Android Pay to Rival Apple Pay in the UK Next Month

Originally Posted by gillyallan

What does it mean by the screen being on if it does not mean unlocked?

(my phone can by unlocked with the screen off but not the other way round)

To make purchases up to £30 the only requirement is to wake your phone up - you do not need to unlock it, simply wake up the screen and hold it to the card reader. For purchases over £30 pounds you have to wake up your phone and then unlock the screen before placing the phone over the card reader.

gomezz · 10-09-2016, 23:55

What is the difference between waking up the screen and waking up the phone? Does the former just mean the screen lights up with the lockscreen dialogue on it?

gillyallan · 11-09-2016, 07:00

This not unlocking phone for up to 30 quid puts me off. My cards in my wallet live in my pocket. My phone often gets left out. It's far easier to nick my phone off me than my bank card.

mossy2103 · 11-09-2016, 08:20

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This not unlocking phone for up to 30 quid puts me off. My cards in my wallet live in my pocket. My phone often gets left out. It's far easier to nick my phone off me than my bank card.

Regardless of Android Pay, perhaps you should be looking at keeping a better check on your phone!

NathDogg · 11-09-2016, 09:37

If your phone is lost or stolen you can use the remote wipe feature to remove your cards from Android pay.

This is what the Google support pages says about it.

"Lost or stolen phone
Whenever your phone is unlocked, it can be used to make purchases with Android Pay. If your phone is lost or stolen, you can find, lock or erase it using Android Device Manager"

Faust · 11-09-2016, 11:55

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Originally Posted by gillyallan

What is the difference between waking up the screen and waking up the phone? Does the former just mean the screen lights up with the lockscreen dialogue on it?

Correct!

Faust · 11-09-2016, 11:56

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This not unlocking phone for up to 30 quid puts me off. My cards in my wallet live in my pocket. My phone often gets left out. It's far easier to nick my phone off me than my bank card.

I apply equal security to both. Something perhaps you should look at doing too.

gomezz · 11-09-2016, 14:13

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Originally Posted by Faust

Correct!

Thanks for the clarification. My confusion was caused by currently having a Window phone whose screen can be in one of four states

1) Off when not in use maybe in pocket or bag;

2) Glance screen showing notifications which automatically comes on when removing the phone from pocket or bag or by waving your hand over the camera light sensor;

3) Lock screen which is activated the power button or by a double tap on the screen;

4) Unlocked when you dismiss the lock screen which optionally needs a PIN to be entered if the phone has been locked for more than 30 minutes.

gillyallan · 11-09-2016, 15:08

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Originally Posted by Faust

I apply equal security to both. Something perhaps you should look at doing too.

By nature and it's size. My card is in my pocket. My phone could be on a table etc from time to time.

Anika Hanson · 12-09-2016, 03:10

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Originally Posted by NathDogg

If your phone is lost or stolen you can use the remote wipe feature to remove your cards from Android pay.

This is what the Google support pages says about it.

"Lost or stolen phone
Whenever your phone is unlocked, it can be used to make purchases with Android Pay. If your phone is lost or stolen, you can find, lock or erase it using Android Device Manager"

Yes but what if you don't realise for some time that your phone is gone or it takes you a while to be able to wipe your phone. It's a security risk

Anika Hanson · 12-09-2016, 03:17

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Same with Android pay. It's limited to £30 without PIN/fingerprint authentication.

All Android phones are the same in this respect. You still have to wake the phone to allow even the £30 purchase.

On the iPhone you can't make any payments without your fingerprint. On android you can make payments under £30 without any authentication. I've used it on the Samsung Galaxy S7 edge and it didn't require me to use the fingerprint scanner. I don't think it's very secure.

kidspud · 12-09-2016, 05:09

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On the iPhone you can't make any payments without your fingerprint. On android you can make payments under £30 without any authentication. I've used it on the Samsung Galaxy S7 edge and it didn't require me to use the fingerprint scanner. I don't think it's very secure.

I do find that a little surprising, but I suspect that is the result of a lot of android phones not having fingerprint recognition.

With the s7 you would have thought that f the security is there, they would use it.

Stiggles · 12-09-2016, 05:35

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On the iPhone you can't make any payments without your fingerprint. On android you can make payments under £30 without any authentication. I've used it on the Samsung Galaxy S7 edge and it didn't require me to use the fingerprint scanner. I don't think it's very secure.

It's just as secure as your contactless card. Which is perfectly secure.

If it's stolen, you get your money back anyway.

Stiggles · 12-09-2016, 05:55

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Yes but what if you don't realise for some time that your phone is gone or it takes you a while to be able to wipe your phone. It's a security risk

If it was such a security risk, no banks would have joined up to it.

No matter what, just like contactless cards, you will get your money back.

gomezz · 12-09-2016, 09:46

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If it's stolen, you get your money back anyway.

A curious definition of what it means to be secure.

Roush · 12-09-2016, 09:56

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On the iPhone you can't make any payments without your fingerprint.

Yeah you can. If your fingerprint fails to scan you can enter your device passcode instead and you actually turn off Touch ID for Apple Pay and just use the device passcode for transaction authorisation.

All transactions do require authorisation though, be it fingerprint or passcode.

Stiggles · 12-09-2016, 12:10

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A curious definition of what it means to be secure.

So i assume you think contactless cards are not secure then?

NathDogg · 12-09-2016, 13:14

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Yes but what if you don't realise for some time that your phone is gone or it takes you a while to be able to wipe your phone. It's a security risk

In that case you would contact your bank in the same way you would if you lost your wallet containing your contactless cards. Remember you are protected against contactless payments.

In this case, losing your phone would be no different to losing your wallet and cards.

Also we are assuming that the first thing a thief or someone that finds your phone is going to do is try and use it to purchase something. I'm not sure how likely that scenario is but I guess it's a possibility, again you would be covered by your bank and offered a refund.

paulbrock · 12-09-2016, 13:48

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So i assume you think contactless cards are not secure then?

that's certainly the message that phone/OS manufacturers want you to take away. I wonder if its partly due to the fact that America hasn't yet embraced contactless cards.

Personally, I think the additional 'security' of tokenisation/fingerprints etc is a feature that's simply not needed.

gomezz · 12-09-2016, 15:07

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So i assume you think contactless cards are not secure then?

I don't. Not compared to the alternative methods of payment.

d123 · 12-09-2016, 15:12

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