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"The technology we initially used relied on hardware," Bardin explained. "And there were a bunch of hurdles to get it out the door using that approach. So we asked ourselves if we could emulate the secure element in software, and make it a core service in Android."That is exactly what the company has done. HCE is now included in Android 4.4, Google's latest version of Android software. With this new approach, Google has opened up NFC to any developer. Because the technology is built directly into the operating system software it not only works with Google Wallet, but it can also be used by other app developers that are building applications for Android.

"Now anyone in the audience could build an app that leverages the tap-and-pay functionality," Bardin said, The 'cloud' is the answer, While tap-and-pay had been the only thing that Google Wallet offered when it first launched, now it's just one component of the service, With payment credentials stored in the cloud, Google can integrate payments into its other products like Gmail, It also makes the service more flexible for consumers and merchants, which can access the wallet from anywhere, This allows for merchants to embed easy payment buttons into their mobile shield link protective water-resistant case for apple iphone x and xs - rose gold Web sites that can link directly to payment credentials stored in the cloud..

Bardin said that the beauty of this solution is that it eliminates the need for customers to fill in their credit card information when they want to buy things online using their mobile devices. Because Android users are always "signed-in" on the Google platform, they can leverage their payment credentials from Google Wallet or even their Google Play account to buy things. The cloud-based nature of the service also makes it easy for consumers to add new credit cards to their Google Wallets. They can also join and add loyalty cards to their Google Wallets. And they can do all of this without ever necessarily entering the app on their devices.

Again because Google Wallet now lives in the cloud, it makes it easier for Google to tie its other services to the wallet, For example, a year ago it added the ability to send and receive payments via Gmail, Google also offers Gmail users the ability to track all shield link protective water-resistant case for apple iphone x and xs - rose gold their online purchases, The way it works is that users who opt in can allow Google to scan Gmail receipts and then through partnerships with companies like FedEx, Google gets the most up to date information on a package's status, The competition is stiff..

It's easy to see why Google wants in on the mobile payments market. According to Gartner, the global market for mobile payments is forecast to be about $720 billion worth of transactions by 2017. This is up from about $235 billion last year. But earning cash from these transactions isn't the only reason that Google sees opportunity in this business. Mobile payments is also simply another vehicle to drive users to other Google services, such as search and advertising. "We are in the payment business to create a great user experience," Bardin said. "That's a little different from others in this industry. Making money will come later."Google isn't the only Internet company that sees potential in this market. Apple has also hinted it wants a piece of the action. The introduction of the Touch ID fingerprint sensor on its iPhone 5S last year could pave the way for secure payment transactions. In January, Apple CEO Tim Cook said his company is with mobile payments. He added that such uses were one of the driving factors behind the introduction of Touch ID.

There are also several other potential competitors, such as PayPal and Amazon, The big phone companies, AT&T, Verizon, and T-Mobile have a joint venture called Isis that is also going after this market, And then there are the many startups wanting in on the mobile payments craze, such as Square, which allows anyone with an iPhone, iPad or Android device to take credit card payments, (The latest rumor is that Google and Apple have each talked to Square about possible acquisitions, according to the news site Re/Code, Bardin did not address the rumors today, And neither Google shield link protective water-resistant case for apple iphone x and xs - rose gold nor Apple are commenting on the speculation.)..

In spite of its struggles to make Google Wallet a success, many in the payments industry believe that Google is still a major contender in the market. And he said that Google and Apple will ultimately be the companies to beat in the mobile payments market. "Google has the money to make a bad mistake and still recover from it," Kenneth Douglas, vice president of business partnership development for a Swedish mobile payment called Seqr, said Tuesday during a panel at the Transact 2014 show. "Google and Apple own the most valuable real estate in mobile payments."Google Payments chief Ariel Bardin tells attendees at a payment conference that Google's efforts in mobile payments go beyond its initial Google Wallet implementation. And he said Google is in the mobile payments market for the long-haul.

"If I cannot make money on handsets, I will shield link protective water-resistant case for apple iphone x and xs - rose gold not be in the handset business," John Chen told the news agency in an interview, Chen said he will make a decision on whether to stay in the handset-making business shortly, according to Reuters, but he wouldn't give any more details, For its final quarter of fiscal 2014 ending March 1, the company recorded a loss of $423 million, compared with a profit of $98 million from the prior year's quarter, Revenue sank by 64 percent to $976 million, BlackBerry shares on Wednesday rose 14 cents, or 1.76 percent, to $8.10 in after-hours trading..



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