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Card.io SDK takes swipe at competition with camera-enabled mobile payments (video)
In an attempt to edge its way into the crowded mobile payments market, a new credit card scanning system is saying "ah, hell no!" to typing and swiping. Card.io is billed as an SDK that takes advantage of smartphone cameras to let devs accept credit, because, as its creators point out, "typing on mobile phones is slow, and most consumers don't have a separate hardware attachment." When it's time to pull out the plastic, Card.io gets your phone's camera going, and up pops a little green rectangle, in which you frame your card and snap a pic. Your credit card info is then processed by a third-party merchant, and the details are subsequently deleted from your phone. Can you hear that? That's the sound of our chubby thumbs breathing a sigh of relief. The Card.io SDK for iOS is now available at the source link below, and an Android version should be close behind. For now, hop on past the break for a video demo.
NetSecure Kudos Payments announced for Canada, is the half-circle to Square
Canada may be moving to polymer-based currency, but mobile payment services like Square -- which cater to classic plastic -- haven't yet taken time to trek to the Great White North. NetSecure is looking to offer similar convenience to the region with its new Kudos Payments service, which just so happens to ship with a shockingly curvy swiping dongle. Similar to Square, it creates a secure 'point of sale' without a hard-wired transaction terminal, and charges a slightly higher 2.9-percent fee to users' accounts for each exchange. Kudos has iOS, Android, and Blackberry apps to tap into the functionality and, even a version for Mac and PC -- in other words, you and yours should be suitably covered. Any roving entrepreneurs who are interested in the service will be able to snag the $49.99 kit free of charge from the company's website for a "limited time," which may or may not expire before Google decides to open its own Wallet a few miles kilometers north.
Zoosh does mobile payments using ultrasound, no NFC chip required
Zoosh. That may or may not be what an ultrasonic payment sounds like to a dolphin, but it is definitely the name of a new mobile wallet technology developed by Silicon Valley start-up, Naratte. While Google and other major players have focused on traditional radio-based NFC, Naratte has been quietly testing its ultrasound system instead, motivated by the fact that it can work on ordinary handsets without the need for specialized NFC circuitry. Two phones can "zoosh" each other using nothing but their built-in microphones and speakers, so long as they're both running the necessary app. Moreover, Naratte claims that cash tills can be upgraded to hear the sweet jangle of ultrasonic cash for just $30 -- around a third of the cost of installing radio-based NFC hardware. So who knows? The last time you came this close to ultrasound was probably just before you were born, but one day you might find yourself using it to buy diapers. Scary.
Sony Ericsson signs deal with NFC chip maker, gets ready to do the Xperia pay
If Google ever hopes to lead the mass exodus away from credit card transactions with Google Wallet, a lot more NFC-packing handsets will need to hit the market. Thus far Sony Ericsson hasn't exactly led the near-field charge, aside Japan's Xperia Acro, but it looks like that may soon change, thanks to a deal struck between the phone maker and semiconductor producer, NXP, which will bring the company's PN65 to future Android-based Xperia models. Wave your phone after the break to check out the official announcement.
Starbucks rolls out mobile payment app for Android users, java junkies
After having already introduced its own iOS app, Starbucks has now decided to bring mobile mocha payments to Android users, as well. With the free Starbucks for Android app, all you have to do is add credit to your mobile Starbucks Card, scan the app's barcode at the cash register, and that triple shot skinny latte will be yours to pound. Available on devices running Android 2.1 or above, the service will also locate all outlets within your immediate vicinity, while offering even more coffee-based incentives, via Starbucks' rewards program. Thus far, there are about 6,800 stores that support mobile payments, though the company is planning to add an additional 1,000 locations, this July. Coffeeholics can find more information in the PR after the break, and can download the app from the source link, below.
Engadget Primed: What is NFC, and why do we care?
Primed goes in-depth on the technobabble you hear on Engadget every day -- we dig deep into each topic's history and how it benefits our lives. Looking to suggest a piece of technology for us to break down? Drop us a line at primed *at* engadget *dawt* com. The introduction of Google Wallet felt a little too good to be true, didn't it? It's magical, like the tech equivalent of pulling a rabbit out of a hat. In reality, the tech behind mobile payments has been around since 2003 on a much smaller scale using near-field communications, more commonly known as NFC. The idea behind Wallet (amongst other services, like ISIS) is contactless pay -- using your phone as a credit card -- and is just one of the many ways NFC can be useful in our everyday lives. In fact, we're only scraping the surface of what's theoretically possible. Google is definitely not the first company to dabble in NFC, but it appears to be poised and ready to push the tech's adoption forward at a rapid pace with the advent of Wallet and Offers. Until now the coals have been hot; but if a fire's going to start, someone monolithic has to throw a few newspapers in as kindling -- and Google volunteered. But what good is NFC if it's just an acronym that causes our eyes to glaze over? Is El Goog the only instigator? After the break we'll focus on what NFC is capable of, and why we want it on our phones as soon as yesterday.
Paypal v. Google: a tawdry tale of trade secret misappropriation
Google and its poached Paypal employees got sued for trade secret misappropriation yesterday, but we didn't know the dirty details until now. A peek at PayPal's complaint reveals there's a bit more to the story. Apparently, Paypal and Google were in talks last year to use PayPal for payments in the Android Market. Osama Bedier was in charge of those negotiations for PayPal in October of 2010, when the deal was supposed to close, but was allegedly interviewing for a mobile payment position at Google at the same time (holy conflict of interest, Batman!). The complaint claims that Bedier initially rebuffed El Goog's advances, told PayPal of the job offer and professed that he would stay, but jumped ship a month later (bringing some PayPal coworkers with him) after being recruited by Stephanie Tilenius and the almighty dollar. Once it hired Osama, Google reportedly put the brakes on the PayPal deal and created Google Wallet. Then Google, Bedier, and Tilenius got slapped with a lawsuit. A brief rundown of the legal claims awaits you after the break.
PayPal swiftly slaps Google with mobile payment suit
Just this morning we reported on the rather jovial atmosphere at Google's big mobile payment announcement -- well, it looks like PayPal's prepared to bring an end to the celebration. According to Bloomberg, PayPal filed a suit against Google today in a California Superior Court, alleging that former PayPal executive, and one of this morning's MCs, Osama Bedier misappropriated the company's trade secrets. The suit further fingered Stephanie Tilenius, also formerly with PayPal, of violating the terms of her contract in recruiting Bedier. Though we've yet to get our hands on any clear details about which trade secrets PayPal's pointing to, we'd say the timing speaks volumes.
Google Wallet mobile payment service, Google Offers announced
It may not be as big a surprise as Google hoped it would be at this point, but the company has now officially announced its NFC-based Google Wallet mobile payment service, complete with backing from a number of retail and financial partners including Subway, Macy's, Walgreens, Toys 'R Us, First Data, Citibank and MasterCard -- plus Sprint on the carrier side. In the case of MasterCard, that partnership means Google Wallet will be fully compatible with the PayPass contactless payment system that's already widely in place today. Trials are beginning immediately in New York and San Francisco, with a full release planned for this summer. Initially, the Sprint Nexus S 4G will be the only compatible phone, but support for more phones is promised "over time," and Google even suggested that phones without built-in NFC could simply use an NFC sticker (the Google Wallet app itself will work on non-NFC phones as well). You'll also have to use either a Citi MasterCard or Google Prepaid Card with the service, although the latter can obviously be funded from any other card. Also announced today is Google Offers, which will deliver an "offer of the day" to your inbox, and let you seek out other offers from retailers. Of course, it also ties into Google Wallet, and you'll be able to both redeem offers and receive loyalty rewards from retailers with just a tap of your NFC-enabled phone. As far as Google is concerned, however, mobile payments and special offers are just the beginning for Google Wallet. It eventually sees everything from boarding passes to tickets to IDs (and even keys) being stored on your phone. Not surprisingly, all of this is US-only for the time being, but Google is apparently working on international expansion. Head on past the break for a video and the complete press release. %Gallery-124537%%Gallery-124538%
Google gets creative, names new NFC payment system Google Wallet? (Updated)
Yesterday, anonymous sources said that El Goog and Sprint would debut a new NFC payment system on May 26th -- otherwise known as tomorrow. Today, a leak allegedly from The Container Store appears to have spilled the beans on the moniker for Mountain View's mobile money method: Google Wallet. Not the most creative cognomen, but at least it sums up the service succinctly. Still, it's no Ice Cream Sandwich, but we'll find out how it tastes live at tomorrow's event. Update: Eagle-eyed reader Steve pointed out that looking up the WHOIS info for googlewallet.com does indeed lead you to Mountain View, though this was created way back in 2005. You may recall that Google Checkout was initially known as Google Wallet, as reminded by InformationWeek, but we just noticed that the URL is now plain dead instead of taking us to a Google error page, as it did minutes ago. Very intriguing.
Google and Sprint team up to take your digital dollars with new NFC payment system? (updated)
There's been rumors of a Google-fied mobile payment system for some time, and now it looks like the Mountain View crew is teaming up with Sprint to finally make it happen. Last month, we heard that the Now Network would bring NFC payments to its customers this year, and Bloomberg reports that the partnership and payment system will make its debut on May 26th. Apparently, New York, San Francisco, Los Angeles, Chicago, and Washington D.C. are the first cities getting the service, which is a much broader initial footprint than its Isis mobile payment competition. The anonymous sources also say that Verifone and Vivotech are providing the hardware and software that will let you replace your credit card with a Nexus S -- because you always wanted to replace your credit card with your Nexus S. Update: According to All things D, the payment system will be put through its paces by none other than El Goog's Executive Chairman Eric Schmidt at the D9: All Things Digital conference next week -- where we'll be on hand to peep the contactless payment presentation in person.
Square Register and Card Case hands-on
It looks like Square's little headphone jack-connected credit card reader has some company. The mobile payment startup introduced two new additions to its unique stable of payment options in San Francisco this morning that do away with credit cards, paper receipts, and even the bantam reader itself (to some degree). First up is the Square Register, an app that allows merchants to accept payments by way of the card reader or through a card-less (no, it's not NFC) tab -- like, "put it on my tab" -- system, and uses Google-style analytics to keep track of payments, receipts, and trends. The second announcement, the Square Card Case, is a virtual wallet that holds a series of "cards," each relating to a participating outlet, that let you put your purchases on the aforementioned tab. Each shop has its own virtual credit card, and enables shoppers to make and track purchases with a single click of a button. We got a chance to give the setup a try, and it's just about as simple as Square would have you believe. To get started, you make a regular, Square-enabled purchase at a participating store, at which point a text-message receipt is sent to your phone that prompts you to install Card Case -- we skipped this step, as this was just a demo. Once set up, we were introduced to the Card Case, holding cards for the participating stores -- only 50 spots in five cities, for now -- and an "Explore Places" button that offers access to a directory of participating outlets. We selected a nearby cupcake stand, clicked "open tab" and picked our poison: a miniature red velvet cupcake, in this case. The merchant picked our name from a list of open tabs, charged the tiny treat to our card, and a receipt was promptly pushed our way. After the transaction was complete, we went back to the cupcake card in the Card Case, and there was the receipt. All in all it was a painless process, but, then, so is whipping out a real wallet to make a purchase. The new Square setup is available now at 50 different establishments in New York, LA, Saint Louis, San Francisco, and DC, and the company says it will curate the list of participating stores, much like Apple does apps.
NTT DoCoMo announces 24 new mobile wonders (yes, really) to flood its network
So, Japan... want a new mobile device? How about 24? This grandiose announcement comes straight from NTT DoCoMo, which commonly lays its cards on the table for the delight of consumers. Among the selection you'll find eight new Gingerbread phones, six incredibly high-res shooters (ranging between 12.2 and 16.3 megapixels), eight waterproof handsets, and one embedded with Swarovski crystals. We're particularly thrilled to see the mighty Galaxy S II, 3D-capturing Aquos SH-12C, 700-nit Optimus Bright (contrastingly-named but nearly identical to the Optimus Black), ultra-slim MEDIAS WP N-06C, and mobile payment-enabled Xperia Acro. Oh, and don't forget about the LOOX F-07C -- a multi-talented handset that's running Symbian and Windows 7 Home Premium -- while two LTE-enabled WiFi routers are sneaking into DoCoMo's party, too. That's a lot to absorb, so check out the source for individual release timeframes, which begin now and continue through August -- or just check out the PR after the break.
ING Direct's iOS app adds 'bump' money transfer feature for well-heeled posses
Look, violence doesn't solve everything, but ING Direct reckons a gentle fist bump can help fix financial quarrels between you and your buddies. Recently added to the bank's iOS app is a feature that makes use of Bump Technologies' API, with which a physical bump between two active devices instantly triggers a money transfer, thus saving the sender from having to put in account details. 'Course, this is only usable for transactions within ING for the time being, so you'll have to stick to other methods for some quick and dirty mobile payments to the outside world.
Square to add encryption to mobile card reader, skimmers put on notice
It's only been a couple days since we first heard about Visa's involvement with Square, but the credit card giant is already making its mark on the mobile payment startup. At the Visa Global Security Summit on Wednesday, Square Security Lead Sam Quigley revealed that the company will distribute an encrypted card reader this summer, which will work exclusively with its mobile payment app. The current reader theoretically scans credit card data to any app, but the encrypted version will only work with Square, which should alleviate VeriFone's concern that the company was essentially distributing "card skimmers" to anyone with a social security number. Luckily, the new encrypted reader will remain free, giving Square a colossal advantage over VeriFone's Payware Mobile product, which carries a $49 activation fee, in addition to standard merchant fees. Not to mention, it isn't available in white.
iZettle's chip-reading Square competitor will take your money, no swipes required (video)
Everyone seems to be getting on board with Square's iPhone credit card reader -- Apple started selling the device in its stores last week, and even Visa has taken a financial interest in the company. However, due to the popularity of fraud-fighting chip-enabled smart cards on the other side of the pond, Square's offering doesn't quite fit the bill. iZettle has a similar solution for Europe that includes the ever-so-necessary smart card reader, which the company is launching in Sweden this June. Not only does it enable you to accept credit card payments from friends or customers, the app adds a social twist. Merchants can email a photograph and receipt to buyers, who can then share their latest spoils on Facebook. Of course, if this starts to catch on, it could make explaining that "awesome deal" you scored on a new laptop that much more difficult when it pops up on your significant other's news feed. [Thanks, David]
Square gets financial backing from Visa, asks to see some ID
Everything's coming up Jack Dorsey these days. Last week Apple started stocking Square's iPhone credit card readers in its 235 US retail locations, and now, according to Reuters, Visa has put its plastic where its mouth is. The credit card giant has invested in the personal payments startup, scoring itself a spot on Square's advisory board in the process. No word on how much Visa is actually dropping on the company, but one thing stands to reason: it probably didn't make the deposit via Verifone. If you would like to invest in a Square reader, it'll cost you a lot less -- the company is still offering smartphone plug-ins for free on its site.
Apple Stores stocking Square credit card readers
Jack Dorsey's über-popular credit card readers got a big thumbs-up from Cupertino this week. Square's devices are hitting Apple's 235 US retail locations and Apple.com for $9.95 a pop -- plus the 2.75 percent that the startup takes off the backend each time you use the reader -- or you can always just sign up for a free one over on Square's site. The iPhone / iPad / iPod touch plug-in accepts Visa, MasterCard, Discover, and yes, even American Express. The CEO of VeriFone will no doubt have plenty to say about the matter. Update: It turns out you get a $10 redemption code in the box when you buy a Square reader at an Apple store, so it is still technically free (just not, you know, when you buy it). [Thanks, Michael]
Sprint says its NFC-based payment service will launch this year, beat other carriers to the cash register
AT&T, T-Mobile and Verizon may have all lined up to support the so-called Isis mobile payment system for cellphones, but Sprint has decided to go it alone for various reasons, and it's now saying it plans to beat the others to market. As Bloomberg reports, Sprint is already working with payment networks and handset makers on its own NFC-based system, and it says it plans to roll out the service sometime this year, while Isis has previously stated that it only expects to be ready in 2012. While details are otherwise still fairly light, Sprint says that customers will be able to have purchases billed to their regular credit card statements rather than their phone bill, and that it will rely on alternatives to taking a percentage each transaction for itself as Isis plans to do. Of course, while this is Sprint's latest move in the space, it's far from its first -- in fact, it's been running NFC trials as far back as 2007. [Thanks, Carl]
Amazon said to be considering NFC-based mobile payment service
As you may be aware, Amazon does actually already make it easier for you to shop at places other than Amazon.com with its Amazon Payments service, and it now looks like it might even be thinking about expanding things to brick and mortar stores as well. More specifically, Bloomberg is reporting that Amazon is exploring a mobile payment service based on NFC technology, which would let you pay for items and receive things like loyalty points using nothing other than an NFC-equipped cellphone. Not surprisingly, Amazon is also said to be considering some other features that would send folks back to Amazon.com -- Bloomberg gives the example of someone shopping for jeans in a retail store who can't find the right size, and says that they could simply scan the jean's tag to order a pair online. Details are otherwise a bit light, and the service is apparently still not quite a sure thing, although a person familiar with the matter says Amazon will decide whether to go forward with it or not "in the next three to five months."
