Google Wallet functionality expanding to counter Apple's Passbook

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Comments

  • Reply 21 of 87

    Quote:

    Originally Posted by enjourni View Post


     


    By definition if I'm your competitor, then I must have released similar product(s). Competition wouldn't exist if companies didn't copy each other.


     


    All the original poster is saying is that many companies wait for Apple to act before doing it themselves.



    Had to finally join AI after years of reading it. I'm tired of all the left out info AI doesn't include in their posts. Google wallet has had rewards cards, and coupons that are all location aware for a long time now. This article is horribly misleading. Google just limited it to a test area of SF and now they are readying an expansion to new Retailers and locations. There are not adding any new functionally to the app that I've had and used for a year now.

  • Reply 22 of 87
    jkichlinejkichline Posts: 1,369member

    Quote:

    Originally Posted by hill60 View Post


     


    The main reason I carry a leather wallet is because it contains my drivers license.



    Boom! http://www.case-mate.com/iPhone-4-Cases/Case-Mate-iPhone-4-4S-ID-Credit-Card-Cases.asp

  • Reply 23 of 87
    enjourni wrote: »
    By definition if I'm your competitor, then I must have released similar product(s). Competition wouldn't exist if companies didn't copy each other.

    All the original poster is saying is that many companies wait for Apple to act before doing it themselves.

    no they are acting as if Google didn't have the groundwork laid down already and is expanding to compete accordingly.

    This is tantamount to saying that Apple backing up contacts and the like is them copying Google (as has been erroneously said by some Android fans)

    No matter what, Google copies...Apple is pure unadulterated innovation to them.

    Even when Apple implements something that is ridiculously inspired by Android (notification pulldown) it isn't a 'copy' somehow...
  • Reply 24 of 87
    geoadmgeoadm Posts: 81member
    Given the growing amount of android malware together with being open source I don't think I'd feel comfortable using android for any sort of payment. I don't know how it all works, living in austrialia it will be 10 years before NFC has widespread use so I haven't looked into it much at all but I don't think I'd be entering any sort of private info into an android device.
  • Reply 25 of 87
    jkichlinejkichline Posts: 1,369member


    Xerox is really making out on the mobile revolution. There's a whole lotta copying machines running overtime in Mountain View!

  • Reply 26 of 87
    solipsismxsolipsismx Posts: 19,566member
    mkart4 wrote: »
    Could not agree more about infrastructure but I don't think we're that far behind.  I work in Philly, not Tokyo obviously but as major American city's go I think it's fairly tech forward and I see infrastructure for automated payment popping up all the time.  I use my RFID transit card to get into the city, I'll grab a coffee and pay with my starbucks app, I'll pay for lunch with my LevelUp app(another QR code based system) and those credit card "blink" kiosks at grocery and convenient stores are becoming ubiquitous enough.  

    We just need a force as inspiring and visionary as Apple to bring this payment world together.  No small feat for sure but I believe in the power of the Apple brand and the influence it can yield.

    Apple buying that biometrics company has me wondering what it will be used for. I can't imagine that the main way to access your device is to use biometrics. It's just too insecure in and of itself.

    I then thought of a smart remote for an Apple TV/HDTV that would auto-sense which user was controlling the remote by who picked it up and then adjust the channel line up, favorites, and recorded shows accordingly. As great that sounds it seems a little too far fetched for the not-to-distant future.

    I wonder if this is for an additional level of security for NFC. The items in your wallet are insecure. Your name and number are printed on everything for anyone to see. Money is even less secure because it's not tied to your by the serial numbers and when it's gone you'll be hard pressed to know where it went if stolen. NFC offers that short-distance secure loop.

    Now, even though this is more secure than a CC even at this level because you have the potential to destroy your phone's personal data but not your CC's personal data if you don't have it on your person people are typically afraid of new technology they don't fully grasp. We saw the same thing with ATM, credit and debit cards. Long before that we saw the same thing with personal cheques over cash.

    What if Apple is planning to stem the fear by offering a finger print scanner on the iPhone. This gives a sense of choosing to use a digital payment but having some control over the action (you could also use a PIN, if you wanted). The problem with biometrics, especially fingerprints is that so far they've been easy to fake, but people tend to be rational about technology.

    So what real world good would it offer? Consider the most likely case of an iPhone being stolen isn't something pulling an Ocean's 11 heist but a crime of opportunity where the thief would rather try to guess your PIN or ignore it all together rather than track you down, get you to hold a glass, then use CSI: Las Vegas-style forensics to get superglue vapors to stick between the oils in the print to recreate your arches, loops and whorls. You' have plenty of time to have your device wiped in a secure way. Certainly more time than it would take cancel your CCs before a theif read the numbers and name on the card.
  • Reply 27 of 87
    gazoobeegazoobee Posts: 3,754member

    Quote:

    Originally Posted by SolipsismX View Post





    Apple buying that biometrics company has me wondering what it will be used for. I can't imagine that the main way to access your device is to use biometrics. It's just too insecure in and of itself.

    I then thought of a smart remote for an Apple TV/HDTV that would auto-sense which user was controlling the remote by who picked it up and then adjust the channel line up, favorites, and recorded shows accordingly. As great that sounds it seems a little too far fetched for the not-to-distant future.

    I wonder if this is for an additional level of security for NFC. The items in your wallet are insecure. Your name and number are printed on everything for anyone to see. Money is even less secure because it's not tied to your by the serial numbers and when it's gone you'll be hard pressed to know where it went if stolen. NFC offers that short-distance secure loop.

    Now, even though this is more secure than a CC even at this level because you have the potential to destroy your phone's personal data but not your CC's personal data if you don't have it on your person people are typically afraid of new technology they don't fully grasp. We saw the same thing with ATM, credit and debit cards. Long before that we saw the same thing with personal cheques over cash.

    What if Apple is planning to stem the fear by offering a finger print scanner on the iPhone. This gives a sense of choosing to use a digital payment but having some control over the action (you could also use a PIN, if you wanted). The problem with biometrics, especially fingerprints is that so far they've been easy to fake, but people tend to be rational about technology.

    So what real world good would it offer? Consider the most likely case of an iPhone being stolen isn't something pulling an Ocean's 11 heist but a crime of opportunity where the thief would rather try to guess your PIN or ignore it all together rather than track you down, get you to hold a glass, then use CSI: Las Vegas-style forensics to get superglue vapors to stick between the oils in the print to recreate your arches, loops and whorls. You' have plenty of time to have your device wiped in a secure way. Certainly more time than it would take cancel your CCs before a theif read the numbers and name on the card.


     


    Interesting ideas.  For these and other reasons, it makes more sense to me that they will integrate that finger scanning technology into the main screen and not the home button, especially if they go for bluetooth instead of NFC as has been suggested lately.  


     


    The key will be making the customer feel safe and feel like they know what's going on.  Just waving your phone at a cash register and waiting for a beep, while hoping that it's secure (without any visual feedback that it is to the customer), is nerve wracking for a lot of folks and might even be slowing adoption of the technology.  


     


    If a dialogue to pop up saying that "Starbucks wants your money" or words to that effect, throwing up a fingerprint scanner on the screen, complete with skeuomorphic fingerprint images etc. would be a great way to make the customer feel more secure and to feel like they have some kind of security and control over same.  


     


    Integrating it into the screen would also possibly allow for the phone to be able to tell the difference between real fingers and styluses/sausages, or if the person who just picked it up wasn't the owner.  

  • Reply 28 of 87
    mystigomystigo Posts: 183member


    Google isn't the company in jeopardy of course. They can copy anything they want from Apple. Since they don't actually sell Android to end-users, it's only the OEMs that have to forfeit their profits to Apple. Google doesn't care.

  • Reply 29 of 87

    Quote:

    Originally Posted by Mystigo View Post


    Google isn't the company in jeopardy of course. They can copy anything they want from Apple. Since they don't actually sell Android to end-users, it's only the OEMs that have to forfeit their profits to Apple. Google doesn't care.



    There is no possible way you can say this unless you never used one of google's phones. And by google's phones I mean the nexus line of phones because those are the only android phones google has a say in. There is almost nothing in common between a Galaxy Nexus and an iPhone.


     


    Edit: And BTW Google does sell phones and tablets direct to the end user. That's how I got mine then just popped in my old sim card.

  • Reply 30 of 87
    hill60hill60 Posts: 6,992member

    Quote:

    Originally Posted by AbsoluteDesignz View Post





    Even when Apple implements something that is ridiculously inspired by Android (notification pulldown) it isn't a 'copy' somehow...


     


    Who was Google ridiculously "inspired" more by?


     


    Drop downs in OSX and before that MacOS, the Newton, jailbroken iPhones, WebOS, WinMo or Symbian?


     


    Besides with Android being "open", Apple has just as much right to use it, how ever they want, in much the same way as Google uses WebKit.


     


    Which begs the question:-


     


    Is Android's "openness" a marketing lie?

  • Reply 31 of 87
    markbyrnmarkbyrn Posts: 661member

    Quote:

    Originally Posted by AbsoluteDesignz View Post



    Even when Apple implements something that is ridiculously inspired by Android (notification pulldown) it isn't a 'copy' somehow...


    You mean Apple can't copy what the thief originally stole and calls open source?

  • Reply 32 of 87

    Quote:

    Originally Posted by hill60 View Post


     


    Who was Google ridiculously "inspired" more by?


     


    Drop downs in OSX and before that MacOS, the Newton, jailbroken iPhones, WebOS, WinMo or Symbian?


     


    Besides with Android being "open", Apple has just as much right to use it, how ever they want, in much the same way as Google uses WebKit.


     


    Which begs the question:-


     


    Is Android's "openness" a marketing lie?



    Android's open source license requires acknowledging the source. Apple has not done that and is therefore in violation of google's work.

  • Reply 33 of 87

    Quote:

    Originally Posted by SolipsismX View Post





    The problem with biometrics, especially fingerprints is that so far they've been easy to fake, but people tend to be rational about technology.

    So what real world good would it offer? Consider the most likely case of an iPhone being stolen isn't something pulling an Ocean's 11 heist but a crime of opportunity where the thief would rather try to guess your PIN or ignore it all together rather than track you down, get you to hold a glass, then use CSI: Las Vegas-style forensics to get superglue vapors to stick between the oils in the print to recreate your arches, loops and whorls. You' have plenty of time to have your device wiped in a secure way. Certainly more time than it would take cancel your CCs before a theif read the numbers and name on the card.


     


    Like you said, unless you own a few Vegas casinos and have some very crafty enemies out there, there is nothing to worry about when it comes to biometrics verification on a phone. Especially if you have watched the video produced by AuthenTec, the company Apple bought, that shows their RF technology for actually pulling the finger print from the second layer of skin. That would be extremely difficult to duplicate!

  • Reply 34 of 87
    icoco3icoco3 Posts: 1,474member

    Quote:

    Originally Posted by NexusPhan View Post


    Android's open source license requires acknowledging the source. Apple has not done that and is therefore in violation of google's work.



     


    New one on the radar...watch this space.

  • Reply 35 of 87
    jeffdmjeffdm Posts: 12,951member
    nexusphan wrote: »
    Android's open source license requires acknowledging the source. Apple has not done that and is therefore in violation of google's work.

    Isn't that just a source code licence? If Apple makes their implementation without anyone else's source code, then such acknowledgement may not be necessary. If it's a violation of a design patent or utility, then that's a different matter.
  • Reply 36 of 87

    Quote:

    Originally Posted by JeffDM View Post





    Isn't that just a source code licence? If Apple their implementation without anyone else's source code, then such acknowledgement may not be necessary. If it's a violation of a design patent or utility, then that's a different matter.


    I'm not really sure how the fine details work. You may very well be correct. I'd be pissed at google if they used it to sue tho (Google has a patent on it BTW so I'm not sure how open source applies when Google has a patent).


     


    Edit: Here is the link to portion of Google's patent for reference. (Don't know how to use hyperlinks here - sorry)


    http://www.phonearena.com/image.php?m=Articles.Images&f=name&id=54227&name=nb.png&caption=Google+filed+a+patent+for+its+Notification+Bar+back+in+January+2009&title=Image+from+%22Google+filed+for+patent+on+Notification+Bar+in+2009%2C+patent+still+pending%22&kw=&popup=1

  • Reply 37 of 87

    Quote:

    Originally Posted by SolipsismX View Post





    It's more complex than that. I think it was the first Nexus that shipped with NFC HW but no SW or APIs. What's the point of that? With Apple you won't get HW unless there are SW to support it, and if they want it to be available for devs they will include APIs.

    But that isn't all that is needed. With a payment system you need a services infrastructure to make it functional. This means buying companies and/or getting partners so you can have support outside your device. Using your iPhone for secure payments is coming! Maybe not today, maybe not tomorrow, but soon... and for the rest of your life.


    I had one of the Nexus with the chip and software was available, BUT only if your carrier supported it and mine didn't so 

    Google would allow me to download it.

  • Reply 38 of 87

    Quote:

    Originally Posted by Gazoobee View Post


     


    Interesting ideas.  For these and other reasons, it makes more sense to me that they will integrate that finger scanning technology into the main screen and not the home button, especially if they go for bluetooth instead of NFC as has been suggested lately.  


     


    The key will be making the customer feel safe and feel like they know what's going on.  Just waving your phone at a cash register and waiting for a beep, while hoping that it's secure (without any visual feedback that it is to the customer), is nerve wracking for a lot of folks and might even be slowing adoption of the technology.  


     


    If a dialogue to pop up saying that "Starbucks wants your money" or words to that effect, throwing up a fingerprint scanner on the screen, complete with skeuomorphic fingerprint images etc. would be a great way to make the customer feel more secure and to feel like they have some kind of security and control over same.  


     


    Integrating it into the screen would also possibly allow for the phone to be able to tell the difference between real fingers and styluses/sausages, or if the person who just picked it up wasn't the owner.  



     


    the biometrics is the a fairly compelling 2nd factor, especially if it's heptatic, rather than just pressure/surface.   However, as a single factor a fingerprint scanner is a bit too much, but coupled with action receipts, and possible biometrics, like facial recognition or location verification (Starbucks already has facial recognition in play in their more high volume shops, and are coupling with location services to confirm (sort of like the Scorese ad... "Is that Rick?"  and use 'find my friends to confirm' (2nd factor)), it provides a compelling, 'yeah, pretty darn sure you're the one who owns this device')


     


     


     


    and to answer another question... Visa makes 2-5% per transaction from the vendor.  PoS vendors want to eliminate credit cards, checks and cash, as that's the limiting factor in a transaction (few er baristas handling transactions the better), and bypassing Visa on small transactions is a big win).  If Starbucks et al, can develop coupons or debit programs (fill your 'account up' online at home), and your 'buyer's card is in your passbook/wallet, then it's a swipe and go (like my bus pass).  Apple wins (say gets 1% per transaction, plus people buying their phone if it's insanely great), Starbucks wins (saves labor costs, and saves 1-4% of real cash from avoiding merchant card services), and Visa... well, sucks to be disintermediated at these <$10 purchases, where they are making a a ton of cash... but on the other hand... you look at them, they probably want to offload their network of this stuff, to lower their growth costs.


     


    So... an experience like.


    Enter Starbucks


    Location services sees you're in starbucks and notifies you "want something to drink' and brings up your 'preferred' beverages and any instore specials.


    you click on what you want as you wait in line


    you walk up to the counter, barista say, 'The Other Geoff, I see you want a half caf double mocha and sprinkles'  you confirm/augment


    The NFC/BLuetooth activates a 'payment' call, your phone pops up a 'pay now?... swipe finger' and you do


    Starbucks debits your customer account, and you get an notification of the bill on your phone, (and an email daily of your activity).


     


    'Next... Oh hi Tallest, you wanted a double shot of expresso with tobasco....<click> 'ready to pay?'   okay?  Next...'


     


    Faster service, fewer baristas, less money changing hands, no credit cards changing hands.... this is a key item... MiTM info capture... if all that is being sent is an encrypted token encrypted in Starbucks public key (on my phone) and inside of that my AppleID private key (that they use to verify 'me'), all of a sudden, Starbucks has lowered the threat of one of their employees skimming your credit card info.


     


    It's a big win.... once critical mass is there for 'tap' devices.  

  • Reply 39 of 87

    Quote:

    Originally Posted by icoco3 View Post


     


     


    I guess "much like" and copy mean different things then??  Remember, it is the Android crowd that says Apple is more or less playing catch up to Android so when it is the other way around, there are excuses....



    It's a sad day when people on here take these stories wording and run with it. If there is any copying going on here it is Apple who copied Google... Google announced the features way before passbook ever existed.... SMH... AppleInsider should do some research before creating this kind of post...


     


    Google Blog post RE these features on 5/26/2011.



    http://googleblog.blogspot.co.uk/2011/05/coming-soon-make-your-phone-your-wallet.html



    iOS 6 announced on 6/11/2012.


     


    "Because Google Wallet is a mobile app, it will do more than a regular wallet ever could. You'll be able to store your credit cards, offers, loyalty cards and gift cards, but without the bulk. When you tap to pay, your phone will also automatically redeem offers and earn loyalty points for you. Someday, even things like boarding passes, tickets, ID and keys could be stored in Google Wallet."

  • Reply 40 of 87

    Quote:

    Originally Posted by MojoRisinSD View Post


     


    Like you said, unless you own a few Vegas casinos and have some very crafty enemies out there, there is nothing to worry about when it comes to biometrics verification on a phone. Especially if you have watched the video produced by AuthenTec, the company Apple bought, that shows their RF technology for actually pulling the finger print from the second layer of skin. That would be extremely difficult to duplicate!



     

    #next_pages_container { width: 5px; hight: 5px; position: absolute; top: -100px; left: -100px; z-index: 2147483647 !important; }

    I have not seen a video from AuthenTec describing their technology.  Would you mind providing a link?  I know the AuthenTec claimed previous versions of their technology had .001% false positive rates (1 in 100,000 chance) although there appears to be a paucity of technical information available.


    #next_pages_container { width: 5px; hight: 5px; position: absolute; top: -100px; left: -100px; z-index: 2147483647 !important; }

     
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