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V.me by Visa coming to the Europe this autumn, cash starts begging for another chance
Visa Europe is muscling in on the European mobile payments game with V.me. The online service will allow you to store cards from different agencies (including American Express) for payments online and at NFC-enabled cash registers. It is expected to arrive in the UK, Spain and France in the Autumn, but it'll sadly be too late for it to gain any traction, since we'll have worked out how to glue PayTag stickers to our forehead by then.
Verizon's Galaxy Nexus won't support Google Wallet, reports claim (update: Verizon responds twice)
The Verizon-branded Galaxy Nexus can do a lot of things, but one thing it apparently won't offer is Google Wallet. According to Computer World, Google has confirmed that Samsung's latest flagship handset won't support its mobile payment app, largely because Verizon doesn't want it to. An earlier report from 9to5Google speculates that Big Red may have chosen to block Google Wallet because of Isis -- a competing mobile payment system that Verizon, AT&T and T-Mobile have already invested in. Despite the absence of Wallet, however, both Computer World and 9to5Google insist that VZW's Galaxy Nexus will still be a "pure Google phone," insofar as it will receive software updates directly from Google, rather than the carrier. We've reached out to both Google and Verizon for comment, and will update this post as soon as we hear back. Update: Verizon responds to the brouhaha with the following statement. We're working to provide expanded services that will provide the best security and user experience in the market around m-commerce. We expect to provide access to an open wallet when those goals are achieved. Update 2: Responding to accusations that the carrier would block the Google Wallet app, Verizon says it's not that simple. Recent reports that Verizon is blocking Google Wallet on our devices are false. Verizon does not block applications. Google Wallet is different from other widely-available m-commerce services. Google Wallet does not simply access the operating system and basic hardware of our phones like thousands of other applications. Instead, in order to work as architected by Google, Google Wallet needs to be integrated into a new, secure and proprietary hardware element in our phones. We are continuing our commercial discussions with Google on this issue.
Developers get Google Wallet on original Nexus S, squares wiping your phone with $10
Previously the exclusive phone-swiping domain of Sprint's Nexus S 4G, it now seems possible to get the wonders of Google wallet on its decidedly 3G predecessor. However, it's not an operation for the faint-hearted. If the words Cyanogen, full wipe, flash and kernel resemble white noise, it's probably worth waiting for an official release. See how the forum members at XDA Developers got their NFC wallet fix at the link below. [Thanks, John]
MasterCard demos Google Wallet, QkR platform for mobile payments
You've most likely heard plenty about NFC-capable smartphones, but little in the way of actual real-world uses for the chip. Well, MasterCard's looking to change all of that, and throw in a few innovations of its own courtesy of its in-house R&D labs and Google. Shown off at an event today, the company demoed the Google Wallet application we first learned about back in May -- which is gearing up for an official launch sometime "soon." Running on Sprint's Nexus S 4G -- with a planned expansion to multiple devices -- users can connect a Citi MasterCard account to the service, and tap-to-pay at any retail location outfitted with a PayPass station. The transactions take place as instantaneously as you'd expect, with spending alerts notated automatically in-app, as well as via text message. If you're the paranoid type or just a spendthrift, the app offers plenty of options to set spending limits, approve / block purchases via category (i.e. dining, entertainment) and enable alerts for overseas activity. Currently, the Google Wallet service is Android-only, and that's probably a direct result of the AT&T, Verizon and T-Mobile backed mobile payment rival, ISIS. But the company's also got one eye fixed squarely on the future -- scheming up alternate implementations for payment on-the-go through its MasterCard Labs division. Focusing on its QkR platform (an obvious play on QR codes), these concepts ranged from television audio signals encoded with purchase data, audible to a phone running the QkR app, or fast-food tabletops embedded with NFC and QR codes that'll allow customers to scan for coupons, order remotely and apply the discount -- all without leaving their seats. The most interesting use of the new platform, however, had nothing to do with mobile phone use and everything to do with an Xbox Kinect. Utilizing the gesture recognition tech, items could be selected on-screen by holding your hand over an item and navigating through the checkout process. We know, yet another great proof-of-concept, but tuck away that cynicism for a second -- a company representative confided to us that soft-pilot testing of QkR is already underway, with an official announcement slated in the next two weeks. And don't worry about it being a Google OS-only affair, QkR's been tested across iOS, Windows Phone Mango and even BlackBerry. Whether or not the innovative payment system'll launch with all of these mobile OS on-board wasn't clear, but we were assured there'd be at least two partners on board. Jump past the break to get a close-up view of our hands-on with the future of payment. %Gallery-133981%
AT&T, T-Mobile and Verizon give Isis mobile payment network a $100 million boost
How do you compete with Google's new Wallet mobile payment system? Well, a $100 million cash infusion certainly couldn't hurt. AT&T, T-Mobile and Verizon have plans to invest just that amount in Isis, sources told Businessweek. That sum is likely to grow, since taking on Google is no small feat, especially considering Wallet is already off the ground, with nationwide retail partners and support for MasterCard PayPass. Though Isis first made its debut last year, Google Wallet, which was announced in May, has clearly taken the lead. Isis is little more than a top-level website at this point, though with three of the nation's largest carriers providing support, it could have a chance to catch up -- especially if the carriers elect not to partner with Google, leaving Sprint as the sole wireless provider. We're glad to see some potential healthy competition for Wallet, especially considering that it was looking like Google was poised to create a monopoly. We expect much more to come on the Isis front, but in the meantime, hold on to those wallets -- cell phone payments may be in your future, but for now, paper and plastic are where it's at.
Mild-mannered RadioShack employee outs Google Wallet's launch date?
Okay, there's a possibility that our growing anxiousness for Google Wallet is distorting our perceptions. Or, perhaps we're merely days from its debut. Let's put it this way: new information from RadioShack suggests the retailer will begin accepting Google Wallet transactions on September 1st. While this fundamentally means that NFC readers will be in place -- which isn't earth-shattering news -- The Shack is one of Google Wallet's launch partners, and it seems the company is priming its employees for the revolution late next week. Like Fox Mulder, we want to believe. Worst case scenario, we now have proof that Google's launch partners are gearing up for its arrival. Hey, we're looking forward to handing over our phones to complete strangers. Aren't you? Update: We're hearing this is more likely just another retailer ramping up for a launch later in the month, so don't get too eager for something shocking to happen on 9/1. Also, of course you don't need to hand over your phone to use Google Wallet. Customer-facing NFC readers mean it can stay very much on your person and out of the hands of sure-handed, dashing, and handsome retail workers. [Thanks, Abed]
Sharp RW-T107 Android tablet packs NFC reader, will accept payments in Japan
Tools like Square's credit card reader and Apple's proprietary iOS retail system make mobile payments possible in the US, but they're hardly streamlined, or widespread. A new Gingerbread tablet from Sharp -- the RW-T107 -- sets out to simplify payments in Japan with its built-in NFC reader. You won't be using your own tablet to pay -- instead, retailers will utilize point of sale apps to process transactions, without a customer ever needing to swipe their credit card. RFID payment cards, like Sony's FeliCa, have been used throughout Japan for the last decade, so consumers are already familiar with the technology and ready to make payments. There's no word on what retailers will expect to pay to add Sharp's tablet to their checkout mix, but with the company set to release only 5,000 devices per month (and no plans to introduce them to the US), we're not planning to ditch our cash just yet.
Verizon Wireless to tie American Express' Serve into mobile numbers, keep your credit card holstered
Good news online shopaholics, your tchotchke-buying ways are getting a couple of enablers in the form of American Express and Verizon Wireless. The two titans of industry have teamed up to integrate AMEX's PayPal-like Serve platform into the operator's phones and tablets in the next few months. The service will work by linking your existing mobile number to a Serve account, speeding up the checkout process and ensuring you never second-guess that impulse buy. Sure, this isn't the NFC-chipped, Isis future Big Red promised, but it's a good stopgap for virtual spendthrifts.
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.
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.
Isis mobile payment system to work with Visa and MasterCard, shelving plans for its own network
When AT&T, T-Mobile and Verizon came together to create the Isis mobile payment system, they touted a standalone service, powered by Discover's payment network, that would revolutionize the way we make small purchases on the move. Well, the revolution is still on schedule, apparently, but the big trio is now being said to have made a concession in reaching out to the incumbent leaders in this field, Visa and MasterCard. The Wall Street Journal cites multiple sources in reporting that Isis has turned into a less ambitious "mobile wallet" project that would seek to let you use your Visa or MasterCard account via your NFC-capable smartphone. As far as the consumer is concerned, it's still the same swipe-to-buy proposition, but the move was apparently necessary for Isis "to avoid falling further behind" in the race to corner this developing market. We'd say it's encouraging to see these guys showing a bit of swiftness -- it's about time the rest of the world caught up to Japan.
Samsung Galaxy S II on pre-order in South Korea, introduces Olleh Touch for NFC payments
When Samsung teased us with those clever Galaxy S II commercials, we could feel the growing anticipation for its early UK arrival. Coincidentally, today marks an end to Britain's exclusivity, with South Korea's KT now offering the dual-core stunner for pre-order. We've learned this Korean Galaxy S II includes NFC, coinciding with the carrier's roll-out of Olleh Touch, a payment system being implemented at local grocer Lotte Mart. Sure, NFC inclusion increases the phone's thickness to 8.9mm, but if parlor tricks are your thing, we'd imagine it'll still easily pass under doorways. [Thanks, Aditya]
Discover cardholders can send money to anyone with a cell phone, email address
With NFC payment systems just starting to roll out in the US, it'll be awhile yet before you can cut up those credit cards for good. But in the present, at least, you can use your handset to make sure you don't get stuck with a $100 bar tab... again. Discover just announced that it will let its cardholders send money to people in 60 countries -- so long as they have either a cell phone number or email address. As AllThingsD notes, Visa and American Express have hatched similar plans, though Discover is the first of the bunch to partner with PayPal. While people sending money don't need PayPal accounts, people receiving moola do -- or, at least, they must be willing to create one. For senders the service is free and, in fact, they get 0.25 percent cash back for the first $3,000 exchanged. As for Discover, a smaller player than Visa and MasterCard, it hopes some of PayPal's 230 million customers will sign up for a shiny new credit card while they're at it.
Carriers at odds with RIM over NFC payment data
We've already heard a fair bit about RIM's plans for NFC-based mobile payments, but it's starting to look like some of those plans don't quite line up with what the carriers have in mind. As the Wall Street Journal reports, there's a brewing dispute between RIM and a number of carriers including AT&T, T-Mobile and Rogers over just how NFC payment-related data, or "credentials," are stored, and who actually controls that data. For its part, RIM unsurprisingly wants to store the data in a secure area of the phone itself, which would obviously tie folks to their BlackBerry more than ever, while the carriers are pushing to have that data simply stored on the phone's SIM card, which would let customers move from one phone to another more easily. While things apparently haven't gotten that heated just yet, it does certainly seem like there's a bit of a fight in store -- according to the Wall Street Journal, RIM is already reaching out to banks on its own in an effort to strike some deals, while Canadian carriers have apparently been telling RIM in a "gentle" way that "you won't be doing this."
iPhone 5 again rumored to have NFC
It's a game of rumor volleying when it comes to the iPhone 5 and Near Field Communication. Early rumors suggested the iPhone 5 would include NFC technology, but recent information from UK-based The Independent hinted Apple would launch its own NFC-based payment system with the iPhone 6. Now that we have adapted to the idea of an NFC-less iPhone 5, Forbes has charged in with another rumor that places NFC back in the upcoming smartphone. The source of this rumor is a friend of an entrepreneur who is working with Apple on a "top secret" NFC product. The unnamed individual believes the fruits of the friend's labor will debut in the iPhone 5. The source also claims manufacturers of NFC readers are preparing for a deluge of business when the iPhone 5 hits this summer. While the possibility of NFC is exciting, the Forbes report is based on second-hand information and cannot be corroborated. Yes, it is possible the iPhone 5 will include an NFC mobile payment system, but it is not a guarantee by any stretch of the imagination. Sit tight and wait for the iPhone 5 rumor mill to kick into overdrive in the next few months before you start investing in VeriFone and other NFC makers.
Apple job posting suggests NFC capability for iPad, iPhone
Thanks to Apple's job board, we may have more evidence that a future version of the iPhone and iPad may include Near Field Communication technology. A recent job listing is seeking a HW test engineer with experience in embedded systems and knowledge of various technologies including RFID. Engadget notes that the listing was changed in the past 24 hours, and the RFID in the job listing has been replaced with RF. Another recent job listing is seeking a manager for a global payment platform. Each individual will "contribute to the analysis and development of new payment types and processes for the various business units," which include iTunes, the online Apple store and Apple retail stores. The listing does not explicitly mention NFC, but one payment type new to the US and gaining momentum is NFC. After lagging behind areas like Japan where NFC technology is ubiquitous, mobile payments using Near Field Communication is poised to take off here in the US. Three of four of the major wireless carriers, AT&T, T-Mobile and Verizon Wireless, are banding together to form a venture named Isis. Isis will be a nationwide commercial network that permits mobile payments via NFC-enable smarpthones and Discover's payment infrastructure. To compete with this carrier-driven endeavor, Apple could establish its own payment network that uses iOS devices and your iTunes account to make wireless purchases. Apple could turn the growing mobile payments market upside down if it could implement such a system on a large scale. [Via Engadget, AppleInsider]
Visa gets Bank of America on board for mobile payments trial, starting in New York next month
It didn't take long for Visa to react to the three-headed beast of AT&T, T-Mobile and Verizon entering the mobile payments arena. The world's foremost payment processing company has just announced that it's about to start a trial of its contactless payment system in partnership with Bank of America. Kicking off in the New York area this September and lasting through the end of the year, the scheme will most likely involve the MicroSD NFC communicator and In2Pay iPhone case that DeviceFidelity has been developing for Visa. No disclosures are being made on the size of this pilot scheme, though we're told that only a "select" group of employees and customers will be getting the mobile payment chips. Don't worry if you miss out on this one, though, as a similar trial is scheduled to begin in October with US Bancorp. That should give you enough time to turn yourself into a high-rolling select customer, right?
Visa and DeviceFidelity working to bring mobile payment functionality to iPhone
This ain't the first rodeo for Visa and DeviceFidelity, and if we had to guess, we suspect it won't be the last. Just a few short months after teaming up to bring contactless payments to any mobile with a microSD slot, the two are at it again -- this time aiming for the oh-so-tantalizing iPhone market. Reportedly, the tandem is toiling away in an effort to concoct a protective iPhone shell with a secure memory card that hosts Vista's contactless payment app, payWave. As it stands, the product would only function on the iPhone 3G and iPhone 3GS, leaving upcoming iPhone 4G / HD / Barhopper buyers out in the cold. As with any other payWave-enabled handset, this would allow users to simply tap and go when checking out, a process that our pals over in Japan have had down for centuries now. If all goes well, market trials of the payment-enabled iPhone are set to begin this summer, or approximately six months too late for anyone to seriously care.
Apple's patent for Concert Ticket+ could change your concert experience
We know that Apple has a propensity for patenting anything that moves, and most of them don't see the light of day. But Patently Apple has written, in copious detail, about a very interesting one called Concert Ticket+. I would bet money on the likelihood of this one becoming a reality. It all starts with buying concert tickets through iTunes and syncing it with your iPhone. Then, when you get to the concert, the electronic ticket will be received either by a manned or unmanned turnstile using Near Field Communication (NFC). This is the same technology that starts a Prius without a key, or is embedded in my Lexus car key. When turning on the car, an NFC connection must be wirelessly transmitted or the car won't start. It also takes into account other methods of authentication such as bar code scanning. It doesn't stop there. Lots of other information can be provided once the ticket is registered as being collected. E-Tickets for food and merchandise discounts can also be stored on the iPhone and when presented to get a cheaper T-Shirt or soda, the amount spent can be deducted from your iTunes account. Impulse purchasing of apps has been tremendously successful and that concept can be easily transferred from the app store to the concert hall. An electronic coupon for $5.00 off a T-shirt is going to sell a lot of T-shirts. The patent also provides for value added services either free or at a price. You'd probably be able to obtain a concert schedule, lyrics to what is being played or a set-list for free, but if you want a recording of the show you've attended, that can be made available for a price.
Apple files patent application for NFC e-tickets with 'extra benefits'
Apple appears to be casting an eye out to new shores, judging by the latest of its patent applications to go public. Filed in September 2008, this primarily relates to adding bonus digital content to event tickets, whereby swiping your entry pass to, say, a concert or a sports event into an electronic device would result in you gaining access to related goodies from "an online digital content service." Additional claims describe the use of an electronic device (read: iPhone or iPod touch) as the carrier of the (digitized) ticket, allowing the user access to the event itself as well as "at least one other event-related benefit." The whole thing is focused on the use of near-field communications as the data transfer method of choice, something that Apple's hardware is not yet equipped to handle. Then again, NFC interaction is also referenced in a separate patent application (from August 2009, see WIPO link below) for peer-to-peer payments, suggesting that Cupertino might have more than a passing interest in the contactless transfer tech. What do you think, will you be buying your Steelers tickets with a side order of iTunes?