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Android Pay to Rival Apple Pay in the UK Next Month
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Stig
12-09-2016
I know it's been said before, but can you imagine the fuss that would have been made if it were iPhones catching fire...
kidspud
12-09-2016
Originally Posted by paulbrock:
“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?
d123
12-09-2016
Originally Posted by gomezz:
“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?
gomezz
12-09-2016
I can read and comprehend and have a career background in banking IT.
Aye Up
12-09-2016
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.
gomezz
12-09-2016
Originally Posted by Aye Up:
“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?
jonmorris
12-09-2016
Originally Posted by gomezz:
“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?
Roush
12-09-2016
Originally Posted by gomezz:
“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.
Stiggles
12-09-2016
Originally Posted by Stig:
“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.
gomezz
12-09-2016
Originally Posted by Roush:
“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
12-09-2016
Originally Posted by jonmorris:
“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.
Resonance
12-09-2016
Not read the whole thread, but I presume Barclaycard are sticking with their own app?? Android pay won't let me add it.
kidspud
12-09-2016
Originally Posted by gomezz:
“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.
paulbrock
12-09-2016
Originally Posted by Resonance:
“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.
Resonance
12-09-2016
Originally Posted by paulbrock:
“Pretty much. It does the same thing as Android Pay, on the same devices but they keep control over it.”

Thanks Paul
Heanor_Man31
13-09-2016
Maybe Barclaycard will roll out Android Pay eventually.

It took them many months to thrash out a deal with Apple so who knows?
paulbrock
13-09-2016
Originally Posted by Heanor_Man31:
“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/
Stereo Steve
13-09-2016
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.
jonmorris
13-09-2016
If someone grabs a physical contactless card, there's only so much they can spend before having to enter a PIN.
paulbrock
13-09-2016
and really how would someone significantly benefit from stealing a contactless card?

stock up on lattes and sandwiches before its cancelled?
Stiggles
13-09-2016
RBS, Santander and NatWest have been added to android pay today
Stereo Steve
13-09-2016
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.
binary
13-09-2016
Originally Posted by Stereo Steve:
“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...
gomezz
13-09-2016
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.
Stereo Steve
13-09-2016
Originally Posted by binary:
“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.
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