Google announced “Google Wallet” an app that makes your phone your wallet, in May this year. Google finally launched this product on 9/19/2011 in partner ship with Citi, MasterCard, Sprint and First Data. Visa, Discover and American Express have also provided their NFC specifications and their cards will be added into the future versions of Google Wallet.

Google team has been testing its new product extensively during past few months, and the first version of Google Wallet app  has been available on Sprint. That means Google started to roll out Google Wallet to all Sprint Nexus S 4G phones through an over-the-air update. Simply install the app and the next time you spot one of the more than 300,000 PayPass locations around the globe, you will be ready to go! As a bonus, Google is even adding $10 to the Google Prepaid MasterCard for being early to check things out. This is 1st phone with Google Wallet App, Soon more phones will be added.

How it Works

On Nexus S 4G smart phone Google Wallet will be available as an app . When you first launch the app, you’ll be asked to attach your Google Wallet to your Google account and then you’ll enter your credit card information. Initially, the system supports the Citi MasterCard and Google debit card that can have funds added to it from any other credit card.

When you add your Citi MasterCard, Citi verifies the card with First Data, which then “provisions” the card (gives it the okay) to be used by your phone.

For retail transactions, the store you are shopping at, if has a PayPass-enabled terminal, you will be able to tap your phone against the terminal to have the money withdrawn from your account.



You have to unlock the  screen manually, and open the  Google Wallet app , you’ll have to enter a PIN number and you’ll be able to set a spending limit. For instance, transactions over $100 can be verified with you via text messages or e-mails first. The credit card data itself is encrypted and your credit card number is never fully displayed on your phone’s screen.

On the hardware side, the near-field communications (NFC) chip used in the phone is the same type of smartcard chip used for passports and tap-to-pay credit cards. The chip will self-destruct if  somebody tried to physically tamper it, or someone attempted to crack open your phone and extract it.

Google “Offers”

Google will also be launching it’s own daily deals initiative, called “Offers.” Offers will be delivered to your e-mail inbox as an offer of the day and can also accessed from your Google Wallet.

Aside from the standard daily offers from Google, participating merchants will be able to offer reward-based deals via physical check-ins using Google “Places” and online ads. Furthermore, if you see an offer you like online, you’ll be able to save it to your phone like a digital coupon. You’ll then be able to redeem the offer by tapping your phone at the merchant’s point of sale or by showing your phone to the cashier.

Future Features

Eventually you’ll be able to put everything in your Google Wallet—your drivers license, loyalty cards, and other credit cards. Google is pushing its platform as an open one, so other retailers, credit card companies and phone manufacturers can hop on board as they see fit.

Google Wallet Images 


Google Wallet Introduction Video

 1st Google Wallet Customer Video

About Muhammad Bilal

Muhammad Bilal has written 66 post in this blog.

He is a Blogger, Entrepreneur, Web Architect, Network Guru, and Traveler.

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