Google tests hands-free mobile payment
GOOGLE is testing a payment program called “Hands Free” that lets users pay for goods without having to reach into their pockets.
The idea behind the programme is that anyone can walk in to a store, find what they want and head to the register, requiring only their face and a moment’s conversation to purchase something. Hands Free is in a limited pilot program at select stores in the Silicon Valley area. Google said that it uses a variety of sensors in a users’ smartphone, including Bluetooth and WiFi, to detect when shoppers are in a particular store. When at the cash register, the users simply have to say, “I’ll pay with Google” and give their initials to the cashier. The store employee checks the initials and a picture that users have uploaded to their payment accounts to verify that they are who they claim to be.
According to the company’s website, stores never get access to consumers’ full credit card information. Users also get a notification when their Hands Free account has been used, as a
Images and data from the Hands Free in-store camera are deleted immediately, can’t be accessed by the store, and is not sent to or saved to Google servers. — Google statement
fraud-prevention measure.
The programme is being tested at McDonald’s and Papa John’s locations in California’s southern Bay Area.
Google released a video illustrating how the process works, showing a woman buying goods with little more than a smile and some magic words. The promotional video from Google has strong echoes of the way Apple first promoted its Apple Pay programme, highlighting that the current ways we pay – cash, card or the dreaded check - are not as convenient as they could be. Why, the video illustrates, do we still have to fumble around with things in our hands to pay?
It’s true that it can be annoying to dig through pockets or purses for a wallet, and that it often seems like the payment process should be a lot smoother than it is. With the advent of chipped credit cards, some shoppers may also like the appeal of paying by phone rather than waiting for the slightly longer transaction times.
But the real push toward mobile payments has come from companies that see the appeal of controlling mobile payments.
Apple Pay has the highest recognition when it comes to mobile payments, since the feature is built into every model of the company’s flagship smartphone, from the iPhone 6 and beyond. Piper Jaffray recently found that Apple’s payment system is by far the most requested by merchants. The survey, as reported by Apple Insider, showed that Apple handily beat Samsung Pay, PayPal and Google’s Android Pay as the top choice (44 per cent) when analysts asked software vendors which systems are most requested.
But Hands Free demonstrates that Google has larger plans in this space. The company said it’s also planning a program that works solely based on matching your Google Hands Free picture with an image of your face taken at the register.
“Images and data from the Hands Free in-store camera are deleted immediately, can’t be accessed by the store, and is not sent to or saved to Google servers,” the company said. — Washington Post