Category: Near Field Communication
October 1st, 2013 by Elma Jane
PayPal announces updated app, device for hands-free, in store payment.
A busy few days at PayPal. Late last week, the global payments giant announced a major update to its app for Android and iOS. The new features have a strong mobile payments bent. And now, the company has announced the planned roll-out of “Beacon,” which uses Bluetooth Low Energy Technology to let customers check into retail stores and pay by verbal consent.
Paypal’s President calls the solution PayPal’s “most significant contribution to date in reinventing the in-store shopping experience.”
Beacon is a new add-on technology that merchants plug into an A/C outlet. When a PayPal customer walks into a participating store and agrees to check-in, Beacon triggers a quick vibration or sound to confirm a check-in; customer’s photo then appears on a point-of-sale screen. To pay, the customer simply gives a verbal confirmation. “No wallet and no card. Nothing to do. Not even touching your phone.
BLE was chosen to resolve some problems posed by traditional geo-location, including power consumption. It will look for any store running a PayPal compatible POS system, and will only transmit information to PayPal or to the merchant if the customer agrees to check in.
The solution aims to improve on the credit-card-swiping experience. PayPal figured the only better way to pay would be to do nothing.
The company will be piloting Beacon in the fourth quarter.
New App
PayPal’s vastly redesigned app for creating a more seamless in-store shopping experience is getting a lot of kudos across the web.
A New tab called “Shop” the first thing that appears when the app is opened, it displays nearby stores or restaurants that accept PayPal payments. Users can check in and open a tab, then select various payment methods from the check-in screen. Upon payment, the app generates a confirmation alert and sends an email receipt.
You’ve really got access to your entire wallet in the app.
The app also lets you order food ahead of your arrival bypassing the line. The feature works through PayPal’s partnership with Eat24 . Dinners can pay at the table, and at some locations, order more drinks.
For the first time, the app includes a Bill Me Later tab that lets users apply to finance PayPal purchases, and it integrates coupons and offers.
The company wanted the new app to help solve problem, and that payment isn’t something they typically complain about. So they focused on other potentially problematic experiences in the retail environment, waiting in line, waiting to pay the bill at their table and keeping track of coupons.
Posted in Credit Card Reader Terminal, Credit Card Security, Digital Wallet Privacy, Electronic Payments, Mobile Payments, Near Field Communication, Point of Sale, Smartphone Tagged with: Android, app, Apple, card, credit-card-swiping, geo-location, iOS, payment, PayPal, POS, retail, system, wallet
September 26th, 2013 by Elma Jane
With revamped iPhone app Travelocity rethinks smartphone bookings
To accommodate for the more gesture-based features in Apple’s new iOS 7, Travelocity rebuilt its iPhone application from the ground up. The online travel agency’s new app is aimed at moving users through the booking process quicker with more visuals. Travelocity has been streamlining all parts of the trip-planning experience with its mobile apps continuously in the past few years.
“Luckily, we have a great, agile team and some top-notch mobile designers, so we were able to dive into the new design as soon as the beta was released. “We also decided early on to rebuild this version from scratch and really work on making it fast and reliable,” said Blake Clark, director of mobile for Travelocity. “We find mobile travelers demand speed and sometimes they’re in less-than stellar connection areas, so that was a big one.”
Streamlined design
Tavelocity updated its iPhone app with a design that highly plays up images and visuals. The app’s home screen shows photos of world cities to inspire consumers to take a last-minute trip. The app also leverages the new AirDrop feature of iOS 7 to let consumers securely share their travel information with friends and family members after they book a hotel.
The new app includes a feature that lets consumers scan their credit cards with a built-in camera feature to cut down on the number of steps that it takes consumers to check out. The technology detects the number on a credit card and automatically fills in portions of the checkout page. The app also highlights Travelocity’s mobile-exclusive offers that take into account a user’s location to serve up relevant offers and deals.
Travel on mobile
Travelocity has been building up its mobile strategy for quite some time with different mobile products and ad campaigns. Most recently, the brand designed its Web site around responsive design, which led to a 6 percent increase in iOS bookings and an 8 percent jump for Android reservations after two month.
Travelocity’s tablet booking experience was also named the best this spring in a study from Mobivity.
Travelocity is the latest example of how iOS 7 has shifted the way that marketers develop mobile apps with more gesture- and touch-based features. “It’s a shift of how Apple customers interact with their devices, and as a leader in the travel space, we wanted to make sure we’re reducing the amount of friction travelers have when booking a trip.” “With the iOS 7 launch, now our app and the device look, work and feel the same; it’s seamless.” Mr. Clark said.
“Travelers can easily access the deep selection and great value Travelocity is known for. Travelocity’s goal – to be a traveler’s trusted companion before, during and after the travel experience.”
Posted in Credit card Processing, e-commerce & m-commerce, Electronic Payments, Mobile Payments, Near Field Communication, Travel Agency Agents Tagged with: agencies, agency, agency's, agent, app, booking, iOS, ios7, Iphone, mobile, smartphone, travel, travelocity
August 13th, 2013 by Admin
MasterCard who has endorsed Google Wallet on the Sprint network will now endorse the ISIS network for mobile wallet solutions. Both Google and Sprint have not joined ISIS and it is interesting to see card issuers invest in both platforms. With Verizon, AT&T and T-Mobile in alliance with ISIS, could Sprint be next? Google? Well count Visa and MasterCard as Isis partners. After securing American Express both Visa and MasterCard will now have their credit cards available in Isis’ Wallet. What will be in your mobile wallet?
Many mobile wallet providers are looking at the various options for electronic transaction processing. Will NFC beat out all the others? It’s hard to say but with Apple having yet to release an iPhone model with the chip on board, it could be a yet unseen technology that wins out. QR Codes and Carrier billing are gaining traction for devices without NFC installed and SmartSD cards are coming equipped with NFC to extend devices that have a card slot available.
With device limitations, mobile wallets are still in flux. There are approximately 5 different types of mobile wallets today. There are digital bank accounts similar to prepaid credit cards offered by banks and mostly used for person to person or P2P payments. Mobile payment apps that link payment accounts like those offered by Starbucks or PayPal. Card containers like Apple Passbook store credit cards and loyalty rewards card information and can even fill in forms requesting that information. Similarly, Credential and Card containers store credit card and loyalty rewards but also store identity credentials.
True mobile wallets directly mimic a physical wallet and allow the customer to chose between various credit cards, debit cards even electronic benefits transfer or EBT cards at the point of sale. These wallets are typically app based for both iPhone and Android smartphones and tablets. These wallets can link account information to a point of sale terminal via NFC or other methods for a secure electronic transaction.
Branding and Banks
In recent times Visa, MasterCard and American Express signs at the point-of-sale was a branding element designed to instill confidence for the consumer. With digital wallets becoming the interface for payments, this branding may fade into the background. Yet payment card issuers find themselves in a precarious position. The big three are participating in multiple digital wallet programs in order to not be excluded. This early in the game there are multiple movers and shakers like Square, PayPal, Lemon, Google and now banks and cellular carriers getting into the game, no one knows who consumers and merchants will eventually prefer over the others. It’s like a wait and see game that forces them to play. As banks enter the arena they are favored to win because of the solid loyalty they enjoy from their customers. Though they may not be fair in other categories, they win the security of their customers.
Posted in Credit card Processing, Digital Wallet Privacy, Electronic Payments, Mobile Payments, Mobile Point of Sale, Near Field Communication, Point of Sale, Smartphone, smartSD Cards, Visa MasterCard American Express Tagged with: American Express, Android, Apple, AT&T, google, Iphone, ISIS, MasterCard, PayPal, Square, Starbucks, T-Mobile, Verizon, Visa MasterCard American Express
August 12th, 2013 by Admin
Small businesses are gaining traction in the mobile payment landscape. Mobile credit card readers attached to a smartphone or tablet now account for billions of dollars in m-commerce sales. “Together, mobile and social are transforming the way SMBs acquire and retain customers, With the heavy use of social media, SMB marketing is quickly becoming a two-way engagement rather than a one-way promotion.” Said Steve Marshall of BIA/Kesley. As more people switch to and upgrade their smartphones, AT&T, Verizon and T-mobile are looking to partner with digital wallet provider Isis. Read more of this article »
Posted in Credit Card Reader Terminal, Credit Card Security, Digital Wallet Privacy, Electronic Payments, Mobile Payments, Near Field Communication, Smartphone Tagged with: American Express, biometrics, electronic payments, iPhones, m-commerce, mobile, PayPal, recognition, Smartphones, Square
