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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
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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.
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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.
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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.
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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.
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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.
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It's another android system waiting to be hacked, bigtime.
sleeco said:
It's another android system waiting to be hacked, bigtime.
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Click to collapse
Please, more FUD
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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.
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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.
Figured I would throw this out there.
Does anyone know if the tap and pay feature works on the note 4?
Yeah I know you can use softcard but I would rather give Google the business cause I didn't like how the providers wouldn't let Google wallet work unless hacked. Plus like the fact you can just use any credit card or debit card and not have to deal with selective cards and or American express.
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I've been wondering the same thing.
delcopa said:
Figured I would throw this out there.
Does anyone know if the tap and pay feature works on the note 4?
Yeah I know you can use softcard but I would rather give Google the business cause I didn't like how the providers wouldn't let Google wallet work unless hacked. Plus like the fact you can just use any credit card or debit card and not have to deal with selective cards and or American express.
Click to expand...
Click to collapse
Google Wallet is all but dead. It's not the carrier's fault. It's because Google's in the advertising business and wanted to track financial transaction data that the card issuers felt was too invasive. Softcard has a very good chance of succeeding because: A) the sponsoring carrier's want it to, B) they play nice with the financial industry, and C) thanks to Apple, NFC is suddenly the "answer" to electronic payments.
An article on Google Wallet's failure...
To understand why Google Wallet has not taken off, I talked to some of my contacts in the major banks and they explained that it came down to Google's business model. When Google approached the banks and asked them to support Google Wallet, it explained that part of their support meant that they would also feed data back to Google on what people bought and other personal data that Google could use to serve targeted ads. Besides privacy issues, the banks were not thrilled about being forced into a position to feed all types of shopping data back to Google just so Google could make money on ads. Consequently, most banks were not willing to play the middleman and in most cases would not fully support Google Wallet.
http://www.pcmag.com/article2/0,2817,2469362,00.asp
When Google/Android were younger they were seen as the underdog against Apple, Microsoft, and Blackberry in the mobile space. Now that they're mature, their thirst for revenue growth is beginning to expose the fact that users of their products and tools are nothing more than data sources with that data being sold to the highest bidder. Google's no longer cute, folksy, or an underdog. They and Facebook are probably two of the largest collectors of personal data being used to generate profit. I love Android the product. Its owners, their behavior, their business model, and lack of transparency not so much.
Softcard is nice & works fine, other than the fact that every banking & credit card I own is incompatible with it & has to be routed through AmEx's Serve card, which doesn't give me the opportunity to choose my method of payment/funding on the fly like I can with Google Wallet. If they would fix that, I'd have no problem using them.
LaRosa217 said:
Softcard is nice & works fine, other than the fact that every banking & credit card I own is incompatible with it & has to be routed through AmEx's Serve card, which doesn't give me the opportunity to choose my method of payment/funding on the fly like I can with Google Wallet. If they would fix that, I'd have no problem using them.
Click to expand...
Click to collapse
Financial institutions taking electronic payments seriously is kind of "chicken and egg." Do they invest tons of money in infrastructure hoping that "if they build it they will come" or, instead of being an early adopter, choose to be a "strong follower" once those that went first do the heavy lifting and prove the opportunity? Apple's embracing of electronic payments and NFC has changed the game. You'll see merchants and financial institutions falling all over themselves now to get on the electronic payment bandwagon. We, NFC-equipped Android users, will see the benefit even though Google Wallet itself may not.
I know the tap and pay is working on my son's S5. Still hoping for it on the note 4. My other soon has it on his htc also. So I know it isn't dead working on 2 newer phones after the note 3.
@barry that's what I like about it you have a choice to use pretty much ANY card or bank where softcard your extremely limited.
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delcopa said:
I know the tap and pay is working on my son's S5. Still hoping for it on the note 4. My other soon has it on his htc also. So I know it isn't dead working on 2 newer phones after the note 3.
@barry that's what I like about it you have a choice to use pretty much ANY card or bank where softcard your extremely limited.
Click to expand...
Click to collapse
When I said "dead" I was referring to its future not its current state. Strategically, the financial industry has better options (for them) that don't require feeding customer data back to Google. All Google's initiatives tie back to supporting their advertising driven revenue model. With their customer data collection objective stone walled what reason do they have to get in to electronic payments? The establishment's embracing of Apple Pay comes from their non-intrusive and non-competitive model and that anything they pay in transaction fees to Apple is offset by a reduction in fraud pay-outs. Why do you think Apple Pay's been so well received (B2B) and Google was stone walled? Outside of Isis/Softcard which is blessed by the financial industry because it's non-disruptive, the only other payment initiative with any heft going on is CurrentC ( http://www.nfcworld.com/2014/09/03/...-payments-venture-mcx-unveils-currentc-brand/ ). It's merchant-driven ($3 trillion in revenue generated by its sponsors) with their goal being to blow-up the financial payment status-quo to lower their fees.
So who's going to succeed?
Apple's "God" and has made nice with the financial industry, doesn't hurt merchants, reduces fraud, and delivers a high-value demographic in massive quantities (10M Apple Pay capable devices were sold in three days).
Softcard which is financial industry friendly, open to any credit card issuer to join, and is sponsored by the wireless carriers which control end-user access.
CurrentC which is merchant driven and who, at the end of the day, are more important to credit card issuers than credit card issuers are to them.
Google Wallet which was launched to gather even more relevant customer behavioral data to sell to advertisers and was never embraced by either the financial industry, the wireless carriers, or merchants.
PayPal's mobile strategy seems a mess. I downloaded their app on my phone and Gear and still couldn't figure out how or why I'd want to use it.
Samsung Wallet is the biggest cluster of a piece of s/w I've ever seen. Its been updated a half-dozen times and its UI/UX is still a mess and unless there was a huge incentive I can't imagine using it for anything. I see it going the way of Samsung Music, Video, and Books eventually.
So it's a three horse race in the U.S. - Apple Pay, Softcard, and CurrentC. None will be exclusive and will probably come to co-exist just as Visa, Mastercard, Amex, and Discover co-exist as card issuers. At the end of the day no one will intentionally stand in the way of a customer sale and none of this is important enough to make a customer use or avoid a specific merchant based on their specific acceptance or rejection of one form of electronic payment or another. The next few years should be fun; especially when every payment terminal in the U.S. is being replaced to support chip-and-pen and will probably all be NFC equipped to be future proof. That'll particularly help Softcard which can rapidly build up an audience which, along with Apple's validation of NFC, should attract card issuers and financial institutions that may have been on the fence. It all comes down to who own/controls the audience and infrastructure. Google and Samsung own neither. PayPal has some infrastructure but its non-parallel.
I would never rule anyone out in the tech field. Things change too quickly just ask blackberry they were the only thing business used. Then MS and apple cane into play for phones. When Google did they were the so called ugly step child. Now blackberry and MS are hurting majorly in the phone business and now there are more android phones worldwide then anyone.
But still doesn't mean anything cause the next great idea could come from an unknown company tomorrow.
I also seem to remember the note when it came out. They also all said it's too big, it's ugly, no one would want it. Even apple busted on it and now, who has the last laugh cause everyone is making the phones bigger just like the note.
I didn't want a debate or opinions cause guess what everyone has one. My only question was WILL TAP AND PLAY WORK WITH THE NOTE 4. Which you still haven't answered. And would you please not high jack my thread unless you can actually answer the question which is why this thread was created.
I can create another thread for a debate on electronic wallets of you would like.
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Just used google wallet tap and pay on my new Att note4 at grocery store.
I have used tap and pay twice, both times it was very quick.
Just open Google Wallet, input your pin, and touch to the NFC, should work fine.
I used it at a Whataburger and a Walgreens.
I registered for the Samsung Pay Beta program yesterday. Today I received a mail that I've been accepted in the Beta Program. I happily started the Samsung Pay app and it showed a new screen for installation. I installed it. The interface looks good. You can just scan the card and it captures the card number and expiry date automatically. Rest of the information has to be filled manually. However, It didn't accept my CHASE or AMEX card. It gives following error:-
Registration failed
Unable to register your card. Try another
card or contact the card issuer. (645101)
Anybody else having similar issue ?
I am having the same problem with both my cards
I received the beta invite as well. The participation details list the qualifying cards. http://www.samsung.com/us/samsung-p...ID=0125494973&MKM_MID=&CID=eml-mb-cph-815-975
Bradfordv said:
I am having the same problem with both my cards
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Click to collapse
rsfinsrq said:
I received the beta invite as well. The participation details list the qualifying cards. http://www.samsung.com/us/samsung-p...ID=0125494973&MKM_MID=&CID=eml-mb-cph-815-975
Click to expand...
Click to collapse
Looks like very limited participants are available for Beta Program. I received a mail from AmEx that my card couldn't be added and when I called their customer support, they said the particular Corporate ard I'm trying to add isn't supported to the Beta program, however, it would be available 28th Sept onward (official launch). The Chase however have no idea about Samsung Pay. They said they are aware of only Apple Pay.
I have it as well. It will only work with US Bank or Bank of America (Visa Debit or Visa Credit card). I also tried my other cards just to see if they would work, nothing else is accepted yet. I did call customer service for all of my cards (Amex, Chase, Barclay's, American Airlines CC and Capital One) and they said they will work with Samsung Pay near the end of September.
Looks like Samsung is just minimizing the testing to keep control of things. Worked perfect at Panera with my B of A Debit Visa card. Of course the girl thought it was an IPhone. Knew that was coming hahahaha
Edge 6+ Gold
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mcmikelw said:
Of course the girl thought it was an IPhone. Knew that was coming hahahaha
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Click to collapse
The inevitable... :silly:
I didn't realize this when I used it the other day but Samsung Pay is actually integrated into your lock screen and every screen screen even after you unlock your phone. I previously accessed Samsung Pay through the app as that is how I was use to accessing Google Wallet.
So here is how you quick access it:
Once you turn the screen on, you will see a small tab floating above the home key that says Samsung Pay.
Swipe it up (without unlocking the screen). Choose a card you want to use, then once you want to use it, you use finger print to unlock it. The phone will start vibrating and have some animation on the screen to indicate you can now pay.
If you have your phone unlocked and you were previously using it, you simply swipe up and bam there it is.
I guess in the excitement yesterday I didn't see this. The Samsung pay tab is so small, if you are on auto pilot using your phone you will miss it.
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Im using it as well.. apple pay still much quiker.. id like to see even your phone is locked just tap it and use fingerprint and it will activate. On samsung pay i have to hit fingerprunt twice since my lockscreen is fingerprint
apurva.giri said:
I registered for the Samsung Pay Beta program yesterday. Today I received a mail that I've been accepted in the Beta Program. I happily started the Samsung Pay app and it showed a new screen for installation. I installed it. The interface looks good. You can just scan the card and it captures the card number and expiry date automatically. Rest of the information has to be filled manually. However, It didn't accept my CHASE or AMEX card. It gives following error:-
Registration failed
Unable to register your card. Try another
card or contact the card issuer. (645101)
Anybody else having similar issue ?
Click to expand...
Click to collapse
Hi,
What was the reason for your to enroll in the Samsung Pay (Beta) program to begin with?
ad78 said:
Im using it as well.. apple pay still much quiker.. id like to see even your phone is locked just tap it and use fingerprint and it will activate. On samsung pay i have to hit fingerprunt twice since my lockscreen is fingerprint
Click to expand...
Click to collapse
Applepay doesn't support MST and there isn't a way for the phone to know there is a MST terminal in front of it. NFC is 2 way which is why it works for that. They could possibly make it work automatically with NFC capable terminals but it would likely just confuse some people about when it's automatic and when it's manual. I don't find it hard to use at all in its current form.
jasonl.teehee said:
Hi,
What was the reason for your to enroll in the Samsung Pay (Beta) program to begin with?
Click to expand...
Click to collapse
Well, the Beta programs (Samsung or no Samsung) intend to execute a trial run before the actual services are officially released. Would make no sense if nobody enrolls in it, don't you agree ?
apurva.giri said:
Well, the Beta programs (Samsung or no Samsung) intend to execute a trial run before the actual services are officially released. Would make no sense if nobody enrolls in it, don't you agree ?
Click to expand...
Click to collapse
but what's the purpose behind it? does it have the same approach like paypal?
jasonl.teehee said:
but what's the purpose behind it? does it have the same approach like paypal?
Click to expand...
Click to collapse
Samsung Pay is a payment system which uses NFC and MST. Once you've added your card, you can go to any retailer and pay using your phone instead of your card. If the retailer has an NFC system, you can simply tap your phone onto the NFC section of the payment system and authenticate using PIN/Fingerprint and the payment should be made. Otherwise, if the retailer has traditional magnetic card swiping payment system, just start the Samsung Pay and bring it near the edge of the Payment System where card is required to be swiped. Use PIN/Fingerprint for authentication and the payment should be made easily.
Try googling about Samsung Pay, you'll know more in details.
apurva.giri said:
Samsung Pay is a payment system which uses NFC and MST. Once you've added your card, you can go to any retailer and pay using your phone instead of your card. If the retailer has an NFC system, you can simply tap your phone onto the NFC section of the payment system and authenticate using PIN/Fingerprint and the payment should be made. Otherwise, if the retailer has traditional magnetic card swiping payment system, just start the Samsung Pay and bring it near the edge of the Payment System where card is required to be swiped. Use PIN/Fingerprint for authentication and the payment should be made easily.
Try googling about Samsung Pay, you'll know more in details.
Click to expand...
Click to collapse
I'll stick with the classic way, lol, not too sure how safe is the Samsung Pay. :good:
jasonl.teehee said:
I'll stick with the classic way, lol, not too sure how safe is the Samsung Pay. :good:
Click to expand...
Click to collapse
I'd say it's significantly safer than carrying a physical card around since anyone could rob you and use it where as samsung pay couldn't be used unless they chopped off your finger when they stole the phone and at that point the cashier would be suspicious I'm thinking.
jasonl.teehee said:
I'll stick with the classic way, lol, not too sure how safe is the Samsung Pay. :good:
Click to expand...
Click to collapse
We're talking about Samsung here.. You could trust them with your contacts, messages, social media credentials, banking apps and you can't trust them with Samsung Pay. Really ? May be you don't use banking apps (I thought you may bring that up again), and that's okay. It's your hard earned money, I'm sure you know how to handle it better than anybody else does. You might wanna look into Samsung Knox bdw (just for information purpose), its even NSA approved.
codee said:
I'd say it's significantly safer than carrying a physical card around since anyone could rob you and use it where as samsung pay couldn't be used unless they chopped off your finger when they stole the phone and at that point the cashier would be suspicious I'm thinking.
Click to expand...
Click to collapse
And even if someone manages to do all that, one can simply call the bank to nullify the transaction. A chopped finger would suffice as a proof! :cyclops:
jasonl.teehee said:
I'll stick with the classic way, lol, not too sure how safe is the Samsung Pay. :good:
Click to expand...
Click to collapse
I think the toeknization is the real value here. When you go to target and buy something they don't actually have access to your card info, they have a token because the card info stays at the payment processor and is activated by the token. At least that's how I understand it.
Hell, in theory, if target gets hacked and your token is compromised they can do a mass update and scramble the tokens only for cards used at target in the last X number of days.
IMHO this is exponentially safer than using your card at a store. Skimmers are probably less effective too, all kinds of joy with this innovation.
They should of had all major banks on board. So people dont sit around and think about why it may not be safe. Big mistake not not have a feature ready by launch. I have capital one and Wellsfargo and i am waiting not even knowing if they will ever sign on.
dallastx said:
They should of had all major banks on board. So people dont sit around and think about why it may not be safe. Big mistake not not have a feature ready by launch. I have capital one and Wellsfargo and i am waiting not even knowing if they will ever sign on.
Click to expand...
Click to collapse
As long as they are VISA or Master Card, they should work. Atleast that's what I understand. Also, there are only limited banks supported for Beta, you should try Capital One and Wellsfargo after 28th.
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dallastx said:
They should of had all major banks on board. So people dont sit around and think about why it may not be safe. Big mistake not not have a feature ready by launch. I have capital one and Wellsfargo and i am waiting not even knowing if they will ever sign on.
Click to expand...
Click to collapse
American express, Visa, MasterCard and some large banks are on board - seems to be a pretty good backing and show of support to me. Anyone that thinks it isn't safe clearly has no idea of how the system works because it's actually significantly safer than a standard card.
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.
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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.
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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.
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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.
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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.
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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.
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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
I feel like this may have been asked multiple times, but maybe the S7 is finally the year KNOX might be needed for something. What apps are dependent on having KNOX untripped?
I know Samsung Pay requires KNOX, but Samsung Pay can be argued to be practically useless in 2015, 2016, and probably 2017 in like 99% of the US. But what else is KNOX necessary for in terms of functions of the phone and apps?
I have a SM-G935F coming in the mail later today and I'm reading up on Root and trying to decide if I should keep it clean, or go ahead and root so I can make some tweaks. I'd mostly like to know what I'm really losing in exchange for getting root access.
What is it good for? Absolutely nothing.
Sent from my Pebble Time
Samsung pay useless? What? I use it every single day... Do you even know how Samsung Pay works? It's not Apple pay which is actually 99% useless. Samsung pay can be used at magnetic strips, which means, its 99% USEFUL.
psufan5 said:
Samsung pay useless? What? I use it every single day... Do you even know how Samsung Pay works? It's not Apple pay which is actually 99% useless. Samsung pay can be used at magnetic strips, which means, its 99% USEFUL.
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It's 99% useful if you happen to use one of the banks that work with it. That list is far from comprehensive.
Works with multiple credit cards I have, so I would call it useful too...
Sent from my SM-G935V using Tapatalk
psufan5 said:
Samsung pay useless? What? I use it every single day... Do you even know how Samsung Pay works? It's not Apple pay which is actually 99% useless. Samsung pay can be used at magnetic strips, which means, its 99% USEFUL.
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Click to collapse
It currently only works (officially) in the US and South Korea, so it's 99% useless for people outside these countries.
J.Biden said:
It currently only works (officially) in the US and South Korea, so it's 99% useless for people outside these countries.
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Did you read what the OP says? He says "Of the US". I wasn't referring to the rest of the world. And if your bank isn't adopting it yet, get a card that does. There are some amazing cash rewards cards that are supported - I personally use the Citi Double Cash.
Anyway, back on topic. Knox is really aimed at enhancing security for business, especially businesses with a BYOD policy. It lets you, or your company, wall off the business usage (e.g., Outlook Exchange) from the personal apps on your phone. For the typical personal phone user, it doesn't really do much, but that's not really who it's aimed at. Knox had gotten Samsung's phones authorized for DOD and Intel community uses that were previously limited to Blackberry, or sometimes Blackberry and iPhone.*
*DOD and the Intel community have a love-hate relationship with the iPhone. They like the fact that it's more secured, in general, than Android has been, but hate that iOS is closed source, so they can't examine the code for security holes.
psufan5 said:
Samsung pay useless? What? I use it every single day... Do you even know how Samsung Pay works? It's not Apple pay which is actually 99% useless. Samsung pay can be used at magnetic strips, which means, its 99% USEFUL.
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Click to collapse
I know it uses older magnetic strips and not NFC, making it backwards compatible with older machines. But it still requires a data connection, can't be used when it's out of date, requiring an update (depending on where you are this is an issue, not to mention depending where you go, the terminal to pay might not be in front of you. You could be required to hand your phone off to someone else which I'm NOT okay with, and you gotta expect them to know what they're doing, which I'm not entirely sure they would seeing as Paying with your phone has existed for atleast 4 years, I live in Fort Worth Texas, and have seen only two in those 4 years in public attempt paying with their phones, one of which failed.
The way I see it, is if the technology isn't there yet to replace your actual wallet, then why wouldn't you just use your wallet? I've tried paying with my phone 3 times, and despite being successful at the attempts, I always thought I should have just used my card in the 1st place. If I'm not confident in my phone to replace my wallet, then I consider it useless.
Even if YOU consider it useless, tripping Knox, preventing your phone to use Samsung Pay could be an obstacle when you will try to sell your phone for the futur S8 Edge ...
Actually you don't need a data connection. I've used a phone without a sim card for Samsung pay. 5 purchases can be made before you have to connect to WiFi.
sorry, im just new to samsung. anyone can explain what does tripping knox means? I disabled this feature via package disabler pro since im not using samsung pay.
Thanks!
jhannbernas said:
sorry, im just new to samsung. anyone can explain what does tripping knox means? I disabled this feature via package disabler pro since im not using samsung pay.
Thanks!
Click to expand...
Click to collapse
Rooting will change the value from 0x0 to 0x1 permanently.
Sent Via My Samsung S7 Edge
Got it. something that will void the warranty. Thanks!
Chocolina said:
I feel like this may have been asked multiple times, but maybe the S7 is finally the year KNOX might be needed for something. What apps are dependent on having KNOX untripped?
I know Samsung Pay requires KNOX, but Samsung Pay can be argued to be practically useless in 2015, 2016, and probably 2017 in like 99% of the US. But what else is KNOX necessary for in terms of functions of the phone and apps?
I have a SM-G935F coming in the mail later today and I'm reading up on Root and trying to decide if I should keep it clean, or go ahead and root so I can make some tweaks. I'd mostly like to know what I'm really losing in exchange for getting root access.
Click to expand...
Click to collapse
Really: don't you have "Google"?
https://www.samsungknox.com/en
http://www.samsung.com/us/business/security/knox/