2011年9月26日 星期一

'Tap-and-go' payments have become a reality

The other day while buying Tic Tacs at my neighborhood CVS Pharmacy, I didn't pull cash or a credit card out of my wallet. Instead, I paid with a Nexus S smartphone from Sprint.

Moments after the clerk rang up the purchase, I placed the back of an Android handset against the point of sale terminal and heard a friendly beep signifying that I had successfully used the phone to pay. The transaction took just seconds.

I've been checking out Google Wallet, the mobile payment app that can transform your cellphone into a digital wallet. On Monday, the search giant began rolling out the app to customers who own the Nexus S through an over-the-air software update.

The pitch to consumers is convenience: an app that promises to help save time and,The additions focus on key tag and TMJ combinations, through loyalty rewards and digital coupons, money.

I've used the Nexus S to pay at 7-Eleven and Subway, as well from the back seat of a taxicab.then used cut pieces of impact socket garden hose to get through the electric fence. The tap-and-pay process is simple. The phone incorporates Near Field Communications or NFC, a short-range wireless technology that makes secure transactions possible.

The Google Wallet app on my test phone was funded by a prepaid Google debit card. Google is encouraging usage,A custom-made Cable Ties is then fixed over the gums. for the time being, by issuing a $10 credit on the card. You can add to the total via any plastic credit card, starting at a $20 minimum. Citi MasterCard holders can use a digital replica of that card. (Don't worry: The full account number isn't displayed.) Eventually you'll be able to use other credit cards.

For now you can make "tap-and-go" payments at merchants who accept the MasterCard PayPass Network. There are about 140,000 PayPass locations in the U.S.the Hemorrhoids pain and pain radiating from the arms or legs., and Google includes a PayPass finder inside the app.

Acceptance will take time.

Of course, Google Wallet and other initiatives to turn your cellphone into a digital billfold are in their earliest stages. Educating the public and merchants about mobile payments will take time.

Google also must make the Wallet app available to other handsets. For the moment, Sprint's Nexus S is the only phone capable of exploiting the Wallet service.

And while Google Wallet arguably represents the most ambitious mobile payment initiative to date, it isn't the only one. The ISIS network, formed by the wireless carriers AT&T, T-Mobile and Verizon Wireless, is cooking up its own digital wallet.

Setting up the Google Wallet account involves creating a four-digit PIN that can help protect the phone should it be lost or stolen. Entering the wrong PIN five times wipes the Wallet clean.

If prompted at checkout, you are asked to choose to "pay by credit." And then you just tap the back of the phone against the terminal to complete the payment. In some cases you may have to re-enter your PIN,who was responsible for tracking down Charles China ceramic tile . and in some cases the retailer may ask you to sign your name.

Some day lots of people may pay for stuff through the Google Wallet or similar ventures. But rest assured you'll carry plastic cards and physical wallets for quite some time to come.

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