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How to integrate paytm wallet for an Android application?

Does the Nexus S (or other NFC capable phones) allow the owner to choose an application other than their default wallet application, such as Google Wallet, to handle their mobile payments?

  • Other wallet applications are emerging (such as the ISIS wallet). Are there standards that these wallets adhere to, to transfer information such as credit card info, loyalty card info, offers, etc? Or do devices (the NFC card reader/POS) need to be updated to support working with this information.

  • Answer:

    This is the original $670 billion question (according to Juniper Research for 2015) and as usual the answer is "YES" in theory, but will probably be "NO" in practice. There is a whole bunch of standards which could allow interoperatbility amoung different wallet schemes, so from a purely technical point of view a Nexus S or other NFC phones could be used with one of several wallet schemes. But the availability of choise for the consumer will depend on ownership and control of the Secure Elements in the mobile phone. The Secure Element (SE) in the NFC mobile phones inherits several decades of silicon security technology (tamper resistant chips) and security processes (encryption, keys and key transmission processses)which have been developped especially in the smart card world. When a SE is manufactured the silicon manufacturer owns all the security rights to the chip. When it is sold to a handset manufacturer these rights would be transfered in such a way that even the original chip manufacturers cannot acces the chips that they built. As any electronic payment scheme needs security, the SE in an NFC phone is at the heart of the mobile wallet scheme. The organisation who owns the security rights to the SE decides which mobile wallet is allowed on the phone. I don't think that more than one wallet will possible on any one phone simultaneaously for both technical and commercial reasons. I presume that contract that Google negotiated with Samsung, the manufacturer of the Nexus S, included total transfer of the security rights on all Nexus S phones, so Google gets to decide which wallet scheme gets to be installed on them. Guess which one? Google have promised that their wallet will be an open system meaning that they will allow many payment schemes (MasterCard, Visa, Discovery, ...) to go into their wallet as wall as other transport, loyalty schemes and more. They did not say that they will allow any alternative wallet schemes to be installed on the phones that they control. Now if you look at the carrier side of the story, they are the ones who buy the mobile phones and they have created standards to ensure that their SIM cards play the role of the SE, allowing them to decide which wallet scheme is available to the end user. What about BlackBerry who have already announced NFC phones, to whom are they going to transfer rights? Perhaps to carriers or perhaps they will keep them and implement secure corporate services based on a corporate wallet scheme. What about Apple? I have no idea, but I expect they do and you can find a ton of rumours out there in the blogosphere. To try and some to some sort of conclusion, NFC is a disruptive technology which allows several market segements to dream of controlling the future mobile wallet. Carriers because they control the SIM cards, handset manufacturers because the control the phones, payment schemes because they control the payment infrastructure. Google is playing a strategic move to try to place their wallet at the centre stage so that they can create value from the transaction data. There may be more players who will find an innovative way of to change the rules. They next few years will be the scene of a battle for domination in the mobile wallet scheme. Alliances will be made and broken, and consumers might just decide on the brand or colour of their phone. I expect that there will be one or at most two schemes that will dominate in 5 years time, and I have no idea who that will be. As consumers we will probably be offered one wallet scheme with any particular phone, Just like we were are offered one OS. If you want to trust your money with a particular wallet scheme, then you will have to choose the hardware that goes with it.

Tim Baker at Quora Visit the source

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The mobile wallet aspect of NFC is a red herring, at least for now. It is more likely that NFC usage and adoption (and therefore software / apps) will be driven by non-payment, non-secure use cases. You'll see the ability to 'like' things by touching the phone to a reader, or perhaps just register or sign-in for something. There will probably be several trillion non-monetary 'interactions' done by users before mobile payments become mainstream (if they even do, which is far from certain). In other words, your primary NFC-based apps will not be wallets at all. The question will be which of these (or multiple ones) then successfully evolve to include payments in phase 2 or 3, and what security models are adopted. These may not even be based around inherent security in either device or SIM, but something else entirely.

Dean Bubley

Not now, but soon! With Android 4.4 KitKat and the advent of Host-based Card Emulation, there will eventually be situations where a user might have two or three wallets on their device, for example: Isis - secure element on the SIM BankWallet A - cloud-based secure element BankWallet B - cloud-based secure element You will be able to set a default wallet that would like to use for your NFC payments, and change it at will. This will be available from interactions like your device's Settings menu. From the Android Developer Guide section on https://developer.android.com/guide/topics/connectivity/nfc/hce.html: The Android 4.4 release contains a top-level Settings menu entry called "tap & pay", which enumerates all such payment applications. In this settings menu, the user can select the default payment application that will be invoked when a payment terminal is tapped. This will require no change to the merchant's readers, and little-to-no change in the base technologies that make mobile contactless possible.

Skip Allums

Adding to the first answers, which I agree... I believe Isis will play a different game: It's made by carriers for carriers, and in the mobile space, carriers are still the real client (even for Apple). So with Isis, the probable scenario is that: "We will only cell this phone if the default wallet is ours" This is going to be a interesting war nonetheless.

Marcelo Eduardo

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