As far as I understand the Apple and Google payments happening like Apple and Google pay for the purchases and they charge your card you have added to their system. The store doesn’t get to know your card number or even what card you used.
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Do you think e. g. Garmin would be interested in a wider adoption of Garmin Pay by letting SFOS use it the way Android uses Google Pay and iOS uses Apple Pay?
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It’s not simply a signal, there’s encrypted bi-directional communication involved, even for the “simple” NFC which is simply defining some default keys (that only allow reading the data) for various data card types. For payment, it’s even worse as the card (possibly unlocked by the PIN code) must communicate “directly” with the bank to prove it is indeed the card it’s pretending to be.
For those interested, I think the EMV (Eurocard-Mastercard-Visa) protocol specification for payment is public (and certification cost 3 limbs and your first-born child).
This is not how it works. There’s strong encryption involved so that you can’t simply pull money from anyone’s credit card.
The problem here are the signing keys for this encryption: While Apple and Google are simply big enough to define they are trustworthy, a company like Jolla simply can’t.
It’s the same with garmin pay - There are only a few banks who support them (by accepting their encryption certificates), but if your bank does, you can pay on any NFC terminal…