No more cash? In future, we will pay by mobile phone. Google presses ahead before, others follow. It's about billions - and once again to our privacy. By Karsten Lemm, San Francisco
Now quickly a bagel, and then off to the office: New York, notoriously in a hurry who want to get at "Zaro's" Breakfast need to pay for the future to pull out only their smart phone. The cafe chain is among the first traders who are prepared to "Google Wallet", a digital wallet that was presented to the search giant on Thursday in the U.S. metropolis. Instead of counting coins or submit to the credit card over the counter, Google Wallet users simply enter a PIN to keep their phone to a reader and can get back on track. The devices do not have to even touch, replace them wirelessly within seconds all the necessary information. This is made possible by a specific radio technology, "Near Field Communication (NFC), and to that soon come standard on many smartphones.
"It is the logical evolution of the mobile phone to digital Swiss Army knife," says telecom expert Roger Entner, founder of management consulting Recon Analytics. "The phone is always with everyone, since it is only logical to pack into it more and more features." For now, Google will test its new service in New York and San Francisco later in the summer will also be able to pay the rest of the country's digital - where dealers and mobile phones already play. Prerequisite to a mobile phone: It must make use of Google's Android operating system and have an NFC chip, at the moment this only applies to built by Samsung Nexus S 4G, available exclusively in the U.S.. For payment processing using the Google "PayPass" system of its Partners Master Card, which is installed worldwide, according to the two companies in more than 300,000 merchants.
NFC is being tested extensively in Germany
When will Google Wallet to Europe is not yet certain. The technology behind it is not new. It is based on cheap, low-power computer chips that could zufunken to a distance of up to ten centimeters data, and is also in Germany have been thoroughly tested. For example, the path is working on a project called "Touch & Travel", which is sufficient to hold the phone to a reader to buy a ticket. BMW thinks of cars that automatically inherit your personal settings from your phone. Pay and the Metro Group tested without the cash and debit card since 2008 in its "Real" Future Goals in Tönisvorst in Krefeld.
"There are many interesting applications for NFC technology," said Charles Golvin, wireless analyst at market researcher Forrester Research. However, it took a long time for everyone involved, from handset manufacturers and network operators were able to agree on building an ecosystem for the new form of wireless data exchange. "Now it looks as if the barriers fall," says Golvin. Already this year, Forrester Research expects to sell 50 million mobile phones that can communicate without contact. Trend: rising sharply. "The end of 2012," predicts Golvin, "there will be hardly a smart phone that comes without NFC technology on the market."
Everyone wants to earn
Banks, service providers and telecom companies, meanwhile, get into position to earn money because if begin million customers to pay by phone. It is also used to hardball: Google already has an action on the neck: eBay's subsidiary PayPal, which is also working on a mobile payment service, has taken action against two former employees, who now play key roles at Google Wallet. They were accused of betrayal of secrets. It's all about money: But the Americans gave in the previous year to 3.7 trillion U.S. dollars by credit card - and washed up almost 50 billion dollars (35 billion euros) in fees into the coffers of Visa, MasterCard and other credit card companies. This business is not lost them, all parties are trying to prepare themselves in different situations on the mobile wallet. Google's allies to find the Citibank Mastercard also include and other financial service providers. The Iron Giant Silicon Valley has no plan to make the top dogs compete and he, Google Wallet all participants free of charge - is it because the Californians for something completely different revenue through fees.
The data behind the purchases
"Every purchase has many different aspects," says Golvin. The rich of the search for the business decision about the product (Coke or Pepsi, Nike or Adidas?) To the knowledge of what, when, was bought out - to propose similar products or to know the users' interests better. "This is the information at issue is Google," says Golvin, "because therein lies the core business of the company." Just over 30 billion dollars, 21 billion €, took a the now ubiquitous search engine in the previous year, mainly through advertising. Now Google wants to earn additional money, as do Groupon and others recently: with special offers, which users receive automatic e-mail. "Google Offers" means the service that was also presented on Thursday and planned to start at first for testing, in Portland, Oregon.
More than 20,000 U.S. dealers has won the company is already a partner and promises, the service is "highly context-sensitive" - that is, when does Google know where Android phones are now and whether users are sitting in the cafe or walking through a shopping center may Offers are sent promptly. Personal preference does the search engine often by other services with which they accompanied their fans through the day. "The ultimate goal in advertising is always right to link ads with the purchase," said analyst Roger Entner Recon. With the combination of mobile wallet and special offers "Google will address that need."
Combine ...
Although assure the Californians, they were - at least at present - no information about which products are purchased with Google Wallet. But already the time and place of purchase provide valuable insights into the lives of users. "Google knows your name," Entner said, "and can combine your shopping behavior with other information." With the time left from search queries on the PC, on the road and various other data to create a complete profile of transparent consumers, fears the telecom expert. "This is another step towards the loss of privacy," says Entner. Anyone who use Google Wallet, Google Target and similar future services should be aware of: "You can apply to a commercial one - the price of the offer are insights into their lives."
"The benefits have to open up to the customer"
Market observers, however, have no doubt that Google's competitors will follow suit. Nokia has long been experimenting with NFC technology and has formed an alliance recently with Microsoft, whose search engine Bing is becoming increasingly popular. Apple also is shrouded in speculation: Google's biggest adversary has already collected its iTunes store Konktakt and credit card information from more than 200 million customers and is building its own platform for mobile advertising. In the next iPhone, it is rumored, are likely to put NFC chips. "This was just the first shot in a battle for customers that will last for years," says Forrester analyst Charles Golvin in view of the launch of Google Wallet. Success with the customers he sees, but only if the digital wallet offers more than its counterpart made of leather. "If things such as loyalty point collection, discounts, payment and receipt with a short phone fronds can be handled," said Golvin, "then opens up and the customer, where the value lies."
Now quickly a bagel, and then off to the office: New York, notoriously in a hurry who want to get at "Zaro's" Breakfast need to pay for the future to pull out only their smart phone. The cafe chain is among the first traders who are prepared to "Google Wallet", a digital wallet that was presented to the search giant on Thursday in the U.S. metropolis. Instead of counting coins or submit to the credit card over the counter, Google Wallet users simply enter a PIN to keep their phone to a reader and can get back on track. The devices do not have to even touch, replace them wirelessly within seconds all the necessary information. This is made possible by a specific radio technology, "Near Field Communication (NFC), and to that soon come standard on many smartphones.
"It is the logical evolution of the mobile phone to digital Swiss Army knife," says telecom expert Roger Entner, founder of management consulting Recon Analytics. "The phone is always with everyone, since it is only logical to pack into it more and more features." For now, Google will test its new service in New York and San Francisco later in the summer will also be able to pay the rest of the country's digital - where dealers and mobile phones already play. Prerequisite to a mobile phone: It must make use of Google's Android operating system and have an NFC chip, at the moment this only applies to built by Samsung Nexus S 4G, available exclusively in the U.S.. For payment processing using the Google "PayPass" system of its Partners Master Card, which is installed worldwide, according to the two companies in more than 300,000 merchants.
NFC is being tested extensively in Germany
When will Google Wallet to Europe is not yet certain. The technology behind it is not new. It is based on cheap, low-power computer chips that could zufunken to a distance of up to ten centimeters data, and is also in Germany have been thoroughly tested. For example, the path is working on a project called "Touch & Travel", which is sufficient to hold the phone to a reader to buy a ticket. BMW thinks of cars that automatically inherit your personal settings from your phone. Pay and the Metro Group tested without the cash and debit card since 2008 in its "Real" Future Goals in Tönisvorst in Krefeld.
"There are many interesting applications for NFC technology," said Charles Golvin, wireless analyst at market researcher Forrester Research. However, it took a long time for everyone involved, from handset manufacturers and network operators were able to agree on building an ecosystem for the new form of wireless data exchange. "Now it looks as if the barriers fall," says Golvin. Already this year, Forrester Research expects to sell 50 million mobile phones that can communicate without contact. Trend: rising sharply. "The end of 2012," predicts Golvin, "there will be hardly a smart phone that comes without NFC technology on the market."
Everyone wants to earn
Banks, service providers and telecom companies, meanwhile, get into position to earn money because if begin million customers to pay by phone. It is also used to hardball: Google already has an action on the neck: eBay's subsidiary PayPal, which is also working on a mobile payment service, has taken action against two former employees, who now play key roles at Google Wallet. They were accused of betrayal of secrets. It's all about money: But the Americans gave in the previous year to 3.7 trillion U.S. dollars by credit card - and washed up almost 50 billion dollars (35 billion euros) in fees into the coffers of Visa, MasterCard and other credit card companies. This business is not lost them, all parties are trying to prepare themselves in different situations on the mobile wallet. Google's allies to find the Citibank Mastercard also include and other financial service providers. The Iron Giant Silicon Valley has no plan to make the top dogs compete and he, Google Wallet all participants free of charge - is it because the Californians for something completely different revenue through fees.
The data behind the purchases
"Every purchase has many different aspects," says Golvin. The rich of the search for the business decision about the product (Coke or Pepsi, Nike or Adidas?) To the knowledge of what, when, was bought out - to propose similar products or to know the users' interests better. "This is the information at issue is Google," says Golvin, "because therein lies the core business of the company." Just over 30 billion dollars, 21 billion €, took a the now ubiquitous search engine in the previous year, mainly through advertising. Now Google wants to earn additional money, as do Groupon and others recently: with special offers, which users receive automatic e-mail. "Google Offers" means the service that was also presented on Thursday and planned to start at first for testing, in Portland, Oregon.
More than 20,000 U.S. dealers has won the company is already a partner and promises, the service is "highly context-sensitive" - that is, when does Google know where Android phones are now and whether users are sitting in the cafe or walking through a shopping center may Offers are sent promptly. Personal preference does the search engine often by other services with which they accompanied their fans through the day. "The ultimate goal in advertising is always right to link ads with the purchase," said analyst Roger Entner Recon. With the combination of mobile wallet and special offers "Google will address that need."
Combine ...
Although assure the Californians, they were - at least at present - no information about which products are purchased with Google Wallet. But already the time and place of purchase provide valuable insights into the lives of users. "Google knows your name," Entner said, "and can combine your shopping behavior with other information." With the time left from search queries on the PC, on the road and various other data to create a complete profile of transparent consumers, fears the telecom expert. "This is another step towards the loss of privacy," says Entner. Anyone who use Google Wallet, Google Target and similar future services should be aware of: "You can apply to a commercial one - the price of the offer are insights into their lives."
"The benefits have to open up to the customer"
Market observers, however, have no doubt that Google's competitors will follow suit. Nokia has long been experimenting with NFC technology and has formed an alliance recently with Microsoft, whose search engine Bing is becoming increasingly popular. Apple also is shrouded in speculation: Google's biggest adversary has already collected its iTunes store Konktakt and credit card information from more than 200 million customers and is building its own platform for mobile advertising. In the next iPhone, it is rumored, are likely to put NFC chips. "This was just the first shot in a battle for customers that will last for years," says Forrester analyst Charles Golvin in view of the launch of Google Wallet. Success with the customers he sees, but only if the digital wallet offers more than its counterpart made of leather. "If things such as loyalty point collection, discounts, payment and receipt with a short phone fronds can be handled," said Golvin, "then opens up and the customer, where the value lies."
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