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Android Pay - Google's new mobile payment system.

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    Gold Member webworld's Avatar
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    Default Android Pay - Google's new mobile payment system.

    Google has launched a new tap-to-pay system called Android Pay to compete with Apple Pay. As a beginning stage, it is launched in more more than one million outlets across United States. Samsung has already launched their own mobile wallet service called Samsung Pay last month in South Korea.

    In times to come, we can witness fierce battle among these prominent players, especially between Apple and Google. We can expect innovative steps being taken by them. Hope the ultimate beneficiary will be the customers.

    I wonder if it is necessary to have a mobile payment system in place?

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    Junior Member kenzenith's Avatar
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    It's about time for Android to put up their own mobile payment system. This will be a tough competition for both platforms. As for the question of the necessity of a mobile payment system, I believe it is considering the number of smartphone users today. This will mean faster and more convenient payment system for us, users. Imagine paying something in a split of second, it is indeed a good innovation.

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    It is a good innovation of technology, the fact that we could easily handle our payments through click. But I would just like to asks if how does those developments made our money secure? Does the level of security trustable? Well I do transactions online and I am very much careful in trusting my money.

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    Junior Member kenzenith's Avatar
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    Quote Originally Posted by Rubie View Post
    It is a good innovation of technology, the fact that we could easily handle our payments through click. But I would just like to asks if how does those developments made our money secure? Does the level of security trustable? Well I do transactions online and I am very much careful in trusting my money.
    I believe that the level of security for this payment system is trustable because they won't release it in the public in the first place if it's not. As for how does it works, I don't know the whole process, but what I only know is that it uses NFC technology. With NFC, your cellphone will serve as your credit card so you can just scan it everytime you pay. The payment system will use the same technology as that of credit cards.

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    Quote Originally Posted by kenzenith View Post
    I believe that the level of security for this payment system is trustable because they won't release it in the public in the first place if it's not. As for how does it works, I don't know the whole process, but what I only know is that it uses NFC technology. With NFC, your cellphone will serve as your credit card so you can just scan it everytime you pay. The payment system will use the same technology as that of credit cards.
    Very well said, now I know and thank you for the information. From your explaination of NFC, made me think of the advantages of this innovation. That means, we dont need to apply for credit/debit card anymore because from our mobile alone we could do payments. If that's the case then it brings us ease.

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    Junior Member kenzenith's Avatar
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    Quote Originally Posted by Rubie View Post
    Very well said, now I know and thank you for the information. From your explaination of NFC, made me think of the advantages of this innovation. That means, we dont need to apply for credit/debit card anymore because from our mobile alone we could do payments. If that's the case then it brings us ease.
    Yes, you are right Rubie. As long as you input your credit card details, as well as your reward points in your phone, you can eventually do the tap-and-go payment. You will still need to authorize your payment but just by simply unlocking your phone. Isn't it easy? I hope they would roll out it fast so we could use it very soon.

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    Quote Originally Posted by kenzenith View Post
    Yes, you are right Rubie. As long as you input your credit card details, as well as your reward points in your phone, you can eventually do the tap-and-go payment. You will still need to authorize your payment but just by simply unlocking your phone. Isn't it easy? I hope they would roll out it fast so we could use it very soon.
    Yeah, it is so easy. The advatage is, not bringing anymore cash, or swiping a card. Just from the comfort of cellphone, people could go shopping? Am I right? Well just wait and see if that particular App may become available to use worldwide.

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    Junior Member kenzenith's Avatar
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    Quote Originally Posted by Rubie View Post
    Yeah, it is so easy. The advatage is, not bringing anymore cash, or swiping a card. Just from the comfort of cellphone, people could go shopping? Am I right? Well just wait and see if that particular App may become available to use worldwide.
    Yes, just by the comfort of your cellphone you could do shopping just like you said. Android is rolling it out in certain countries first before they release it worldwide. It's just a matter of time before we get in our country. I believe, waiting will be worth it once we get it.

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    Quote Originally Posted by kenzenith View Post
    Yes, just by the comfort of your cellphone you could do shopping just like you said. Android is rolling it out in certain countries first before they release it worldwide. It's just a matter of time before we get in our country. I believe, waiting will be worth it once we get it.
    Its worth the wait indeed, so I will expect it sooner. Once the App is desiminated all over the world, then a lot of people would like to have it in their android cellphones. But still competition is there, so not almost all of the people will try to have this new innovation provided by Google. But at least for Android users it is a big previlage. A big thanks to Google.

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    Junior Member kenzenith's Avatar
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    Quote Originally Posted by Rubie View Post
    Its worth the wait indeed, so I will expect it sooner. Once the App is desiminated all over the world, then a lot of people would like to have it in their android cellphones. But still competition is there, so not almost all of the people will try to have this new innovation provided by Google. But at least for Android users it is a big previlage. A big thanks to Google.
    Exactly, it will be very much beneficial to Android users because it will give them more convenient mode of payment. However, I am wondering if this will be available for all android phones or just the new releases. What do you think? Will it be available for old android phones or just the new ones?

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    Quote Originally Posted by kenzenith View Post
    However, I am wondering if this will be available for all android phones or just the new releases. What do you think? Will it be available for old android phones or just the new ones?
    I don't think so because this App will only run on Android Phone with Kit Kat (4.4) or higher. Your phone also needs NFC and HCE support in order to use this upcoming Android Pay App. Unfortunately not all Android phone is able to use this new innovation from Google.

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    Junior Member kenzenith's Avatar
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    Quote Originally Posted by Rubie View Post
    I don't think so because this App will only run on Android Phone with Kit Kat (4.4) or higher. Your phone also needs NFC and HCE support in order to use this upcoming Android Pay App. Unfortunately not all Android phone is able to use this new innovation from Google.
    Yes, you are right. It will only be available to new Android releases with NFC technology. What I'll do is buy a new Android phone so I can use this payment system. I have an iphone and I want to try both worlds. Thank you, Rubie.
    Rubie likes this.

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    Platinum Member panchabhut's Avatar
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    Quote Originally Posted by kenzenith View Post
    Yes, just by the comfort of your cellphone you could do shopping just like you said. Android is rolling it out in certain countries first before they release it worldwide. It's just a matter of time before we get in our country. I believe, waiting will be worth it once we get it.
    There are already certain Indian wallet services like Mobikwik and Oxygen that are offering these services. You can pay with your mobile wallet at Bigbazar, CCD and few other outlets. Mobikwik even offers 10% cashback for Bigbazar and 15% cashback for CCD payments.
    Earth, Wind, Fire, Water, Consciousness.

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    Silver Member pwarbi's Avatar
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    Everybody seems to be jumping on the mobile pay bandwagon at the moment but is it something that's really going to be as life changing as we're being told?

    While there's no doubt these methods of payment are more convenient, if my phone wasn't capable of processing the transactions, I wouldn't be overly concerned or rushing out to buy the latest device.

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    Gold Member webworld's Avatar
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    That is true they can come up with more features in advanced phones with regard to mobile payment service. This will force people to buy those handsets. This is becoming more important when on line shopping is spreading like anything. But I think it is a safe and convenient way to pay.

    There is no need to carry any purse or plastic money with you. Anyway, usually a mobile will be with you everywhere you go and that is enough. So the world is just being captured in a small device called mobile phone!

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    Quote Originally Posted by webworld View Post
    There is no need to carry any purse or plastic money with you. Anyway, usually a mobile will be with you everywhere you go and that is enough. So the world is just being captured in a small device called mobile phone!
    The fact that mobile devices can be dependable enough in whatever activity a person is facing everyday in his life made the mobile market world challenged to produce new innovative one. New releases are unstoppable because of the competition. And because of the competition, the market place need to produce the best, that is why such perfect inventions are made. Either a software innovation nor hardware is invented depending on its usage, it never failed to amaze users

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    Silver Member pwarbi's Avatar
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    I think the security will need to be looked at then if people in future are going to be paying for everything via there phone.

    Not only will the program have to be secure, but your actual device will have to be secure also and for many people that will be the biggest issue.

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    Quote Originally Posted by pwarbi View Post
    I think the security will need to be looked at then if people in future are going to be paying for everything via there phone.

    Not only will the program have to be secure, but your actual device will have to be secure also and for many people that will be the biggest issue.
    I think that is a valid point. Unlike other devices like laptops or desktops a mobile phone can be stolen easily. In that case it can be used as a credit card without any issues if proper security is not there. But a finger print scan can go a long way in this case. I think this is the latest option available towards securing a device. It will work until and unless hackers come up with another plan.

    But the security of a mobile phone is very important on other aspects too like private files in the mobiles. I think there should be a system by which we can practically kill the device remotely if it is stolen so that the the person who stole it cannot use it anymore.

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    Quote Originally Posted by webworld View Post
    But the security of a mobile phone is very important on other aspects too like private files in the mobiles. I think there should be a system by which we can practically kill the device remotely if it is stolen so that the the person who stole it cannot use it anymore.
    Since innovation really can't be stopped in releasing new App upgrade, then possible threat are most expected. As Google launched this Android Pay, and as it becomes popularly know, both cyber and actual criminals are both alarming.

    I think cyber criminals are more risky than the actual person stoling a mobile device. Cyber criminals, in anytime can possibly access your account taking your money while actual ciminals can't do unless your mobile is protected or blocked.

    Android actually made solutions on theft-related problems creating Android Device Manager. With the aid of this Device Manager and the gmail account registered on your mobile, you can track your mobile, lock it and erase your data. Maybe some additional features is expected to be added in order to actually capture the theft so that it is much useful, I guess. Maybe it is good to have an automatic picture taken of the one holding the device for an evidence, making the theft liable for the crime. But as good start for ADM, tracking a mobile device alone is a big help.
    Last edited by Rubie; 4th October 2015 at 08:52 AM.

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    Silver Member pwarbi's Avatar
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    The security of a device, both online and physically will always be an issue, and while a lot of people will be aware how important it is, there will always be a lot more that won't.

    These days mobile devices come with many features in order to make them secure, but until people start using them, they'll always be at risk.

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    Quote Originally Posted by pwarbi View Post
    The security of a device, both online and physically will always be an issue, and while a lot of people will be aware how important it is, there will always be a lot more that won't.

    These days mobile devices come with many features in order to make them secure, but until people start using them, they'll always be at risk.
    You are very true. Security is in the hands of the actual user in fact. If they are illiterate of such features or hesitant to use it, that will create issues. For example the latest finger print scan in new Marshmallow OS. I am sure there will be options to by pass the feature too. If user decides not to use it due to personal reasons, he will be at risk and nobody can save him except himself.

    I think ignorance of latest threats and its implications also play a major role in this. A major part of the mobile users does not consider security as a very important thing. It becomes more dominant when each and everybody has access to latest smartphones.

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    Silver Member pwarbi's Avatar
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    People expect their devices to be secure, and even without user interaction they are but only to a certain extent. Devices can protect from online threats, but it's down to the actual user to protect the device from threats such as theft and protection of data.

    Basically a device is only as secure against these dangers if you actually use the various screen locks a device comes with, and obviously making sure you are aware of where your device is at all times is equally important.

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    Ignorance is not accepted in modern innovation, as a matter of fact accessing an Android Pay without full awareness isn't possible. How would you deal with the things you don't know, in the first place? When it comes to money matter, no one trust another, so unawareness is not the main reason for the exploitation. I think its negligence, and there's no proper solution for that, I guess.

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