious activities have been funded in straight cash - probably billions more than was ever transacted through Bitcoin.)

 

How about this for an idea? An app that you can load credit on to from a bank account or credit card and then just pay to an phone number or email address? Sounds like Bitcoin...

 

H


BDFL - Memuneh
61323 posts

Uber Geek
+1 received by user: 12065

Administrator
Trusted
Geekzone
Lifetime subscriber

  Reply # 2017521 17-May-2018 11:34
Send private message

HarryB:

 

How about this for an idea? An app that you can load credit on to from a bank account or credit card and then just pay to an phone number or email address? Sounds like Bitcoin...

 

H

 

 

Sounds like PayPal.







4 posts

Wannabe Geek


  Reply # 2017575 17-May-2018 12:08
Send private message

freitasm:

 

HarryB:

 

How about this for an idea? An app that you can load credit on to from a bank account or credit card and then just pay to an phone number or email address? Sounds like Bitcoin...

 

H

 

 

Sounds like PayPal.

 

 

Not really, PayPal is cumbersome and just another intermediary that takes a fee. I can issue invoices to be paid with PayPal but the other person has to have a PayPal account and all the nonsense that entails. I have investigated PayPal as an option and the best I can do is to direct someone to my website to make a "Buy Now" payment. Again, too much friction in the process. If you know of a PayPal process that can do this please let me know, I haven't found it yet.

 

Bitcoin was the answer - peer to peer, no intermediary, but that's another discussion...

 

I'm thinking something that loads credits/debits to the actual device or software "wallet", not kept as a ledger by some intermediary. Still sounds like crypto...

 

The whole point of this is for micropayments. I noticed that when I went out busking that people just don't carry cash so a physical tip jar is nearly pointless, but everyone, from 8 to 80 has a cell phone! A cashless society is all well and good but it makes paying the kid down the block to mow your lawn quite a bit harder. Banks don't want to deal with cash but they also are not giving us (except ANZ and ASB) any micropayment options.

 

I'm wondering, is it possible to move this discussion to somewhere it might get more traction? I'm really interested in knowing what people think about this, gig economy and all.

 

H


120 posts

Master Geek
+1 received by user: 30


  Reply # 2017612 17-May-2018 12:49
Send private message

Why not just supply your bank account details? If you are relying on those with mobile phones, most would have their mobile banking app on it already. Seems easier to me than getting someone to download an app, or use crypto or a mobile wallet. You still have to get money into that system somehow, and that usually involves fees.

 

Entering details for a one off payment is 16 digits at most for an account number. Paying via a mobile number is 9+, email addresses are usually at least 10 characters, so not much difference if any.  I don't think most banks charge for one-off direct credits for non-business customers these days, mine certainly doesn't.

 

Having received a payment from someone using the ASB pay by mobile, it's a bit of a pain if you are not with ASB. I would hate to receive multiple of them for small amounts. Puts all the work on the receiver.


BDFL - Memuneh
61323 posts

Uber Geek
+1 received by user: 12065

Administrator
Trusted
Geekzone
Lifetime subscriber

  Reply # 2017620 17-May-2018 13:04
Send private message

HarryB:

 

Not really, PayPal is cumbersome and just another intermediary that takes a fee. I can issue invoices to be paid with PayPal but the other person has to have a PayPal account and all the nonsense that entails. I have investigated PayPal as an option and the best I can do is to direct someone to my website to make a "Buy Now" payment. Again, too much friction in the process. If you know of a PayPal process that can do this please let me know, I haven't found it yet.

 

 

You can easily send someone money via email, using a Paypal account.

 

Bitcoin is cumbersome. It's really hard to find a place where you can convert the virtual currency into actual hard cold cash that goes into a bank account and you can buy things with.





Create new topic

Twitter »

Follow us to receive Twitter updates when new discussions are posted in our forums:



Follow us to receive Twitter updates when news items and blogs are posted in our frontpage:



Follow us to receive Twitter updates when tech item prices are listed in our price comparison site:



Geekzone Live »

Try automatic live updates from Geekzone directly in your browser, without refreshing the page, with Geekzone Live now.



Are you subscribed to our RSS feed? You can download the latest headlines and summaries from our stories directly to your computer or smartphone by using a feed reader.

Alternatively, you can receive a daily email with Geekzone updates.