August 6th, 2014 by Elma Jane
Scanning your groceries yourself with the supermarket’s handheld scanner is something you may well have already done. Instead of waiting in line for a cashier to scan, tally and bag your groceries, you save time by scanning as you go and doing your own check-out. However, now in certain grocery stores you can go even further by using a bar code scanner app in your own smartphone to scan each grocery item you’re buying and to expand your shopping experience by receiving personalized offers, syncing with loyalty cards and tracking your budget while you shop. The first supermarket company in the United States to make this available to customers has been the Stop & Shop Supermarket Company LLC, with its Scan It! Mobile app service. Starting with three grocery stores and plans to roll out the capability to 45 more of its stores in Massachusetts, Rhode Island and Connecticut. The company could extend the service to the 400 or so grocery stores it operates in total, including the other states of New Hampshire, New York and New Jersey.
How Can You Use a Bar Code Scanner App?
By using a grocery shopping app like this in your smartphone, you can not only get directions on how to find the store in the first place, but once you’re there, you can also get relevant and specific offers according to where you are in the store and what you’ve already bought. With targeted coupons being sent to your smartphone for each shopping trip, you can save money as well; Stop & Shop estimates possible savings for customers on groceries of between $250 and $500 per year. The grocery shopping app also gives customers access to online accounts, including checking for gas points, A+ School Rewards and personalized savings, as well as to daily information about sales promotions for stores in general. To use the app to scan your groceries, you aim the camera of your phone at the bar code of a grocery item to see the price on your phone screen and to add it to an electronic shopping basket. When you’ve finished shopping, the bar code scanner app transmits the information via the supermarket’s Wi-Fi network to the point of sale, where you pay as you would normally. The same wireless network also allows the retailer to send you personalized information.
Happy customers and increased sales are not the only benefits for grocery stores making such bar code scanner apps available to customers with smartphones. Because the customer has in effect already financed the scanning device (the smartphone), grocery stores can envisage making corresponding savings by reducing the amount of in-store scanners they have to buy, as well as decreasing labor costs, which are typically between 12% and 15% of their total expenses.
Check Your Smartphone Compatibility
Using your mobile to do this means having a compatible smartphone. Currently for the Scan It! Mobile grocery shopping app you’ll need either an iPhone 3GS or 4G, or a compatible Android device. The list validated so far includes Android 2.2 running on Nexus One, Motorola Droid1, Samsung Galaxy, and HTC Thunderbolt 4G. The app can be downloaded for free at the Apple App Store or the Android Market.
Posted in Mobile Payments, Mobile Point of Sale, Smartphone Tagged with: Android device, Android Market, app, Apple App Store, bar code, bar code scanner app, coupons, electronic shopping, HTC Thunderbolt, in-store scanners, Iphone, loyalty cards, mobile app, Mobile app service, Mobile grocery shopping app, Motorola Droid1, Nexus One, online accounts, point of sale, Samsung Galaxy, scan, scanner, shopping app, smartphone, Stop & Shop, Wi-Fi, Wi-Fi network, wireless network
November 19th, 2013 by Elma Jane
ISIS Electronic Wallet
Available Nationwide Isis Mobile Wallet
Latest version of the Isis Mobile Wallet has been announced. This is now available to consumers for download in the Google Play app store and at thousands of AT&T, T-Mobile and Verizon Wireless retail stores nationwide. Isis Mobile Wallet allows customers to pay at contactless payment terminals, and to save money through special offers and loyalty cards at participating merchants – all from their Isis Ready smartphone.
Today’s Isis Mobile Wallet nationwide launch is a milestone for consumers, merchants and banks. It’s the start of a smarter way to pay.
Together with Isis partners, a seamless mobile commerce experience have been built. Isis pleased to bring the magic and simplicity of the Isis Mobile Wallet to consumers across the U.S.
The redesigned Isis Mobile Wallet features a simplified user interface with a clean, white background and easy-to-navigate toolbars. Starting today, customers with one of the more than 40 Isis Ready smartphones available from AT&T, T-Mobile or Verizon Wireless can receive a free enhanced SIM card from their wireless carrier and download the Isis Mobile Wallet for free from Google Play. Integration with American Express Serve makes it convenient for Isis Mobile Wallet users to load funds to their American Express Serve Account from a U.S. debit or credit card, bank account, or through direct deposit, as well as pay bills online and send money to friends and family using an American Express Serve Account.
Posted in Digital Wallet Privacy, Electronic Payments, Mobile Payments, Near Field Communication, Smartphone, Visa MasterCard American Express Tagged with: American Express, AT&T, banks, bills, carrier, contactless, debit or credit, google, interface, ISIS, loyalty cards, Merchant's, mobile wallet, online, payment terminal, play app, smartphone, T-Mobile, Verizon, wireless
October 18th, 2013 by Elma Jane
All Alerts, All The Time
Will mobile payment apps hail the arrival of mobile interruptions that never let up? Consumers worry that adopting a mobile wallet app will open them up to a barrage of alerts, sounding the alarm every time the local supermarket has toilet paper for half-off. The services can even track your purchases, opening the floodgates for targeted ads. Frequent alerts could be a deal breaker.
Battery Woes
As smartphones gets bigger, badder and more powerful, battery technology is struggling to keep up. That’s a problem if you want to make a call — but it could be an emergency if your smartphone is your wallet, too. Users are already scrambling to find a charging outlet by lunchtime. Soon, failure to recharge might mean you lack the funds to buy lunch in the first place. Meanwhile, credit cards never need a battery boost, and paper money has worked faithfully since well before the invention of the light bulb.
Do I Have The Right Phone?
You’re ready to make a mobile payment — but is your smartphone? Only the most popular new Android and Windows smartphones have NFC support to enable tap-to-pay services, and Apple has decided to forgo NFC altogether with its iPhone handsets. Users of budget smartphones are likewise out of luck. And though smartphones may seem ubiquitous, only a little more than half of U.S. adults have one.
Is It Secure?
Mobile payments open up a whole new frontier for fraudsters — or so cautious consumers worry. In fact, tap-to-pay technology is as secure as swiping a plastic bank card, and cloud services like PayPal Here support two-factor authentication for extra reassurance. Still, consumers worry their personal information could be intercepted during a transaction, and not everyone is convinced that Google can provide the same level of protection as their bank. But hope remains. The survey found about half of the most security-conscious respondents were much more likely to be interested in mobile payment options if they could be promised 100 percent fraud protection.
Limits, Limits, Limits
Even with a glut of mobile payment options, most lack at least one critical feature. Google’s Wallet app lets you stow your payment information in your phone to buy items in brick-and-mortar shops, but its touch-to-pay functionality is limited to Android devices on Sprint and other smaller carriers. Last year, Apple introduced Passbook, a mobile wallet app that lets users store gift card credits, loyalty card information and more on their iPhones — but only a handful of participating businesses support the app. The mobile payment model isn’t just fragmented — it’s fundamentally limited by countless companies competing for an ever-smaller piece of the pie.
Mobile What?
A recent CMB Consumer Pulse survey showed about half of smartphone users have never even heard of mobile payments. And of the 50 percent who have, a meager 8 percent said they’re familiar with the technology. Banks, credit card companies and others hoping to cash in on consumer interest will have to invest in better messaging first.
What Are The Perks?
Credit cards come with alluring perks — signing bonuses, cash back and travel accommodations, to name a few. But mobile payment systems have serious benefits. They can utilize GPS technology to direct you to deals, keep tabs on your bank account to alert you when you’re near your spending limit, and store unlimited receipts straight to the cloud. Businesses profit from mobile wallets, too, which often charge lower fees than credit card companies and encourage return trips by storing digital copies of loyalty cards.
What’s In It For Me?
To convince consumers to abandon trusted payment options for something new, companies must strike an undeniable value proposition. In the late ‘90s, electronic retail giants like Amazon compelled consumers to enter their 16-digit credit card numbers into online portals, opening up a whole new world of convenience with online shopping. But today’s consumers aren’t convinced that mobile wallets are any more convenient than their physical counterparts. Credit and debit cards already offer a speedy, reliable way to pay on the go. And since they’re accepted virtually everywhere, customers can fork over a card without worry or confusion. Convincing people that new technology is worth their time and effort might ultimately be the toughest nut to crack for mobile payment purveyors.
Where’s The Support?
Even the most enthusiastic adopters are out of luck if their favorite shops lack the infrastructure to process mobile payments. Big-box retailers sprang up in the infancy of computer technology, so joining the mobile payment revolution could necessitate updates to check out hardware and software. Mobile payments could be a boon to businesses, but installing the upgrades could be expensive and disruptive — especially when consumer interest remains low.
Which to Pick?
Even curious consumers are confounded by the array of mobile payment options available. Google, Visa, MasterCard and even mobile carriers like Sprint and Verizon are among the heavy hitters on the mobile payment scene, each offering a discrete service with different apps — and different rules. Some rely on Near Field Communication (NFC) technology that lets users simply tap their smartphone against a special reader to pay, while others offer up scannable QR codes. Mobile payments may never take off until one company rises above the rest with a single killer service.
Forget about cash or credit. In 2013, consumers can simply swipe or scan their smartphones at the checkout to pay. A huge array of mobile payment services have sprung up in recent years, urging customers to abandon their plastic credit cards for the “mobile wallet” revolution, but so far, adoption of mobile payment technology has been dismal.
Posted in e-commerce & m-commerce, Electronic Payments, Gift & Loyalty Card Processing, Internet Payment Gateway, Mobile Payments, Mobile Point of Sale, Near Field Communication, Smartphone Tagged with: alerts, Android, Apple, bank card, battery, cautious, consumers, crack, credit cards, deal, digital, fraud, gift card credits, google, GPS, information, Iphone, lower fees, loyalty cards, mobile, nfc, online, options, paper money, Passbook, payment, PayPal, personal, phone, plastic, portals, powerful, protection, purchases, secure, Smartphones, sprint, storing, support, Swiping, Tap to Pay, touch-to-pay, track, two-factor authentication, wallet, windows
