Pay with your phone, it's coming, someday....

[anon(55900)]

Pay with your phone, sounds nice, sounds interesting. But still a thing in the future. CurrentC has been hacked already, Google Wallet requires an good connection to the Internet, Apple, simply touch phone to pay pay and credit card info is not in the Cloud, it's kept on your phone.

The ideal is your phone becomes as easy and quick to use to pay at the check out as a credit card.

Me, I already have my phone in hand at the check out with, 'Key Ring', my Loyality Card bar codes. It would be doubly nice to take that to the next step and simply touch the phone to the Tap to Pay pad.

I have tried Google Wallet and out of ten times got it to work once at a McDonalds. I like that they added a place for Loyality Card bar codes. But unless each time you walk into a retail place, say a Grocery Store, you have to stop and figure out can you connect, is there store wifi, if yes, how can you hook up, if no, Does cellular service work inside the store, sometimes up near front windows but no back in Dairy.

From what I've read, I think I would at least prefer Apple system if they let it go to Android. I like that my info is not on the Cloud and it will get hacked, my info stays on my phone. The Cloud be damned! No one hacked any of my PCs in twenty years. Got Hacked at Target.

Anyway, right now it seems Apple has the best system yet.

 

[Aquila]

Google wallet doesn't require a connection to make a payment. The only time a connection is required is to enter your pin, which is required once every 24 hours.

 

[anon(55900)]

Google wallet doesn't require a connection to make a payment. The only time a connection is required is to enter your pin, which is required once every 24 hours.

Does GW tell you that info in a brief intro of the basic's of operation? But that does lead into another operation one must perform, entering PIN every day. I will set it up and turn off WiFi and Cellular to see if it works without a connection.

 

[Aquila]

Does GW tell you that info in a brief intro of the basic's of operation? But that does lead into another operation one must perform, entering PIN every day. I will set it up and turn off WiFi and Cellular to see if it works without a connection.

I'm not sure how (if at all) they explain that, but I use Wallet all the time and having a connection for tap & pay isn't necessary as long as you have your PIN already in (requires connection) and if you want details about the transaction afterwards that requires a connection. IMO Google needs to do a lot more to promote awareness of this app and knowledge of how/where/when to use it.

 

[anon(55900)]

I'm not sure how (if at all) they explain that, . IMO Google needs to do a lot more to promote awareness of this app and knowledge of how/where/when to use it.

Absolutely, it feels like they aren't taking it serious. But there seems to be resistance from some retailers who want their own system. I'm reading many articles that I agree with in that all Tap N Pay needs to be universal, let consumers use what they like and gives them the most benefit.

 

[Aquila]

I think it's funny when kids at my college see me buy stuff from the vending machines (have NFC readers and take debit/credit, etc) with my phone - for two reasons. 1. It means the marketing sucks if the kids don't know it is possible. 2. I always say, "in the future, all phones can do this".

 

[zorak950]

I think the biggest reason it hasn't taken off isn't technical or marketing, it's that tap to pay isn't really any more convenient than the alternatives. I reach into my pocket, I can pull out either my phone or my wallet with equal ease. So the question is, why would I pull out my phone? Until mobile payment systems have a good answer to that question, they're not going to get very far.

 

[Fr0gburp3r]

I think the biggest reason it hasn't taken off isn't technical or marketing, it's that tap to pay isn't really any more convenient than the alternatives. I reach into my pocket, I can pull out either my phone or my wallet with equal ease. So the question is, why would I pull out my phone? Until mobile payment systems have a good answer to that question, they're not going to get very far.

More security.

 

[anon(55900)]

zorake950, yes, but if they can automatically yap pay plus at same time enter in a loyality cards bar code then for many the process is stream lined.

 

[anon(55900)]

More security.

Apple app seems the ideal, card info kept on phone not cloud and pseudo number is used for transaction. credit cards are less safe because they are getting hacked every where they are on a corporate data base.

 

[zorak950]

More security.

What you gain in some areas you lose in others.

zorake950, yes, but if they can automatically yap pay plus at same time enter in a loyality cards bar code then for many the process is stream lined.

If you could, it still wouldn't matter much to most people. Assuming that both the merchant and your mobile pay service supported it, you'd save maybe five seconds tops at checkout, and only at places that used such programs and you were a member of their program.


The problem is that the kind of people who frequent these forums tend to be the kind of people who are looking for excuses to use new technologies. It's a completely different mindset from the general population. Most people aren't looking for reasons to switch; if anything they're looking for reasons not to switch. To become mainstream mobile payments can't just offer a few minor perks and fringe-case convenience, it has to make a case for being the thing to use, for everyone, everywhere. It has to be so good that it's painful not to use it.

 

[anon(55900)]

What you gain in some areas you lose in others.


If you could, it still wouldn't matter much to most people. Assuming that both the merchant and your mobile pay service supported it, you'd save maybe five seconds tops at checkout, and only at places that used such programs and you were a member of their program.


The problem is that the kind of people who frequent these forums tend to be the kind of people who are looking for excuses to use new technologies. It's a completely different mindset from the general population. Most people aren't looking for reasons to switch; if anything they're looking for reasons not to switch. To become mainstream mobile payments can't just offer a few minor perks and fringe-case convenience, it has to make a case for being the thing to use, for everyone, everywhere. It has to be so good that it's painful not to use it.

I agree, it has to be second nature, a long time ago with the first commercial uses of cheap and tiny RFD tags, it was suggested that all items in a store would have a Tag and you simply ran your cart past a reader where every item in the cart would automatically register and you would have a device where your personal Tag projected your account, so all at once you were billed, you didn't even stop, you took your cart right to your car to tke home.

 

[Ad999]

One up side is at the end of the month you can report how well you stayed within your budget or where you need to trim back spending. All the data entry is already done. Sure are lots of folks flashing the phone at Starbucks drivethru...clerk needs to scan it with a barcode reader. Least I assume that is what the clerk is waving at the phone. The future is now when it come to caffine addicts.

 

[gone down south]

One up side is at the end of the month you can report how well you stayed within your budget or where you need to trim back spending. All the data entry is already done.

Your existing credit card/bank can do that for you already.

 

[NikasN94G]

I don't wanna use it. What if I will get drunk as pig and lose my phone?

 

[gone down south]

I don't wanna use it. What if I will get drunk as pig and lose my phone?

Same thing that would happen if you lost your credit card.... Except your phone is PIN protected and your credit card (in the US) isn't.

 

[NikasN94G]

But the chance of losing phone is bigger than losing credit card. And I can go to bank, block my CC and get new, it's simple.

 

[zorak950]

But the chance of losing phone is bigger than losing credit card. And I can go to bank, block my CC and get new, it's simple.

You can do the same thing if your phone gets stolen, but the idea is you won't even have to because they can't actually access your card information.

 

[NikasN94G]

But getting a new credit card cost less than getting new phone.
And one more thing - WHY people need so much things like pay with your phone? For me it's just stupid. For things like that there are normal money, credit cards etc. XXI century, derp.

 

[zorak950]

But getting a new credit card cost less than getting new phone.

True, but that presumes you're more likely to lose your phone if you use it as a payment method than if you don't, which seems a dubious assumption.

WHY people need so much things like pay with your phone?

Well now, that's the real question, isn't it?