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Do you fancy the idea of using NFC for mobile payments?

Posted: , by Alex I.

Do you fancy the idea of using NFC for mobile payments?
It's not very often that we witness virtually all analysts and experts to agree on something, but NFC seems to be one of these rarest of topics where it's hard to hear a voice of dissent - everyone agrees this is a part of our future.

As simple folks who have no influence on the process, we have no choice, but to accept this payment evolution (well, there is another option, really - to turn into primitivists and live in the forest), which is already knocking on our door. That's only reiterated by the fact that a very long list of major companies, among which are Google, RIM, Verizon, AT&T and T-Mobile, which formed Isis, Apple (not officially confirmed) and Microsoft (also not officially confirmed) are all set to embrace NFC.

A few weeks ago we told you that a huge number of GSM operators have announced their support for a single NFC standard, and this technology is expected to be commercially launched in "selected markets by 2012".

As the NFC future is looming closer, we want to know your opinion on the matter:

Phonearena polls
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Do you fancy the idea of using NFC for mobile payment?
Yes, I want to get rid of my credit cards! NFC is said to be more secure and looks more convenient - I'm all for it. 52.47% (117 votes) (117 votes)
Nope, I don't want to use it. NFC sounds like identity theft to me and also intrinsically insecure. 26.01% (58 votes) (58 votes)
I'm not convinced we will have much of a choice in the long-term, so it doesn't make much of a difference whether I'm keen or not... 21.52% (48 votes) (48 votes)

223 votes

  • Options

posted on 08 Apr 2011, 05:36 4

1. andro (unregistered)

Will never use it myself. The current os systems are not quite secure by any means as recently shown with pandora robbing every detail under the sun from you in the background,i'd not trust nfc by any means.

Phone theft would lead to much more serious consequences as well with nfc active

posted on 08 Apr 2011, 07:15 1

2. protozeloz (Posts: 5396; Member since: 16 Sep 2010)

don't think phone theft would be more serious that wallet/purse theft, if your phone has a password on it (and the apps used for NFC have a password too) and also depending on how the NFC apps are created will be more likely to be more and more secure also with the certain number of rights no app could get access to the NFC processing system, just as credit/debit cards gave doubts to people and people taking pictures of them discouraged some other yet all that was done was tight security more and people use them more and more, do not fear because it might sound less safety and believe me "never say never"

posted on 08 Apr 2011, 08:22

4. Plastic (unregistered)

That password protection is what makes it worse than using a CC.

CC - Take out of wallet and swipe. At most stores I don't even have to sign anything...just swipe and go.

Phone - press button to turn on. finger gesture to unlock. activate nfc (if you leave it active you waste battery). enter password. Gee this sucks eh?

posted on 08 Apr 2011, 10:41 1

11. protozeloz (Posts: 5396; Member since: 16 Sep 2010)

well with the implementation of fingerprint readers on phone (see Motorola atrix) the proses could become as easy as

-get the phone of your pocket
-swipe pre selected finger to enable payment and NFC and launch the application
-swipe again to confirm

not that hard I say

posted on 13 Apr 2011, 08:12

16. Gabe (unregistered)

Oh please, it will plenty secure. Plus a bank will cover any fees if your phone got stolen and someone ended up hacking into your nfc app (very unlikely) and purchased some stuff just like they do for your debit card.

NFC is more secure than credit cards.

I'll be happily an conveniently using my NFC phone...I guess you and my grandpa will still be using cash, checks and debit cards.

posted on 08 Apr 2011, 08:15 1

3. remixfa (Posts: 14605; Member since: 19 Dec 2008)

phone theft with NFC info would be worse than wallet theft

not only do they get all the credit card info your wallet carries
they get

all your stored passwords and accounts
all your friend's info thats on the phone (think the way android pulls all your friend's info from facebook)
tons of personal info
ect ect ecct.

im sure one day it will be common place to use NFC regularly, but im not in a hurry to be an early adopter for it. let them work out the security kinks on others.

posted on 08 Apr 2011, 10:19

10. protozeloz (Posts: 5396; Member since: 16 Sep 2010)

when they steal your wallet they cal also steal

-your social security number
-your credit cards
-your drivers licence
-your address
-any other documentation you may carry

plus you have no chance to tracking it down or deleting the information.

I also don't think early adoption would be a good idea but it could become a great option for money handling

posted on 08 Apr 2011, 16:14

14. remixfa (Posts: 14605; Member since: 19 Dec 2008)

lol, your credit cards will now be in your phone, so they will get those.

your wallet doesnt have all your email adresses n passes saved.

anyone that uses secure services on their phones have probably popped in their SS# before, and that lovely autocomplete/save option saved it. Any minor hacker can find that.

same about the drivers liscence and address.

your wallet wont also have your direct banking info more than likely. many peeps use banking apps like Personal Assistant.

Id much rather you steal my wallet than my phone as it is, even without the NFC. Its much easier to report a few CCs stolen and order a new DL from online than it is to reset all those passwords, double check all your accounts, tell your friends that their info might be comprimised, ect ect ect.

Before I do NFC, imma chain my phone to my pants like people do their wallets.. lol.

posted on 08 Apr 2011, 19:45

15. protozeloz (Posts: 5396; Member since: 16 Sep 2010)

well thats true. my phone is more important to me that my wallet as it is now, but now fearing that NFC will make things worst it a no no no, many already store and give away a lot of info on their computers, even knowing that they have security issues yet everyone is happy because most trusted sites have offered options to make accounts more and more secure even on a swiss cheese of security OS (Not pointing any fingers here), I think there are ways to make NFC technology more secure that your average credit card, by putting some effort on the work (I hope they are working on them)

here is an idea (company bots you better write this shit down cuz I might say this once)

-Tie the phone to the bank, not the bank to the phone:

what I mean by this? NFC should have a number that can simply be identified by your bank as your phone and approve or deny depending on many factor, Imagine telling your bank you phone is lost and all they have to do is press a button and tada! your phone can no longer use your account because its not an approved payment method, plus next time the NFC app tries to connect to the net... your phone gets the BAN hammer and is forced into a hard reset

for example pay pal had a service. they give you a credit card number you could use to pay for stuff on places that didn't accepted PayPal and you could manage that card on your account use it and toss it or keep it. now how can we apply this to a phone? well your phone could be tied up to a "cloud service" that will allow you to make transactions without your phone actually holding much information

-rules for NFC apps

NFC apps need some rules to get approved so they are not just some credit card collector app, they need to be made with strong encryption and offer a large variety of secure phone BANNING just in case... and for gods sake send location logs! so we can beat any criminals up :/

-rules for phone

not every phone manufacturer and their moms should be allowed to trow down a NFC chip, I think NFC and fingerprint scanner should go hand on hand and phones must pass on certain security options like the way the NFC apps work and how secure they are

I hope my idea is well explained

posted on 08 Apr 2011, 08:42

5. clevername (Posts: 1436; Member since: 11 Jul 2008)

NFC will happen. It's already happening with visa and mastercards. Whether it's used integrated into phones or not will be user choice. It's been used heavily for years in Japan with little to no theft risk.
Also while current NFC may use battery it doesn't need to be constantly on. There can be a dedicated NFC button. Like a camera button. It could also be passive and need no activation like the ones used in some credit cards now.
It can also be placed in a watch. A bracelet. Even a ring as long as there is a micro USB port to plug it in to program. It could be programmed wirelessly or even through another NFC device as well.

Fears about this are as founded as fears about credit cards and secure online purchases. Just know who you're using it with and there is nothing to be afraid of.

posted on 08 Apr 2011, 08:49

6. superpooburger (Posts: 31; Member since: 17 Feb 2011)

The credit card payments is not realy that secure as we are led to belive. And now we want to put them on unsecure and unstable sistems? Well someone is hitting the wall with his head regulary. By that i ment, it is not thought through. Most likely majority will use it anyway. And by the way, its not even necesary. Which brainless ape go outside the home with his phone but without wallet? Most likely that ppl forget phone at homes more often then their wallet. So whats the point of this sistem? I do know it, but does the ones who is going to use, know it????....

posted on 08 Apr 2011, 08:52

7. superpooburger (Posts: 31; Member since: 17 Feb 2011)

Best thing abotu this post and the pic they use is that, they use mine phone, that is Nokia 3220... :D

posted on 08 Apr 2011, 08:56

8. testman22 (Posts: 339; Member since: 03 Nov 2009)

I can't wait for the day when my phone will act as my wallet and my keys. The first several years of NFC will be annoying though because it won't be wide spread yet. If its not fully implemented everywhere, that will defeat the convenience of not having to carry cash or a card

posted on 08 Apr 2011, 09:17

9. snowgator (Posts: 3604; Member since: 19 Jan 2011)

I actually dig the thought of the day all things roll through a device. NFC is a good, but raw, tech at the beginning of it's cycle. I lock my phone to protect it's content whenever I am someplace where theft is likely (malls, concerts, sporting events, ect) anyways, and we all need to take the security of our phones/electronics/wallets/credit to the next level right now. The use/no use of NFC as a payment method won't change that.

posted on 08 Apr 2011, 12:09

12. Mariana255 (unregistered)

Could really give a rat's ass about any NFC crap. In reality probably much less secure than a credit card. Use cash. Actually, I don't even know a place that uses it.

posted on 08 Apr 2011, 16:13 1

13. LionStone (Posts: 849; Member since: 10 Dec 2010)

I do like having options, much of the time I just use a mini card that attaches to my keys, so I don't bring the whole wallet already unless I need to. I probably wouldn't use NFC unless it's really convenient and who knows, once it's in wide use, it may be quite convenient. But at this point it's still a ways off before it'll be in wide, everyday use.

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