So, I made my first NFC payment today... - Samsung Galaxy Nexus

I do not see the appeal.
It's just as easy (easier, really) to swipe a credit card.
I do not see the advantage of making a purchase process more complicated--NFC requires a powered, active, working phone. What if the phone crashes? What if the battery dies?
A credit card is solid state, requires no power, and is usable just about anywhere...
Am I missing something?

Deanwvu said:
Am I missing something?
Click to expand...
Click to collapse
Did you get your $10?
I don't know about purchases but I have some cool ideas about things to do with my new NFC tags.

Deanwvu said:
I do not see the appeal.
It's just as easy (easier, really) to swipe a credit card.
I do not see the advantage of making a purchase process more complicated--NFC requires a powered, active, working phone. What if the phone crashes? What if the battery dies?
A credit card is solid state, requires no power, and is usable just about anywhere...
Am I missing something?
Click to expand...
Click to collapse
It's the overall potential to removing all the clutter of having multiple credit cards with multiple bills and a wallet full of info that is hard to recover. If I lose my Wallet I have to call all my credit card companies and cancel all my cards then have to wait for them to resend them in the mail. With this I can easily recover with just a new phone. It sucks right now because not many people accept it but you are considered an early adopters if you join right now so there is going to be some teething pains you're going to go threw. Also think of this as like those key chain things that gas stations use for easier and faster gas purchases. It's like that but on a bigger scale
Sent from my LG-P999 using xda premium

Buff McBigstuff said:
Did you get your $10?
Click to expand...
Click to collapse
I did It was certainly worth $10 to give this a go!!
psychoace said:
It's the overall potential to removing all the clutter of having multiple credit cards with multiple bills and a wallet full of info that is hard to recover. If I lose my Wallet I have to call all my credit card companies and cancel all my cards then have to wait for them to resend them in the mail. With this I can easily recover with just a new phone. It sucks right now because not many people accept it but you are considered an early adopters if you join right now so there is going to be some teething pains you're going to go threw. Also think of this as like those key chain things that gas stations use for easier and faster gas purchases. It's like that but on a bigger scale
Sent from my LG-P999 using xda premium
Click to expand...
Click to collapse
I can see that as an advantage, perhaps. Maybe there will be a day when I walk out of my door carrying only my ID, my phone, and my car keys, but not yet. I do not trust my phone to be working all the time every day. All it would take is one phone failure when I actually need to purchase something to sour the experience for good.
Again, when it comes to purchasing goods/services, I think simple is best. Time will tell.

Security. Your credit card is an archaic tool rife with vulnerabilities. Chip based payment systems are arguably more secure.

psychoace said:
It's the overall potential to removing all the clutter of having multiple credit cards with multiple bills and a wallet full of info that is hard to recover. If I lose my Wallet I have to call all my credit card companies and cancel all my cards then have to wait for them to resend them in the mail. With this I can easily recover with just a new phone. It sucks right now because not many people accept it but you are considered an early adopters if you join right now so there is going to be some teething pains you're going to go threw. Also think of this as like those key chain things that gas stations use for easier and faster gas purchases. It's like that but on a bigger scale
Sent from my LG-P999 using xda premium
Click to expand...
Click to collapse
Damn, I really got to stop typing long crap like that on my cell phone. I need punctuation damnit.

I tried it a while back at Best Buy, especially since Google is handing out a free $10. Yeah, it's nothing special, but I like the idea of keeping some cash on there in case I ever leave my wallet at home. I've gone out of town on business before only to get 2 hours down the road and realize I don't have my wallet. I NEVER leave my phone. It's a good option to have.

psychoace said:
Damn, I really got to stop typing long crap like that on my cell phone. I need punctuation damnit.
Click to expand...
Click to collapse
I've seen much worse
Sent from the MIUI powered E3D

Deanwvu said:
I do not see the appeal.
It's just as easy (easier, really) to swipe a credit card.
I do not see the advantage of making a purchase process more complicated--NFC requires a powered, active, working phone. What if the phone crashes? What if the battery dies?
A credit card is solid state, requires no power, and is usable just about anywhere...
Am I missing something?
Click to expand...
Click to collapse
It's because you're now old school.
Don't worry I argued this same point - there's not much appeal when I have to carry a wallet anyway for my ID and some cash for places that charge for credit cards. Google wallet takes more work than paying for a card for me.
But I could see this being a fundamental shift in payment for younger generations who might have a phone but no real need for a wallet - who will grow up used to this system.
The real issue at the moment is battery life, I'm sure 5-10 years from now week+ battery life will be the norm and using phone for everything will become acceptable. Phones will also not be so fragile (cough iphone) so it will be as reliable as a piece of card (or almost).
Personally though, I think an NFC card would be way more convenient. It could be the size of a credit card, with a touch screen interface that lets you use it for payment or as a driver's license. But this kind of tech is probably at least 10 years away.

Can I ask you guys which method is the best one out there ?
I do have root.
http://forum.xda-developers.com/showthread.php?t=1365360
or
http://forum.xda-developers.com/showpost.php?p=20404813&postcount=350

I think I'm a little confused by wallet. I know it wasn't inclued out of the box because of Verizon. I was able to download it from the market, install and activate it. I have the $10 and went to test it. I went to pay and the phone said sent but did not display the merchant for confirmation and the merchant didn't receive it either. They are supposedly setup for it. Do I need to grab one the other APKs and reinstall or is there any ideas you guys may have? I've searched plenty and saw no mention of what I'm experiencing. Thanks for any insight.

+1
Thank you!
finally some one that sees the truth
Deanwvu said:
I do not see the appeal.
It's just as easy (easier, really) to swipe a credit card.
I do not see the advantage of making a purchase process more complicated--NFC requires a powered, active, working phone. What if the phone crashes? What if the battery dies?
A credit card is solid state, requires no power, and is usable just about anywhere...
Am I missing something?
Click to expand...
Click to collapse

Deanwvu said:
I do not see the appeal.
It's just as easy (easier, really) to swipe a credit card.
I do not see the advantage of making a purchase process more complicated--NFC requires a powered, active, working phone. What if the phone crashes? What if the battery dies?
A credit card is solid state, requires no power, and is usable just about anywhere...
Am I missing something?
Click to expand...
Click to collapse
I am on the fence, see the pros and cons with both...but eventually when the NYC MTA implements this technology broadly it would pretty sweet to use if you happen to misplace or forget your train ticket and/or metro card

For now, I have to agree. It is less convenient than just using a card.
What would ultimately be really cool is to replace all those things we're talking about with just your phone. Unlock your house, start your car, verify your identity, pay for stuff... all with one device. But until I can ditch my wallet and keys entirely, it's just another way to complicate things instead of a solution to make life simpler. Can't wait for the future!

I've now used it at about 5 different locations and it's pretty fast, with much potential. assuming you've entered your pin ahead of time, it's faster than paying with a physical card. my phone hasn't crashed for more than a month (since going to custom roms) and fcs are extremely rare. therefore it's as reliable as I expect it to be
Sent from my Galaxy Nexus using xda premium

My phone gave me fits when I tried to use Google Wallet at Rite Aid. Fortunately the cashier mived the rest of the line behind me to a free register so I could keep trying, because I had to start over like 8 times. It's a nice gimmick for now, but it won't really be practical until more businesses support it and the bugs get worked out.
Terminators run on Android

I see the appeal in that my phone is quickly becoming my life "tool"
First it integrated my iPod/music player, now does movies, now does hand held games, mobile web browser and email means its now used for work purposes... replicon now has timesheet app so it also records my time in/out of a job......google wallet is now what I use to pay for groceries at the store instead of carrying my wallet in my pocket and possibly loosing my wallet... if my phone is lost, they have to go through 3 passwords before getting to my wallet.
Im thinking more of it as a "why not"... my phone is becoming more and more useful

out for a run with only my phone, need a drink, run into cvs, swipe phone

I used it at 7-11 yesterday just to test it with the free $10. It worked flawlessly but I don't see replacing my wallet until everyone accepts this interface.
I would use it more now if I was able to add my Wells Fargo debit card. Hopefully the ability to add any type of debit/credit card will be the next stag of evolution for this service.
Sent from my Galaxy Nexus

One advantage is that you can see all your previous transactions electronically more conveniently (not having to log into your credit card account, or wait a day or two before the transaction showing up there).
Another advantage is that coupons and deals can be used more easily. For example, right now if you go into Google Wallet, you can choose offers like 15% off entire purchase at Gap & Banana Republic when you pay with NFC. The offers are pretty limited right now, but I reserve my judgement until Google Wallet or Isis (Verizon/AT&T/T-Mobile NFC payment system) take off.
In principle, it is more secure since even if you lost your phone, with your phone unlocked, other people can't use it for NFC payment since it requires an additional PIN code. But then of course losing the phone itself probably costs a lot too...
If Google Wallet or Isis gain traction, more credit card companies will jump in. And hopefully that means you can add more credit cards can be stored on your phone, eliminating the need to carry a number of physical cards.
Oh... and it saves a lot of time for a typical female not having to find an additional item in their over-stuffed purses.

Related

NFC - The one reason that I'm slightly jealous of the Nexus S...

So, with the Nexus S officially released, I am ever so slightly jealous of only one thing: NFC. To be perfectly honest, I think my Mozart does everything else better than the latest "Google Phone", but NFC is something that I've been drooling over for probably about 3 years, having seen it all over Japanese websites/tv.
Damn it I can't wait for some sort of NFC solution for us! http://twinlinx.com/mymaxsticker.php is probably our best bet (once it comes out), but it's not the same as having the function integrated into the hardware...
Who else can't wait for NFC to really take off? ^__^
Alex
No one, I personally dont see the big deal. To be honest, never heard of it until today.
vetvito said:
No one, I personally dont see the big deal. To be honest, never heard of it until today.
Click to expand...
Click to collapse
0__0
A year ago, there were 25 million people with NFC on their phones. It's beyond huge over there! I'm really surprised that you haven't heard about it! The vast majority of shops there have nfc readers at tills as well, effectively allowing you to leave your wallet at home, and only carry your phone
Damn it this excites me!
I didn't hear of it until today, either.
And neither has anyone I know.
N8ter said:
I didn't hear of it until today, either.
And neither has anyone I know.
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Click to collapse
Are there *no* NFC type services in the US at the moment? :S Not even Oyster cards like we have here in the UK for public transport? :S
^ Not that I know of, like I said earlier, never heard of it until today.
We do have several NFC services here in the US. Just nothing that is very popular nor is it outwardly billed as being NFC. Each implementer brands it with their own name.
https://www.speedpass.com/forms/frmSpHome.aspx , for example
^ I have that little thing for Exxon. That's what this is? Another form of a credit card?
In korea they use it for everything...they can use it as cash (pay for things at shops, taxis public transport) but also you can save credit cards to the chip and you can just carry your phone around and have all your bank cards on it (only works in banks and ATMs)
also in some schools they use NFCs for student ID as well..
pretty amazing tech..it's still to take off fully but still light years ahead of most other countries...
don't worry America, once apple put in an NFC in their new iphone people will get so overly excited and think Apple invented it! and everyone will use it blah blah!
I think London is thinking of replacing the oyster card for NFC, right?
i think i prefer to keep my credit card seperate from my phone... it's one thing to steal my phone, or my card... but to steal them both in 1 hit... not my cup of tea.
GenkaiMade said:
Are there *no* NFC type services in the US at the moment? :S Not even Oyster cards like we have here in the UK for public transport? :S
Click to expand...
Click to collapse
Crime is more prevalent here in the USA than in Japan. With such tech on our phones and being relied upon, it's like a Christmas party for ill mannered hackers.
somethings i prefer seperate
credit card is easier to replace than a phone
if that phone gets hacked by some virus (not very likely but still) im f*cked.....
I don't see this (NFC) taking off in the U.S. anytime soon, even if it's on iPhone 5 (which I don't think it will be given Apple's penchant for great implementation and user-experience).
Before it gets adopted in the U.S. by phone manufacturers, it also has to be adopted by all of the U.S. retailers in orders to be of any real-world use. What's the likelihood of that happening within the next generation or two of smartphones?
the thing is when you get mugged, the mugger isn't gonna say you can keep your credit cards but imma steal your phone..he'll just try take the whole lot, right? any muggers care to share?
and how many times have you all been mugged?? the US must be worse than I thought!
for using credit cards on NFC I think you still need to input your pin each time anyway so i reckon it will be just as safe (if not safer) than physical credit cards..
also if you keep in mind that most phones that are coming out have phone tracking built in, i think NFC is the way forward!
hboos said:
the thing is when you get mugged, the mugger isn't gonna say you can keep your credit cards but imma steal your phone..he'll just try take the whole lot, right? any muggers care to share?
and how many times have you all been mugged?? the US must be worse than I thought!
for using credit cards on NFC I think you still need to input your pin each time anyway so i reckon it will be just as safe (if not safer) than physical credit cards..
also if you keep in mind that most phones that are coming out have phone tracking built in, i think NFC is the way forward!
Click to expand...
Click to collapse
lol jump to the worst case scenario... mobile phone theft is a lot easier to do and tends to occur without the owner knowing. this is more common for females unfortunately. If you've ever used a NFC enabled credit card, you would know that a PIN is not required for purchases under a certain amount (here in Australia it's $100). I can do a lot of shopping with limits of $100... Sure they'll all be small items, but I can still purchase A LOT before the end user knows. Trust me, I've done it to friends a joke, merely walk past them whilst their iPhone is lying next to them, and walked off with it. They didn't even notice. People are a lot more cautious with their wallets than they are their mobile phones.
The Gate Keeper said:
lol jump to the worst case scenario... mobile phone theft is a lot easier to do and tends to occur without the owner knowing. this is more common for females unfortunately. If you've ever used a NFC enabled credit card, you would know that a PIN is not required for purchases under a certain amount (here in Australia it's $100). I can do a lot of shopping with limits of $100... Sure they'll all be small items, but I can still purchase A LOT before the end user knows. Trust me, I've done it to friends a joke, merely walk past them whilst their iPhone is lying next to them, and walked off with it. They didn't even notice. People are a lot more cautious with their wallets than they are their mobile phones.
Click to expand...
Click to collapse
I'll thank you to return both my phones back to me...my Samsung Focus and Dell Venue....also throw in my Galaxy Tab, if you don't mind...for some great Angry Birds action....
MartyLK said:
I'll thank you to return both my phones back to me...my Samsung Focus and Dell Venue....also throw in my Galaxy Tab, if you don't mind...for some great Angry Birds action....
Click to expand...
Click to collapse
hahaha, what phone(s)?
The Gate Keeper said:
lol jump to the worst case scenario... mobile phone theft is a lot easier to do and tends to occur without the owner knowing. this is more common for females unfortunately. If you've ever used a NFC enabled credit card, you would know that a PIN is not required for purchases under a certain amount (here in Australia it's $100). I can do a lot of shopping with limits of $100... Sure they'll all be small items, but I can still purchase A LOT before the end user knows. Trust me, I've done it to friends a joke, merely walk past them whilst their iPhone is lying next to them, and walked off with it. They didn't even notice. People are a lot more cautious with their wallets than they are their mobile phones.
Click to expand...
Click to collapse
ah that makes sense...
in korea they have NFC in the phones and you can use it for cash (comes out of your phone bill) for small payments and withdraw cash from ATMs (via stored bank/credit card) after you insert PIN
i didn't realise you can get credit cards with NFC on them..
well in that case, I am back on the fence about this one
I have my HD7 but I am tempted to sell it and buy the Nexus when it comes out. Trying to be patient with WM7 and it has a lot of potential but I think it might take a year or so to get up to IOS or android. The nexus S could hold me over till then
in a year wp7 if its doesnt fizzle may have overtaken ios, and android at their current stages and at its current rate of growth ( its been out about 2 months, and a update already in testers hands) in less than four months it will almost catch up, and about 6 months from that it'll have things that they dont. Who know maybe by then ios will be playing catch up to wp7, 6.5 already had some thing thats why alot of us have the hd2,in a way theyre playing catching up to us with exception of stability and speed. Now that we have stability, etc, all they have to do is put back what they took out, add apps which they are doing, and walla. Windows Phone is on top again. Nothing last forever, not even apples domination.

[Q] Card swipe?

I have been kind of doing research on this but so far, no luck.
The other day I was talking to my friend when I started making fun of him for owning an iPhone (I'm very anti-Apple) and then started making fun of him even more when he melted his phone next to a BBQ.
I started telling him about how he should ditch the overpriced phone and go with an Android when he started telling me why he couldn't.
From what I understand, he has an attachment on his phone where he is able to swipe credit cards for fast and easy payment (he's a DJ). Now as far as I can tell, the Epic does not have an attachment such at this but after scanning the market, I found a few credit card apps where...if I read right, you can just use your camera to take a picture of the card and make a payment that way.
I am looking into this because aside of my normal job, I run a small tractor for my dad and I suggested that he try and offer a way to allow his customers to pay with a card rather then have them waiting for a bill, then in turn, waiting for them to send a check.
If for some reason I missed this in the forums somewhere, I apologize
Square does this. I believe they take 2.75% of every transaction.
There are no monthly fees.
My photographer friend uses this on his Android G2
The attachment is the same for android as it is for iphone.
http://squareup.com/
Yep...Square. Awesome service and they even send you a plug in card swiper. It plugs into your headphone jack and collects card data into the app. Love, love square.
Wow...this is perfect! The no monthly payment really sold it to me. I'm honestly not sure how often we're going to use it and I didn't want to pay the monthly if we're just going to use it a hand full of times a year.
Thank you very much. I'm going to read more into this

Google Wallet

What can we do to get GW accepted in more places? Or places that take paypass to get the darn machines working??? :banghead::banghead::banghead:
Sent from my Galaxy Nexus using xda premium
Use it. That's about it. To be honest though, there really isn't a big demand for the technology at the moment. Few people have devices that can use the technology, and fewer still actually bother with it even if they have a capable device. The physical wallet isn't going anywhere anytime soon because it contains many things that your phone probably won't be privy to for a long time. Why bother with Google Wallet when you can just as easily pull out the credit card that your google wallet uses anyway, and not have to worry about whether or not the place you're at has NFC support?
I would LOVE for Google Wallet to catch on (and get a few more features <.<; ) and I think it will-- in a few years. For now, however, Google Wallet hasn't really proven itself to businesses and the average user as anything more than a gimmick.
I won't even bother using it until I can link it to my debit card.
More and more places accept paypass all the time. Google wallet isn't the only thing that uses it btw. I've never had an issue with a paypass machine myself.
I FINALLY found a place in my town where it works. It was a McDonalds, heh. Too bad I almost never go to McDonalds....
lordkaosu said:
I won't even bother using it until I can link it to my debit card.
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Click to collapse
This I would like to link it to other cards other then citi cards....
Sent from my PG86100 using xda premium
The feature I like the best is that it's not linked to my atm/debit card or my personal credit cards. That its only linked to the Google card and I have to put money into it makes me feel very safe and secure. I would have never activated Google wallet if it linked to my personal banking and credit info. This is by far the safest rout.
Sent using a cell phone....
Linking it to debit would help acceptance a lot I think. And perhaps digital ids but that may be a ways off unless governments step in and push that. But as is, it is probably too easy to hack, fake or manipulate digital ids. But it would be sooooo freaking awesome to get other cards working with this tech. Car insurance, health insurance, club, grocery store cards/ids. A true digital wallet would be awesome. Would have to get a leather case for my nexus then.
let it be.
@rbiter said:
Linking it to debit would help acceptance a lot I think. And perhaps digital ids but that may be a ways off unless governments step in and push that. But as is, it is probably too easy to hack, fake or manipulate digital ids. But it would be sooooo freaking awesome to get other cards working with this tech. Car insurance, health insurance, club, grocery store cards/ids. A true digital wallet would be awesome. Would have to get a leather case for my nexus then.
let it be.
Click to expand...
Click to collapse
Nah ductape case is better LOL jk
Sent from my PG86100 using xda premium
Like another person said the acceptance of Google wallet isn't the issue it is updating them because I think MasterCard only card that some have built-in got lectured at wall greens that they won't turn it on but what's point in having it displayed anyway next iPhone 5 is supposedly going to have it so demand should increase and public awareness of it should increase I swear one place kept hitting cancel on me on purpose because they thought I was scamming them.
Sent from my Galaxy Nexus using Tapatalk 2
Was able to link my food stamps to it. Been on a spending Bender ever since.
Went straight to the strip club where, surprisingly, they have pay pass. Then off to cigarette depot for some smokes. Bought me a carton, no more loosies for me. After that, got some lotto tickets @ 7-11. Then off to white castle.
I even got enough left on my "IL Link" card that I can sell the rest of the funds to one of my baby mommas for fifty cent on the dolla.
Sent from my Galaxy Nexus using XDA
rboone18 said:
Like another person said the acceptance of Google wallet isn't the issue it is updating them because I think MasterCard only card that some have built-in got lectured at wall greens that they won't turn it on but what's point in having it displayed anyway next iPhone 5 is supposedly going to have it so demand should increase and public awareness of it should increase I swear one place kept hitting cancel on me on purpose because they thought I was scamming them.
Sent from my Galaxy Nexus using Tapatalk 2
Click to expand...
Click to collapse
That's probably another "issue". If iPhone doesn't have it is no good or not cool.
let it be.
Basically companies have to pay for the machines that they use to accept credit cards etc. The only way for this to get HUGE and FAST is for Google to become contracted with certain businesses to provide them with these PayPass scanners, even if they have to produce their own Google Branded versions. This way they have control and can distribute them. Otherwise ATM we are stuck with places that have the PayPass machines. Most companies go cheap and get those ugly looking grey plastic card machines that aren't very advanced, just for the fact they are cheap. Google will have to make the move though, businesses will not pay the dough to switch to these machines.
thos25 said:
After that, got some lotto tickets @ 7-11.
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Click to collapse
Lol, I'm up to around 170ish transactions using Wallet at this point, but the one thing I can never buy is Lotto tickets at 7-11. They tell me you can't buy them with a credit card.
I use mine all the time...
McD's, 7-11, CVS and even Whole Foods. There's an app for MC Paypass locations and I've found everywhere that's on the list generally accepts them. I have to agree with it being limited. Google Wallet needs to stop treating this like a hobby and add cards other than Citibank. GW needs to mature a lot before ISIS or even Apple arrives on the scene.
---------- Post added at 04:45 PM ---------- Previous post was at 04:41 PM ----------
krichek said:
Lol, I'm up to around 170ish transactions using Wallet at this point, but the one thing I can never buy is Lotto tickets at 7-11. They tell me you can't buy them with a credit card.
Click to expand...
Click to collapse
LOL... I've heard the clerks tell people they can't use credit cards. I just ambush them and hit the terminal with my phone and if they ever say anything I can just show them the pic of the GW Prepaid and point at the "DEBIT" in the graphic. After all I can't control how their POS terminal processes it and by the time they notice it's too late.
krichek said:
Lol, I'm up to around 170ish transactions using Wallet at this point, but the one thing I can never buy is Lotto tickets at 7-11. They tell me you can't buy them with a credit card.
Click to expand...
Click to collapse
clearly you aren't on food stamps or you would know how to work those angles. Lol.
And, I was being sarcastic about everything I said. just to make sure everyone knows. But you can bet that someone will figure out how to link their food stamps to this. Here in Illinois food stamps are on a debit card called "Illinois link". And like most states, there are people who use them that know how to work the system to get all sorts of crazy stuff.
This morning I was at the gas station behind a guy who used his link to buy candy and soda not just for him but for his buddy too. Wearing 200 Jordans, gold chains, about 250 worth of clothes on, a gold grill, and diamonds in his ears. Talking on an iphone 4 the whole time. Then watched him get into his relatively new Lincoln Navigator with 20+" wheels. Then I had the privilege of following him on my way to work. His stereo booming the two blocks until he pulled into the govt housing authority homes, where I wouldn't be surprised if he lived.
So...I guess that probably contributed to my sarcasm this morning.
At any rate, won't be surprised if food stamps are on Nfc within a year or two.
Sent from my Galaxy Nexus using XDA
thos25 said:
So...I guess that probably contributed to my sarcasm this morning.
At any rate, won't be surprised if food stamps are on Nfc within a year or two.
Sent from my Galaxy Nexus using XDA
Click to expand...
Click to collapse
Hate to say it, but that is a way for nfc to get a big push. Otoh, nfc is usually in high end phones, even subsidized ones so the other side of the equation is "dafuq?"
let it be.
Wilsonium said:
Google Wallet needs to stop treating this like a hobby and add cards other than Citibank.
Click to expand...
Click to collapse
They would love to but if you don't have cooperation, then it can't happen. Too many of those companies are trying to compete with GW so they will not allow it.
thos25 said:
clearly you aren't on food stamps or you would know how to work those angles. Lol.
And, I was being sarcastic about everything I said. just to make sure everyone knows. But you can bet that someone will figure out how to link their food stamps to this. Here in Illinois food stamps are on a debit card called "Illinois link". And like most states, there are people who use them that know how to work the system to get all sorts of crazy stuff.
This morning I was at the gas station behind a guy who used his link to buy candy and soda not just for him but for his buddy too. Wearing 200 Jordans, gold chains, about 250 worth of clothes on, a gold grill, and diamonds in his ears. Talking on an iphone 4 the whole time. Then watched him get into his relatively new Lincoln Navigator with 20+" wheels. Then I had the privilege of following him on my way to work. His stereo booming the two blocks until he pulled into the govt housing authority homes, where I wouldn't be surprised if he lived.
So...I guess that probably contributed to my sarcasm this morning.
At any rate, won't be surprised if food stamps are on Nfc within a year or two.
Sent from my Galaxy Nexus using XDA
Click to expand...
Click to collapse
I work with the side of providing free services to some of those people and the best part is a fair number of them tend to be the most demanding and presumptuous people I've met... just plain rude. Not sure what it is about paying for something that makes you nicer. Maybe we just don't appreciate something as much if its free. This doesn't apply to everyone but I see it often enough that it bugs me. Okay I'm done with my rant haha
Sent from my Galaxy Nexus using XDA
fatttire said:
I work with the side of providing free services to some of those people and the best part is a fair number of them tend to be the most demanding and presumptuous people I've met... just plain rude. Not sure what it is about paying for something that makes you nicer. Maybe we just don't appreciate something as much if its free. This doesn't apply to everyone but I see it often enough that it bugs me. Okay I'm done with my rant haha
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Click to collapse
I hear ya. I used to live directly across from govt projects. I would always see aarons and rent a center trucks there dropping off big screen TV's. I even see several 50"+ televisions on the trash curb. Aside from that it wasn't a horrible place to live. if you don't mind loud music, large groups of 50+ people fighting with everything from broom sticks to tire irons, and weekly shootings that is.
But yeah. My sister is a cashier @ Walmart a and says a large portion of the people are rude. I've seen it myself standing in line behind many of them.
And don't get me wrong. A good deal of those people are in legitimate need of assistance. They are grateful for the help and do what they can to become self sufficient as time goes on.
But a significant portion of the people are not deserving, are rude, dishonest, and generally don't deserve anything they get.
and as for the comment about how putting food stamps on these devices would probably drive Google wallet. It probably would. And even though it is only on high end phones, you can bet your bottom dollar that a lot of people on welfare have high end phones.
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Is Apple partially right?

Ive been thinking over this past couple days over a few things since the launch of iphone 5. One thing which caught my attention was lack of NFC in iphones 5th edition.
So I have NFC in my GS3 and its a cool feature to tell people about but I havent used it for anything. It's an upcoming technology and for now its nothing more useful than playing with nfc tags (which is fun). But would lack of NFC hurt anyone. How much would u have missed it if it wasnt in ur GS3?
I know some of us have been able to hack gwallet but i dont think a company like samsung makes decison based on some of us who can fully utilize a technology
(If u dont like my qn dont hate me, dont call me isheep or other names as ive never owned any iphone)
Looking for a healthy discussion
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I haven't used it either. Don't feel bad its not that big of a deal. What's the point of putting technology in a phone if it can't be used in practical life situations.
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the people that work at Apple are smart. Their stock is up right, now. But, they are on their way out.
They don't have the vision. Especially without Jobs to keep the public happy overpaying for apps and songs
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Well, I think NFC is an upcoming technology, and like any other before that, the success of a new technology depends on various factors such as adoption rate, business value added, ease of use, and the support of technology consumer in his case merchants and end user.
If Apple put NFC in their latest iphone, that will boost the adoption rate as like it or not they have millions users. However even without apple's support of NFC, if most of other smartphone manufacturer especially android put NFC in the phone and merchants start to accept NFC as mode of payment, I believe apple will put NFC in the next release of iphone.
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It's better to have it not need it.. than to need it not have it..
What bad is it doing us?
Very good point but I guess apple likes to prepare its user for an upcoming technology and then gradually guide them into its usage and then make money off of them, which they r doing thru passbook. Which isnt a bad way of selling a service coz my 60 yr old dad wont understand nfc netime if I throw my gs3 at him.
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I love NFC. I use my Google wallet wherever I can and using android beam is really cool.
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thanks but no thanks. I dont need it and dont want it. If your that lazy that you cant carry a wallet , you deserve to have your financial and personal data stolen which can happen if you lose your phone. you dont even need to have your phone stole for your info to get stolen. It happens all the time eith nfc chips on credit cards.
kobe4rings said:
thanks but no thanks. I dont need it and dont want it. If your that lazy that you cant carry a wallet , you deserve to have your financial and personal data stolen which can happen if you lose your phone. you dont even need to have your phone stole for your info to get stolen. It happens all the time eith nfc chips on credit cards.
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Click to collapse
Well I pray to God that doesn't happen and thankful it hasn't. So far I am enjoying my NFC chip
Sent from my SGH-T999 using Tapatalk 2
kobe4rings said:
thanks but no thanks. I dont need it and dont want it. If your that lazy that you cant carry a wallet , you deserve to have your financial and personal data stolen which can happen if you lose your phone. you dont even need to have your phone stole for your info to get stolen. It happens all the time eith nfc chips on credit cards.
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Click to collapse
You could make an argument like that about anything. If you take vitamins for instance, I could say "If you're too lazy to eat the proper foods to get your vitamins, you deserve to die of malnutrition".
Back on topic, I don't ever use NFC but mainly because no one accepts it. Apple could have changed that, it'd have been a "magical" and "revolutionary" new technology.
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I don't have an S3 but I do know a little bit about the nfc card. As stated people who know what they are doing can steal your info from the chip. But the answer is aluminum. The chips cannot be read through it. Just like the "Aluma-Wallets" shown on tv, and the aluminum and tin mixture that is used prevents any connections to the chip. If someone could come out with an aluminum case for the S3 (there may already be one knowing this flaw) the chip would be safe. Or even a belt holster, that way you can still use the function of it but only when you want to.
Tweaked 3.0 and Transparent ICS 5.0 Beta
kobe4rings said:
thanks but no thanks. I dont need it and dont want it. If your that lazy that you cant carry a wallet , you deserve to have your financial and personal data stolen which can happen if you lose your phone. you dont even need to have your phone stole for your info to get stolen. It happens all the time eith nfc chips on credit cards.
Click to expand...
Click to collapse
Google Wallet ins't broadcasting your CC data over NFC all the time; you have to login to it and select the card you want to use. Then you swipe your phone by the reader and confirm the charge on the screen.
If my phone is lost/stolen, I have a PIN to login to the phone, another PIN to activate Google Wallet, and Cerebus running under root to allow me to remotely find it, take pictures of the person holding it, and wipe the phone's internal and SD memory; I don't have any kind of that security on my $10 wallet.
I would also much rather use NFC for purchases than to hand my credit card over to a restaurant server and let them go in the back and take pictures of the front & back of it with their cell phones.
And if you have a good enough bank it takes 5 minutes on the phone to put those funds right back where they belong if someone stole your credit card information from your phone like that. I stopped carrying cash 6 years ago. If this technology takes the only thing I'll need to carry is my phone with my driver's license wedged in the case.
Credit card data isn't stored on the phone. Purchases are authorized through a virtual Mastercard through Google and then Google processes that payment to your card. Your personal CC info is never transfered from the NFC on your phone.
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kobe4rings said:
thanks but no thanks. I dont need it and dont want it. If your that lazy that you cant carry a wallet , you deserve to have your financial and personal data stolen which can happen if you lose your phone. you dont even need to have your phone stole for your info to get stolen. It happens all the time eith nfc chips on credit cards.
Click to expand...
Click to collapse
What if you loose your wallet? To use Google wallet you need a pin to log in, plus Google wallet it's not on all the time, you need to log in and choose which card to use, but if you loose your wallet, most places don't ask for I'd so they can use the crap out of your card before you realize you lost it.
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I Definitely Think nfc is still a burgeoning technology, that just hasnt hit its stride, but its picking up, and now is the right time to have it, as its adoption rate will build over the next two years... The general life expectancy or our phones.
The thing ng with apple is they dont take risks ... They are slow and safe to adopt, and usually only do it, after a technology and its usefulness have been proven. Theyre strength is their ability to take a proven technology and reinvent it in away that is simplified and easy to use for the masses. So they wont take a risks on nfc yet... But they are slowly building the services to rely on it, once they do deploy. And deployment will only be after devices like ours have proven its usefulness.
That said, i myself am weary of using it for cc purposes... But i love it for other purposes such as data transfer, i.e. Android beam, S-beam, etc... Ive found them very useful and have used my nfc chip ti share data from my device to others with ease, more often than i expected. Also i believe with nfc, itll make wireless charging our devices possible, and im waiting to try that as well... So even w/o the cc stuff.. Nfc is proving itself to me everyday... Its just up to the user to determine the best use of it, for themselves.
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Much like every other new technology... why spend (and waste) money implementing it when it'd be nothing more than a novelty with no practical use. It's the reason they just now added LTE to the iPhone; until now no company has had a respectable LTE network. Apple doesn't need to gamble.
Back to the topic though, NFC is useless right now. It's nothing more than a novelty that you need to go out of your way to use on a daily basis. I absolutely love the idea of never having to carry a wallet again and would definitely adopt NFC into my day to day life... once the technology is mainstream.
Apple tries to dictate what people need...
Also i believe with nfc, itll make wireless charging our devices possible, and im waiting to try that as well...
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Click to collapse
Third party charging pads may already be available, they come with a new back cover to make it work.
What bothers me about this post is the fact that one piece of technology is being judged over an entire list of more important key advancements that clearly makes a huge difference between the two devices. I'm not trying to sway anyones thoughts and im not going to point out the obvious but to isolate one feature and try to get people to ground the future development if it is underhanded.
In a year from now if NFC takes off and is supported everywhere Apple will change their tune and add it themselves with a better encryption feature of some sort and claim that NFC is only better due to Apple supporting it. Either way it comes down to what company finds it more relevant and who puts a better twist to the advertisement, what most people don't read is the fact its not new technology at all and agencies have been using it for years.
I don't know but its all drama no matter how its brought up it all depends if you the user can use it and if it makes your life easier, just the fact that you can put your medical info on it and hospitals can scan it in the event you can't speak for yourself at the ER makes a huge difference in my book.
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Suggestions for a SINGLE app to handle all my wallet garbage

I want to store credit cards i rarely use, driver's license, loyalty cards, medical insurance cards, etc etc etc.
It sucks google missed the boat by not supporting stuff in wallet outside of credit cards because i would love to use that to stick all my kroger, walgreens, etc loyalty cards in and not have to install anything else.
what are other people using? lemon? i'd rather not have to install ANYTHING else, but if i do, i want it to be able to securely lock up all the stuff i dont want to carry around with me.
what are other people using who dont like carrying a wallet around with them?
nyvram1 said:
I want to store credit cards i rarely use, driver's license, loyalty cards, medical insurance cards, etc etc etc.
It sucks google missed the boat by not supporting stuff in wallet outside of credit cards because i would love to use that to stick all my kroger, walgreens, etc loyalty cards in and not have to install anything else.
what are other people using? lemon? i'd rather not have to install ANYTHING else, but if i do, i want it to be able to securely lock up all the stuff i dont want to carry around with me.
what are other people using who dont like carrying a wallet around with them?
Click to expand...
Click to collapse
I'm presently using LastPass, and ponied up for a year's subscription. You can do a two week trial to decide whether it's worth it to you or not. I dig it, and there are mobile and PC versions. That said, it's the only one I've ever used.
https://lastpass.com/
CMNein said:
I'm presently using LastPass, and ponied up for a year's subscription. You can do a two week trial to decide whether it's worth it to you or not. I dig it, and there are mobile and PC versions. That said, it's the only one I've ever used.
https://lastpass.com/
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Click to collapse
How are you actually using LastPass to digitize your wallet? I've been a paying LastPass member for almost two years now. I love it and all, but I don't seem to recall LastPass having features to digitize cards and stuff.
Southrop said:
How are you actually using LastPass to digitize your wallet? I've been a paying LastPass member for almost two years now. I love it and all, but I don't seem to recall LastPass having features to digitize cards and stuff.
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Click to collapse
It's under Secure Notes - you can choose Credit Card as an option. I believe you can also attach an image to it, if you'd like to take a picture of your physical card as well.
i like to know if i'm at the next '10 cents off' range on my kroger card.
do either of these apps accurately show you your kroger points as well? i see kroger has an app that does that..does keyring or lemon or lastpass provide this info or do they just store the loyalty id #?
bts0004 said:
It's under Secure Notes - you can choose Credit Card as an option. I believe you can also attach an image to it, if you'd like to take a picture of your physical card as well.
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Click to collapse
Ah I see. Come to think of it, I've never actually used the Secure Note feature. Looks like it could be useful, but I don't think I could be bothered to add all my cards lol
nyvram1 said:
i like to know if i'm at the next '10 cents off' range on my kroger card.
do either of these apps accurately show you your kroger points as well? i see kroger has an app that does that..does keyring or lemon or lastpass provide this info or do they just store the loyalty id #?
Click to expand...
Click to collapse
LastPass seems to simply store textual information and an optional image. As far as I can tell, there is no system that checks balances or point totals.
there is a kroger app that does it :banghead: but i was hoping for something to avoid that.
looks like w/ all the coupons that kroger app might be worth installing anyway in addition to giving me the monthly balance on my points (since they reset every 30 days)
nyvram1 said:
I want to store credit cards i rarely use, driver's license
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Click to collapse
I'll stop you RIGHT there... Yes, there are apps that will store loyalties and credit in one bundle, a couple mentioned here are quite good...
Your driver's license though?!?! Sorry man, until the government endorses an "App" that allows it, you're not giving that card up anytime soon. I don't think there's a Cop on the planet that would take your word that an image of your license on your phone couldn't be altered and is just as good as the hologram embedded copy-proof ID that the government issues to avoid fraud. haha
I'll stop you RIGHT there...
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Click to collapse
ok fair enough. i know the driver's license isn't kosher...but if they're just looking it up to see if its legit anyway what is the point of the little plastic thing?
ok that aside (and yeah i know its needed to get into bars)..i still want to store everything else if possible.
like my HSA debit card..i rarely if ever pull that out except to pay a bill when i'm sitting in my office and i'm just reading the stupid card anyway. rarely if ever use it in real life.
oh and 100 posts woo hoo.
nyvram1 said:
like my HSA debit card..i rarely if ever pull that out except to pay a bill when i'm sitting in my office and i'm just reading the stupid card anyway. rarely if ever use it in real life.
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Click to collapse
What good does storing a debit card do anyway? I mean, unless I'm seriously missing something or misunderstanding, you're basically storing the number, expiry date, security digits and possibly a photo of it in most cases. It won't store chip data (assuming chip+pin debit card) or mag stripe info (for mag stripe cards). The only way I can see it being used after digitized is online. But you most likely wouldn't pay your bill from your phone anyway, would you?
well.its a debit/credit card.
i get these little paper invoices from clincs for my kids and i just call the 800# and give them my card # over the phone to pay them.
but i never carry the HSA card with me so having it on the phone means i should have all the numbers & stuff i need to do the bill paying over the phone.
i should point out its technically a 'debit' card since the HSA is a bank account, but i don't actually use it that way with a PIN or anything.
Here's what I use... http://goo.gl/Kc2S6
The developer is constantly updating the application and he is really open to feedback. The application allows you to add anything so that you always have it with you. The only thing I'm not sure of right now is if he lets you add pictures of the card, I think he would add it though if you suggested it. The alternative is Lemon Wallet, http://goo.gl/FVv5G
This is what i use and i love it.
http://timothyjc.blogspot.com/2010/12/wallet-for-android.html
nyvram1 said:
well.its a debit/credit card.
i get these little paper invoices from clincs for my kids and i just call the 800# and give them my card # over the phone to pay them.
but i never carry the HSA card with me so having it on the phone means i should have all the numbers & stuff i need to do the bill paying over the phone.
i should point out its technically a 'debit' card since the HSA is a bank account, but i don't actually use it that way with a PIN or anything.
Click to expand...
Click to collapse
Maybe the UK does things differently. Debit cards are basically the standard way to pay by card in the UK. Most, if not all, are visa or MasterCard and all by now should have chips in them, so it's not exactly easy to digitise. Are things different wherever you are?
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Yea, with how much fraud we have here in the States and how much banks say they want to keep your money safe, implementing chip&PIN is apparently too expensive an endeavor for us.
I just memorized my card number and leave it locked up at home *shrug*
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