Database Users

NFC in the Future

I just read on Engadet that Blackberry is starting a trial with Bank of America to support NFC payments. The way they are adding this functionality to older models is by using a special battery cover.
Looks like with could definitely get this feature added to our Atrix after all.

I can't understand why they chose the Blackberry for their test. I would bet that the majority of Blackberrys in the US are for corporate use and aren't able to have apps installed on them (I know I don't have that ability on mine).

Nfc as a credit card

I thought we would be able to use the nexus s as a credit/debit card after 2.3.3...... But in the write tags section, i dont see anywhere that says an option like it
:-(
~Sent from my Nexus S with Swype~

Even if NFC receives the function of credit/debit card, we must first think about in what places will they receive it. I'm sure movie theater and public big corporation markets will adopt the payment of NFC soon, but I still think we should give it sometime first.

But meanwhile I would love 2 use it where I can...most places do read nfc enabled cards. So how could ot be possible to write on a.credit card?
Maybe get the unknown file the nfc chip reads, then write it as a nfc read only file, then try to use it somewhere?
~Sent from my Nexus S with Swype~

so far, it works on public transportation.
I'm sure the adaptation to public market will come soon.

xdahd2 said:
I thought we would be able to use the nexus s as a credit/debit card after 2.3.3...... But in the write tags section, i dont see anywhere that says an option like it
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Click to collapse
You misunderstood. The 2.3.3 update allows DEVELOPERS to add NFC read/write capabilities to their apps. This means that VISA, Mastercard, and other credit card companies can now write apps that use NFC to process payments. We will no doubt see such apps soon.
The default NFC capabilities in 2.3.3 are just for unencrypted transactions like business card trading and such. Credit card transactions, as you can imagine, must be treated with much more sensitivity, and as such only the credit card companies can make those apps.

xdahd2 said:
I thought we would be able to use the nexus s as a credit/debit card after 2.3.3...... But in the write tags section, i dont see anywhere that says an option like it
:-(
~Sent from my Nexus S with Swype~
Click to expand...
Click to collapse
You need your bank to release an app allowing the phone to access your account and then create the transaction, PROVIDE ENCRIPTION and so on...
Think about this: if the functions has been embedded, anyone "tagging" you would be able to trigger them, let alone that you could mispressing the "pay" button
Moreover, acting as a credit card is not about writing a tag, but emulating one.
In short: is the phone that allows the shop to read your card, not you writing your bank info to their POS
Be patient

:x
Can't wait to spend money with my phone!!
I just started working, so I just opened a bank account!!!!
But then again, not so thrilled with the ongoing bugs.... "/
~Sent from my Nexus S with Swype~

sadkorean34 said:
Even if NFC receives the function of credit/debit card, we must first think about in what places will they receive it. I'm sure movie theater and public big corporation markets will adopt the payment of NFC soon, but I still think we should give it sometime first.
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Click to collapse
Hey there,
I live in Australia, banks are rolling-out NFC for payments <$100, they call it PayPass, and I love it. All 7Elevens have it, burger places and cinemas are leading the move as well. It's super fast, just wave your payment card, light goes green within less than a second and that's it!
My NS detects the NFC tags in my payment cards, it just says something like "unknown tag". But I thought that the NS was only a NFC reading unit, don't know if you can program a tag into it -which is pretty much what we need to make a payment I guess.
Cheers.

This was the first thing I thought of when I got this phone. Use nfc to pay for stuff. All we need is for visa or your bank to make an app then plug your card number in and done. Nfc readers are becoming very widespread, vivotech is a big one, Google them and nfc. Its only a matter of time now.
Sent from my Nexus S using XDA Premium App

Google wallet tap and pay Note 4?

Figured I would throw this out there.
Does anyone know if the tap and pay feature works on the note 4?
Yeah I know you can use softcard but I would rather give Google the business cause I didn't like how the providers wouldn't let Google wallet work unless hacked. Plus like the fact you can just use any credit card or debit card and not have to deal with selective cards and or American express.
Sent from my SM-N900V using Tapatalk

I've been wondering the same thing.

delcopa said:
Figured I would throw this out there.
Does anyone know if the tap and pay feature works on the note 4?
Yeah I know you can use softcard but I would rather give Google the business cause I didn't like how the providers wouldn't let Google wallet work unless hacked. Plus like the fact you can just use any credit card or debit card and not have to deal with selective cards and or American express.
Click to expand...
Click to collapse
Google Wallet is all but dead. It's not the carrier's fault. It's because Google's in the advertising business and wanted to track financial transaction data that the card issuers felt was too invasive. Softcard has a very good chance of succeeding because: A) the sponsoring carrier's want it to, B) they play nice with the financial industry, and C) thanks to Apple, NFC is suddenly the "answer" to electronic payments.
An article on Google Wallet's failure...
To understand why Google Wallet has not taken off, I talked to some of my contacts in the major banks and they explained that it came down to Google's business model. When Google approached the banks and asked them to support Google Wallet, it explained that part of their support meant that they would also feed data back to Google on what people bought and other personal data that Google could use to serve targeted ads. Besides privacy issues, the banks were not thrilled about being forced into a position to feed all types of shopping data back to Google just so Google could make money on ads. Consequently, most banks were not willing to play the middleman and in most cases would not fully support Google Wallet.​​
http://www.pcmag.com/article2/0,2817,2469362,00.asp
When Google/Android were younger they were seen as the underdog against Apple, Microsoft, and Blackberry in the mobile space. Now that they're mature, their thirst for revenue growth is beginning to expose the fact that users of their products and tools are nothing more than data sources with that data being sold to the highest bidder. Google's no longer cute, folksy, or an underdog. They and Facebook are probably two of the largest collectors of personal data being used to generate profit. I love Android the product. Its owners, their behavior, their business model, and lack of transparency not so much.

Softcard is nice & works fine, other than the fact that every banking & credit card I own is incompatible with it & has to be routed through AmEx's Serve card, which doesn't give me the opportunity to choose my method of payment/funding on the fly like I can with Google Wallet. If they would fix that, I'd have no problem using them.

LaRosa217 said:
Softcard is nice & works fine, other than the fact that every banking & credit card I own is incompatible with it & has to be routed through AmEx's Serve card, which doesn't give me the opportunity to choose my method of payment/funding on the fly like I can with Google Wallet. If they would fix that, I'd have no problem using them.
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Click to collapse
Financial institutions taking electronic payments seriously is kind of "chicken and egg." Do they invest tons of money in infrastructure hoping that "if they build it they will come" or, instead of being an early adopter, choose to be a "strong follower" once those that went first do the heavy lifting and prove the opportunity? Apple's embracing of electronic payments and NFC has changed the game. You'll see merchants and financial institutions falling all over themselves now to get on the electronic payment bandwagon. We, NFC-equipped Android users, will see the benefit even though Google Wallet itself may not.

I know the tap and pay is working on my son's S5. Still hoping for it on the note 4. My other soon has it on his htc also. So I know it isn't dead working on 2 newer phones after the note 3.
@barry that's what I like about it you have a choice to use pretty much ANY card or bank where softcard your extremely limited.
Sent from my SM-N900V using Tapatalk

delcopa said:
I know the tap and pay is working on my son's S5. Still hoping for it on the note 4. My other soon has it on his htc also. So I know it isn't dead working on 2 newer phones after the note 3.
@barry that's what I like about it you have a choice to use pretty much ANY card or bank where softcard your extremely limited.
Click to expand...
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When I said "dead" I was referring to its future not its current state. Strategically, the financial industry has better options (for them) that don't require feeding customer data back to Google. All Google's initiatives tie back to supporting their advertising driven revenue model. With their customer data collection objective stone walled what reason do they have to get in to electronic payments? The establishment's embracing of Apple Pay comes from their non-intrusive and non-competitive model and that anything they pay in transaction fees to Apple is offset by a reduction in fraud pay-outs. Why do you think Apple Pay's been so well received (B2B) and Google was stone walled? Outside of Isis/Softcard which is blessed by the financial industry because it's non-disruptive, the only other payment initiative with any heft going on is CurrentC ( http://www.nfcworld.com/2014/09/03/...-payments-venture-mcx-unveils-currentc-brand/ ). It's merchant-driven ($3 trillion in revenue generated by its sponsors) with their goal being to blow-up the financial payment status-quo to lower their fees.
So who's going to succeed?
Apple's "God" and has made nice with the financial industry, doesn't hurt merchants, reduces fraud, and delivers a high-value demographic in massive quantities (10M Apple Pay capable devices were sold in three days).
Softcard which is financial industry friendly, open to any credit card issuer to join, and is sponsored by the wireless carriers which control end-user access.
CurrentC which is merchant driven and who, at the end of the day, are more important to credit card issuers than credit card issuers are to them.
Google Wallet which was launched to gather even more relevant customer behavioral data to sell to advertisers and was never embraced by either the financial industry, the wireless carriers, or merchants.
PayPal's mobile strategy seems a mess. I downloaded their app on my phone and Gear and still couldn't figure out how or why I'd want to use it.
Samsung Wallet is the biggest cluster of a piece of s/w I've ever seen. Its been updated a half-dozen times and its UI/UX is still a mess and unless there was a huge incentive I can't imagine using it for anything. I see it going the way of Samsung Music, Video, and Books eventually.
So it's a three horse race in the U.S. - Apple Pay, Softcard, and CurrentC. None will be exclusive and will probably come to co-exist just as Visa, Mastercard, Amex, and Discover co-exist as card issuers. At the end of the day no one will intentionally stand in the way of a customer sale and none of this is important enough to make a customer use or avoid a specific merchant based on their specific acceptance or rejection of one form of electronic payment or another. The next few years should be fun; especially when every payment terminal in the U.S. is being replaced to support chip-and-pen and will probably all be NFC equipped to be future proof. That'll particularly help Softcard which can rapidly build up an audience which, along with Apple's validation of NFC, should attract card issuers and financial institutions that may have been on the fence. It all comes down to who own/controls the audience and infrastructure. Google and Samsung own neither. PayPal has some infrastructure but its non-parallel.

I would never rule anyone out in the tech field. Things change too quickly just ask blackberry they were the only thing business used. Then MS and apple cane into play for phones. When Google did they were the so called ugly step child. Now blackberry and MS are hurting majorly in the phone business and now there are more android phones worldwide then anyone.
But still doesn't mean anything cause the next great idea could come from an unknown company tomorrow.
I also seem to remember the note when it came out. They also all said it's too big, it's ugly, no one would want it. Even apple busted on it and now, who has the last laugh cause everyone is making the phones bigger just like the note.
I didn't want a debate or opinions cause guess what everyone has one. My only question was WILL TAP AND PLAY WORK WITH THE NOTE 4. Which you still haven't answered. And would you please not high jack my thread unless you can actually answer the question which is why this thread was created.
I can create another thread for a debate on electronic wallets of you would like.
Sent from my SM-N900V using Tapatalk

Just used google wallet tap and pay on my new Att note4 at grocery store.

I have used tap and pay twice, both times it was very quick.
Just open Google Wallet, input your pin, and touch to the NFC, should work fine.
I used it at a Whataburger and a Walgreens.

Samung Pay Beta (USA)

I registered for the Samsung Pay Beta program yesterday. Today I received a mail that I've been accepted in the Beta Program. I happily started the Samsung Pay app and it showed a new screen for installation. I installed it. The interface looks good. You can just scan the card and it captures the card number and expiry date automatically. Rest of the information has to be filled manually. However, It didn't accept my CHASE or AMEX card. It gives following error:-
Registration failed
Unable to register your card. Try another
card or contact the card issuer. (645101)
Anybody else having similar issue ?

I am having the same problem with both my cards

I received the beta invite as well. The participation details list the qualifying cards. http://www.samsung.com/us/samsung-p...ID=0125494973&MKM_MID=&CID=eml-mb-cph-815-975

Bradfordv said:
I am having the same problem with both my cards
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Click to collapse
rsfinsrq said:
I received the beta invite as well. The participation details list the qualifying cards. http://www.samsung.com/us/samsung-p...ID=0125494973&MKM_MID=&CID=eml-mb-cph-815-975
Click to expand...
Click to collapse
Looks like very limited participants are available for Beta Program. I received a mail from AmEx that my card couldn't be added and when I called their customer support, they said the particular Corporate ard I'm trying to add isn't supported to the Beta program, however, it would be available 28th Sept onward (official launch). The Chase however have no idea about Samsung Pay. They said they are aware of only Apple Pay.

I have it as well. It will only work with US Bank or Bank of America (Visa Debit or Visa Credit card). I also tried my other cards just to see if they would work, nothing else is accepted yet. I did call customer service for all of my cards (Amex, Chase, Barclay's, American Airlines CC and Capital One) and they said they will work with Samsung Pay near the end of September.
Looks like Samsung is just minimizing the testing to keep control of things. Worked perfect at Panera with my B of A Debit Visa card. Of course the girl thought it was an IPhone. Knew that was coming hahahaha
Edge 6+ Gold
Sent from my SM-G928T using Tapatalk

mcmikelw said:
Of course the girl thought it was an IPhone. Knew that was coming hahahaha
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Click to collapse
The inevitable... :silly:

I didn't realize this when I used it the other day but Samsung Pay is actually integrated into your lock screen and every screen screen even after you unlock your phone. I previously accessed Samsung Pay through the app as that is how I was use to accessing Google Wallet.
So here is how you quick access it:
Once you turn the screen on, you will see a small tab floating above the home key that says Samsung Pay.
Swipe it up (without unlocking the screen). Choose a card you want to use, then once you want to use it, you use finger print to unlock it. The phone will start vibrating and have some animation on the screen to indicate you can now pay.
If you have your phone unlocked and you were previously using it, you simply swipe up and bam there it is.
I guess in the excitement yesterday I didn't see this. The Samsung pay tab is so small, if you are on auto pilot using your phone you will miss it.
Sent from my SM-G928T using Tapatalk

Im using it as well.. apple pay still much quiker.. id like to see even your phone is locked just tap it and use fingerprint and it will activate. On samsung pay i have to hit fingerprunt twice since my lockscreen is fingerprint

apurva.giri said:
I registered for the Samsung Pay Beta program yesterday. Today I received a mail that I've been accepted in the Beta Program. I happily started the Samsung Pay app and it showed a new screen for installation. I installed it. The interface looks good. You can just scan the card and it captures the card number and expiry date automatically. Rest of the information has to be filled manually. However, It didn't accept my CHASE or AMEX card. It gives following error:-
Registration failed
Unable to register your card. Try another
card or contact the card issuer. (645101)
Anybody else having similar issue ?
Click to expand...
Click to collapse
Hi,
What was the reason for your to enroll in the Samsung Pay (Beta) program to begin with?

ad78 said:
Im using it as well.. apple pay still much quiker.. id like to see even your phone is locked just tap it and use fingerprint and it will activate. On samsung pay i have to hit fingerprunt twice since my lockscreen is fingerprint
Click to expand...
Click to collapse
Applepay doesn't support MST and there isn't a way for the phone to know there is a MST terminal in front of it. NFC is 2 way which is why it works for that. They could possibly make it work automatically with NFC capable terminals but it would likely just confuse some people about when it's automatic and when it's manual. I don't find it hard to use at all in its current form.

jasonl.teehee said:
Hi,
What was the reason for your to enroll in the Samsung Pay (Beta) program to begin with?
Click to expand...
Click to collapse
Well, the Beta programs (Samsung or no Samsung) intend to execute a trial run before the actual services are officially released. Would make no sense if nobody enrolls in it, don't you agree ?

apurva.giri said:
Well, the Beta programs (Samsung or no Samsung) intend to execute a trial run before the actual services are officially released. Would make no sense if nobody enrolls in it, don't you agree ?
Click to expand...
Click to collapse
but what's the purpose behind it? does it have the same approach like paypal?

jasonl.teehee said:
but what's the purpose behind it? does it have the same approach like paypal?
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Click to collapse
Samsung Pay is a payment system which uses NFC and MST. Once you've added your card, you can go to any retailer and pay using your phone instead of your card. If the retailer has an NFC system, you can simply tap your phone onto the NFC section of the payment system and authenticate using PIN/Fingerprint and the payment should be made. Otherwise, if the retailer has traditional magnetic card swiping payment system, just start the Samsung Pay and bring it near the edge of the Payment System where card is required to be swiped. Use PIN/Fingerprint for authentication and the payment should be made easily.
Try googling about Samsung Pay, you'll know more in details.

apurva.giri said:
Samsung Pay is a payment system which uses NFC and MST. Once you've added your card, you can go to any retailer and pay using your phone instead of your card. If the retailer has an NFC system, you can simply tap your phone onto the NFC section of the payment system and authenticate using PIN/Fingerprint and the payment should be made. Otherwise, if the retailer has traditional magnetic card swiping payment system, just start the Samsung Pay and bring it near the edge of the Payment System where card is required to be swiped. Use PIN/Fingerprint for authentication and the payment should be made easily.
Try googling about Samsung Pay, you'll know more in details.
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Click to collapse
I'll stick with the classic way, lol, not too sure how safe is the Samsung Pay. :good:

jasonl.teehee said:
I'll stick with the classic way, lol, not too sure how safe is the Samsung Pay. :good:
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Click to collapse
I'd say it's significantly safer than carrying a physical card around since anyone could rob you and use it where as samsung pay couldn't be used unless they chopped off your finger when they stole the phone and at that point the cashier would be suspicious I'm thinking.

jasonl.teehee said:
I'll stick with the classic way, lol, not too sure how safe is the Samsung Pay. :good:
Click to expand...
Click to collapse
We're talking about Samsung here.. You could trust them with your contacts, messages, social media credentials, banking apps and you can't trust them with Samsung Pay. Really ? May be you don't use banking apps (I thought you may bring that up again), and that's okay. It's your hard earned money, I'm sure you know how to handle it better than anybody else does. You might wanna look into Samsung Knox bdw (just for information purpose), its even NSA approved.
codee said:
I'd say it's significantly safer than carrying a physical card around since anyone could rob you and use it where as samsung pay couldn't be used unless they chopped off your finger when they stole the phone and at that point the cashier would be suspicious I'm thinking.
Click to expand...
Click to collapse
And even if someone manages to do all that, one can simply call the bank to nullify the transaction. A chopped finger would suffice as a proof! :cyclops:

jasonl.teehee said:
I'll stick with the classic way, lol, not too sure how safe is the Samsung Pay. :good:
Click to expand...
Click to collapse
I think the toeknization is the real value here. When you go to target and buy something they don't actually have access to your card info, they have a token because the card info stays at the payment processor and is activated by the token. At least that's how I understand it.
Hell, in theory, if target gets hacked and your token is compromised they can do a mass update and scramble the tokens only for cards used at target in the last X number of days.
IMHO this is exponentially safer than using your card at a store. Skimmers are probably less effective too, all kinds of joy with this innovation.

They should of had all major banks on board. So people dont sit around and think about why it may not be safe. Big mistake not not have a feature ready by launch. I have capital one and Wellsfargo and i am waiting not even knowing if they will ever sign on.

dallastx said:
They should of had all major banks on board. So people dont sit around and think about why it may not be safe. Big mistake not not have a feature ready by launch. I have capital one and Wellsfargo and i am waiting not even knowing if they will ever sign on.
Click to expand...
Click to collapse
As long as they are VISA or Master Card, they should work. Atleast that's what I understand. Also, there are only limited banks supported for Beta, you should try Capital One and Wellsfargo after 28th.
Sent from my SAMSUNG-SM-G928A using XDA Free mobile app

dallastx said:
They should of had all major banks on board. So people dont sit around and think about why it may not be safe. Big mistake not not have a feature ready by launch. I have capital one and Wellsfargo and i am waiting not even knowing if they will ever sign on.
Click to expand...
Click to collapse
American express, Visa, MasterCard and some large banks are on board - seems to be a pretty good backing and show of support to me. Anyone that thinks it isn't safe clearly has no idea of how the system works because it's actually significantly safer than a standard card.

Android pay yes or no and why?

Wondering if you guys care about android pay. Its just as easy for me to swipe my card as it is to swipe my phone I don't care about this feature and it scares me to be honest what are your opinions ?

Unlikely I will be using it. I haven't seen many places around here that even accept tap to pay, so it's unlikely android pay will be supported

I won't use it.
Why?
Because Google refuse to release it outside of the states (basically)
5+yrs & we still ain't even got the Google Wallet App, never mind Android Pay.

Yeah I haven't seen anywhere to use to use it

I'll be using it.

I really could care less about Android pay.

I've used wallet in the past, nice but unnecessary. My cards all have tap and pay so there's no difference in pulling out a card vs my phone. In fact it's faster to just pull out the card. I could see in the future making credit cards obsolete or unnecessary to carry but at this point it's not fast enough and I don't care enough to change.

domyou have access to it? and why so?

I will never use it thanks to my stratos card.

Cash all the way.
Electronic systems just profile you (yes tinfoil crazy, but why not avoid it) and most importantly they are not reliable.

I use it all of the time already. Love it!

Not unless they ever allow it on rooted/modded phones. Used to use Google wallet all the time until pay forced update to continue to work, but then it doesn't. Much rather have root. Google can miss out on the extra data mining from me then.

I love it and will use it. right now there is still more places that don't accept it then do. but once everywhere eventually accepts it... I plan on basically replacing my wallet. lol. I agree its annoying that it doesn't work with root.. but with a nexus phone being so bloat free and such a clean experience I'm hoping ill be able to survive without rooting. we'll see how long that lasts.

Why be scared? The biggest reason to use it is not convenience, but security. Stores never get your credit card info when you use Android Pay. All these data breaches stores have had where credit card info is stolen... you are immune to that if you pay with Android Pay. That is why I will be using it.

This was my main reason to use it. Luckily chip and pin will be required by the end of the year here in the states, so that stolen card info is less useful.

My first exposure to NFC payment was in Dec 2011 with the Galaxy Nexus and I've used NFC alot over the years. Funny thing is, in downtown Chicago, there are fewer places that accept NFC payments now (i.e. CVS Apple Pay incident) than there were in Dec 2011. So for me, without places to use it and without it gaining more traction in the area I live, I won't be using it.

Yes, it is going to get me the chicks since they will think I'm from the future.
Will this work in Canada?

They should have gone with MST like Sammy.

Won't be using it as I have yet to see a store in this area that has it. Rural area and don't even see apple pay or anything like that around here

I use it wherever I can, but there are very few places that have nfc. I actually prefer using it versus my cards.