Google Wallet: Google unveiled a new digital wallet program Thursday that enables a cellphone to act just like a credit card, giving the search giant its first footing in the business of providing consumer financial services.
A chip inside new Android phones — for now, only one model has it — will allow shoppers to wave their devices in front of a reader to pay for clothes and food at the mall or grocery, the company said. Eventually, Google said, it envisions the cellphone to act as a personal financial hub for coupons, merchant loyalty points, payments and receipts.
The company also announced that Google Offers, a coupon service to compete with discount sites such as Groupon or LivingSocial, will be tested in select cities.
The idea of mobile payments has intrigued smartphone makers such as Apple, Research in Motion and Google — and worried credit card firms. Until now, the cost of installing payment chips has kept carriers from signing on, as has haggling over how the transaction fees should be divided, said Michael Grossi, a telecom analyst at Altman Vilandrie & Co.
For now, Google has decided not to take a cut of these fees, which generate billions of dollars for the likes of Visa, American Express and J.P. Morgan Chase. Instead it will rely on revenue generated by the increase in traffic to its Web sites, its new coupon initiative and the sale of more Android phones.
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