Database Users

NFC bus stops in the uk

Just saw on the news that Poole have started putting in signs at there bus stops with NFC tags, that will link you to bus times for that route. Hopefully other companies will put these in place. I feel pretty please now having sns knowing that NFC is coming
Also there's a qr barcode on there aswell. It's nice to finally have the real world bringing in things us geeks like to use
Here's the link for the fulll story
http://boroughofpoole.com/children/news/ref:N4D554E6A7CF08/

Sounds awesome.
Sent from my Nexus S using XDA App

tomqman said:
Just saw on the news that Poole have started putting in signs at there bus stops with NFC tags, that will link you to bus times for that route. Hopefully other companies will put these in place. I feel pretty please now having sns knowing that NFC is coming
Also there's a qr barcode on there aswell. It's nice to finally have the real world bringing in things us geeks like to use
Here's the link for the fulll story
http://boroughofpoole.com/children/news/ref:N4D554E6A7CF08/
Click to expand...
Click to collapse
Im surprised by this, i live just outside of the oyster zones in london, and there is no news on any NFC / RFID when the oyster is plugged so hard by the London boroughs.
Personally i hate the oyster card another thing to loose and it breaks easy and has had problems with other contact less cards getting scanned when its in the same wallet / holder also i almost got taken to court because my oyster was not registerd, the shop did not give me a form to fill out nore at the time was i happy with TFL knowing my address and my journeys in a month time frame.
After this crap i refuse to use oyster as they are a bunch of jobs-worth's.
However i don't mind holding an un-registered oyster card in my phone ( some nice messing with the code to stop it using data or submitting my location e.c.t )
The idea implemented in that link, seems a bit cheap if it only links to the site of the transport service provider why bother ? someone who wanted bus times will either read the bloody sign or have the site already bookmarked in their browser.
This idea can only be good if you can pay for your journey via the phone and their was no Paper bus time table, and no matter how much tracking on busses they will never be on time and your always be left in the rain.

hutzdani said:
Im surprised by this, i live just outside of the oyster zones in london, and there is no news on any NFC / RFID when the oyster is plugged so hard by the London boroughs.
Personally i hate the oyster card another thing to loose and it breaks easy and has had problems with other contact less cards getting scanned when its in the same wallet / holder also i almost got taken to court because my oyster was not registerd, the shop did not give me a form to fill out nore at the time was i happy with TFL knowing my address and my journeys in a month time frame.
After this crap i refuse to use oyster as they are a bunch of jobs-worth's.
However i don't mind holding an un-registered oyster card in my phone ( some nice messing with the code to stop it using data or submitting my location e.c.t )
The idea implemented in that link, seems a bit cheap if it only links to the site of the transport service provider why bother ? someone who wanted bus times will either read the bloody sign or have the site already bookmarked in their browser.
This idea can only be good if you can pay for your journey via the phone and their was no Paper bus time table, and no matter how much tracking on busses they will never be on time and your always be left in the rain.
Click to expand...
Click to collapse
uh oyster is RFID?
and if you touch your oyster on your nexus (with NFC on), the tag reader can read it. its in some ISO format.
when someone comes up with a store & transmit app (if thats possible) we may be able to store our oyster on the phone and use the phone instead!

When will this spread?!

If I scan my oyster card it detects it but can't read any info it says unknown tag, we need 2.3.3 to read and write.
The oyster uses the same tech as the contactless debit cards, and someone cracked the oyster card code at some conference for TFL, so its highly possible there will be a nfc hack at some point if Google don't lock down Dec for unreliable 3rd party software
Sent from my Nexus S using XDA App

hutzdani said:
If I scan my oyster card it detects it but can't read any info it says unknown tag, we need 2.3.3 to read and write.
The oyster uses the same tech as the contactless debit cards, and someone cracked the oyster card code at some conference for TFL, so its highly possible there will be a nfc hack at some point if Google don't lock down Dec for unreliable 3rd party software
Sent from my Nexus S using XDA App
Click to expand...
Click to collapse
use a different app, like NFC Classic, a more detailed tag reader. https://market.android.com/details?id=com.pocketluxus.nfclassic
you can read the card contents.

Tryed this but it just comes back with 4 lines of codes, nothing useful really
Sent from my Nexus S CM7, While listening to IDM

Nfc as a credit card

I thought we would be able to use the nexus s as a credit/debit card after 2.3.3...... But in the write tags section, i dont see anywhere that says an option like it
:-(
~Sent from my Nexus S with Swype~

Even if NFC receives the function of credit/debit card, we must first think about in what places will they receive it. I'm sure movie theater and public big corporation markets will adopt the payment of NFC soon, but I still think we should give it sometime first.

But meanwhile I would love 2 use it where I can...most places do read nfc enabled cards. So how could ot be possible to write on a.credit card?
Maybe get the unknown file the nfc chip reads, then write it as a nfc read only file, then try to use it somewhere?
~Sent from my Nexus S with Swype~

so far, it works on public transportation.
I'm sure the adaptation to public market will come soon.

xdahd2 said:
I thought we would be able to use the nexus s as a credit/debit card after 2.3.3...... But in the write tags section, i dont see anywhere that says an option like it
Click to expand...
Click to collapse
You misunderstood. The 2.3.3 update allows DEVELOPERS to add NFC read/write capabilities to their apps. This means that VISA, Mastercard, and other credit card companies can now write apps that use NFC to process payments. We will no doubt see such apps soon.
The default NFC capabilities in 2.3.3 are just for unencrypted transactions like business card trading and such. Credit card transactions, as you can imagine, must be treated with much more sensitivity, and as such only the credit card companies can make those apps.

xdahd2 said:
I thought we would be able to use the nexus s as a credit/debit card after 2.3.3...... But in the write tags section, i dont see anywhere that says an option like it
:-(
~Sent from my Nexus S with Swype~
Click to expand...
Click to collapse
You need your bank to release an app allowing the phone to access your account and then create the transaction, PROVIDE ENCRIPTION and so on...
Think about this: if the functions has been embedded, anyone "tagging" you would be able to trigger them, let alone that you could mispressing the "pay" button
Moreover, acting as a credit card is not about writing a tag, but emulating one.
In short: is the phone that allows the shop to read your card, not you writing your bank info to their POS
Be patient

:x
Can't wait to spend money with my phone!!
I just started working, so I just opened a bank account!!!!
But then again, not so thrilled with the ongoing bugs.... "/
~Sent from my Nexus S with Swype~

sadkorean34 said:
Even if NFC receives the function of credit/debit card, we must first think about in what places will they receive it. I'm sure movie theater and public big corporation markets will adopt the payment of NFC soon, but I still think we should give it sometime first.
Click to expand...
Click to collapse
Hey there,
I live in Australia, banks are rolling-out NFC for payments <$100, they call it PayPass, and I love it. All 7Elevens have it, burger places and cinemas are leading the move as well. It's super fast, just wave your payment card, light goes green within less than a second and that's it!
My NS detects the NFC tags in my payment cards, it just says something like "unknown tag". But I thought that the NS was only a NFC reading unit, don't know if you can program a tag into it -which is pretty much what we need to make a payment I guess.
Cheers.

This was the first thing I thought of when I got this phone. Use nfc to pay for stuff. All we need is for visa or your bank to make an app then plug your card number in and done. Nfc readers are becoming very widespread, vivotech is a big one, Google them and nfc. Its only a matter of time now.
Sent from my Nexus S using XDA Premium App

Interesting article about NFC and NS

http://hothardware.com/News/Google-Purportedly-Testing-NFC-Payment-Machines-In-NYSF-Stores-/
thoughts?

Sounds great to me, but it may be some time before the UK takes the NFC a little more seriously.
Can't wait for the day i can use the oyster card (london tube card system) and pay for items in the supermarket without the extra stuff in pocket

I want this so hard. I love this phone.
Oddly enough, most people I tell NFC about are horrified by it, thinking someone will steal there bank accounts from the phone.
Sent from my bathroom, with toilet paper.

well its true you can get your info stolen but they will probably have security or maybe already have security for this stuff. they also sell wallets that protect you from this stuff

It is possible for people to steal your info, but the solution is WAY MORE SECURE THAN WHAT WE ARE USING TODAY.
With NFC the only real way to steal the info is to have some type of RF scanner, scan the signal at the exact time of the transaction, decode the info, and then you may get a credit card number. Even if you have a credit card number you may never be able to find the unique ID on the chip that can be associated with that single credit card that could be needed to complete a transaction.
With today's technology to steal info you have to just look at someone's credit card, remember some numbers, and forge a signatures that no one really looks at.

or just use the credit card numbers online where no sig is required.
As an added bonus most new credit cards have PayWave or PayPass on them anyway!
NFC payments are being tested in Australia as well, but here they are using iPhones with a case containing NFC hardware (instead of just using a Nexus S...haha). They are talking about SD cards with NFC on them for Android phones as a solution as well as the iPhone cases.

I can't see why NFC is worth having

Quote from Ron Rule on twitter:
"How is it more 'convenient' to start an app, pick a card, enter PIN, then confirm vs. just swiping a credit card?"
You've got to admit he's got a point! Sometimes phones just aren't the best way to do things. I recently got my boarding card for a flight sent to my mobile as an MMS and it was a pain. It was a good way to show off my lovely SGS2 though! However next time I'm sticking to good old paper next time.

it's not as simple as just swiping a credit card, you have to take your wallet out of your pants and fumble around for your card. it's still probably faster than nfc still but the point of nfc imo is that if you have like a huge stack of cards like credit cards and gift cards, they're all just on your phone.
you wouldn't have to carry around all your cards on the off chance that you might want to use it that day. if you want to use your subway's gift card, it's already on your phone and you don't have to run home and get it

At least here in Croatia debit cards require a swiping, then have to be inserted into a machine and then you input a pin, wait a good 5~10 seconds for a confromation and you're done.
Credit cards require you to swipe the card and wait for the machine to print out a reciept that you have to sign.
So NFC makes a lot sense to me.

buttes said:
it's not as simple as just swiping a credit card, you have to take your wallet out of your pants and fumble around for your card. it's still probably faster than nfc still but the point of nfc imo is that if you have like a huge stack of cards like credit cards and gift cards, they're all just on your phone.
you wouldn't have to carry around all your cards on the off chance that you might want to use it that day. if you want to use your subway's gift card, it's already on your phone and you don't have to run home and get it
Click to expand...
Click to collapse
Most people have 1 card, some more.
It takes MUCH less place having cards, and if you can't take your card out properly, you need brain surgery or something.
For me this is just another marketing trick, like 3D.

BlueSebba said:
Most people have 1 card, some more.
It takes MUCH less place having cards, and if you can't take your card out properly, you need brain surgery or something.
For me this is just another marketing trick, like 3D.
Click to expand...
Click to collapse
i'm just going by the nfc video that engadget showed before, where it had not just your credit card but restaurant and store gift cards. if you don't use gift cards then this is irrelevant to you
the point is that nfc isn't just used for credit cards. for example it was also used to check into google i/o

Personally I don't trust the technology enough to entrust it with my credit and debit card details.

Intratech said:
Personally I don't trust the technology enough to entrust it with my credit and debit card details.
Click to expand...
Click to collapse
+1 for now
However I won't deny the fact that having a phone with this feature which I won't use often or just incase IS better than having a phone without it.
Sent from my GT-I9100 using XDA Premium App

Its not just about paying for things either, you could have a train ticket on your phone linked to foursquare and when you tap to go through the barriers it checks you in at that location automatically.
Or being at places where areas or stands could have nfc so people can get more information like having one at a restaurant automatically puts the name, number and menu on your phone.
Sent from my GT-I9100 using XDA App

nfc is going to come with next batch of s2 ?
i hav checked samsung's official website and it does not mention nfc anywhere..jst want to know if except korea any other has got nfc ? Like UK,etc...i also read that micro sd's are being made wid nfc support but they dont work in a metal tray.So guessing nfc will be added in our sim's by our respective carriers in the future if at all needed..i mean replace our old sim wid nfc included sim.Please correct me if im wrong,im jst pointing out that nfc takes a very small place and it can be placed even in a sim in near future.So not having nfc must not be an issue UNLESS IF SAMSUNG BRINGS NFC ON THERE NEXT OR 3RD BATCH OF S2 TO INDIA..early owners will be a whole lot of disappointd if sammy does so.anyway i doubt any country would get it 1st of all except korea ofcourse.

buttes said:
it's not as simple as just swiping a credit card, you have to take your wallet out of your pants and fumble around for your card. it's still probably faster than nfc still but the point of nfc imo is that if you have like a huge stack of cards like credit cards and gift cards, they're all just on your phone.
you wouldn't have to carry around all your cards on the off chance that you might want to use it that day. if you want to use your subway's gift card, it's already on your phone and you don't have to run home and get it
Click to expand...
Click to collapse
They already have keychain quick devices that can load all your credit cards onto, and they are free.

Moandal said:
Quote from Ron Rule on twitter:
"How is it more 'convenient' to start an app, pick a card, enter PIN, then confirm vs. just swiping a credit card?"
You've got to admit he's got a point! Sometimes phones just aren't the best way to do things. I recently got my boarding card for a flight sent to my mobile as an MMS and it was a pain. It was a good way to show off my lovely SGS2 though! However next time I'm sticking to good old paper next time.
Click to expand...
Click to collapse
Wouldn't it also be an identity theft's dream come true. Your phone #s, social media info, credit card info, all located in one device. Also don't forget what do you do if your phone dies and you need to make a purchase? Or if you drop your phone? Or it gets stolen? Or buy a new phone (have to resync all that crap again)? So it isn't going to completely replace your credit card. Also for the guy that so fumble for your wallet. I guess your phone is in hand 24/7?

rex-tc said:
Wouldn't it also be an identity theft's dream come true. Your phone #s, social media info, credit card info, all located in one device. Also don't forget what do you do if your phone dies and you need to make a purchase? Or if you drop your phone? Or it gets stolen? Or buy a new phone (have to resync all that crap again)? So it isn't going to completely replace your credit card. Also for the guy that so fumble for your wallet. I guess your phone is in hand 24/7?
Click to expand...
Click to collapse
Actually I was wondering that the other day.
But I think it's worth having seeing as most of us have our hands in our phones a lot of the time, so of course in time, it'll probably become natural to those who use it.
I think that they need is a screen that can take a finger print and therefore NFC is only enabled when that certain fingerprint is on the screen. Sounds a bit far fetched but what are the bets that'll be implemented on phones in a year or two? There's only so many cores you can stick in one CPU

What everyone seems to be missing is that embedded NFC transactions won't just replace the swiping of a credit card, its able to do a lot more to change the way consumers shop and make transactions.
Let alone the multitude of other uses for NFC. People will start to use it for more than shopping as the technology becomes more widespread. Developers just need more incentive to be creative and really unlock it's potential.
Sent from my GT-I9100 using XDA App

Intratech said:
Personally I don't trust the technology enough to entrust it with my credit and debit card details.
Click to expand...
Click to collapse
It wouldn't be the first time someone has distrusted a new technology because they don't understand it. No offense. I'm sure companies will start public awareness campaigns to quell this.
Sent from my GT-I9100 using XDA App

It's another android system waiting to be hacked, bigtime.

sleeco said:
It's another android system waiting to be hacked, bigtime.
Click to expand...
Click to collapse
Please, more FUD
Sent from my GT-I9100 using XDA App

i'm studying electrical and electronic engineering and i'm sure sooner hackers will try hack the NFC to steal credit card details. But NFC is good for health monitoring in the future.

I'm quite sick and tired of taking out my card out of my wallet every time I get on and get off a public transport, its so much hassle.
I would prefer to just scan the phone one one of those receivers since I always have my phone out on the public transport anyway.

zoobzone said:
I would prefer to just scan the phone one one of those receivers since I always have my phone out on the public transport anyway.
Click to expand...
Click to collapse
I noticed in that google nfc video that you still have to sign your signature on the receiver, kinda a let down imo as paying at the pumps or shopping online you don't need any signature.

Android Pay Alternatives for Root Users

Hey everyone. I just wanted to spread the word that credit card-specific tap and pay apps might be more easily fooled than Android Pay when it comes to using it on a rooted device. I just set up CapitalOne Wallet. Originally it detected my rooted device and refused to work, but after installing and enabling RootCloak (xposed module), the setup process went smoothly. I haven't tried buying anything yet, so I'll update this when I have more to report, but it's definitely something to be aware of.
UPDATE: I tried to pay for something at a Wegman's. The app detected that there was an NFC pay station there, but it was not able to communicate with it. I'll try more later.
UPDATE2: I realized that the reason why Wegman's didn't work was because I had disabled my phone PIN lock. I turned it back on and successfully bought something from a vending machine. It works! Wooo! Now to go back to never, ever using it.
UPDATE3: I factory reset my phone, and the app will no longer allow me to add the card, even with rootcloak. Without rootcloak, I get a "no rooted devices allowed" message. With rootcloak, I get a "some unknown error happened, please try again" message that I've gotten consistently over several days. Maybe someone from CapitalOne is reading this thread.
UPDATE4: I got a strange email today informing me that my card was disabled for mobile payments at my request. I made no such request. However, I went in to the Wallet app, reenabled it for mobile payments with rootcloak on, and it worked perfectly. So....maybe rootcloak does still work and there was just some sort of issue on their end? Either that, or some hacker really doesn't want me using mobile payments. We'll see whether or not it actually works when I try to buy something.

SwipeYours is a good HCE but you need to know your card dump

Might pickup a capital one card because of this. Chase pay is inbound I heard too. Any other cc tnp apps out now?

rayjr13 said:
Might pickup a capital one card because of this. Chase pay is inbound I heard too. Any other cc tnp apps out now?
Click to expand...
Click to collapse
I'm not sure. I just checked to see if Discover had one, and it doesn't look like they do.

ha no. Discover pay would be a stretch for fathomable. Finally used Apple Android Pay on Turbo 2 though. Much cleaner interface but seriously wish there was a solution for unlocked users smh.
---------- Post added at 09:04 PM ---------- Previous post was at 08:59 PM ----------
Side note I kinda think the goal may be to get another device probably a wearable that is not rooted or bootloader unlocked and use android pay with that is that a possibility or are all wearables companion to the point that they require a phone to function for android pay? I assume the coming cellular wearables would be able to function autonomously.

Has anyone tried Tapp? Its a simple demo app built on the SimplyTapp service, which seems to be a shared back-end w\ SDK, for developers looking to write HCE functionality into their own apps (e.g., a retail chain that wants to add NFC functionality into their loyalty card app; e.g., make it easy for the Starbucks app to use NFC instead of scanning a barcode).
Using the "SwipeYours" profile you can add in any card data, assuming you have access to a mag stripe reader to read your VISA card magstripe data.
https://play.google.com/store/apps/details?id=com.tapp
EDIT: I see now this is the same as the "SwipeYours" suggested by @liquidburns, which is also available as a bare-bones technical demo (e.g., without a fancy GUI, PIN lock on the app, cloud backup, etc):
http://blog.simplytapp.com/2014/01/host-card-emulation-series-swipeyours.html
Unfortunately, it would seem everything relying on a mag-stripe dump is going to be short lived, as most POS terminals that support NFC also support EMV chip, and thus will not accept the mag-stripe data from a card that also has an EMV chip.

rayjr13 said:
ha no. Discover pay would be a stretch for fathomable. Finally used Apple Pay on Turbo 2 though. Much cleaner interface but seriously wish there was a solution for unlocked users smh.
---------- Post added at 09:04 PM ---------- Previous post was at 08:59 PM ----------
Side note I kinda think the goal may be to get another device probably a wearable that is not rooted or bootloader unlocked and use android pay with that is that a possibility or are all wearables companion to the point that they require a phone to function for android pay? I assume the coming cellular wearables would be able to function autonomously.
Click to expand...
Click to collapse
Wait, you can use apple pay on an android device? Is that a hack, or does apple let you?
Also, I'm not aware of any wearables that have NFC, so that wouldn't work in any of them that exist today. Also, all wearables (apple and android) are designed to be paired with a phone, and have extremely limited functionality without one.

DA6030 said:
Has anyone tried Tapp? Its a simple demo app built on the SimplyTapp service, which seems to be a shared back-end w\ SDK, for developers looking to write HCE functionality into their own apps (e.g., a retail chain that wants to add NFC functionality into their loyalty card app; e.g., make it easy for the Starbucks app to use NFC instead of scanning a barcode).
Using the "SwipeYours" profile you can add in any card data, assuming you have access to a mag stripe reader to read your VISA card magstripe data.
https://play.google.com/store/apps/details?id=com.tapp
EDIT: I see now this is the same as the "SwipeYours" suggested by @liquidburns, which is also available as a bare-bones technical demo (e.g., without a fancy GUI, PIN lock on the app, cloud backup, etc):
http://blog.simplytapp.com/2014/01/host-card-emulation-series-swipeyours.html
Unfortunately, it would seem everything relying on a mag-stripe dump is going to be short lived, as most POS terminals that support NFC also support EMV chip, and thus will not accept the mag-stripe data from a card that also has an EMV chip.
Click to expand...
Click to collapse
True, but I suspect that we have a while in the States before magnetic stripes become obsolete. Most places I shop at don't even have the chip readers (or they do, but the chip functionality isn't enabled yet) even though I think they technically have to by law at this point.

TheSt33v said:
Wait, you can use apple pay on an android device? Is that a hack, or does apple let you?
Also, I'm not aware of any wearables that have NFC, so that wouldn't work in any of them that exist today. Also, all wearables (apple and android) are designed to be paired with a phone, and have extremely limited functionality without one.
Click to expand...
Click to collapse
Sorry that was a slip meant to say Android Pay. Never had that problem when it was Google Wallet. So much for successful brand marketing, Google.
Also I was referring to the line of devices like the pending LG Urbane LTE that are presented as autonomous with their cellular connections. Wonder how independent they will be. Why have LTE if you are pairing to another device still anyway? Just silly and more expensive on the data.

TheSt33v said:
True, but I suspect that we have a while in the States before magnetic stripes become obsolete. Most places I shop at don't even have the chip readers (or they do, but the chip functionality isn't enabled yet) even though I think they technically have to by law at this point.
Click to expand...
Click to collapse
Totally true, but my point is that any merchants that are upgrading their payment terminals in 2015+ to support NFC, are almost certainly getting chip readers in the same upgrade. And, at least theoretically, these "pay by NFC without Android Pay" hacks only work on terminals that HAVE NFC and DO NOT HAVE chip readers, which is a rare combination I've only seen at the handful of big chains that were original Google Wallet launch partners (e.g., Jamba Juice, McDonalds). Everywhere else that I've seen NFC (e.g., Trader Joes, small businesses with Poynt devices) also has chip readers, and all new installations will likely have both.

rayjr13 said:
Sorry that was a slip meant to say Android Pay. Never had that problem when it was Google Wallet. So much for successful brand marketing, Google.
Also I was referring to the line of devices like the pending LG Urbane LTE that are presented as autonomous with their cellular connections. Wonder how independent they will be. Why have LTE if you are pairing to another device still anyway? Just silly and more expensive on the data.
Click to expand...
Click to collapse
Hmm. I didn't know that was a thing, or why someone would want such a thing.

Walmart pay lol?

DA6030 said:
Unfortunately, it would seem everything relying on a mag-stripe dump is going to be short lived, as most POS terminals that support NFC also support EMV chip, and thus will not accept the mag-stripe data from a card that also has an EMV chip.
Click to expand...
Click to collapse
Update: So far, I've tried this at a couple merchants that have terminals with both EMV and NFC active (and are soft-rejecting swipes when a chip is available), and it works great with both my Chase VISA cards. According to SwipeYours developer, the rejection I feared (for using the wrong card transmission type) would be enforced by the card issuer, not the merchant, so YMMV with other banks.
Getting set up was easy, using this card reader ($12 w\ free Amazon prime shipping): http://www.amazon.com/gp/product/B00D3D3L8Y
I chose to plug the card reader directly into my phone with a USB OTG cable, it was recognized as an external keyboard, and 60 seconds later I confirmed everything worked on my office vending machine.

Liability shift

Technically its still up to banks to recognize fraudulent activity regardless of how you use your card. The bank can't blame you for not recognizing a well made and executed skimming device, which presents a higher chance of getting your personal information captured than using hce in my opinion. You have a higher chance of losing your credit card information through a fake marketing scam or the waitress at a diner than HCE.

TheSt33v said:
True, but I suspect that we have a while in the States before magnetic stripes become obsolete. Most places I shop at don't even have the chip readers (or they do, but the chip functionality isn't enabled yet) even though I think they technically have to by law at this point.
Click to expand...
Click to collapse
I work in payment technology and I can shed a little light on this topic. There is no law requiring merchants to accept chip cards. There is legislation requiring card issuing banks to issue all new cards with chips and there is a liability shift for all merchants who continue accepting payment without adopting the chip technology meaning that merchants now run a higher risk of the bank withholding(retracting) payment due to chargeback because the banks no longer carry the liability for fraud protection in the case of a merchant who is not taking chip payment.
I am a salesperson so the technology side of my industry is only known from what I have gathered along the way.
That said, AFIK NFC payments do not involve chip data at this time and I would assume they won't for the foreseeable future. Mag strip, chip, and soft pay are simply 3 different ways of encrypting the same set of data(card#, Exp, and cardholder data) for transfer. This gets a little above my level of understanding but my assumption is that soft pay uses a similar encryption method as the chips do and my best guess as to why AP is as aggressive as it is about system mods is not so much to protect your card data, but to prevent cloning from being achieved easily.
If I am right, then I assume that we will soon see MSD removed from merchant terminals as an accepted protocol by way of security patches (updated every day at merchant batch), effectively rendering SwipeYours and the like, useless.

This might be a good compliment to SwipeYours for as long as it continues to work: Rhombus - Play Store