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Google flips switch on Instant Buy for iOS apps, roots deeper into Apple's mobile platform

post #1 of 38
Thread Starter 
Google on Wednesday announced iOS support for Instant Buy, the Google Wallet-based authentication and payment system that lets customers bypass shop and make purchases with as few clicks as possible.



With the Instant Buy API for iOS, which leverages Google Wallet and the Internet giant's authentication backend, companies have a better chance of converting app visitors to sales, says Google.

A major hurdle for conversion is typing in billing information like credit card numbers, shipping details and more, a process made more inconvenient on small-screen mobile devices. Instant Buy offers users a streamlined checkout process that in some cases takes as few as two clicks.

The system works by storing the required payment and shipping information on Google's servers, which then serves up the data to merchants after a user clicks the "pay" button. Sellers can then transfer the information to a payment processing service of their choosing.

As noted by Google, merchants and developers selling physical goods and services can integrate Instant Buy without facing any fees, though sellers have to sign up and be vetted before applying the API to their apps. Google also offers its own fraud monitoring service for accepted merchants.

Google Wallet Instant Buy has been available on certain mobile websites and the Android platform for one year and will launch on iOS with partners B&H, Eat24, Fancy, Newegg, Sionic Mobile and Wish.com. According to Google, most launch partners already have the service installed in their mobile and Android storefronts.

Apple does not yet have a dedicated wallet service for apps, but is making the process of online purchasing a bit easier in the upcoming iOS 8 with credit card scanning in Safari. The company is thought to be working on a more comprehensive payments tool that may incorporate the Touch ID fingerprint recognition system, but the rumored solution's delivery date is unknown.
post #2 of 38
Yes, even Google will benefit from Apple opening up their Touch ID APIs.

Proud AAPL stock owner.

 

GOA

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Proud AAPL stock owner.

 

GOA

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post #3 of 38
The author completely neglected to mention iCloud Keychain. Works pretty well auto filling all my information into text fields. The last thing I want is more google infiltration.
post #4 of 38
Absolutely agree. Google would be the last place I would want credi card info.
post #5 of 38

NO THANK YOU.

post #6 of 38
Quote:
Originally Posted by SpamSandwich View Post

Yes, even Google will benefit from Apple opening up their Touch ID APIs.

Not on my account, they won't.  LOL

post #7 of 38
What's the point if Google Wallet only ends up providing this information to the merchant, who then sends it to a payment gateway of his choice!!?

Why can't Google process the payment itself and credit the merchant? That way we only have to worry about Google, not about merchant as well!

This feels a half baked pointless solution! And in a month or two, Apple will launch a much better version, leaving Google's implementation as landfill.
post #8 of 38
I had two coworkers who use their Android phones for accessing their bank accounts get hacked in the last 3 months. With the first one she changed her password three times and they still got in on payday. I told her to stop logging on from her phone and change it one more time. No more hacks. Now that I think about it, she used to always brag about how much better her keyboard was that she downloaded. I didn't realize they could transmit keystrokes back then.
There is no way I would trust them with my credit card info.
post #9 of 38
Quote:
Originally Posted by macaholic_1948 View Post

Absolutely agree. Google would be the last place I would want credi card info.

Because...??
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post #10 of 38
Quote:
Originally Posted by Gatorguy View Post


Because...??

Because he doesn't have an undying love for Google like you do and wants to keep his money from them?

post #11 of 38
Quote:
Originally Posted by Gatorguy View Post

Because...??
They can't keep you safe with apps on the Google Play Store, why would I want them processing my transactions elsewhere.
post #12 of 38
Thank you Little Snitch
From Apple ][ - to new Mac Pro I've used them all.
Long on AAPL so biased
"Google doesn't sell you anything, they just sell you!"
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From Apple ][ - to new Mac Pro I've used them all.
Long on AAPL so biased
"Google doesn't sell you anything, they just sell you!"
Reply
post #13 of 38
Quote:
Originally Posted by genovelle View Post

They can't keep you safe with apps on the Google Play Store, why would I want them processing my transactions elsewhere.

Where did you read Google Play apps aren't safe? In general they're about as "safe" as those coming from Apple's App Store as far as I've read.

As for handling payments I'm not aware of Google-held CC holder info being hacked unlike dozens of retailers both brick and on-line, hotels from Hilton to Sheraton, and banks including Bank of America and Chase that you and others have happily offered your credit cards and financial info to. IMO Google would be one of the more secure options.
Edited by Gatorguy - 6/11/14 at 6:50pm
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post #14 of 38

Why am I going to use Google to buy through Amazon?  Isn't Amazon like 99.999% of what people buy online?

 

I don't like the idea of giving Google my credit card information.  Google has enough freaking information about me.  They don't need the security code of my VISA.

post #15 of 38
Quote:
Originally Posted by Gatorguy View Post

Because...??
It's Google. Isn't that sufficient explanation?

If not, they are an information aggregator. If I process all my online purchase payments through them, they will have a more complete picture of my purchasing activities than I am willing to provide. It's bad enough as it is with my bank, credit card company having much of that but at least they don't use that info "for my benefit."

Further why do they need that information? I am also providing the same information to the vendor, presumably. And, if not, it becomes just another cost to the vendor.
post #16 of 38
Quote:
Originally Posted by Gatorguy View Post

Where did you read Google Play apps aren't safe? In general they're about as "safe" as those coming from Apple's App Store as far as I've read.

As for handling payments I'm not aware of Google-held CC holder info being hacked unlike dozens of retailers both brick and on-line that you and others have happily offered your credit cards to. IMO Google would be one of the more secure options.
Try doing a Google search for Malware on android. You will find out about a multitude of Exploits some that Gives control over you phone to a hacker. Several were downloaded from their store for months before they were alerted. They have even admitted in a recent interview that Android is not designed for security. Google has an advantage in that is controls they way most people get their information these days, Googling. Oddly any issue for Apple tops their search but you have to very search carefully to find the multitude of articles that tell the dangers of the new XP. The reason XP was a disaster was because no one seamed to listen or care that they were compromised until all hell broke loose.
post #17 of 38

Would love to read data on Google Checkout, it was going to be revolutionary before the name change to Wallet

post #18 of 38

The whole payment gateway transaction process is about to be shaken up with the new tokeniztion protocol which will be supported worldwide with merchants, payment gaeways, banks, etc. Pretty soon Google and Apple will have no access to user data or credit card number.  It is a new protocol to help prevent identity and credit card theft. It is supposed to be up and running in a couple months. It basically means that each transaction has a unique ID that is only good for a limited time and then expires, thus making data breaches worthless because they only contain expired data.


Edited by mstone - 6/11/14 at 7:36pm

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post #19 of 38
Quote:
Originally Posted by mstone View Post

The whole payment gateway transaction process is about to be shaken up with the new tokeniztion protocol which will be supported worldwide with merchants, payment gaeways, banks, etc. Pretty soon Google and Apple will have no access to user data or credit card number.  It is a new protocol to help prevent identity and credit card theft. It is supposed to be up and running in a couple months.

Gosh, first I'd heard of it but seems like you're spot on. Thanks!
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post #20 of 38
Quote:
Originally Posted by Gatorguy View Post
 
Gosh, first I'd heard of it but seems like you're spot on. Thanks!

I haven't learned how reoccurring payments such as FastTrack toll road or Adobe Cloud payments are supposed to work under the new system.

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post #21 of 38
'In App' purchase . . . ka-ching . . . 30% fee to Apple. Thank you.
post #22 of 38
Quote:
Originally Posted by mstone View Post

The whole payment gateway transaction process is about to be shaken up with the new tokeniztion protocol which will be supported worldwide with merchants, payment gaeways, banks, etc. Pretty soon Google and Apple will have no access to user data or credit card number.  It is a new protocol to help prevent identity and credit card theft. It is supposed to be up and running in a couple months. It basically means that each transaction has a unique ID that is only good for a limited time and then expires, thus making data breaches worthless because they only contain expired data.

Don't follow. Who's making this happen? Why?
post #23 of 38

Storing money with Google? HAHAHAH! LOL! HAHHAHA… that was funny :D

post #24 of 38
Quote:
Originally Posted by AppleSauce007 View Post

Not on my account, they won't.  LOL

Haha!

Proud AAPL stock owner.

 

GOA

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Proud AAPL stock owner.

 

GOA

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post #25 of 38
Quote:
Originally Posted by ElectroTech View Post

'In App' purchase . . . ka-ching . . . 30% fee to Apple. Thank you.

 

I'm guessing that Google is less concerned about the 30% fee than Amazon is. Google is perfectly happy to give stuff away as long as they can track your purchases in return.

post #26 of 38
So googles spreading its unused service elsewhere? I've never understood google wallet and as far I see it points out that NFC is as good as putting ir into a device.
post #27 of 38
Google often sends your information to the NSA. And the NSA loves to hack Google accounts to gather data about you.

So you want to store your credit card information with Google???

No F'ing way.
post #28 of 38

I don't understand, is this subject to Apple's 30% cut?  If not, why would Apple allow the use of it in apps from the App Store?

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post #29 of 38

Quote:

Originally Posted by Crowley View Post
 

I don't understand, is this subject to Apple's 30% cut?  If not, why would Apple allow the use of it in apps from the App Store?

 

They don't take the 30% for physical products and it is not going through Apples payment system.


Edited by icoco3 - 6/12/14 at 6:11am
post #30 of 38

As near as I can tell, other than the top 30 AI posters, people generally trust/mistrust Google as much as any other major IT player. This will be a convenience for developers, and many app users will see and recognize the Wallet logo and feel at ease about the purchase, which will be backed by Google. Credit card charges are protected by the bank and by Google, so the risk of actually losing a damned penny to malicious code somewhere is very close to zero.

post #31 of 38
Yep, from my experience, most people adore Google. It's a little depressing, but Google's hard work has definitely paid off in the marketing department.
post #32 of 38
Quote:
Originally Posted by Hopeless View Post
 

Because he doesn't have an undying love for Google like you do and wants to keep his money from them?

 

And his purchase history.

post #33 of 38
Quote:
Originally Posted by Gatorguy View Post


Where did you read Google Play apps aren't safe? In general they're about as "safe" as those coming from Apple's App Store as far as I've read.
 

 

BadNews, fandroids: MILLIONS of Google Play downloads riddled with malware

http://www.theregister.co.uk/2013/04/22/android_malware_badnews/

post #34 of 38
Quote:
Originally Posted by Sporlo View Post

Yep, from my experience, most people adore Google. It's a little depressing, but Google's hard work has definitely paid off in the marketing department.

 

post #35 of 38
Quote:
Originally Posted by macaholic_1948 View Post

Absolutely agree. Google would be the last place I would want credi card info.
 
Quote:
Originally Posted by Gatorguy View Post


Because...??

Seriously? You had to ask that question????  How about not wanting google to have your transaction history as part of their invasive database, let alone security issues by having google store your payment information.

post #36 of 38
Quote:
Originally Posted by waterrockets View Post
 

As near as I can tell, other than the top 30 AI posters, people generally trust/mistrust Google as much as any other major IT player. This will be a convenience for developers, and many app users will see and recognize the Wallet logo and feel at ease about the purchase, which will be backed by Google. Credit card charges are protected by the bank and by Google, so the risk of actually losing a damned penny to malicious code somewhere is very close to zero.

BEEP! Wrong answer. Debit cards have no such protection by banks.

post #37 of 38
Quote:
Originally Posted by FreeRange View Post
 

Seriously? You had to ask that question????  How about not wanting google to have your transaction history as part of their invasive database, let alone security issues by having google store your payment information.

It's reasonable to be uncomfortable with the notion of Google having your personal info in the first place.  But they didn't get to where they are now by being lax with security. Google's business model relies on hiding what information they have about you from everyone else so that only they know where to place what ads. 

post #38 of 38
Quote:
Originally Posted by FreeRange View Post
 

BEEP! Wrong answer. Debit cards have no such protection by banks.

 

Well, if someone is making purchases with a debit card, they have bigger issues than paranoia about Google.

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