i want add nfc payment android application i'm working on allow users pay directly pos. i'm interested in supporting pos possible.
i wondering if it's possible or depends on propietary protocols/hardware.
i have found information (and code samples) reading contacless card info can't find library or code payment itself.
i know emv specification looks pretty long , technical , know if it's possible before diving it.
we cannot use google wallet because not in united states.
you won't able support nfc payment in application, unless bank visa/mastercard/etc agreement, , have access certificate sign emv transactions.
contactless emv transactions not encrypted. why can sniff contactless transaction, or read contactless payment card info.
transactions still secured because of certificate embedded in card, specific card issuer (ex : visa, mastercard). certificate protected (can't read). used sign transaction details (amount, date, random identifier, etc.), pos , transaction processor (on bank side) can authenticate , validate transaction. without valid signature, transaction rejected.
however, since major card issuers added mobile payment support latest specification (ex : mastercard paypass 3.0, visa paywave 2.1). may offer api other apps on phone initiate tranasctions. still, understanding phones need specific hardware (ex : cryptoprocessor) process transactions.
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