[LINK] itNews: 'Westpac trials contactless mobile payments'

[Scott Howard]

On Mon, Aug 6, 2012 at 6:14 PM, Roger Clarke <Roger.Clarke at xamax.com.au>wrote:

> I was focussing on the Westpac scheme and the predecessor, ComBank Kaching.
>
> As I understand it, they use, and allow, *no* authenticator, of any kind.
>

It would appear you understand wrong.  I've never used Kaching, but it took
me about 10 seconds to find
http://www.commbank.com.au/mobile/commbank-kaching/what-is-kaching.aspxwhich
talks about "secure login' using either your NetBank password or a 4
digit PIN, and specifically states :

CommBank Kaching lets you pay via your mobile, email, Facebook contacts and
Mastercard® *PayPass*TM, and also has all the features you've come to
expect:


   - Fast login with a four-digit PIN;
   - [...etc...]



> With payment processes based on contactless cards / RFID / NFC chips,
> vouchers have increasingly become an option rather than being
> auto-generated, and the offer of a voucher is becominug less common
> and consumers have to ask for one.
>

In the US this is completely different.  Most retailers will issue a
receipt for ALL transactions, and in fact many (especially food/etc
retailers) have specific policies that if you do not receive a receipt then
your meal/coffee/etc is free, and/or you get a $5 credit, or something
similar.

>From memory there are policies in Australia that a receipt must be supplied
for all card purchased, but I don't know if that includes NFC.


>>Processing of credits where the amount is recognised just after
> processing to have been wrong?
>
> >No different to any normal credit card.
>
> Are you *sure* that Westpac and Kaching enable a credit back against
> re-presentation of the same card into the same read-zone?
>

I've certainly had no issues with this with my Amex NFC card.  It was a
product return rather than an amount correction, but I'd be amazed if there
wasn't a built-in mechanism for refunds/credits.

  Scott