NFC Payements..Paypass/Masterpass? - NFC Hacking

so i searched around for this and no one seems to have a definite answer...or at least, no one that has possibly used these possibilities has spoken out..
here's my question..mastercard paypass mobile (and now called masterpass)... is it just an app that i'm missing that you can register on an NFC phone and then you're able to use your credit card linked to your profile?
Or will masterpass be that app when it gets release and will only support the banks that are signed on with them? (in Canada, BMO has already signed on)
basically, as a replacement option to google wallet for those (like us in Canada) who can't use wallet..or at least, functionally use it with one of our credit cards
any info is appreciated...
*sorry if this doesn't go in nfc hacking...but it's nfc related since i'm just looking for nfc payment solutions...i hate wallets

Just like Google wallet and Isis by all most of the major US cellular vendors the app is only half of the story. The other half is something that is embedded in the actual phone it self. What is missing is something called the "secure element" so that no one else with out proper access can use it and it cannot be mimicked/copied. The secure element can be anything from an actual chip embedded in the device to a SIM card that has the chip built in. If you have a credit card with the smart chip or that has wave pass or some other NFC option and you have scanned it with your device, heck even the popular skylanders toys there is an area that is secure and no matter what you do you cannot view the data or alter the data, that's an example of a secure element. That's what is missing from your device
Sent from my Nexus 7 using xda app-developers app

rastlin said:
Just like Google wallet and Isis by all most of the major US cellular vendors the app is only half of the story. The other half is something that is embedded in the actual phone it self. What is missing is something called the "secure element" so that no one else with out proper access can use it and it cannot be mimicked/copied. The secure element can be anything from an actual chip embedded in the device to a SIM card that has the chip built in. If you have a credit card with the smart chip or that has wave pass or some other NFC option and you have scanned it with your device, heck even the popular skylanders toys there is an area that is secure and no matter what you do you cannot view the data or alter the data, that's an example of a secure element. That's what is missing from your device
Sent from my Nexus 7 using xda app-developers app
Click to expand...
Click to collapse
I wasn't asking why i can't use google wallet. I could actually use google wallet before they took away their virtual card in October. I can't add any credit card because my billing address is in Canada (not completely true...like most others, i can add my card but the transaction will not go through when i try to use google wallet with that card).
the gist of my question was more along the lines of, is masterpass like google wallet? does it already exist with paypass mobile or is paypass mobile just an internet profile that you can use to pay online and masterpass will absorb it but also be an nfc payment method?
at MWC recently, mastercard mentioned masterpass as an NFC payment solution...so i would imagine that you can use credit cards from banks that are signed on with it as nfc payment...but it is not 100% clear

well, masterpass launched today, and from what i read on mobilesyrup, it looks like nfc payments will not be possible
i hate that we are seriously lacking in an option similar to google wallet
if anyone signed up for masterpass and says it does work through nfc, please let us know...as of now, from any article i've read, it doesn't look like it works...

Related

A possible way to get secure element chip on our phones for google wallet?

Some people may know that the galaxy nexus extended battery fits in our s2s. and the main reason why or s2s cannot have google wallet is because we are missing the secure element chip so does that extended battery have the secure element or is on the phone
Sent from my SGH-T989 using XDA App
No, the secure element chip is in the phone.
Sent from my SGH-T989 using Tapatalk
Ok because I noticed that the Nfc is in the battery not in the cover like the nexus s
Sent from my SGH-T989 using XDA App
algorhythm said:
No, the secure element chip is in the phone.
Sent from my SGH-T989 using Tapatalk
Click to expand...
Click to collapse
There are ways to add a secure element to our phones. There are ways to incorporate a secure element into an SD Card or SIM card. ISIS, the NFC solution probably coming to AT&T, VZW and TMO soon, just signed a company with secure element options in the SIM. While it looks unlikely anytime soon that Google Wallet will run on our devices, there are options to add NFC Contactless Payments to our phones.
Also, there are now two known security vulnerabilities with Google Wallet that allows access to your google wallet if your phone is lost or stolen. One method, announced today, does not even require root access to your phone.
Wilsonium said:
There are ways to add a secure element to our phones. There are ways to incorporate a secure element into an SD Card or SIM card. ISIS, the NFC solution probably coming to AT&T, VZW and TMO soon, just signed a company with secure element options in the SIM. While it looks unlikely anytime soon that Google Wallet will run on our devices, there are options to add NFC Contactless Payments to our phones.
Also, there are now two known security vulnerabilities with Google Wallet that allows access to your google wallet if your phone is lost or stolen. One method, announced today, does not even require root access to your phone.
Click to expand...
Click to collapse
Doesn't change the fact that the GNexus securelement happens to be inside the phone itself.
True, but the OP wanted to know if it's possible to add one to our T989 for GW. Yes there are ways to add a secure element but it's not likely to work with GW.

[Q] NFC or not???

Greetings! I'm getting conflicting information if this is actually working or not on AT&T network. Anyone have this working?
A recent news article mentions that AT&T has approved NFC on one x, but chatting with a AT&T Store Manager mentions NFC is still disabled for all devices... Can anyone confirm or deny? Any work arounds?
Thanks in advance!
You want this forum. This is the international One X forum and the AT&T one isn't the same. The AT&T One X is actually the "One XL" but they annoyingly called it the One X as well. The baseband, CPU and GPU are different in the One XL.
i have the international X model and it's on the ATT network, so this is in the right place. it's also been discussed already in topics about NFC and Google Wallet. i can vouch that it does not work with an ATT sim and it does not work with a Straight Talk sim. it's nice of them to list a feature that most people can't even use. they shouldn't even mention NFC on these phones if we can't use it properly. i'm not buying a bunch of tags to play with. that's not the point of NFC.
brent8577 said:
i have the international X model and it's on the ATT network, so this is in the right place. it's also been discussed already in topics about NFC and Google Wallet. i can vouch that it does not work with an ATT sim and it does not work with a Straight Talk sim. it's nice of them to list a feature that most people can't even use. they shouldn't even mention NFC on these phones if we can't use it properly. i'm not buying a bunch of tags to play with. that's not the point of NFC.
Click to expand...
Click to collapse
Nfc works fine on the international version on ATT. The carrier can't affect that unless they have a say in your rom. Since you don't get updates touched by ATT it's a non issue.
Google Wallet on the other hand doesn't work on the One X. This isn't a carrier issue. Complain to Google to authorize the device.
You can say what you like, but "the point" of nfc isn't Google Wallet. The point is NFC. Mobile payments are coming in the form of Isis wallet, carrier specific wallets, MasterCard now is developing a mobile payment system with nfc as well as google wallet. This is all a ways off though.
Don't purchase an emerging technology and then wine that you aren't surrounded with use cases. If you want to move to India or Japan they are much further forward in deploying nfc than the US.
Sent from my HTC One X using xda premium
krohnjw said:
The carrier can't affect that unless they have a say in your rom. Since you don't get updates touched by ATT it's a non issue
Click to expand...
Click to collapse
This isn't true. The carrier and Google have to have an agreement in place on a per device basis to use Google Wallet which is what most people in the U.S. relate to NFC. Under pressure, AT&T authorized the Nexi. They are the only devices allowed by AT&T to access Google Wallet via their network. And Google Wallet requires a carrier connection, it doesn't work over Wi-Fi.
There are hacks to spoof the network and in some cases you can even gain (unsecured) access to some of the features. But if you screw up the security token on your phone (which quite a few people have done) you'll never be able to use it with a payment system again and there is no recovery available.
NFC as a means of communication is very different than using it in conjunction with a payment system.
krohnjw said:
Nfc works fine on the international version on ATT. The carrier can't affect that unless they have a say in your rom. Since you don't get updates touched by ATT it's a non issue.
Google Wallet on the other hand doesn't work on the One X. This isn't a carrier issue. Complain to Google to authorize the device.
You can say what you like, but "the point" of nfc isn't Google Wallet. The point is NFC. Mobile payments are coming in the form of Isis wallet, carrier specific wallets, MasterCard now is developing a mobile payment system with nfc as well as google wallet. This is all a ways off though.
Don't purchase an emerging technology and then wine that you aren't surrounded with use cases. If you want to move to India or Japan they are much further forward in deploying nfc than the US.
Sent from my HTC One X using xda premium
Click to expand...
Click to collapse
thanks for your wonderful attitude. take your meds. explain to me the usefulness of nfc then. also i complained to google on play reviews for wallet. this forum is flooded with idiots. i should get a phone nobody is using or stop reading you people and just go to the dev threads.
BarryH_GEG said:
This isn't true. The carrier and Google have to have an agreement in place on a per device basis to use Google Wallet which is what most people in the U.S. relate to NFC. Under pressure, AT&T authorized the Nexi. They are the only devices allowed by AT&T to access Google Wallet via their network. And Google Wallet requires a carrier connection, it doesn't work over Wi-Fi.
There are hacks to spoof the network and in some cases you can even gain (unsecured) access to some of the features. But if you screw up the security token on your phone (which quite a few people have done) you'll never be able to use it with a payment system again and there is no recovery available.
NFC as a means of communication is very different than using it in conjunction with a payment system.
Click to expand...
Click to collapse
NFC != Google Wallet. The fact remains ATT can't disable NFC on a device they have no control over. Google Wallet is an app the leverages NFC.
Sent from my HTC One X using xda premium
brent8577 said:
thanks for your wonderful attitude. take your meds. explain to me the usefulness of nfc then. also i complained to google on play reviews for wallet. this forum is flooded with idiots. i should get a phone nobody is using or stop reading you people and just go to the dev threads.
Click to expand...
Click to collapse
Speak for yourself before you dish out insults. Your phone has NFC and it WORKS. Google Wallet doesn't work by NFC DOES.
AT&T can NOT stop you from using NFC as a whole but they can stop you from using an app like Google Wallet that requires NFC.
NFC has always worked on your phone, you just think that means you can use Google Wallet when it doesn't.
Sent from my GT-P3113 using xda premium

Google Wallet for Australian Nexus Virgin Mobile

hello, i own a galaxy nexus GSM and i am on the australian carrier Virgin Mobile, i followed all the instructions to install wallet and set it up but it still comes up with a unsupported carrier popup, is there an issue? cheers.
I had some success getting it onto my phone. Here's what I did (Also note, I'll use Wallet Online when referring to the checkout system used to pay for stuff on the Play Store, and Google Wallet when referring to the mobile phone app)
Flashed the factory image of 4.1.1 (with Google Wallet support)
Rooted (Using the Galaxy Nexus Toolkit) and installed MarketEnabler and Titanium Backup
Unfroze / Defrosted Google Wallet in TB
Set ME to spoof T-Mobile (US)
Installed the updated version of Google Wallet
Before that (about two years ago now) I added my Visa Debit card to Wallet Online and have paid for lots of marketplace items.
When I was able to run Google Wallet, I added the debit card I had through Wallet Online. It asked me for a mailing address inside the US. I used my parents in-laws address (I don't think Google sends you anything, it seems to be for verification purposes) and the card added successfully.
Tonight I went to K-Mart and tried to buy a photo frame ($29 worth). It told me the card was declined and I needed to see the card issuer, so unless I'm doing something wrong, Google Wallet is a no-go when you add your own (Visa) cards.
I suggest trying the above to get Google Wallet on your phone in the first place, then (if you have the time) fiddle around with some settings, such as turning off root (in the Superuser app), unspoofing your mobile (something I haven't done yet, but I doubt it'll make a difference), adding a different type of card (such as a credit and not a debit card, or a card from MasterCard etc.) and even trying the Google Prepaid card (I have $10 on it, but I don't know if it'll work, as I only just tapped the icon to set it up)
I would really love to see this rolled out officially to other countries and not just the US. If Visa are now on board, surely Google should be able to flick a switch on their end (if it's that easy) and let us buy stuff with our phones?
Also if after you set it to T-Mobile (US) you notice the rom you have hasn't got Google Wallet, you can just search for it in the Play store
Adding your debit card in that way wont work because the US address wont match the one Visa has for you ... I just used the Google Prepaid card up at coles and it worked fine, they looked at me strange though
Google wallet is somewhat pointless in Australia still as you can only use prepaid cards to add funds to use the NFC feature, I stick with my debit card.
well i got it to work guys! also i was talking about the latest verison of google wallet, 1.5, and now i have it working and linked to my debit card. i installed the modified version in the android development forums a few hoours ago, and works fine! yes please use market enabler because it may require you to use the t-mobile server durring activation. cheers! thanks for the helpguys!
technolust109 said:
well i got it to work guys! also i was talking about the latest verison of google wallet, 1.5, and now i have it working and linked to my debit card. i installed the modified version in the android development forums a few hoours ago, and works fine! yes please use market enabler because it may require you to use the t-mobile server durring activation. cheers! thanks for the helpguys!
Click to expand...
Click to collapse
Glad to hear you had some success. Can I ask if you've tried to pay for something yet? Your post says it works fine when linked to your debit card, but that could mean the app is working fine, or you can pay for stuff. Also, can we get a link to the development thread you referred to?
Xalies said:
Also if after you set it to T-Mobile (US) you notice the rom you have hasn't got Google Wallet, you can just search for it in the Play store
Adding your debit card in that way wont work because the US address wont match the one Visa has for you ... I just used the Google Prepaid card up at coles and it worked fine, they looked at me strange though
Click to expand...
Click to collapse
At first I wondered about that, because purchases are actually done through a virtual MasterCard (go into the Google Wallet app, edit an existing card and look at the "Via" field. Hit the ? to read more about it) but I guess if the charges are done via Wallet Online, then yeah they would cross-reference your details.
All Google has to do (as far as I can see) is just change the UI on their form to allow non-US locations. There must be some international card issuer BS to go through though, even though I can successfully buy anything I want online using PayPal or by entering in my card details directly.
I worded that wrong, adding your card is possible but when buying something it will fail ... that is because of the AVS that checks the cardholders billing address so unless it is a US card you're buggered
He might be refering to this thread
I hate to say it but hopefully iPhone will Have NFC to help get it off the ground... I really wouldnt mind only having to carry my phone with me
yes it works, i am curently in the city testing it out, i think the issue is that either my debit card details are wrong or there is an issue with my actual bank, i still need to resolve, attemtped at startbuks swanston st melb and mcdonalds melbourne central shoping centre, whenever i tried it, it either declined it or it wont go through, any ideas? cheers.
the latest 1.5 version of google wallet allows us to use our own decit and credit cards. cheers.
technolust109 said:
yes it works, i am curently in the city testing it out, i think the issue is that either my debit card details are wrong or there is an issue with my actual bank, i still need to resolve, attemtped at startbuks swanston st melb and mcdonalds melbourne central shoping centre, whenever i tried it, it either declined it or it wont go through, any ideas? cheers.
Click to expand...
Click to collapse
make up your mind... first you say it works and then you say it doesn't.... Yes you can add your credit/debit card but no it will not work when you goto buy something, like i've already said
Xalies said:
I worded that wrong, adding your card is possible but when buying something it will fail ... that is because of the AVS that checks the cardholders billing address so unless it is a US card you're buggered
He might be refering to this thread
I hate to say it but hopefully iPhone will Have NFC to help get it off the ground... I really wouldnt mind only having to carry my phone with me
Click to expand...
Click to collapse
Interesting about the AVS system. What I wonder is, could someone use an address like 123 Fake Street, Melbourne, 30010 (note the additional 0 at the end) and hope that the AVS system matches the first four numbers, doesn't find anything for 30010 and ignores the final zero in the post code, thinking it's just useless extra data? That'd satisfy the AVS and meet the 5 digit zip code requirement for adding a card, if AVS only matches numerical data
Of course, I'm just hypothesizing here, and am not suggesting anyone does this, as it could be seen as exposing a weakness in AVS and you could have all sorts of people running your way.
Google wallet is not available for your device or mobile network with latest google wallet app direct from the play store on stock jellybean 4.1.1 yakju an jellybro cm10 custom rom on both Telstra an Vodafone networks with my unlocked gsm galaxy nexus, go figure I even tried market enabler lol, more importantly when will Australian galaxy nexus users be able to purchase songs from google music like US users.
I've tried various ways on my SGS3 (Telstra) and nothing has worked so far. AVS is definitely playing a role. I've got a US Unlocked virtual credit card, but not even that passes AVS checks even though one is issued with a US address when you get the card. Tried this with Hulu Plus and they're probably the most anal when it comes to AVS. Anyway, found a workaround to that problem, but I digress.
Another thing I reckon is that "Google" is not set up on Australian PayPass terminals as a registered merchant, hence why even the prepaid Google card with $10 fails. As with many, I see no reason why we cannot use Google Wallet [yet] down under. Oh well, my conventional debit/credit chipped cards work fast and well, albeit without the "whoah!" factor if I used my phone.
Anouk69 said:
I've tried various ways on my SGS3 (Telstra) and nothing has worked so far. AVS is definitely playing a role. I've got a US Unlocked virtual credit card, but not even that passes AVS checks even though one is issued with a US address when you get the card. Tried this with Hulu Plus and they're probably the most anal when it comes to AVS. Anyway, found a workaround to that problem, but I digress.
Another thing I reckon is that "Google" is not set up on Australian PayPass terminals as a registered merchant, hence why even the prepaid Google card with $10 fails. As with many, I see no reason why we cannot use Google Wallet [yet] down under. Oh well, my conventional debit/credit chipped cards work fast and well, albeit without the "whoah!" factor if I used my phone.
Click to expand...
Click to collapse
I'm wondering if Google is denying all foreign transactions for external cards using Google Wallet (but allowing the prepaid card), making it a combination of AVS and Wallet. Strange that they're denying one card but not another..
However your comment about the prepaid card failing is incorrect. On the way home the other night my wife and I stopped in at our local (rural) McDonalds and purchased two coffees. I paid for the lot using the $10 prepaid card and it worked fine. Only thing was, the lady behind the register had to run and grab a pen, as most "credit" transactions under $100 are usually PINned or PINless and rarely signed. But that's just me, you may be having difficulties for another reason.
Grayda said:
However your comment about the prepaid card failing is incorrect. On the way home the other night my wife and I stopped in at our local (rural) McDonalds and purchased two coffees. I paid for the lot using the $10 prepaid card and it worked fine. Only thing was, the lady behind the register had to run and grab a pen, as most "credit" transactions under $100 are usually PINned or PINless and rarely signed. But that's just me, you may be having difficulties for another reason.
Click to expand...
Click to collapse
You're correct. I failed to mention that I've only tried this at my local 7 Eleven. From what I've read, those who have reported it worked [more often than not], used it at McDonalds. Good on you though; I'd love to see it in action!

Google Wallet outside the US - adding a card?

I'd really like to get the new google wallet working on my nexus. I've got a it up and running on my rooted device and have the $10 credit on the google prepaid card. However, I'd like to add both my UK debit and my credit card so that I can use those.
To get GW all I did was install Market Enabler, set it to US-T-Mobile, then opened Play Store and installed Wallet. That went through without a problem and I got the $10 on my google prepaid card. However, I can't add any of my own cards. I've read that people outside of the US have managed to get their own cards in there but I haven't found a clear set of instructions to do it. I've searched in here, Nexus 7, and other forums.
If this thread could be kept to people outside the US who have managed to get this to work then perhaps I could post a step by step plan of how to make it work. If you have tried but failed it would also be interesting to see the step at which it failed.
Thanks!
unclesomebody said:
I'd really like to get the new google wallet working on my nexus. I've got a it up and running on my rooted device and have the $10 credit on the google prepaid card. However, I'd like to add both my UK debit and my credit card so that I can use those.
To get GW all I did was install Market Enabler, set it to US-T-Mobile, then opened Play Store and installed Wallet. That went through without a problem and I got the $10 on my google prepaid card. However, I can't add any of my own cards. I've read that people outside of the US have managed to get their own cards in there but I haven't found a clear set of instructions to do it. I've searched in here, Nexus 7, and other forums.
If this thread could be kept to people outside the US who have managed to get this to work then perhaps I could post a step by step plan of how to make it work. If you have tried but failed it would also be interesting to see the step at which it failed.
Thanks!
Click to expand...
Click to collapse
There are way too many Wallet threads so you should be posting in one of the other ones... that said, people have added cards by using US addresses and then changing the address back to the proper one on the web, and the cards look usable, but they don't work. You'll have to wait like the rest of us.
So that's what I did today. I cleared out all my cards by logging into wallet.google.com and then removed each one. I then went back to my phone and registered my visa debit card with a US zip code. Once that worked I went back to my pc and changed the card address so that any AVS check would match.
I did two trials of paying, at two different shops. The first I tried with the Google prepaid card, using the $10 credit. The item I was paying for was over $10 and I knew it should be declined. Not to get too too technical, but the payment transaction was initiated and the auth request was sent. It was then returned with a declined message. So it asked for the money and was declined on the basis that funds weren't available (and cost Google in the process - sorry!).
So then I went to a different shop and tried to pay for something using my visa debit card. This time I just got an error. It appeared to be an error communicating with the PDQ but it was hard to tell.
The request has to be failing somewhere. So does it fail at the processor or somewhere else? I'm going to keep plugging away at this especially as I have a way to monitor what's happening on the card end as I work for a payments company and can issue myself a prepaid card.
If it's possible to get this to work in the UK then I'm going to do my best to make it happen. If anyone who works in payments in the UK or even elsewhere reads this and fancies a bit of a deep dive into what exactly is happening then I'm keen.
Sent from my Galaxy Nexus using xda app-developers app
download alogcat then move it to /system/apps (since it won't work on JB otherwise), open it before a transaction. clear logs. try your transaction. read the logs. might help? helped me to figure out why the prepaid card I was using wouldn't work - basically an address parsing problem on google's end.
Cheers for the tip. I'll try that today.
Sent from my Galaxy Nexus using xda app-developers app
Cool, let us know how it goes over in the main Wallet thread:
http://forum.xda-developers.com/showthread.php?t=1365360
osm0sis said:
Cool, let us know how it goes over in the main Wallet thread:
http://forum.xda-developers.com/showthread.php?t=1365360
Click to expand...
Click to collapse
So, a brief report of what I discovered.
1. I successfully used the google prepaid card in the UK.
2. I wasn't able to use my own debit card which is registered in my wallet (it simply gets declined)
3. I think I know why.
Google wallet is not the clever beast I thought it was. I thought they had come up with an ingenious way to use a virtual card to do some sort of pass through transaction. The truth (or at least my understanding of it) is something much simpler and mundane. Google are simply doing the acquiring of your transaction and then using a virtual card to pay the transaction. So it's a sort of man in the middle approach.
This has 2 rather big implications
1. Google are willing to pay to do this. They will be paying for every transaction and this signals to me a very serious intent to buy into the world of payments. They want the data so much they are willing to pay a not insignificant sum for it (perhaps this is why it's such a limited roll out?). Therre game plan is to monitise all that data. I'd love to have a look at their 10 year wallet strategy...
2. Your non US card will never work outside of the US. There are a whole heap of ways they might be doing this. The simplest in my opinion would be to block/accept BIN ranges. If your card has a US banking BIN then it passes and gets charged and if not it gets declined immediately.
So, that's the end of my adventure into the land of google wallet outside of the US.
Corollary; Obviously any time you use the google prepaid card outside of the US you're going to suffer a currency conversion. My transaction at the weekend came out to $6.25 and using the mid market rate from Saturday (of 1.5699) this converts to £3.98. My actual transaction was £3.95. That's not bad. I would guess that Google are using the mastercard exchange rates (which are very close to mid market). This means that if you want to use Google Wallet via the prepaid card you're not going to suffer much in the exchange rate loss (probably ok for infrequent or low value transactions).
i have a tried a couple of prepaid cards (registered with US addresses) and they don't seem to work.
Deleted
unclesomebody said:
2. Your non US card will never work outside of the US. There are a whole heap of ways they might be doing this. The simplest in my opinion would be to block/accept BIN ranges. If your card has a US banking BIN then it passes and gets charged and if not it gets declined immediately.
Click to expand...
Click to collapse
As many people have discovered, Google is simply performing an Address Verification System (AVS) check to confirm the billing address registered against the card in Wallet matches the billing address that the card operator has registered against the card, AND (the critical part) that this is a valid US address.
This is why even a generic prepaid US Visa/Mastercard doesn't work unless it is one that allows you to register a billing address for the AVS to reference, and then you use that same address in Wallet.
In theory (though untested), you could use your UK (or wherever) card as long as the billing address your bank has registered is a valid US address... but I doubt you'd be able to get the bank to change your billing address without proof that you actually live there!
First of all I think only takju build has wallet. Even if you are a non us customer installing it will not accept . you have to wait .hope this help
Sent from my Galaxy Nexus using xda app-developers app
adithyavr said:
First of all I think only takju build has wallet. Even if you are a non us customer installing it will not accept . you have to wait .hope this help
Click to expand...
Click to collapse
The OP mentions that they're on a custom rooted rom, so they are probably using the modded build of wallet from modaco (http://www.modaco.com/topic/354635-region-device-root-patched-google-wallet-apk-15-r87-v15/) which has 3 restrictions patched out:
Device check - the app will now work on any device, not just the ones Google allows. Of course you need to have NFC for it to be useful!
Operator check - the app should now not care which operator you are on, rather than just the ones who officially support Wallet
Root warning. This isn't strictly required, as Google Wallet doesn't actually stop you using the app if you're rooted, it just gives you a warning on screen (which is a little annoying), but this version won't even do that
With this configuration, the 'wallet' side of things works works fine (NFC, etc), and even adding new cards can be done if you know what you're doing, but unless the AVS check on the card resolves to a valid US address, the transaction will be declined at the terminal.

NFC mobile payments: still that difficult?

Many of the retailers in my city have MasterCard's PayPass system installed at their POS terminals. I have an NFC-enabled phone (Samsung Galaxy S Blaze 4G). The hardware is all in place, but it seems the software hasn't caught up yet, which almost seems backward. Google Wallet only works with about 8 phones; PayPass itself tells you to go to your bank, and the banks know nothing. Why is this so difficult? Now that MasterCard released its SDK a couple weeks ago, is it likely that new apps will be developed that will finally link our hardware? Or are there existing tools out there that I am somehow overlooking?
It is not a software issue. Payment applications are provided by Visa and MasterCard and banks personalize them for the customers. You need your bank to support the mobile payment on a SIM or the embedded secure element to run on your phone. It is slower in the U.S. than the rest of the world.
spiffmo said:
Many of the retailers in my city have MasterCard's PayPass system installed at their POS terminals. I have an NFC-enabled phone (Samsung Galaxy S Blaze 4G). The hardware is all in place, but it seems the software hasn't caught up yet, which almost seems backward. Google Wallet only works with about 8 phones; PayPass itself tells you to go to your bank, and the banks know nothing. Why is this so difficult? Now that MasterCard released its SDK a couple weeks ago, is it likely that new apps will be developed that will finally link our hardware? Or are there existing tools out there that I am somehow overlooking?
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buraki said:
It is not a software issue. Payment applications are provided by Visa and MasterCard and banks personalize them for the customers. You need your bank to support the mobile payment on a SIM or the embedded secure element to run on your phone. It is slower in the U.S. than the rest of the world.
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In addition to that, your phone often has to be prepared for this. Since even today card emulation mode is still not supportet by stock Android, most vendors sell special enabled phones.

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