Apple Confirms NFC Locked Down in iPhone 6

Tim CookIt was one of the big questions left unanswered by Apple’s keynote. Introducing an NFC payments option is fantastic, but will that NFC radio be available for other uses, like “tap & share” or “tap & pair”?

The answer it would seem is “no”, at least for now. Following launch, the NFC radio in the iPhone 6 will only be made available to Apple Pay. This also means that competing services like Google Wallet will likely be blocked, but it’s still unclear if recently re-branded Softcard (former ISIS Wallet) will be allowed on the iPhone. Softcard was introduced by the carriers, and there’s no doubt they’re looking to leverage their own payment system on what’s sure to be one of the most popular phones of the year.

NFC is a fantastically versatile little radio capable of a variety of functions. On Windows Phone and Android it can be used to initiate file sharing between devices, control settings on the phone (I use stickers to toggle things like WiFi and Drive Modes), and it can take the place of RFID enabled cards in some cities which use the technology for public transit.

As Apple is just entering the mobile payment market, it’s no surprise they’d want to restrict access to the radio used. Security will be key in encouraging customers to use and trust this new service. Still, hopefully we see a little more flexibility out of Apple’s conservative hardware policies, giving iPhone owners more access to all of the fantastic accessories and services which already utilize this hardware.

(Via Cult of Mac)

Google updating Wallet, Send money to other Wallet users, store Loyalty Cards

google wallet updateThe dream of mobile payments, tapping a phone to a store kiosk to pay for your shopping. Google’s been slowly pushing into this consumer relationship with Wallet. Storing your credit card information, and utilizing NFC to tap & pay at select retailers.  This hardware functionality has progressed very slowly as cell carriers have been trying to push a competing standard called ISIS, which uses a different kind of security which is incompatible with Google’s offering. Pretty much means we consumers get left without a working solution. Any time there’s a “format war” it’s bad for the industry (remember HD-DVD vs Blu-Ray). As it stands now, only 29 phones have proper NFC tap & pay functionality. I’m sure you notice a disturbing lack of Verizon and AT&T handsets on that list…

We’ve heard little news from the Wallet team over the last several months, but it looks like Google has been busy working on a Wallet expansion. Rolling out soon to Android users in the United States, Wallet is about to learn a few new tricks.

Google opened up the ability for Wallet users to send money to other Wallet users through GMail, and now that’s coming to the app. In a clear shot at services like Paypal, transfers from a linked bank account are free, and a 2.9% fee will be attached when sending money with credit or debit card.

In addition to payments, Google is also expanding the scope of Wallet to take some of the strain off of your physical non-digital wallet. If you’ve got a stack of store Loyalty cards, you can leave them at home now. Wallet will store and track your cards, coupons, and points alongside your purchases. Having used similar services, it’s nice just pulling up the card on my phone instead of having a bunch of filthy, peeling, plastic tabs on my key ring.

The Wallet update will roll out this week.

More info on the Google Commerce blog.