DS Forums

 
 

Android Pay to Rival Apple Pay in the UK Next Month


Reply
Thread Tools Search this Thread
Old 12-09-2016, 15:40
Stig
Forum Member
 
Join Date: Sep 2003
Location: Sandy Heath, Beds. UK
Posts: 10,379
I know it's been said before, but can you imagine the fuss that would have been made if it were iPhones catching fire...
Stig is offline   Reply With Quote
Please sign in or register to remove this advertisement.
Old 12-09-2016, 16:04
kidspud
Forum Member
 
Join Date: May 2010
Posts: 11,493
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.
Why do you think it is not needed?

It's all very well the bank underwriting any contactless payment theft but you cannot blame them for using protection which is easily available and of no inconvenience to the user.

If you think the additional checking isn't necessary, I assume you would be happy to underwrite any loss yourself?
kidspud is offline   Reply With Quote
Old 12-09-2016, 16:40
d123
Forum Member
 
Join Date: Jul 2007
Posts: 3,987
Zero times. And as it stands, I never will.
Yet you still feel feel qualified to pass comment and judgement on the system and its convenience?
d123 is offline   Reply With Quote
Old 12-09-2016, 16:49
gomezz
Forum Member
 
Join Date: Oct 2004
Location: Buckingham
Posts: 28,546
I can read and comprehend and have a career background in banking IT.
gomezz is offline   Reply With Quote
Old 12-09-2016, 16:51
Aye Up
Forum Member
 
Join Date: Mar 2001
Location: North West
Posts: 4,884
Just for the sake of clarity all banks in the UK have agreed to underwrite contactless payments via card or phone. In the event your card or phone is stolen and someone decides to do several transactions you, when you notify your bank it will be refunded back into your account immediately.

If you are still concerned about contactless cards speak to your bank who'll issue a chip and pin only card.

I work in the banking industry and this is coming up a lot. Retails also get a discount on their card processing fees if they persuade customers to do a contactless payment.
Aye Up is offline Follow this poster on Twitter   Reply With Quote
Old 12-09-2016, 16:55
gomezz
Forum Member
 
Join Date: Oct 2004
Location: Buckingham
Posts: 28,546
If you are still concerned about contactless cards speak to your bank who'll issue a chip and pin only card
I did.

How do banks play it if they suspect a customer is fraudulently claiming fraudulent contactless transactions?
gomezz is offline   Reply With Quote
Old 12-09-2016, 17:04
jonmorris
Forum Member
 
Join Date: Jul 2002
Location: a land filled with trolls
Posts: 12,014
I did.

How do banks play it if they suspect a customer is fraudulently claiming fraudulent contactless transactions?
I expect they are not going to reveal that, but if you've got a background in the field then you presumably know the answer?
jonmorris is offline Follow this poster on Twitter   Reply With Quote
Old 12-09-2016, 17:18
Roush
Forum Member
 
Join Date: Mar 2011
Location: Hertfordshire
Posts: 2,937
How do banks play it if they suspect a customer is fraudulently claiming fraudulent contactless transactions?
A contactless transaction cannot occur without the chip inside the card performing the cryptogram generation, or a substitute for this such as a phone that contains the software to generate the cryptogram instead.

A fraudulent contactless transaction cannot therefore be performed solely with information that may have been skimmed from a contactless card which in turn means that, in the real world, the card / phone has to actually be in the hands of an unauthorised user for a fraudulent transaction to occur.

With that in mind, I'm sure it's already standard practice for banks to involve the police if they suspect foul play on the part of a card holder.
Roush is offline   Reply With Quote
Old 12-09-2016, 17:25
Stiggles
Forum Member
 
Join Date: Jan 2011
Location: Dundee, Scotland
Posts: 9,292
I know it's been said before, but can you imagine the fuss that would have been made if it were iPhones catching fire...
Wrong thread?

Although iphones have indeed caught fire and caused injuries.
Stiggles is offline   Reply With Quote
Old 12-09-2016, 17:58
gomezz
Forum Member
 
Join Date: Oct 2004
Location: Buckingham
Posts: 28,546
in the real world, the card / phone has to actually be in the hands of an unauthorised user for a fraudulent transaction to occur
That is the whole point of contactless - it doesn't as has been demonstrated at various security conferences.
gomezz is offline   Reply With Quote
Old 12-09-2016, 17:59
gomezz
Forum Member
 
Join Date: Oct 2004
Location: Buckingham
Posts: 28,546
I expect they are not going to reveal that, but if you've got a background in the field then you presumably know the answer?
I know it creates the possibility for an innocent customer to be falsely accused of fraud.
gomezz is offline   Reply With Quote
Old 12-09-2016, 18:04
Resonance
Forum Member
 
Join Date: Jan 2010
Posts: 9,209
Not read the whole thread, but I presume Barclaycard are sticking with their own app?? Android pay won't let me add it.
Resonance is offline   Reply With Quote
Old 12-09-2016, 18:10
kidspud
Forum Member
 
Join Date: May 2010
Posts: 11,493
I know it creates the possibility for an innocent customer to be falsely accused of fraud.
I really don't think this technology is for you, too many risks involved.

I dread to think how you cope with using cash.
kidspud is offline   Reply With Quote
Old 12-09-2016, 20:22
paulbrock
Forum Member
 
Join Date: Apr 2002
Location: Wapping, London
Posts: 16,222
Not read the whole thread, but I presume Barclaycard are sticking with their own app?? Android pay won't let me add it.
Pretty much. It does the same thing as Android Pay, on the same devices but they keep control over it.
paulbrock is offline Follow this poster on Twitter   Reply With Quote
Old 12-09-2016, 21:33
Resonance
Forum Member
 
Join Date: Jan 2010
Posts: 9,209
Pretty much. It does the same thing as Android Pay, on the same devices but they keep control over it.
Thanks Paul
Resonance is offline   Reply With Quote
Old 13-09-2016, 09:06
Heanor_Man31
Forum Member
 
Join Date: Jun 2016
Posts: 399
Maybe Barclaycard will roll out Android Pay eventually.

It took them many months to thrash out a deal with Apple so who knows?
Heanor_Man31 is offline   Reply With Quote
Old 13-09-2016, 09:33
paulbrock
Forum Member
 
Join Date: Apr 2002
Location: Wapping, London
Posts: 16,222
Maybe Barclaycard will roll out Android Pay eventually.

It took them many months to thrash out a deal with Apple so who knows?
well there was an incentive for Barclays to do the apple deal as they are unable to offer their own service on iphone. It was complicated because Apple wanted them to not offer alternatives and Barclays stuck to their guns.

There's simply no incentive for Barclays to add Android pay, and, tbh, very little incentive for their customers to ask for it anymore. The only thing I can see we're missing out on is the Android pay rewards programme, which looks to be empty right now.
https://www.android.com/intl/en_uk/pay/rewards/
paulbrock is offline Follow this poster on Twitter   Reply With Quote
Old 13-09-2016, 10:31
Stereo Steve
Forum Member
 
Join Date: Jul 2004
Posts: 1,377
I have to say, having used Apple Pay for the first time that if 99% of places accepted it, I would ask my bank for chip and pin cards only and probably carry all my cards less often. I like the security of the fingerprint. I don't like the idea that if someone pinched my Santander debit card they could go on a spree. I know we are protected from that but do you really want the hassle of going through all that?

I think it would be good if Google in some way made it optional to have a scan for all transactions if your phone supported it. Wouldn't that be fairly simple? If you had a phone with a scanner, you can just turn that on and you are protected.
Stereo Steve is offline   Reply With Quote
Old 13-09-2016, 10:33
jonmorris
Forum Member
 
Join Date: Jul 2002
Location: a land filled with trolls
Posts: 12,014
If someone grabs a physical contactless card, there's only so much they can spend before having to enter a PIN.
jonmorris is offline Follow this poster on Twitter   Reply With Quote
Old 13-09-2016, 11:33
paulbrock
Forum Member
 
Join Date: Apr 2002
Location: Wapping, London
Posts: 16,222
and really how would someone significantly benefit from stealing a contactless card?

stock up on lattes and sandwiches before its cancelled?
paulbrock is offline Follow this poster on Twitter   Reply With Quote
Old 13-09-2016, 13:46
Stiggles
Forum Member
 
Join Date: Jan 2011
Location: Dundee, Scotland
Posts: 9,292
RBS, Santander and NatWest have been added to android pay today
Stiggles is offline   Reply With Quote
Old 13-09-2016, 14:27
Stereo Steve
Forum Member
 
Join Date: Jul 2004
Posts: 1,377
I guess there is a daily limit for contactless? Not being funny but £30 goes a bit further down here than in London ie. more than a coffee so if you do steal a card, head this way!. Anyway, that's not the point. I have used my Santander Debit card hundreds of times without having to enter a pin. But I suppose if I used it 5 times in a day I might be asked? Is that how it works?

Whatever, I still think the fingerprint is the way forward. As I said, if Apple Pay was in most places, I would ask for chip and pin cards again.
Stereo Steve is offline   Reply With Quote
Old 13-09-2016, 14:48
binary
Forum Member
 
Join Date: Jan 2002
Posts: 634
I guess there is a daily limit for contactless? Not being funny but £30 goes a bit further down here than in London ie. more than a coffee so if you do steal a card, head this way!
I regard a flat white costing less than twenty quid as the equivalent of having a chipped mug of Nescafe thrown in your face...
binary is offline   Reply With Quote
Old 13-09-2016, 14:59
gomezz
Forum Member
 
Join Date: Oct 2004
Location: Buckingham
Posts: 28,546
Never had a paid for cup of coffee that tasted anywhere near as good as the ones I makes for myself and put in a Thermos travel mug to avoid the cafe-bought muck.
gomezz is offline   Reply With Quote
Old 13-09-2016, 15:09
Stereo Steve
Forum Member
 
Join Date: Jul 2004
Posts: 1,377
I regard a flat white costing less than twenty quid as the equivalent of having a chipped mug of Nescafe thrown in your face...
I have no idea what you just said but I think it illustrates the point perfectly. Earning £100k and paying £1mil for a house is sort of similar to earning £10k and paying £100k for a house. It's all the other bits which get confused.
Stereo Steve is offline   Reply With Quote
 
Reply




 
Forum Jump


All times are GMT. The time now is 17:33.