Shutup and take my money (via NFC on my mobile phone)

Forums › Android › Shutup and take my money (via NFC on my mobile phone)

sxz

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#154542 31-Oct-2014 09:09

I just want to pay for things via NFC on my mobile. Probably not every day, but the option would be nice.

Following a recent thread I activated my AirNZ OneSmart card. I really like the app. I can generate a disposable mastercard number for all those dodgy internet sites. My OneCard even works via NFC on that mastercard (as a debit card). My phone even has NFC (don't all phones these days?).

My credit card has PayWave. I love it. It's awesome.

So what is stopping OneSmart linking the two together, and letting me pay via my phone's NFC? I can not stress how quickly this would make my OneSmart card my new primary form of spending.

I spent about an hour last night trying to get Google wallet working in NZ. No luck. I don't care who does it, but I want someone to do it. Read this ANZ, ASB, Kiwibank, AirNZ - if you provide this service, you will get my business.

That is all.

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#1165522 31-Oct-2014 09:14

Why has NFC payments never taken off? One word - standards. Because nobody could agree on a standard things never progressed. Debates over whether embedded or UICC stored secure elements were the best approach has caused the industry to spend years debating how things could be actually work.

As for a solution? Semble works with the Airpoints card (as well as a number of other cards in NZ) and will be publically launching in Q1 2015. There is also another bank in NZ that will be highly likely to launch a HCE based solution into production.

sxz

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#1165529 31-Oct-2014 09:25

I hadn't heard of semble. Just signed up to their newsletter. Thanks! Hope it works OK.

I still don't know why visa or MasterCard don't put an app out. Do they just want someone else to do it and take a cut?

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#1165539 31-Oct-2014 09:34

They need to get it sorted for standard Debit cards; then your local Dairy will be happy to take your payment. At the moment they would get docked VISA/MasterCard fees.

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#1165543 31-Oct-2014 09:40

sxz:
I still don't know why visa or MasterCard don't put an app out.

Using what solution? As I explained before there is one problem. Standards.

Both Visa and MasterCard have launched solutions in the past, during the London Olympics for example Visa pushed their Visa NFC solution heavily. Why did it fail? Because it merely used one of many competing solutions, and until everybody can agree on a standard solution NFC payments have pretty much gone nowhere.

UICC based secure element was a great solution a few years ago (and was the best solution) but as we move into people carrying multiple devices and devices that don't necessarily have a mobile data connection it too becomes a problem.

sxz

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#1165544 31-Oct-2014 09:43

Gotchya. I guess I don't understand all the background stuff. I see paywave and whatever the mastercard equivalent is, and presume that if those work then my phone will work the same way?

I guess I want the banks to see that people want this service. If they know that, maybe they will finally agree on something and get it working.

sbiddle

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#1165547 31-Oct-2014 09:46

Just because the phone does NFC doesn't mean it can automatically emulate a card. There is far more that has to go on, including where the secure element (which is in the processor on your physical card) will be located which is one of the major issues.

HCE gets around the debate over whether it should be in the device or the UICC by moving it to the cloud - but means you need an internet connection on the phone to be able to complete an online transaction.

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ZombieJohn

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#1165591 31-Oct-2014 10:12

It is frustrating knowing the technology is there in the phone but there is no way to actually carry out payments. I can't wait for the day that I can use my phone to:

- get on the bus
- let me in the gates at work
- pay for anything when I walk down to the local dairy

charsleysa

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#1165796 31-Oct-2014 12:26

Another reason it hasn't taken off (which in my opinion is the main reason) is because the transaction is a Visa/MasterCard transaction which merchants get charged extra for.

New Zealand banks and EFTPOS simply need to develop an NFC EFTPOS solution even if it only works in NZ.

If merchants could take NFC EFTPOS payments then they are more likely to update/upgrade their payment terminal and opt-in since it won't cost them extra money to process transactions.

HCE would be the easiest and best method to start with since most people that have an NFC capable phone have mobile broadband available to them.

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#1165797 31-Oct-2014 12:27

I think I saw a news article a couple of months ago about NFC EFTPOS, but I don't have a link for it. I think it said coming 2015.

Shoes2468

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#1165802 31-Oct-2014 12:31

sbiddle: Why has NFC payments never taken off? One word - standards. Because nobody could agree on a standard things never progressed. Debates over whether embedded or UICC stored secure elements were the best approach has caused the industry to spend years debating how things could be actually work.

As for a solution? Semble works with the Airpoints card (as well as a number of other cards in NZ) and will be publically launching in Q1 2015. There is also another bank in NZ that will be highly likely to launch a HCE based solution into production.

Solution - Apple Pay... job done

Ham

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#1165810 31-Oct-2014 12:39

Jam your Paywave card between your phone and a case. Sorted.

They guy at the petrol station will think your cool when you "pay with your phone"!

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#1165818 31-Oct-2014 12:45

Behodar: I think I saw a news article a couple of months ago about NFC EFTPOS, but I don't have a link for it. I think it said coming 2015.

That'd possibly be the Semble project mentioned above.

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#1165831 31-Oct-2014 12:57

Shoes2468: Solution - Apple Pay... job done

Why? Just because it's Apple? Apparently there are a number of large retail chains in the USA that have disable NFC or at least denied Apple Pay from their terminals as they're in development with their own solution. They don't want a bar of Apple Pay. Not everyone wants Apple controlling everything.

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#1165923 31-Oct-2014 14:28

Ham: Jam your Paywave card between your phone and a case. Sorted.

They guy at the petrol station will think your cool when you "pay with your phone"!

Doesn't quite work as well as you would hope. The phones pick up the nfc chip anytime it is unlocked and so unless you want to get spammed with a notification on your phone as it tries to deal with the nfc information in direct contact with it then that is a no go.

How do I know? Because I already tried it with my bus card ;)

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#1165940 31-Oct-2014 15:05

ZombieJohn:
Ham: Jam your Paywave card between your phone and a case. Sorted.

They guy at the petrol station will think your cool when you "pay with your phone"!

Doesn't quite work as well as you would hope. The phones pick up the nfc chip anytime it is unlocked and so unless you want to get spammed with a notification on your phone as it tries to deal with the nfc information in direct contact with it then that is a no go.

How do I know? Because I already tried it with my bus card ;)

I think a bus card is different to a Visa PayWave card.

I've got a Nexus 5 here and ASB recently sent me a Visa PayTag Sticker (PayWave enabled) to stick onto the back of my phone. It's worked a charm and hasn't interfered with my NFC at all, even when I want to connect the Nexus 5 to a NFC-capable speaker.

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