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Android Pay to Rival Apple Pay in the UK Next Month


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Old 18-05-2016, 21:00
lamby
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How do loyalty cards work?
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Old 18-05-2016, 21:20
tealady
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How do loyalty cards work?
How do they work at the moment?
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Old 18-05-2016, 21:41
lamby
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How do they work at the moment?
Normally Tesco is barcode scanned or swiped.
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Old 18-05-2016, 21:50
Red Arrow
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I read something that seemed to imply if you used Android Pay at Tesco for example and had your Clubcard on the Pay app, it will somehow reward you the points. Perhaps Android Pay checks when making a purchase and tells the retailer to reward the points.

But in my mind that would require all retailers to rework some of the code on the tills/payment system to work with that. I doubt they've all done this.
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Old 18-05-2016, 21:51
tealady
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Normally Tesco is barcode scanned or swiped.
So not connected t the method of payment then?
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Old 18-05-2016, 21:53
Brian The Dog
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The system isn't easy to setup due to the way the transactions are secured. When using your card for a contactless purchase its no different to chip and pin (save not entering a pin), the process is the same. For Android and Apple Pay we know unique auth codes are used once in every transaction, thats where the complication lies.
Why does it have to be that way? As I said earlier, I installed an app that reads contactless cards and my Barclays Debit card readily coughed up the card number and expiry date; if that is all that is needed to take money from my bank account and Barclays are happy with that, why do we even need Android Pay as all you need is a simple app where you insert your card number and expiry date and it just sends that to the `terminal like a contactless card does?

Call it a contactless card emulator if you wish, but if Barclays are happy with the security on contactless transactions (or lack of it) then why the need for anything more complex?
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Old 18-05-2016, 21:53
alanwarwic
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The reason handset makers want you to leave Wifi and BT on is for things such as loyalty cards. Is that not one of the intents of iBeacon?

And Google Face Pay sounds a spookier version of the user tracking scenarios BT and Wifi offer.
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Old 18-05-2016, 22:15
Brian The Dog
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Maybe you don't always have your credit cards with you, but will probably have your phone.
??? Wow how the world has changed. Mostly I always take both but as money is always more important than reading what my facebook friends are saying they had for breakfast, then my wallet with my card and/or cash takes priority over remembering to take my phone!

Plus as a debit card is as thin as anything, if would fit nicely inside most phone cases and so no need for a wallet. Hey, if your contactless debit card is close enough to the surface of the phone case you could pay just by holding your phone next to the terminal: Who needs Android pay?
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Old 18-05-2016, 22:20
kidspud
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The reason handset makers want you to leave Wifi and BT on is for things such as loyalty cards. Is that not one of the intents of iBeacon?

And Google Face Pay sounds a spookier version of the user tracking scenarios BT and Wifi offer.
In Apple Pay, neither wifi or BT are needed. Even if you use loyalty cards it will update later if wifi is off.
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Old 19-05-2016, 07:10
mossy2103
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??? Wow how the world has changed. Mostly I always take both but as money is always more important than reading what my facebook friends are saying they had for breakfast, then my wallet with my card and/or cash takes priority over remembering to take my phone!

Plus as a debit card is as thin as anything, if would fit nicely inside most phone cases and so no need for a wallet. Hey, if your contactless debit card is close enough to the surface of the phone case you could pay just by holding your phone next to the terminal: Who needs Android pay?
Two points:

1) What if you go out and forget your credit cards (but have your phone)? I have done this on occasion.

2) With your contactless credit card in your phone case, what if you use a terminal that does not accept contactless cards? You need to take out your card and some cases are very fiddly (risking your phone dropping to the floor whilst you juggle with case and card).

It might be ideal for you, but maybe not for other people.
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Old 19-05-2016, 07:13
jonmorris
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I am not sure any of this technology is designed for people who forget their wallet.

What next? Your smartwatch means you don't need to worry about remembering your phone?

If you forget your keys, no matter as you'll have a smart lock that can be opened with your phone.

Like Apple Pay, Android Pay will be useful at times but I won't leave my ordinary card at home. I'll just choose what to use at the time.
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Old 19-05-2016, 07:58
kidspud
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I am not sure any of this technology is designed for people who forget their wallet.

What next? Your smartwatch means you don't need to worry about remembering your phone?

If you forget your keys, no matter as you'll have a smart lock that can be opened with your phone.

Like Apple Pay, Android Pay will be useful at times but I won't leave my ordinary card at home. I'll just choose what to use at the time.
Agreed. I would like to see the introduction of loyalty cards in the uk. I have a m&s, boots and nectar card and if I could get rid of them it would be great.
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Old 19-05-2016, 09:18
Mark in Essex
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I am not sure any of this technology is designed for people who forget their wallet.

What next? Your smartwatch means you don't need to worry about remembering your phone?

If you forget your keys, no matter as you'll have a smart lock that can be opened with your phone.

Like Apple Pay, Android Pay will be useful at times but I won't leave my ordinary card at home. I'll just choose what to use at the time.
Sometimes I don't forget my wallet - sometimes I may just pop out to the gym thinking "I don't need to buy anything" and my wife will text me to ask to pick up some milk/bread on the way home or if I go out for a run and go further than normal and decide I would like a drink.

Why would people take the risk of loosing their whole wallet - if anything all you need is 1 debit card (makes me laugh when my friend goes abroad on holiday and has his library card with him in his wallet.

I'd like to not even have to carry the phone around with me (and it's not for checking any social media as I don't do that) - it's more for music, the Internet (if I need it) and of course communication.

I don't want to rely on it totally - just a backup for one of those moments I probably only get 5 or 6 times a year.

The only thing I don't like about contactless payment is that I was told it takes a few more days for the money to come out of your bank account?
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Old 19-05-2016, 09:44
Red Arrow
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Sometimes I don't forget my wallet - sometimes I may just pop out to the gym thinking "I don't need to buy anything" and my wife will text me to ask to pick up some milk/bread on the way home or if I go out for a run and go further than normal and decide I would like a drink.

Why would people take the risk of loosing their whole wallet - if anything all you need is 1 debit card (makes me laugh when my friend goes abroad on holiday and has his library card with him in his wallet.

I'd like to not even have to carry the phone around with me (and it's not for checking any social media as I don't do that) - it's more for music, the Internet (if I need it) and of course communication.

I don't want to rely on it totally - just a backup for one of those moments I probably only get 5 or 6 times a year.

The only thing I don't like about contactless payment is that I was told it takes a few more days for the money to come out of your bank account?
Other half is always forgetting her purse so I have to go find her in town to lend her my contactless card. Now with this she at least has her phone as a backup.

Plus also her credit card company is refusing to issue out contactless cards to her, saying they will only do so once the current ones expire. Drives her up the wall as you now almost get a funny look in London when having to enter your PIN for a small transaction So this will help her a lot.
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Old 19-05-2016, 09:55
Decepticons1
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Well, my Costa loyalty card doesn't work properly and have been using the app to get my points and I am not connected to any internet, it just updates when it can connect.
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Old 19-05-2016, 10:02
Red Arrow
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Does having NFC turned on 24/7 affect the battery life much?
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Old 19-05-2016, 10:18
Grayburn
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I am not sure any of this technology is designed for people who forget their wallet.
This technology has got me home a few times due to me leaving my wallet in my desk drawer at work so I disagree.
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Old 19-05-2016, 10:43
Cloudane
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So not connected t the method of payment then?
Not yet. You have to open the app and scan the barcode so it's basically like the club card app or stocard.

However I've seen it mentioned that someone found reference to loyalty cards being tied to NFC in the latest app code, so it's coming.

??? Wow how the world has changed. Mostly I always take both but as money is always more important than reading what my facebook friends are saying they had for breakfast
Woo, terrible stereotyping of both smartphones and social media in one go! Nice one!

If you don't feel there's a need for it or advantage to it, good for you, don't use it. Don't pee in the pool for everyone else
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Old 19-05-2016, 11:29
Red Arrow
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Tried it at Tesco just now, got a bit confused. Attempted it with the screen off, nothing happened. Screen on but still locked, nothing happened.

I then unlocked the phone and tried to pay, suddenly the pattern lock screen appeared again for a second, the phone beeped and the till said the payment was successful.

I'm not sure if perhaps holding it with the screen on but locked confused it or I was too quick and the next stage was for the pattern lock to appear.

It's a nice thing to have, but until it accepts AMEX I won't be using it much. I always try and use AMEX to get double Avios points.
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Old 19-05-2016, 11:33
jonmorris
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This technology has got me home a few times due to me leaving my wallet in my desk drawer at work so I disagree.
I didn't say it wouldn't help in such situations, just that it isn't designed for that purpose.
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Old 19-05-2016, 11:35
jonmorris
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I'm not sure if perhaps holding it with the screen on but locked confused it or I was too quick and the next stage was for the pattern lock to appear.

It's a nice thing to have, but until it accepts AMEX I won't be using it much. I always try and use AMEX to get double Avios points.
The phone has to be unlocked. The only thing is the app itself doesn't need to be loaded/on screen.

There's a user guide in the app that explains the procedure.
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Old 19-05-2016, 11:39
Red Arrow
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The phone has to be unlocked. The only thing is the app itself doesn't need to be loaded/on screen.

There's a user guide in the app that explains the procedure.
Thanks Jon, wonder why it displayed the pattern lock screen for a second then once it was unlocked.

Might give it another go next time at Tesco.
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Old 19-05-2016, 13:04
Decepticons1
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Thanks Jon, wonder why it displayed the pattern lock screen for a second then once it was unlocked.

Might give it another go next time at Tesco.
I just installed androidpay, it did say that your bank may request a pattern/pin lock.
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Old 19-05-2016, 14:25
Mite_Janev
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hi guys can anybody tell me can i be able to pay with Android pay if the phone doesnt have NFC chip
like tap and pay function ?
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Old 19-05-2016, 14:34
mossy2103
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I am not sure any of this technology is designed for people who forget their wallet.
Not necessarily designed for, but can be used by ....

What next? Your smartwatch means you don't need to worry about remembering your phone?

If you forget your keys, no matter as you'll have a smart lock that can be opened with your phone.
That's how some people are going, no doubt about that.
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