It is 2015. How is Semble doing?

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Master Geek
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#1276723 3-Apr-2015 13:43

The MasterCard and Visa implementation on SIM is a standard EMV implementation.
There is no caching. As long as your battery has power and nfc swp is enabled you should be able to keep using any card that's activated. Of course using the Semble app is required to manage your cards and any future extras that they'll bring along.
Token caching is only required for HCE - or a hybrid SIM based solution.

freitasm

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#1301020 8-May-2015 22:41

Received my new BNZ Visa replacement (just changed the expire date really) for the GlobalPlus that is no longer available (after the break up with Air NZ) and activated it. I moved my SIM back to the HTC M8 and started Semble - I received a message saying my existing BNZ card needed to be updated and it took less than a minute to do it.

Not bad. I thought I would have to go through removing the card and loading the new one.

Pretty good...

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#1301191 9-May-2015 15:42

In tap and pay settings there is 'use foreground app'
Does anyone know what that means

stubbed

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#1307241 18-May-2015 14:57

sbiddle:
Semble needs to be a rock solid solution and is a full end to end solution that relies on many things to work. BYOD can't necessarily guarantee this right now.

Which is why the smart solution would have been to cuddle up with Google Wallet/Apple Pay rather than start from scratch with a completely country/provider bespoke solution. Makes me rage. New Zealand used to be at the forefront of this sort of tech, why this was the "smart" way to go I've got no f-ing idea.

Does anyone have the APK of the latest Spark Semble available out of interest? I'm using a Spark M8 but the Google Play store is detecting my old phone and will not allow me to install as it's "not supported" - PITA.

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enfield

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#1311974 26-May-2015 13:26

I am using a Galaxy s6 edge bought from from 2degrees on spark network, would it work if I get a semble sim from spark and the 2degrees app from play store?

jaidevp

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#1312105 26-May-2015 15:43

enfield: I am using a Galaxy s6 edge bought from from 2degrees on spark network, would it work if I get a semble sim from spark and the 2degrees app from play store?

If your mobile carrier is Spark, you will need a Spark Semble SIM and the Spark Semble app.

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#1312296 26-May-2015 21:08

stubbed: Which is why the smart solution would have been to cuddle up with Google Wallet/Apple Pay rather than start from scratch with a completely country/provider bespoke solution. Makes me rage. New Zealand used to be at the forefront of this sort of tech, why this was the "smart" way to go I've got no f-ing idea.

Who was going to do the cuddling and who are you raging at?

Let try and paint a picture...

Let's separate the payment terminal from the handset. All these solutions use EMV/PayPass/PayWave technology in existing contactless terminals to perform the transaction. So we are only talking about putting the card ( payment instrument ) on the handset in a secure manner.

For both Apple Pay and Google Wallet, no non-North American issuer has been included to date.

Apple Pay is 100% proprietary and only available on Apple hardware by deliberate design.

Google Wallet was originally a carrier based solution in the USA, and Google is now touting an API based solution instead (Android Pay). Based on Google's attention span, it could be something completely different again next year.

If any bank/issuer wants to do an HCE based solution, there is no limitation other than requiring devices that support HCE. There is no coordination or agreement required with anybody else, all that is needed is to comply with the EMV payment tokenisation specification. Both ANZ ( recent announcement with Bell ID) and WestPac (trials in July 2014) intend to do HCE solutions.

There are both pros and cons of NFC SIM versus HCE, what we can say is we have secure SIM based solution now, and are still waiting here for the HCE alternatives.

stubbed

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#1312304 26-May-2015 21:35

The mechanics behind Apple Pay may be proprietary, but it works on PayWave/PayPass terminals. Google, meh.

Overall, I get what you're trying to say. My issue is, the consumer is the one that gets shafted. You're forced to purchase an NZ retail phone at top dollar, you only get updates at the whim of the Telcos who are generally more interested in pushing the next model, regardless of the hardware/software support your phone may have.

I don't understand in 2015 when we're in some sort of global economy, there's still this remaining taboo over banking technology. With a four digit pin number someone could clean out my bank account via my banking app on my phone anyway, why go defcon 1 over an up to $80 transaction on my phone? Especially when anyone on Android can run something like EMVemulator with zero issues anyway, like I have been for the past 12 months...

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#1312315 26-May-2015 21:48

stubbed: My issue is, the consumer is the one that gets shafted. You're forced to purchase an NZ retail phone at top dollar, you only get updates at the whim of the Telcos who are generally more interested in pushing the next model, regardless of the hardware/software support your phone may have.

You can lay this one at Google's door.

Google deliberately did not include a standard API for applications to talk to the applets on the SIM, this is provided in NZ phones by SIMAlliance OpenMobile API, which is an international standard used in many places in the world. So if you take Android from Google, put it on a phone and sell it it won't work with Semble. The NZ telcos have explicitly asked the phone manufacturers to include this API in the NFC phones they get. The NZ telcos have no influence on parallel imports.

So you won't ever see this on a Nexus branded phone.

For the record, regarding standards, both BlackBerry and WindowsPhone NFC devices have an API to talk to the applets on the secure element and SWP for the SIM to access the antenna, and yes, Semble SIMs do work on those, just no application to manage the cards.

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#1312345 26-May-2015 22:26

I can blame Google for telcos not keeping their Android builds up to date? Doubt it. Regardless your post is a symptom, not the problem.

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#1312366 26-May-2015 23:09

roobarb:
I note that, in an industry where contactless transactions are measured in milliseconds, ANZ are promising their HCE transactions will complete in seconds.

I have a contactless Mastercard and Amex cards from two different issuers (a real one not a Semble etc) and I have never ever seen a transaction take that quick to process. Generally takes a few seconds in my experience and it can be quite slow at certain retailers. To be honest I find the old school EFTPOS cards from my two different banks to be much faster (or at least on par at retailers who seem to have slow connections) even taking into account I have to enter a PIN. Fairly disappointing because the adverts suggests the speeds are more like what you get from the Thales designed AT Hop cards (i.e. <300ms). But in any case it sounds like ANZ are expecting the same sort of timeframes as for normal contactless transactions.

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#1312397 27-May-2015 04:47

My gem visa is instant like the ad's. Bank issued ones are slow, I guess because they are going back to authorise every purchase on them.

Shame, because I cant use my gem visa for low value stuff without screwing up the interest free purchases onit.

Richard rich.ms

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#1312426 27-May-2015 06:15

stubbed: I can blame Google for telcos not keeping their Android builds up to date? Doubt it. Regardless your post is a symptom, not the problem.

If your priority is the latest Android then get a Nexus phone. If you want the best support from your network provider then get the telco badged device. If you want the cheapest price get a parallel import.

freitasm

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#1313853 29-May-2015 09:40

And things will heat up now: Android Pay, an updated, upgraded, better Google Wallet. Obviously dependent on Android M being released, devices upgraded, support outside the USA, etc, etc... Which means not something that will happen tomorrow, next week or next month either.

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#1314231 29-May-2015 16:21

The number of places with NFC terminals but it not enabled is really starting to p... me off.

Making a point now of leaving the wallet in the bag and then having to get it out once finding that NFC doesnt work.

Richard rich.ms

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