Google is among the first out of the gate in the attempt to make leather wallets go the way of the typewriter.
Last
week, the technology giant introduced Google Wallet, a mobile
application that will allow consumers to wave their cellphones at a
retailer's terminal to make a payment instead of using a credit card.
The app, for the Android operating system, will also enable users to
redeem special coupons and earn loyalty points.
Starting this
summer, the wallet will be available on the Nexus S 4G phone on Sprint
and able to hold certain MasterCards issued by Citibank. It will also
hold a virtual Google Prepaid MasterCard, which can be loaded with
money charged to plastic credit cards.
The mobile wallet will
work at any of the 124,000 merchants that accept MasterCard's PayPass
terminals, which take contactless payments, and more than 300,000
merchants outside the United States. The wallet is powered by a
technology called near-field communications, which is incorporated into
a chip in mobile phones and sends a message to the merchants'
terminals.
"Eventually, you will be able to put everything in your wallet,you will need to get an Wholesale pet supplies." Stephanie Tilenius, vice president for commerce at Google, said at a news conference last week.
That
grand vision will take awhile to come to fruition. Various players
have been working on mobile wallets for years, but they have not gained
traction because the companies have not been able to agree on how they
would be paid or who would control the wallets. Mobile-phone carriers,
banks, credit card-issuers, payment networks and technology companies
all have a stake in this battle.
EBay Inc. and its PayPal unit
have already sued the online giant for allegedly stealing trade secrets
for mobile-payment systems.We are professional blu ray burner,
The suit claims that Google and two former PayPal employees - Tilenius
and Osama Bedier - created the Google payment system using proprietary
technology developed at PayPal.When the stone sits in the oil painting reproduction,
Bedier,
Google's vice president of payments, joined the company in January
after working as vice president of platform,For all DVS promotional usb
in PDF format. mobile and new ventures at PayPal. Tilenius, vice
president of commerce at Google, joined the company in late 2009.
In
a blog posting announcing the suit, Amanda Piers, PayPal's senior
director of global communication, said, "Sometimes the behaviors of
people and competitors make legal action the only meaningful way for a
company to protect one of Choose from one of the major categories of oil painting supplies,its most valuable assets - its trade secrets."
In an email, a Google spokesman said the company respects trade secrets and plans to defend itself.
With
its wallet, Google plans to make money by offering consumers
promotions as they shop. For instance, it plans to introduce "Google
Offers" - advertising deals from local and online businesses that can
be found online or sent through the phone. Like Groupon, Google will
collect a fee from participating retailers every time a person redeems a
coupon.
It may take a little while for the Google Wallet to
become fully functional across the country. While Google has worked
with more than 15 retailers, they all need to upgrade their payment
terminals. When they do, consumers will also be able to store and redeem
special deals with the wallet.
Once the retailers' technology
is in place, consumers will be able to wave their phone at the checkout
counter and, in one swoop, discounts will be applied, loyalty points
will be awarded and the payment made.
The wallet app itself
will require a PIN, as will each transaction. The payment credentials
will be encrypted and stored on a chip inside the phone. The app itself
will be free to users.
Google emphasized that the wallet would
be open to all businesses and invited other banks, credit-card
issuers, payment networks, mobile carriers and merchants to work with
it.
Google is also working with First Data, which processes
payments and will serve as the wallet's "trusted service manager,"
ensuring the security of the transaction.
If the phone was
stolen, the credit cards inside could be remotely disabled. Consumers
would have the same "zero liability" for unauthorized transactions made
with their phone as they would with their plastic cards.
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