迪fference Between Google Wallet and ISIS Mobile Wallet

Google Wallet vs ISIS移动钱包

Google钱包is a much anticipated mobile payment system introduced by Google. This is an Android Application intended for Android smart phones with NFC (near field communication) capability. Google Wallet is still under field test and a demonstration was done for the public in early 2011. ISIS is another mobile payment system initiated by AT & T mobility, T- Mobile USA and Verizon in collaboration. While ISIS is gearing towards establishing an open standard for mobile payments it is also under field test and not many specifics are available for the public. Following article evaluates the information available on both payment system based on their similarities and differences.

Google Wallet

Google Wallet是一个Android应用程序，它将通过简单地在接受Google Wallet付款的终端点击终端来使用其Android智能手机进行付款。该产品仍在市场上不可用。根据Google的说法，基础架构仍在现场测试中，一旦为消费者使用，它将支持花旗主卡和Google预付费卡。

Google Wallet将使用户能够在Google Wallet Mobile应用程序中存储信用卡，优惠，会员卡和礼品卡。当Google当前支持花旗主卡时，可以将卡详细信息输入到其Android智能手机中的Google Wallet应用程序中。发行人验证卡详细信息的真实性后，它将存储在Android手机中的安全微芯片中。Google还引入了Google预付费，以在Google Wallet当前不支持的所有其他卡之间创建桥梁。可以使用任何其他电子付款卡向Google预付费卡添加信用，并使用Google预付费卡与Google Wallet付款。用户将能够通过点击手机以付费（万事达卡）启用终端来付款。

当用户在终端上点击卡时，卡通常将使用近场通信（NFC）将付款详细信息发送到终端。在某些商人的忠诚度点和电子优惠券也将被发送。这样，Google Wallet将允许用户以电子方式兑换优惠券并赚取忠诚度点，同时使用Google Wallet仅需“一点点”。

At the moment only Nexus S 4G has the hardware necessary for Google Wallet. As Google wallet uses near field communication to transfer payment data, phones which needs to make payments using the application must have chips that allow near field communication. However with the wide array of vendors supporting Android devices it won’t take much time for other devices with Google Wallet support to be available in the market.

Security is a major concern when comes to any kind of monetary transaction. Before relying on Google Wallet for all your transactions it’s important to have a look at how secure this infrastructure is. Google Wallet will be locked with a secure PIN which will ideally be known only to the owner of the phone. The owner of the phone will have to key in the secure PIN before each payment. This lock will be on top of the normal phone lock which comes with every Android phone. Both these locks will prevent unauthorized access to the wallet. In addition, all credit card details will be stored in a secure chip called the “Secure Element” which is separate from the phone memory. Only trusted applications will be able to communicate with “Secure Element”, and this is designed to prevent malicious software from accessing credit card details stored in the phone.

In case the phone is lost, similar to an occasion where the plastic card is lost, one must immediately contact the issuer (Issuing bank) and cancel the cards stored in the Google Wallet.

Currently many merchants such as Bloomingdales, GUESS and Macy’s are onboard as Google SingletapTM merchants.

伊西斯Mobile Wallet

伊西斯is a mobile payment network initiated by AT & T mobility, T- Mobile USA and Verizon. The payment system reportedly utilizes near field communication enabled smart phones as well as the NFC technology to make mobile payments. ISIS is currently under testing and it is still not a market ready product. ISIS is focussed towards an open platform, which can be used across multiple platforms and multiple carriers.

When ready for use by consumers, ISIS reportedly will be supporting Visa, Master, Discovery and American Express cards to make payments. Users can store card details in the phone and choose a credit card they wish to make payments from and then swipe the NFC enabled smart phone at ISIS payment enabled terminals in order to make the payment. ISIS mobile wallet is expected to offer integrating on existing loyalty programs of merchants to mobile payments but specifics are not clear as yet.

At the moment, device specific of ISIS wallet is not clear other than that the smart phone enabling ISIS mobile payments should have NFC chips.

It has been reported that ISIS will lock the mobile application responsible for ISIS mobile wallet enabling only the authorized user to make payments. However details on how secure the content stored in device is not yet available.

Google Wallet和ISIS移动钱包有什么区别？

Google Wallet和ISIS都是移动支付方法，使用电子手提概念。这两种付款方式仍在现场测试中，而没有市场现成的产品。在这两种情况下，信用卡的详细信息都将存储在带有近场通信芯片的智能手机中。Google Wallet和ISIS都使用近场通信来与终端进行通信。为了使用每种付款方式付款，用户需要在付款终端刷智能手机。Google声称，Google Wallet将通过PIN固定，并且用户每次需要付款时都需要在PIN中键入密钥。ISIS还提到ISIS应用程序将使用密码锁定。虽然信用卡信息将存储在Google钱包中的安全芯片中，但目前在ISIS中处理的信息将如何处理。为了使用Google Wallet，必须设有具有NFC芯片的Android智能手机。至于ISIS，很明显，智能手机需要拥有NFC芯片，但是到目前为止，启动ISIS的平台尚不清楚。 Google wallet supports Citi Master card and Google Prepaid card. Users can add credit to Google Prepaid card using any other credit card and compensate for the lack of support in Google Wallet. While ISIS claims it supports Visa, Master, Discovery and American Express, specifics are not yet available.

Google Wallet和ISIS移动钱包有什么区别？ •谷歌钱包和伊希斯是牵引移动支付系统stems currently under field testing and have much speculation. •Google Wallet和ISIS都是使用智能手机和近场通信技术的移动支付方法。 •Google Wallet支持花旗主卡和Google预付费卡。ISIS支持Visa，Master，Discovery和American Express。 • Both payment systems pledges support for 3rd party loyalty programs and electronic redemption of electronic coupons. •Google Wallet基于运行Android操作系统的智能手机，但没有ISIS的平台细节；然而，ISIS更加专注于移动支付的开放标准。 •在Google Wallet和ISIS中，信用卡详细信息将存储在智能手机中。 •两个移动钱包都打算使用通过绳索锁定电子货币。 • Google Wallet claims to have a secure chip that stores all credit card information securely in the device. However, while ISIS claims that card information will be safe, how this is achieved is not specified as yet. • If both payment system live up to their claims a revolution in mobile payments can be expected most probably in the year 2012.