When will NFC Contactless Payment be available?

noise747 · 13-12-2012, 09:33

Quote:

Nonsense.

Using NFC.

Cashier "Thats £15 please"
Me:- Takes out phone, holds phone to card reader. Within 1 second..'BEEP'. Transaction complete.
Cashier hands me receipt.

Using card.

Cashier "Thats £15 please.
Me:- Takes out card, makes sure i put it in the right way, insert, wait till she footers about asking cashback etc then i enter pin. Wait for authorisation then remove card.
Cashier hands over receipt.

NFC is far faster having used both.

No, thats to save companies money. Nothing more.

Christ! Is there anything you wont whine about?! If it was up to you, we would still be in the bloody stone age!

Quote:

Originally Posted by Daveoc64

I really don't understand why you say this.

Chip and PIN is far faster than the old system.
Contactless and NFC are far faster than Chip and PIN.

I'm much faster on a Self Service Checkout.

Contactless transactions are designed to reduce time in multiple ways:

-Usually the payment terminal doesn't need to get confirmation from the bank to authorise the transaction
-You don't get a receipt
-You don't have to enter your PIN

NFC is faster with cards, but if it is on a phone and you have to muck around with turning the thing on, selecting the app, unless the chip turns thhe app on, then maybe selecting what account you want the money to come from, that will take longer.

chip and pin can take longer, some people are pretty slow at typing in their number.

Daveoc64, you may think you are faster at the selfscan, but i don't think that is true.

On selfscan, you have to stick the products through the scanner, muck around with a bag at the other end, then get your card/money out and pay. that also don't include the unexpected item in baggage area errors and please please call the assistant that these machines puts out.

They are fine for two to three items and that is it.

On a normal checkout, you stick your stuff on the belt, someone scans it for you and at the same time you pack it, and by the time the last item is scanned, you got your money/card out and pay, pick up bag and go.
If anything goes wrong you got someone who knows what they are doing giving their attention to you, not 5 or 6 different people.

the reason why you think self scans are faster is because you are doing something all the time and so many people hate them, they are don't normally have a load of people behind them.

I am pretty quick at the scanning side, I was semi trained for checkouts, so my scanning speed is pretty good, but scanning speed is not really important on these machines.

As for the lack of receipt on a NFC terminal, another reason fro me to stay clear of them

kidspud · 13-12-2012, 09:51

The major issue with contact less payment is the spending limit. My bank sets it at £15, so there is no way I would ever be able to go out with a phone and leave my cards behind. £15 does not even cover a visit to Starbucks on a family visit.

Stiggles · 14-12-2012, 01:13

Quote:

Originally Posted by noise747

NFC is faster with cards, but if it is on a phone and you have to muck around with turning the thing on, selecting the app, unless the chip turns thhe app on, then maybe selecting what account you want the money to come from, that will take longer.

What? No you dont! NFC would already be on and it can be done while the phone is locked.

I hacked Google wallet on to my S3 a few months back and used the £10 you got free in Mcdonalds of all places and with my S3 i whipped it out my pocket, tapped it on the terminal and that was it. Done.

Quote:

As for the lack of receipt on a NFC terminal, another reason fro me to stay clear of them

You can ask for one. The Co op for instance dont give receipts out unless you ask for one.

You are way to paranoid! Haha!

Stiggles · 14-12-2012, 01:16

Quote:

Originally Posted by kidspud

The major issue with contact less payment is the spending limit. My bank sets it at £15, so there is no way I would ever be able to go out with a phone and leave my cards behind. £15 does not even cover a visit to Starbucks on a family visit.

This i agree with. I guess because its new and they have to repay if things go pear shaped they have put this limit on. In time it will lift.

Like someone else said here earlier, ive never heard about fraud yet with NFC payments. You would have to be within 1 inch to read the data if you were trying to steal it which most people would notice!!

Gormond · 14-12-2012, 10:08

Quote:

Originally Posted by Stiggles

This i agree with. I guess because its new and they have to repay if things go pear shaped they have put this limit on. In time it will lift.

Like someone else said here earlier, ive never heard about fraud yet with NFC payments. You would have to be within 1 inch to read the data if you were trying to steal it which most people would notice!!

I doubt the limit will ever be removed, or it makes using stolen cards/phones easier than its ever been. The only way I could see it working is if the machines started asking for your pin after you scanned it... But then this is all just to save you about 5 seconds, seems hardly worth it.

I know loads of people who have had their wallet or phone stolen over the years, in fact one just last week, if people could then use the phone to buy things with no security it would be even worse and you would lose more than the phone.

call100 · 14-12-2012, 15:37

If you lost your wallet or phone surely you would just cancel everything!! The same as you would do before NFC. The bank will cover all proven fraudulent transactions and anything over £15 needs a pin. The information can't be skimmed by third party machines as it's all encrypted.
the point about NFC is that it saves you pi$$ing about for small change, it's quick and it's easy.

Gormond · 14-12-2012, 21:13

Quote:

Originally Posted by call100

If you lost your wallet or phone surely you would just cancel everything!! The same as you would do before NFC. The bank will cover all proven fraudulent transactions and anything over £15 needs a pin. The information can't be skimmed by third party machines as it's all encrypted.
the point about NFC is that it saves you pi$$ing about for small change, it's quick and it's easy.

But chip and pin already takes about 10 seconds, it doesn't really seem to slow the payment process down, are you in that much of a rush?

kidspud · 14-12-2012, 21:34

Quote:

Originally Posted by call100

If you lost your wallet or phone surely you would just cancel everything!! The same as you would do before NFC. The bank will cover all proven fraudulent transactions and anything over £15 needs a pin. The information can't be skimmed by third party machines as it's all encrypted.
the point about NFC is that it saves you pi$$ing about for small change, it's quick and it's easy.

Thats true but is a good reason why the limit will not be raised (it might go up to £20). On that basis it seems pointless or at best very limited to put it on a phone. You will always need a card with you.

reclusive46 · 14-12-2012, 23:22

Quote:

Originally Posted by kidspud

Thats true but is a good reason why the limit will not be raised (it might go up to £20). On that basis it seems pointless or at best very limited to put it on a phone. You will always need a card with you.

The limit is already £20. Also MC just announced the new PayPass contactless standard they have. This allows phones to have a PIN on them so it can make transactions over the limit.

call100 · 14-12-2012, 23:43

Quote:

Originally Posted by Gormond

But chip and pin already takes about 10 seconds, it doesn't really seem to slow the payment process down, are you in that much of a rush?

It works in our local pub and really speeds up the bar when it's busy......!! you'd be surprised,,,

NFC on phones won't be just about cash though....Your travel pass, Hotel door pass, Gym pass, etc etc etc will be enabled on the phone. I'm sure they'll think up a myriad of uses.
It's early days yet....To dismiss it so early on is unwise to say the least....

kidspud · 15-12-2012, 06:22

Quote:

Originally Posted by reclusive46

The limit is already £20. Also MC just announced the new PayPass contactless standard they have. This allows phones to have a PIN on them so it can make transactions over the limit.

The limit on my bank card is £15.

If they are putting a pin on thevphnevthenbit sounds like they are recognising contact less payment is very limited.

reclusive46 · 15-12-2012, 09:28

Quote:

Originally Posted by kidspud

The limit on my bank card is £15.

If they are putting a pin on thevphnevthenbit sounds like they are recognising contact less payment is very limited.

The limit is not stored on the card at all. It's stored on the terminal. It's just some terminals have yet to be upgraded. McDonalds is a good example of this.

kidspud · 15-12-2012, 11:45

Quote:

Originally Posted by reclusive46

The limit is not stored on the card at all. It's stored on the terminal. It's just some terminals have yet to be upgraded. McDonalds is a good example of this.

You best tell my bank that because their t&c state £15.

Daveoc64 · 15-12-2012, 16:19

Quote:

Originally Posted by reclusive46

The limit is not stored on the card at all. It's stored on the terminal. It's just some terminals have yet to be upgraded. McDonalds is a good example of this.

It's not stored on the terminal. That wouldn't make sense.

Roush · 15-12-2012, 18:13

Quote:

Originally Posted by Daveoc64

It's not stored on the terminal. That wouldn't make sense.

The limit is enforced by the terminals. With the current Contactless system the banks are not contacted immediately to seek authorisation for a transaction, which is one of the reasons why there is a low transaction limit.

So, with a lack of direct contact with the banks the limit must either be enforced by the terminals or by the cards and since millions of cards did not need replacing when the limit increased to £20 earlier this year we can conclude that it must therefore be the terminals that enforce the limit.

call100 · 15-12-2012, 18:16

Quote:

Originally Posted by Roush

The limit is enforced by the terminals. With the current Contactless system the banks are not contacted immediately to seek authorisation for a transaction, which is one of the reasons why there is a low transaction limit.

So, with a lack of direct contact with the banks the limit must either be enforced by the terminals or by the cards and since millions of cards did not need replacing when the limit increased to £20 earlier this year we can conclude that it must therefore be the terminals that enforce the limit.

Not all banks have moved to £20 yet.......When they do I assume that the change is a software one done over the network to the terminal....

kidspud · 15-12-2012, 18:16

Quote:

Originally Posted by Roush

The limit is enforced by the terminals. With the current Contactless system the banks are not contacted immediately to seek authorisation for a transaction, which is one of the reasons why there is a low transaction limit.

So, with a lack of direct contact with the banks the limit must either be enforced by the terminals or by the cards and since millions of cards did not need replacing when the limit increased to £20 earlier this year we can conclude that it must therefore be the terminals that enforce the limit.

I thought the limit was because the banks are liable for any lost through fraud and therefore were limiting their potential liability. If that is the case, the system will never be able to replace chip and pin.

whoever,hey · 15-12-2012, 18:19

Quote:

Originally Posted by call100

Not all banks have moved to £20 yet.......When they do I assume that the change is a software one done over the network to the terminal....

And the terminal software needs to know the limits by different banks?

Quote:

Originally Posted by kidspud

I thought the limit was because the banks are liable for any lost through fraud and therefore were limiting their potential liability. If that is the case, the system will never be able to replace chip and pin.

Its never meant to replace chip and pin.

kidspud · 15-12-2012, 18:22

Quote:

Originally Posted by whoever,hey

And the terminal software needs to know the limits by different banks?

Its never meant to replace chip and pin.

I know. Which means that I will always need to carry my bank cards and therefore is a pointless application for a phone.

whoever,hey · 15-12-2012, 18:27

Quote:

Originally Posted by kidspud

I know. Which means that I will always need to carry my bank cards and therefore is a pointless application for a phone.

That depends on if you spend a lot of money every day. It will never cover my diesel cost, just because of the fraud risk.

But its very very convenient to use NFC when i've used it. Much quicker than chip and pin, and thats already very fast compared to signing.

kidspud · 15-12-2012, 18:31

Quote:

Originally Posted by whoever,hey

That depends on if you spend a lot of money every day. It will never cover my diesel cost, just because of the fraud risk.

But its very very convenient to use NFC when i've used it. Much quicker than chip and pin, and thats already very fast compared to signing.

For me, it isn't a case of spending money every day, it is the case of always having access to money and therefore needing to carry the cards.

I agree that NFC is very convenient, I just don't see the need for the phone.

Gormond · 15-12-2012, 18:38

Quote:

Originally Posted by kidspud

For me, it isn't a case of spending money every day, it is the case of always having access to money and therefore needing to carry the cards.

I agree that NFC is very convenient, I just don't see the need for the phone.

I agree with this, as you need to still carry your cards about with you, you may as well use that for wireless payment, I cant see the advantage to that being in the phone.

alanwarwic · 15-12-2012, 19:15

Quote:

Originally Posted by Gormond

...I cant see the advantage to that being in the phone.

PAYG banking? Orange will certainly have big interest in it.

I think those gimmicky automated tasks will find purpose too, and obviously need programming.

noise747 · 15-12-2012, 20:20

Quote:

Originally Posted by Stiggles

What? No you dont! NFC would already be on and it can be done while the phone is locked.

I hacked Google wallet on to my S3 a few months back and used the £10 you got free in Mcdonalds of all places and with my S3 i whipped it out my pocket, tapped it on the terminal and that was it. Done.

Fair enough, but I doubt that will happen with all payment options, and with Google Wallet, surly the info got to get back to Google, so your phone to be on for that to happen.

Quote:

You can ask for one. The Co op for instance dont give receipts out unless you ask for one.

You are way to paranoid! Haha!

No, I just like to be in control and have information.

noise747 · 15-12-2012, 20:22

Quote:

Originally Posted by kidspud

I know. Which means that I will always need to carry my bank cards and therefore is a pointless application for a phone.

See i don't always carry my cards, but I normally got cash with me and most of the time I got my phone with me, so yes I can understand how NFC can be useful on a phone, but I still not have it.

13-12-2012, 09:33	#51
noise747 Forum Member Join Date: Dec 2007 Location: Herefordshire Posts: 22,810	Quote: Originally Posted by Stiggles Nonsense. Using NFC. Cashier "Thats £15 please" Me:- Takes out phone, holds phone to card reader. Within 1 second..'BEEP'. Transaction complete. Cashier hands me receipt. Using card. Cashier "Thats £15 please. Me:- Takes out card, makes sure i put it in the right way, insert, wait till she footers about asking cashback etc then i enter pin. Wait for authorisation then remove card. Cashier hands over receipt. NFC is far faster having used both. No, thats to save companies money. Nothing more. Christ! Is there anything you wont whine about?! If it was up to you, we would still be in the bloody stone age! Quote: Originally Posted by Daveoc64 I really don't understand why you say this. Chip and PIN is far faster than the old system. Contactless and NFC are far faster than Chip and PIN. I'm much faster on a Self Service Checkout. Contactless transactions are designed to reduce time in multiple ways: -Usually the payment terminal doesn't need to get confirmation from the bank to authorise the transaction -You don't get a receipt -You don't have to enter your PIN NFC is faster with cards, but if it is on a phone and you have to muck around with turning the thing on, selecting the app, unless the chip turns thhe app on, then maybe selecting what account you want the money to come from, that will take longer. chip and pin can take longer, some people are pretty slow at typing in their number. Daveoc64, you may think you are faster at the selfscan, but i don't think that is true. On selfscan, you have to stick the products through the scanner, muck around with a bag at the other end, then get your card/money out and pay. that also don't include the unexpected item in baggage area errors and please please call the assistant that these machines puts out. They are fine for two to three items and that is it. On a normal checkout, you stick your stuff on the belt, someone scans it for you and at the same time you pack it, and by the time the last item is scanned, you got your money/card out and pay, pick up bag and go. If anything goes wrong you got someone who knows what they are doing giving their attention to you, not 5 or 6 different people. the reason why you think self scans are faster is because you are doing something all the time and so many people hate them, they are don't normally have a load of people behind them. I am pretty quick at the scanning side, I was semi trained for checkouts, so my scanning speed is pretty good, but scanning speed is not really important on these machines. As for the lack of receipt on a NFC terminal, another reason fro me to stay clear of them

13-12-2012, 09:51	#52
kidspud Forum Member Join Date: May 2010 Posts: 11,501	The major issue with contact less payment is the spending limit. My bank sets it at £15, so there is no way I would ever be able to go out with a phone and leave my cards behind. £15 does not even cover a visit to Starbucks on a family visit.

14-12-2012, 01:13	#53
Stiggles Forum Member Join Date: Jan 2011 Location: Dundee, Scotland Posts: 9,293	Quote: Originally Posted by noise747 NFC is faster with cards, but if it is on a phone and you have to muck around with turning the thing on, selecting the app, unless the chip turns thhe app on, then maybe selecting what account you want the money to come from, that will take longer. What? No you dont! NFC would already be on and it can be done while the phone is locked. I hacked Google wallet on to my S3 a few months back and used the £10 you got free in Mcdonalds of all places and with my S3 i whipped it out my pocket, tapped it on the terminal and that was it. Done. Quote: As for the lack of receipt on a NFC terminal, another reason fro me to stay clear of them You can ask for one. The Co op for instance dont give receipts out unless you ask for one. You are way to paranoid! Haha!

14-12-2012, 01:16	#54
Stiggles Forum Member Join Date: Jan 2011 Location: Dundee, Scotland Posts: 9,293	Quote: Originally Posted by kidspud The major issue with contact less payment is the spending limit. My bank sets it at £15, so there is no way I would ever be able to go out with a phone and leave my cards behind. £15 does not even cover a visit to Starbucks on a family visit. This i agree with. I guess because its new and they have to repay if things go pear shaped they have put this limit on. In time it will lift. Like someone else said here earlier, ive never heard about fraud yet with NFC payments. You would have to be within 1 inch to read the data if you were trying to steal it which most people would notice!!

14-12-2012, 10:08	#55
Gormond Forum Member Join Date: Jul 2006 Location: Scotland Posts: 15,714	Quote: Originally Posted by Stiggles This i agree with. I guess because its new and they have to repay if things go pear shaped they have put this limit on. In time it will lift. Like someone else said here earlier, ive never heard about fraud yet with NFC payments. You would have to be within 1 inch to read the data if you were trying to steal it which most people would notice!! I doubt the limit will ever be removed, or it makes using stolen cards/phones easier than its ever been. The only way I could see it working is if the machines started asking for your pin after you scanned it... But then this is all just to save you about 5 seconds, seems hardly worth it. I know loads of people who have had their wallet or phone stolen over the years, in fact one just last week, if people could then use the phone to buy things with no security it would be even worse and you would lose more than the phone.

14-12-2012, 15:37	#56
call100 Forum Member Join Date: Mar 2005 Posts: 6,572	If you lost your wallet or phone surely you would just cancel everything!! The same as you would do before NFC. The bank will cover all proven fraudulent transactions and anything over £15 needs a pin. The information can't be skimmed by third party machines as it's all encrypted. the point about NFC is that it saves you pi$$ing about for small change, it's quick and it's easy.

14-12-2012, 21:13	#57
Gormond Forum Member Join Date: Jul 2006 Location: Scotland Posts: 15,714	Quote: Originally Posted by call100 If you lost your wallet or phone surely you would just cancel everything!! The same as you would do before NFC. The bank will cover all proven fraudulent transactions and anything over £15 needs a pin. The information can't be skimmed by third party machines as it's all encrypted. the point about NFC is that it saves you pi$$ing about for small change, it's quick and it's easy. But chip and pin already takes about 10 seconds, it doesn't really seem to slow the payment process down, are you in that much of a rush?

14-12-2012, 21:34	#58
kidspud Forum Member Join Date: May 2010 Posts: 11,501	Quote: Originally Posted by call100 If you lost your wallet or phone surely you would just cancel everything!! The same as you would do before NFC. The bank will cover all proven fraudulent transactions and anything over £15 needs a pin. The information can't be skimmed by third party machines as it's all encrypted. the point about NFC is that it saves you pi$$ing about for small change, it's quick and it's easy. Thats true but is a good reason why the limit will not be raised (it might go up to £20). On that basis it seems pointless or at best very limited to put it on a phone. You will always need a card with you.

14-12-2012, 23:22	#59
reclusive46 Forum Member Join Date: Nov 2011 Location: Norwich Posts: 570	Quote: Originally Posted by kidspud Thats true but is a good reason why the limit will not be raised (it might go up to £20). On that basis it seems pointless or at best very limited to put it on a phone. You will always need a card with you. The limit is already £20. Also MC just announced the new PayPass contactless standard they have. This allows phones to have a PIN on them so it can make transactions over the limit.

14-12-2012, 23:43	#60
call100 Forum Member Join Date: Mar 2005 Posts: 6,572	Quote: Originally Posted by Gormond But chip and pin already takes about 10 seconds, it doesn't really seem to slow the payment process down, are you in that much of a rush? It works in our local pub and really speeds up the bar when it's busy......!! you'd be surprised,,, NFC on phones won't be just about cash though....Your travel pass, Hotel door pass, Gym pass, etc etc etc will be enabled on the phone. I'm sure they'll think up a myriad of uses. It's early days yet....To dismiss it so early on is unwise to say the least....

15-12-2012, 06:22	#61
kidspud Forum Member Join Date: May 2010 Posts: 11,501	Quote: Originally Posted by reclusive46 The limit is already £20. Also MC just announced the new PayPass contactless standard they have. This allows phones to have a PIN on them so it can make transactions over the limit. The limit on my bank card is £15. If they are putting a pin on thevphnevthenbit sounds like they are recognising contact less payment is very limited.

15-12-2012, 09:28	#62
reclusive46 Forum Member Join Date: Nov 2011 Location: Norwich Posts: 570	Quote: Originally Posted by kidspud The limit on my bank card is £15. If they are putting a pin on thevphnevthenbit sounds like they are recognising contact less payment is very limited. The limit is not stored on the card at all. It's stored on the terminal. It's just some terminals have yet to be upgraded. McDonalds is a good example of this.

15-12-2012, 11:45	#63
kidspud Forum Member Join Date: May 2010 Posts: 11,501	Quote: Originally Posted by reclusive46 The limit is not stored on the card at all. It's stored on the terminal. It's just some terminals have yet to be upgraded. McDonalds is a good example of this. You best tell my bank that because their t&c state £15.

15-12-2012, 16:19	#64
Daveoc64 Forum Member Join Date: Sep 2003 Location: Bristol (BBC1 West) Posts: 15,143	Quote: Originally Posted by reclusive46 The limit is not stored on the card at all. It's stored on the terminal. It's just some terminals have yet to be upgraded. McDonalds is a good example of this. It's not stored on the terminal. That wouldn't make sense.

15-12-2012, 18:13	#65
Roush Forum Member Join Date: Mar 2011 Location: Hertfordshire Posts: 2,938	Quote: Originally Posted by Daveoc64 It's not stored on the terminal. That wouldn't make sense. The limit is enforced by the terminals. With the current Contactless system the banks are not contacted immediately to seek authorisation for a transaction, which is one of the reasons why there is a low transaction limit. So, with a lack of direct contact with the banks the limit must either be enforced by the terminals or by the cards and since millions of cards did not need replacing when the limit increased to £20 earlier this year we can conclude that it must therefore be the terminals that enforce the limit.

15-12-2012, 18:16	#66
call100 Forum Member Join Date: Mar 2005 Posts: 6,572	Quote: Originally Posted by Roush The limit is enforced by the terminals. With the current Contactless system the banks are not contacted immediately to seek authorisation for a transaction, which is one of the reasons why there is a low transaction limit. So, with a lack of direct contact with the banks the limit must either be enforced by the terminals or by the cards and since millions of cards did not need replacing when the limit increased to £20 earlier this year we can conclude that it must therefore be the terminals that enforce the limit. Not all banks have moved to £20 yet.......When they do I assume that the change is a software one done over the network to the terminal....

15-12-2012, 18:19	#68
whoever,hey Forum Member Join Date: Mar 2006 Posts: 30,072	Quote: Originally Posted by call100 Not all banks have moved to £20 yet.......When they do I assume that the change is a software one done over the network to the terminal.... And the terminal software needs to know the limits by different banks? Quote: Originally Posted by kidspud I thought the limit was because the banks are liable for any lost through fraud and therefore were limiting their potential liability. If that is the case, the system will never be able to replace chip and pin. Its never meant to replace chip and pin.

15-12-2012, 18:22	#69
kidspud Forum Member Join Date: May 2010 Posts: 11,501	Quote: Originally Posted by whoever,hey And the terminal software needs to know the limits by different banks? Its never meant to replace chip and pin. I know. Which means that I will always need to carry my bank cards and therefore is a pointless application for a phone.

15-12-2012, 18:27	#70
whoever,hey Forum Member Join Date: Mar 2006 Posts: 30,072	Quote: Originally Posted by kidspud I know. Which means that I will always need to carry my bank cards and therefore is a pointless application for a phone. That depends on if you spend a lot of money every day. It will never cover my diesel cost, just because of the fraud risk. But its very very convenient to use NFC when i've used it. Much quicker than chip and pin, and thats already very fast compared to signing.

15-12-2012, 18:31	#71
kidspud Forum Member Join Date: May 2010 Posts: 11,501	Quote: Originally Posted by whoever,hey That depends on if you spend a lot of money every day. It will never cover my diesel cost, just because of the fraud risk. But its very very convenient to use NFC when i've used it. Much quicker than chip and pin, and thats already very fast compared to signing. For me, it isn't a case of spending money every day, it is the case of always having access to money and therefore needing to carry the cards. I agree that NFC is very convenient, I just don't see the need for the phone.

15-12-2012, 18:38	#72
Gormond Forum Member Join Date: Jul 2006 Location: Scotland Posts: 15,714	Quote: Originally Posted by kidspud For me, it isn't a case of spending money every day, it is the case of always having access to money and therefore needing to carry the cards. I agree that NFC is very convenient, I just don't see the need for the phone. I agree with this, as you need to still carry your cards about with you, you may as well use that for wireless payment, I cant see the advantage to that being in the phone.

DS Forums

When will NFC Contactless Payment be available?

15-12-2012, 19:15	#73
alanwarwic Forum Member Join Date: Oct 2003 Location: the wild world web Posts: 28,132	Quote: Originally Posted by Gormond ...I cant see the advantage to that being in the phone. PAYG banking? Orange will certainly have big interest in it. I think those gimmicky automated tasks will find purpose too, and obviously need programming.

15-12-2012, 20:20	#74
noise747 Forum Member Join Date: Dec 2007 Location: Herefordshire Posts: 22,810	Quote: Originally Posted by Stiggles What? No you dont! NFC would already be on and it can be done while the phone is locked. I hacked Google wallet on to my S3 a few months back and used the £10 you got free in Mcdonalds of all places and with my S3 i whipped it out my pocket, tapped it on the terminal and that was it. Done. Fair enough, but I doubt that will happen with all payment options, and with Google Wallet, surly the info got to get back to Google, so your phone to be on for that to happen. Quote: You can ask for one. The Co op for instance dont give receipts out unless you ask for one. You are way to paranoid! Haha! No, I just like to be in control and have information.

15-12-2012, 20:22	#75
noise747 Forum Member Join Date: Dec 2007 Location: Herefordshire Posts: 22,810	Quote: Originally Posted by kidspud I know. Which means that I will always need to carry my bank cards and therefore is a pointless application for a phone. See i don't always carry my cards, but I normally got cash with me and most of the time I got my phone with me, so yes I can understand how NFC can be useful on a phone, but I still not have it.