Hacker News Board Hacker News, browsed like a classic message board
Live data from Hacker News

Android Pay is coming

stripe.com

Post reply on HN
Print view View original

31–40 of 49 posts

Re: Android Pay is coming

#31

Post by Navarr »

smackfu wrote: post #25
zrail wrote: post #11

Earlier quoted context omitted.

Based just on Google's blog post, this seems like another implementation of the standard that Apple helped create and push through with the banks and card networks for Apple Pay. They mention tokenization and virtual card numbers, which is exactly how Apple Pay works.

Did Apple really push it through? They weren't mentioned when the spec was released, six months before Apple Pay was announced. http://www.nfcworld.com/2014/03/11/328236/emvco-publishes-to...

They may have helped. Apple was definitely working on it more than six months before it was announced.

Google Wallet initially capitalized on Mastercard PayWave (or was that Visa's?) and when the other cards wouldn't play ball they made a virtual Mastercard for use.

Now that the card companies started playing ball, maybe b/c of Apple's push, Google can work with the new standards.

Re: Android Pay is coming

#32

Post by bliti »

soggypenny wrote: post #22
joshmn wrote: post #2

I've found myself more interested in Stripe's UI/UX than the product itself. Not that the product isn't anything less than mint, it's just that their front-end developers are so amazing.

Yes, it's beautiful. However, looks like there's no form validation on the email submit. I just submitted "r" as an email address.

Strange, its still working as you mentioned earlier. What a weird bug to leave out in the open like that.

Re: Android Pay is coming

#33

Post by dmayle »

mattkrea wrote: post #19
soylentcola wrote: post #16

Earlier quoted context omitted.

And Google Wallet did before it.

Google Wallet did not use tokenization. See here: http://arstechnica.com/business/2015/05/android-pay-will-emb...

solyentcola is actually correct. Google Wallet 1.0 used tokenization, but it was issuer side, not network side. When the networks weren't interested in tokenization, Google Wallet relaunched with HCE.

Re: Android Pay is coming

#34

Post by dmayle »

zrail wrote: post #11
nly wrote: post #9

I'm curious how Android Pay works on the retail side. Does it use a traditional VISA payment terminal system or are Google running some sort of server-side payment hub? I'm assuming, for instance, we won't see Android Pay integration in to Bitcoin apps any time soon.

Based just on Google's blog post, this seems like another implementation of the standard that Apple helped create and push through with the banks and card networks for Apple Pay. They mention tokenization and virtual card numbers, which is exactly how Apple Pay works.

Yes, Apple Pay uses tokenization, no Apple neither created it nor pushed it through. Google Wallet 1.0 used issuer-side tokenization, and switched to HCE when the networks weren't interested in network-level tokenization. Yes, Apple participated in the spec but the most you can credit Apple with was smart negotiation, and taking advantage of lessons learned by Wallet.

Re: Android Pay is coming

#35

Post by hackmiester »

nightpool wrote: post #30
nine_k wrote: post #29

Earlier quoted context omitted.

As long as you can receive a confirmation email, any address could work :) But basic \S+@\S+ check on the UI side won't hurt and would be courteous.

But what if I worked at stripe and only wanted to type my username? :D

On this form it's less relevant, but that's very handy a lot of the time. I get frustrated when some outsourced app seems to believe that just sending mail to my username would not work, and refuses to let me do it.

Re: Android Pay is coming

#36

Post by PakG1 »

Stripe is going to make boatloads of money. They're now going to be powering both Apple Pay and Android Pay? Wow. Let me get some stock on that sucker when they go public.

Re: Android Pay is coming

#37

Post by yaeger »

zrail wrote: post #11
nly wrote: post #9

I'm curious how Android Pay works on the retail side. Does it use a traditional VISA payment terminal system or are Google running some sort of server-side payment hub? I'm assuming, for instance, we won't see Android Pay integration in to Bitcoin apps any time soon.

Based just on Google's blog post, this seems like another implementation of the standard that Apple helped create and push through with the banks and card networks for Apple Pay. They mention tokenization and virtual card numbers, which is exactly how Apple Pay works.

With google being all about data mining and getting as much information on you as they possibly can, I am having the hardest time believing that google will introduce a payment system that cannot track peoples individual shopping behavior.

It was one of Apple's selling points that they do not see what you buy. They only handle the monetary transaction. Only the merchant and you know what was purchased etc.

It is funny to imagine google knowing this valuable information is running right through their service/device and they do not or cannot take a look. As a data miner that would be more than frustrating.

Re: Android Pay is coming

#38

Post by izacus »

jamoes wrote: post #18
wahsd wrote: post #8

Wait. Again? Re-Relaunch of Google Wallet?

And Google Wallet was just a re-launch of Google Checkout. I guess it's worth the risk of continual failure, because if they eventually do get a foot in the door it's incredibly lucrative. Taking a percentage of every payment someone makes is a pretty good incentive.

Or maybe allowing Android users the same capabilities like Apple Pay has just makes sense?

Re: Android Pay is coming

#39

Post by xenadu02 »

dmayle wrote: post #34
zrail wrote: post #11

Earlier quoted context omitted.

Based just on Google's blog post, this seems like another implementation of the standard that Apple helped create and push through with the banks and card networks for Apple Pay. They mention tokenization and virtual card numbers, which is exactly how Apple Pay works.

Yes, Apple Pay uses tokenization, no Apple neither created it nor pushed it through. Google Wallet 1.0 used issuer-side tokenization, and switched to HCE when the networks weren't interested in network-level tokenization. Yes, Apple participated in the spec but the most you can credit Apple with was smart negotiation, and taking advantage of lessons learned by Wallet.

Why do people have to constantly put down Apple's contributions? Their customers tend to be more desirable (because they're higher income) and Apple uses that as leverage to cut through bureaucracy to make things happen.

USB type C would not exist without lightning. Why? Because the customers for the USB-IF aren't end-users... they're bottom-feeding OEMs who want to shave $0.001 off the cost of each port and don't give a shit. Apple doesn't have to care about that and can forge ahead with their own standard. That creates demand in the market (specifically the actual customers of the USB-IF like Samsung who immediately want to copy anything and everything Apple does.)

Android Pay would be the same mostly-dead-end that Google Wallet was without Apple Pay. Why? Because Google has no power to get banks, card networks, or merchants on board. Because even if they release it that doesn't mean any of the OEMs will necessarily adopt it. Because a huge number of Android devices are cheap junk only purchased because it's almost impossible to buy plain feature phones anymore, not because the buyer actually gives a shit. Apple doesn't have any of those problems. If Apple offers Apple Pay they know higher-end merchants will adopt it. Apple customers are more likely to use it. The whole brand/cachè thing creates pressure to get on board the train.

Go ahead and ask Verizon and Sprint how holding out against the iPhone worked for them.

Many barriers to adoption of technology are social, cultural, or just plain old inertia. Apple is in a unique position to force change, yet there appears to be a pathological desire to lie and claim Apple isn't relevant.

Post reply on HN