{"product_id":"google-wallet-20-david-w-schropfer-9781907720895","title":"Google Wallet 2.0: How Verizon, AT\u0026T, and Apple Effectively Blocked Google","description":"\u003cp\u003eOn April 14, 2014, the essential 'Tap and Pay' function in Google Wallet App stopped working on all smartphones that were not running its latest version of Android called 'Kit Kat.' On that day, Google Wallet deactivated many of its already scarce user population with no transition period. Why? \u003cbr\u003e It has been more than 2 1\/2 years since the Google Wallet launched, yet Google Wallet can function properly on a maximum of about 7% of the smartphones in the United States because it relies on a security technology that is owned by the mobile network operators, and only one of these operators (Sprint) has agreed to work with Google Wallet. Verizon, AT\u0026amp;T have simply blocked Google Wallet from their networks. To make matters worse, the communication technology that is also relied on by Google Wallet is being blocked by Apple on all iPhones. With enemies like Verizon, AT\u0026amp;T, and Apple, how can Google Wallet possibly succeed? The answer lies in a technology that was created only three years ago in Austin, Texas. \u003cbr\u003eRead this whitepaper to learn about this new technology, and how it may dramatically accelerate Google Wallet.\u003cbr\u003e \u003cstrong\u003eTable of Contents\u003c\/strong\u003e \u003cbr\u003e \u003c\/p\u003e\u003cul\u003e \u003cli\u003eExecutive Summary \u003c\/li\u003e\n\u003cli\u003eIntroduction To The Predicate Industries \u003c\/li\u003e\n\u003cli\u003eSmart Cards \u003c\/li\u003e\n\u003cli\u003eMobile Telecommunications \u003c\/li\u003e\n\u003cli\u003eHow the Mobile Operators Challenged Google \u003c\/li\u003e\n\u003cli\u003eWhat is ISIS? \u003c\/li\u003e\n\u003cli\u003eApple Blocks Google, Isis, And Everyone \u003c\/li\u003e\n\u003cli\u003eHow Google is combating the problems? \u003c\/li\u003e\n\u003cli\u003eCloud-based payments \u003c\/li\u003e\n\u003cli\u003ePhysical card \u003c\/li\u003e\n\u003cli\u003eP2P Payments \u003c\/li\u003e\n\u003cli\u003eApple App - No Payments \u003c\/li\u003e\n\u003cli\u003eCommon Items Between Google Wallet And Isis \u003c\/li\u003e\n\u003cli\u003eHost Card Emulation Saves Google Wallet? \u003c\/li\u003e\n\u003cli\u003eWhat is Host Card Emulation? \u003c\/li\u003e\n\u003cli\u003eSummary and Conclusion \u003c\/li\u003e\n\u003c\/ul\u003e \u003cbr\u003e \u003cstrong\u003eTables and Figures\u003c\/strong\u003e \u003cbr\u003e \u003cul\u003e \u003cli\u003eFigure 1: Worldwide Smartcard Sales \u003c\/li\u003e\n\u003cli\u003eFigure 2: Example of Initiation of a Smartcard \u003c\/li\u003e\n\u003cli\u003eFigure 3: Example Of Permission Request In Direct Method Of Authentication \u003c\/li\u003e\n\u003cli\u003eFigure 4: Example of Access Granted by Authentication Server \u003c\/li\u003e\n\u003cli\u003eFigure 5: Example of Challenge Question Authentication \u003c\/li\u003e\n\u003cli\u003eFigure 6: Initialization of a SIM Card in a Mobile Phone Using the Secure Element \u003c\/li\u003e\n\u003cli\u003eFigure 7: Authentication of a Mobile Phone Using a SIM Card \u003c\/li\u003e\n\u003cli\u003eFigure 8: Multi-Factor Authentication in Voice and Text Data \u003c\/li\u003e\n\u003cli\u003eFigure 10: How a TSM Functions \u003c\/li\u003e\n\u003cli\u003eFigure 11: Mobile Network Operators and TSMs Involved in in Google Wallet 1.0 and 1.5 \u003c\/li\u003e\n\u003cli\u003eFigure 12: Market Share on Google Wallet 1.0 and 1.5 Mobile Operator Penetration \u003c\/li\u003e\n\u003cli\u003eFigure 13: Diagram Of Isis Mobile Wallet Presented For Payment At POS \u003c\/li\u003e\n\u003cli\u003eFigure 14: Diagram of Isis NFC case for iPhone 5SFigure 15: Apple iOS Market Share vs Android and Others in US, January 2014 \u003c\/li\u003e\n\u003cli\u003eFigure 16: Worldwide Apple iOS Market Share vs Android and Others, Calendar Year 2013 \u003c\/li\u003e\n\u003cli\u003eFigure 17: Photo of Physical Google Wallet Credit Card \u003c\/li\u003e\n\u003cli\u003eFigure 18: Diagram of Actual Menu on the Google Wallet App on Apple's iPhone 5S \u003c\/li\u003e\n\u003cli\u003eFigure 19: Sample of Mail Insert sent to AmEX's Serve Customers in January, 2014 \u003c\/li\u003e\n\u003cli\u003eFigure 20: Distribution Of Google Wallet Loyalty Programs by Industry\u003cbr\u003e \u003c\/li\u003e\n\u003c\/ul\u003e \u003cbr\u003e Based on primary research and data, Google Wallet 2.0 is essential for: \u003cbr\u003e \u003cul\u003e \u003cli\u003eMobile network operator executives \u003c\/li\u003e\n\u003cli\u003eFinancial and payment industry executives involved in mobile \u003c\/li\u003e\n\u003cli\u003eTechnology and platform providers \u003c\/li\u003e\n\u003cli\u003eInnovators in mobile payments and mobile commerce \u003c\/li\u003e\n\u003cli\u003eMerchants and representatives of merchant associations \u003c\/li\u003e\n\u003cli\u003eConsumer association representatives \u003c\/li\u003e\n\u003cli\u003eRegulator and government representatives involved in payments systems \u003c\/li\u003e\n\u003cli\u003eInvestors \u003c\/li\u003e\n\u003cli\u003eAnalysts and consultants \u003c\/li\u003e\n\u003c\/ul\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003eAuthor:\u003c\/b\u003e David W. Schropfer\u003cbr\u003e\u003cb\u003eISBN-10:\u003c\/b\u003e 1907720898\u003cbr\u003e\u003cb\u003eISBN-13:\u003c\/b\u003e 9781907720895\u003cbr\u003e\u003cb\u003ePublisher:\u003c\/b\u003e Searching Finance, Limited\u003cbr\u003e\u003cb\u003eLanguage:\u003c\/b\u003e English\u003cbr\u003e\u003cb\u003ePublished:\u003c\/b\u003e 03\/31\/2014\u003cbr\u003e\u003cb\u003ePages:\u003c\/b\u003e 42\u003cbr\u003e\u003cb\u003eFormat:\u003c\/b\u003e Paperback\u003cbr\u003e\u003cb\u003eWeight:\u003c\/b\u003e 0.27lbs\u003cbr\u003e\u003cb\u003eSize:\u003c\/b\u003e 11.02h x 8.50w x 0.09d","brand":"David W. Schropfer","offers":[{"title":"Paperback","offer_id":48445846356223,"sku":"9781907720895","price":19.95,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0662\/2982\/9887\/files\/img_a5ac3762-b280-482e-a9ba-29507e6a1762.jpg?v=1777221026","url":"https:\/\/www.whiterainbookhouse.com\/products\/google-wallet-20-david-w-schropfer-9781907720895","provider":"WR Book House","version":"1.0","type":"link"}