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Google's New Take on Mobile Payments Puts Focus on Developers With Android Pay
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Chaos Reigns Supreme
I am hard pressed to see what this means.
Is Chase, Citi, Capital One, all going to have their own payment apps.
Is there going to be a Mastercard, Visa and Amex Apps.
What is Google going to do with the API on the back end.
You call the method RequestPayment( amount, customerID, cardIssuer) what happens?
It will be interesting to see what comes out of this. But there's a lot of ground work to be done here.
Payment is about trust. I don't see a lot here yet.
I am hard pressed to see what this means.
Is Chase, Citi, Capital One, all going to have their own payment apps.
Is there going to be a Mastercard, Visa and Amex Apps.
What is Google going to do with the API on the back end.
You call the method RequestPayment( amount, customerID, cardIssuer) what happens?
It will be interesting to see what comes out of this. But there's a lot of ground work to be done here.
Payment is about trust. I don't see a lot here yet.
Google already mentioned Africa as one of the likely locations that need a feature like this. Banking in Africa in many places can be impossible. Imagine having a form of currency that could be used by users just by touching their phones together. It would open up a new world to a lot of people.
It went through many changes, yes. But the problem wasn't so much that they didn't take it seriously. As an online payment gateway it's used in quite a number of things, not just Google properties. Then there's their cash sending via gmail, etc.
The problem with Google Wallet on the handset, from the very beginning, was that the carriers decided to do their own thing. AT&T, Verizon, Sprint, etc... who remembers the name before Softcard? Yes, ISIS. There was another name before that too I think. They blocked Wallet from being preloaded on their phones. Furthermore they blocked bits of the hardware necessary to make it function properly. As Google adjusted, they adjusted.
ISIS/Softcard wasn't the only problem. They had huge problems getting retailers to update their card swipe machines to support contactless stuff. And then ISIS interfered and some of them started blocking Google. In the end, Google worked around a bunch of this stuff, but at that point the momentum was gone.
By the time Apple Pay came around, much of the fighting was already done. I think the folding of Softcard is evidence of that at least. And I remember thinking to myself "now that Google made the push for more contactless stuff at retail locations, maybe Apple and it's iSheep will bring the push that takes it over the edge."
I still think the jury is out on whether it'll succeed long term, but I'd hope people would think twice of accusing anyone of copying on this, especially when the other parties did a fair amount of the historical heavy lifting.
I'm stumped trying to think of what name blackberry may give it should they come up with a payment system!
Payberry
They probably meant they're releasing in Miami, FL first... it's been summer here for the past 2 weeks.
It's when the two are grouped together that it gets really creepy.
iPay.......iWatch.......iXxx
I'm just saying.
Your definition of "successful" must be pretty generous. It's a brand new technology, in use by only a tiny fraction of iPhone users, supported only on very recent iPhones, only in the US, and is only supported at 10% of vendors in the US.
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The same could be said about him recently in both OS X and Mac hardware.
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Easy to lose, easy to steal and doesn't work online.
No, then it would have been confused as a service to spay and neuter.
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Odds of losing my wallet are infinitely less likely than losing my phone. I've never lost my wallet or had it stolen. But I lose my phone daily. Yes I'm disorganized.
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Your definition of "successful" must be pretty generous. It's a brand new technology, in use by only a tiny fraction of iPhone users, supported only on very recent iPhones, only in the US, and is only supported at 10% of vendors in the US.
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The same could be said about him recently in both OS X and Mac hardware.
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Easy to lose, easy to steal and doesn't work online.
Haven't you ever fed cash through a cable line? I had to upgrade my service cause it congested the network a little.
Apple even got in trouble over the name Apple at one time. So yeah, there's always some way that any company could face issues relating to originality.
You can do this now with Bitcoin. Through Bluetooth too, if you use the Airbitz app...
Articles about Google working on this have been in the news since at least early 2014.
http://recode.net/2014/02/19/how-yo...ce-your-wallet-thanks-to-mastercard-and-visa/
http://www.androidauthority.com/everything-need-know-host-card-emulation-347626/
http://www.androidpolice.com/2014/0...-payments-with-host-card-emulation-in-kitkat/
It doesn't really matter because Apple never plays the race game. But I agree with your comment overall.
It shouldn't bother you either way. Do you enjoy the device you use? Does it do what you want and need? Those are the things that matter. What other people say, what other companies are doing in regards to naming convention features, etc - all "silly" things to get bothered about.
There was such a huge "debate" over the use of the words app store. Ultimately - who really cares? If that (not saying you) is the type of stuff that "angers" or "annoys" people, well - they should really get some perspective. Again - this is not aimed at you.
From the end view of the customer, surcharges are paid regardless of method of payment. If there is a bill of $50.00, whether I pay with a credit card, check or cash, the end customer is still paying $50.00
Next week we can expect Windows Pay!!! :roll eyes:
I personally liked the name Google Wallet. I know they are trying to brand everything under Android, but Google Wallet was sufficient.
Bitcoin is not really a solution in places like Africa. You will need a system with very small fees (because you will be dealing with a lot of micro-transactions). And when dealing with smaller amounts of currency, you can't afford for the value to drop and rise significantly (like Bitcoin is known for doing).
Then they would be sPay and G-Pay.
Perhaps S Pay would exist but there is no product from Google called with a letter G or A