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When will NFC Contactless Payment be available?


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Old 15-12-2012, 20:53
alanwarwic
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For anyone visiting London you do not have to buy an Oyster card for buses.

It is now £1.35 via NFC or Oyster versus £2.30 payment in cash.
Oystercards supposedly cost too much to administrate so TFL thinks it will save money.
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Old 15-12-2012, 21:49
neo_wales
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Take cash from an ATM and you have your photo taken and what do you think Google will do with your data, draw money from your account?

You desperately need to chill out, your verging close to needing a tin foil hat mate.
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Old 15-12-2012, 22:12
alanwarwic
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You all forget the prime reason its on phones.

Its principally there to let Google and networks sell you stuff and services.
If you think of Tesco Mobile and Tesco Bank, with Tesco NFC you can see ways in which it can head.
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Old 15-12-2012, 22:43
whoever,hey
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You all forget the prime reason its on phones.

Its principally there to let Google and networks sell you stuff and services.
If you think of Tesco Mobile and Tesco Bank, with Tesco NFC you can see ways in which it can head.
Yeah i dread that time.
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Old 15-12-2012, 23:18
The Wizard
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Got my new debit card through today and the idiots have sent me a replacement regular debit card despite me phoning to request a contactless card. Another call to TwatWest on Monday.
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Old 16-12-2012, 02:35
Stiggles
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Got my new debit card through today and the idiots have sent me a replacement regular debit card despite me phoning to request a contactless card. Another call to TwatWest on Monday.
Same. I've been trying to get one from the rbs for months and they keep sending me normal debit cards lol
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Old 16-12-2012, 07:33
alan1302
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You all forget the prime reason its on phones.

Its principally there to let Google and networks sell you stuff and services.
If you think of Tesco Mobile and Tesco Bank, with Tesco NFC you can see ways in which it can head.
Other than being able to target you with ads I can't see where it would lead to be honest.

I'm more concerned if they start charging you for using it...if they have not already!
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Old 16-12-2012, 10:54
noise747
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For anyone visiting London you do not have to buy an Oyster card for buses.

It is now £1.35 via NFC or Oyster versus £2.30 payment in cash.
Oystercards supposedly cost too much to administrate so TFL thinks it will save money.
i have not been to London for years, I was going to go in the near future to have a look at some of the Museums there. Oyster would no doubt be the cheapest way to get around the place.
i presume you can get a card just for a few days and then dump it?
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Old 16-12-2012, 10:57
noise747
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Take cash from an ATM and you have your photo taken and what do you think Google will do with your data, draw money from your account?
I get cash out normally from our local co-op and yes I know they have cameras, but then so have other supermarkets and shops.

You desperately need to chill out, your verging close to needing a tin foil hat mate.
i wish you would stop telling me what I should or should not do , oh i am not your Mate.
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Old 16-12-2012, 10:58
noise747
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You all forget the prime reason its on phones.

Its principally there to let Google and networks sell you stuff and services.
If you think of Tesco Mobile and Tesco Bank, with Tesco NFC you can see ways in which it can head.
yep, you are right. don't work on me mind you.
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Old 16-12-2012, 12:19
marknotgeorge
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i have not been to London for years, I was going to go in the near future to have a look at some of the Museums there. Oyster would no doubt be the cheapest way to get around the place.
i presume you can get a card just for a few days and then dump it?
You can, although you have to pay a £5 deposit, so you may as well keep hold of it.

I think NFC on London Transport will be NFC's killer use case, especially if they can combine it with Oyster. You can already get apps that do travel planning with live train data, and one I've seen on Windows Phone shows your Oyster balance. You can see if you've got time to get a coffee before the train comes, and if the train's almost there, you can use the phone that's already in your hand to get through the barriers. Brilliant...
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Old 16-12-2012, 12:22
call100
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I fail to see any reasonable argument against the process here. Plenty of people using the same arguments that were trotted out for chip and pin and internet banking....
It's very simple really, the system will be there for people to use on their phones, if they choose, no one will be forced to use it.
I dare say that those opposing it will be in the minority in the future and to be honest, the only people they will be affecting will be themselves. I'd also lay even money that a lot of the nay sayers will drift over to the dark side eventually...
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Old 16-12-2012, 12:31
CoolboyA
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I wish Clydesdale Bank would get with the times. They still don't even offer Visa cards or have a mobile banking app!

I have NFC on my phone, but it's no use to me as I have no app to use it with. My MasterCard has NFC though and I use that in places which support it.
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Old 16-12-2012, 12:47
kidspud
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I fail to see any reasonable argument against the process here. Plenty of people using the same arguments that were trotted out for chip and pin and internet banking....
It's very simple really, the system will be there for people to use on their phones, if they choose, no one will be forced to use it.
I dare say that those opposing it will be in the minority in the future and to be honest, the only people they will be affecting will be themselves. I'd also lay even money that a lot of the nay sayers will drift over to the dark side eventually...
I agree. I think my only debate was phones replacing cards which due to limits, I just cannot see happening.
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Old 16-12-2012, 12:58
whoever,hey
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I agree. I think my only debate was phones replacing cards which due to limits, I just cannot see happening.
What limits? or do you mean contraints?
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Old 16-12-2012, 13:05
kidspud
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What limits? or do you mean contraints?
Spending limit. What do you mean by constraint?
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Old 16-12-2012, 13:45
whoever,hey
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Spending limit. What do you mean by constraint?
There is still a spending limit on the phone isn't there?
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Old 16-12-2012, 13:58
alanwarwic
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Yep,

I hope TFL got a massive incentivised deal on this one.
If it goes well it pretty much helps move NFC into full general use.

When the iPhone 5 arrived without it, NFC suffered negative publicity, and now seldom gets a mention in the press.

I dislike entering a PIN in places I don't know, in case its piggyed onto a cloning machine.
So for sub £20, NFC will certainly become my payment method of choice.
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Old 16-12-2012, 16:11
kidspud
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There is still a spending limit on the phone isn't there?
I think we've got our wires crossed.

It is because limits will exist on phones that I think the application is flawed. I will still need my cards with me so having contact less payment on my phone provides no benefit.
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Old 16-12-2012, 16:45
alanwarwic
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Limits exist on cards so they are flawed too.
And I still need cash with me.

Everything is flawed.
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Old 16-12-2012, 17:10
marknotgeorge
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Limits exist on cards so they are flawed too.
And I still need cash with me.

Everything is flawed.
The one thing that concerns me about NFC is the not always linking back to the bank. With my bank Electron card, I can get an instant available cash balance (via the bank's mobile website if need be) and it doesn't let me get overdrawn. I dislike carrying cash, because I find I overspend with it. If I use my card to buy lunch, say, I'll spend the two or three quid. with cash, I have to take out a tenner, and then I'll tend to spend the rest on rubbish. You can get PAYG NFC cards (Orange do one) so you can't overspend, but would the topping up bring the same problems as cash? We'll have to see...
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Old 16-12-2012, 21:28
noise747
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You can, although you have to pay a £5 deposit, so you may as well keep hold of it.
Everyone wants more money.

Hang on if it is a deposit, then I presume you can retunr the card and get the fiver back.

Not worth keeping the card, i may never go to lodon again.

I think NFC on London Transport will be NFC's killer use case, especially if they can combine it with Oyster. You can already get apps that do travel planning with live train data, and one I've seen on Windows Phone shows your Oyster balance. You can see if you've got time to get a coffee before the train comes, and if the train's almost there, you can use the phone that's already in your hand to get through the barriers. Brilliant...
Depends how good the App or apps are to be honest and it they are easy to use. No doubt if don't right then it could bring NFC into use more.


The problem is, this country normally muck something up when it comes to technology.
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Old 16-12-2012, 21:33
kidspud
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Limits exist on cards so they are flawed too.
And I still need cash with me.

Everything is flawed.
There is no limit on my chip and pin, except the amount of money in my account.
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Old 16-12-2012, 21:33
noise747
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I fail to see any reasonable argument against the process here. Plenty of people using the same arguments that were trotted out for chip and pin and internet banking....
It's very simple really, the system will be there for people to use on their phones, if they choose, no one will be forced to use it.
I dare say that those opposing it will be in the minority in the future and to be honest, the only people they will be affecting will be themselves. I'd also lay even money that a lot of the nay sayers will drift over to the dark side eventually...
A waste of time if it is not universal, some places still don't accept debit/credit cards and they been around for years, what makes you think they are going to spend out for new terminals for NFC?

Take our local chippy for instance, they don't take credit/debit card.

The one problem with systems like NFC and paying by card to be honest is that sometimes you can go over the top with spending. If I go out for a few pints I take cash, it means that once I spent that cash, i can't spend any more. it is very easy when you are in a pub to spend more money that you want to if you got a card.

i will keep with Cash thank you very much.
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Old 16-12-2012, 21:49
whoever,hey
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A waste of time if it is not universal, some places still don't accept debit/credit cards and they been around for years, what makes you think they are going to spend out for new terminals for NFC?

Take our local chippy for instance, they don't take credit/debit card.
Chip and PIN as you say is not universal (ie. my and your chippy). I wouldn't call it a failure though would you?
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