Mobile Phones And Its Impact On The World

Throughout all of history expectant mothers always wanted to have a way to announce to others the gender of their child, and now they can. Mothers can now show the gender of their children easier with the use of their cell phone; they just take a picture and send it in an instant. Cell phones were first invented by Dr. Martin Cooper, who worked for the Company Motorola (Oak) Cell phones have made an impact on many things including society, culture and a multitude of other areas such as fashion. The significance cell phones have made in the U.S. has endless tasks it can help people do.

An example of this would be the Apple Pay technology. Apple Pay is a mobile payments service and digital wallet application that utilizes Near Field Communication (NFC) to initiate secure payment transactions between contactless payment terminals and devices like the iPhone 6, iPhone 6 Plus and Apple Watch (Webopedia). Apple Pay allows owners of Apple devices the opportunity to add multiple credit or debit cards onto that device and instantly pay at a location by simply placing their device over the scanner. This technology could be implemented into Howard University’s Bison One Card by adding Dining Dollars or Bison Bucks into the application software, thus eliminating the need to always swipe your card at various locations around campus. This would also eliminate the struggle some students encounter of not being able to eat or swipe into the café because they have lost or misplaced their card. The biggest problem Howard University faces with implementing this new technology is the substantial cost. Blue Pay breaks down the Apple Pay implementation costs with prices of the NFC terminals in range from $300 to $500, excluding the cost of additional software upgrades if needed. Depending on which locations, if not all, across campus will support this technology, this cost will surely add up. Merchants must also weigh in the cost of employee training. Employees must understand how to properly use NFC contactless readers to process payments. The training should also include refunds, chargebacks, and cancellations. This cost can vary, depending on the size of the staff. Blue Pay ultimately estimates the total cost ranging anywhere from $1000 to $2000 per unit after factoring in hardware, software and wages (Blue

The exact definition of Near Field Communication (NFC) is a set of communication protocols that enable two electronic devices, one of which is usually a portable device such as a smartphone, to establish communication by bringing them within 2in of each other. For example, if I have an iPhone specifically it will connect to the Internet and can exchange data with online services. Different providers such as AT&T Mobility, Verizon Wireless, T-Mobile USA and even Apple have joined in this new interesting way to handle their e-pays.

Near field communication (NFC) is an ability available in most modern-day cell phones that allows the device to connect

Since this technology is so new, we first have to look at how it work by looking at what we do know so far. Apple Pay’s speaker, mentions that users will start off by entering their card into a secure app called Passbook. Passbook is a secure app made by apple in which adds another security layer to the iPhone. The apps purpose is to keep track of users: debit cards, credit cards, iTunes cards, boarding passes, and etc. When the user goes to add a debit or credit card to Passbook, the user normally has a couple of choices they can choose from. They can either add their default card they use for iTunes purchases or they can enter in a new card. When they enter in their card in manually they

For Google, they only allow newer Android phones that run 4.4 KitKat or higher to take advantage of the full functionality of the system. This automatically rules out older phones that are not supported. This is also true for Apple Pay because of the lack of NFC in the older phones. However when comparing, Google Wallet is compatible with a lot more devices.

Tap your phone to pay and redeem offers, using NFC (near-field communication). NFC payments are currently only available in the United States.

Pay Pal Here has a little dongle which plugs into your Iphone, Ipad, android or tablet. You need to download the PayPal Here App and then that acts as your card reader allowing the merchant to take payments. There are merchant fees involved with the transaction. http://www.gizmodo.com.au/2012/07/paypal-here-hands-on-beating-square-to-the-punch-down-under Luke hopewell,2104)

Apple Pay is a way for Apple users to pay for something with just the wave of their device. According to Joshua Brustein in his article “Apple Pay is Too Anonymous for Some Retailers”, “Apple Pay works with iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, iPhone SE and Apple Watch”. (Brustein). It “uses NFC, or near-field communication, technology that enables users of iPhone 6 models to make payments at stores that have upgraded to accept the system” (Krey). Reinhardt Krause states in his article, “IPhone Tap-To-Pay

Consumer’s mobile devices are not only used for mobile payment transactions but also as a smartphone and so there are risks involved. Contactless payment is emerging as the fastest ways by which consumers pay for goods and services. In as much as this advanced technology is driving consumers into adopting the use of NFC Mobile payments for transactions, it is important to know the risks involved in this technology to protect consumers from unauthorized access to their personal information such as credit card information, social security and health information etc.

Other than the contactless readers, Apple had to team up with banks to allow participation between the cards and their members. Both Wells Fargo and Bank of America have already opened the door for Apple Pay to users, but many smaller banks do not have the capability of using Apple Pay yet. Because handling money is a huge security issue, Apple outlines its many safety features including an independent account code, private transactions, and hidden card numbers. Apple Pay also makes paying from an iPhone or Ipad device a simple task by disregarding the need to type in your credit card information, and instead using

The company Apple Inc. wants to go one step ahead and has developed a new payment service that allows the customers to make their payments through an iPhone, iPad or the new device Apple Watch without an intermediary. They use the wireless connection NFC (Near Field Communication) that with a “single-touch” permits the consumers to realize all their payments in a fast and secure way (Mallat, 2007).

NFC payments work by storing your credit, debit, and banking information with the source company. The information is stored securely in Cloud by these companies. This information is associated with your Apple Pay or Google Wallet account. You can log in to a device and use you phone to pay for purchases. The retailer you are purchasing from must have an appropriate reader. You must first be in the payment app on your phone. Your phone is placed close to or on the reader and you must either scan your finger or enter a password for the payment to go through. The payment must then be approved by a chip called a secure element, which sends approval after the payment is authorized, completing the transaction. NFC transactions are becoming a very secure and quick way to pay for purchases. These purchases are becoming more normal in stores, on vending machines, and in busy metropolitan areas.

In order to use Android Pay, you will need to have a lock screen in place. This means having either a PIN, pattern or fingerprint scan enabled in order to access the home screen.

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