Sailfish payment apps Work Group - Europe

[avhakola]

@Damien_Jolla

Perhaps there could be a Payment TOH that circumvents those issues??? Just an idea.

@nephros is already ahead of you with the idea of poor mans payment TOH

@Kea

If you are on Linux you could install the ‘Google teller ‘ by Bert Hubert.

Do this only if you love cacophony…

[tice_rex]

“Are there overlaps in the technical problems needing solving for the two?”

Sort of…
Banks need to have contract with the card issuer companies (MC/Visa/Amex/etc.) to be able to virtualize (“digitalize” in their terms) a card. Banking apps can transfer card data to Google Wallet without physical presence of the card. In addition, Google Wallet has a security gate function: you should unlock the phone to enable NFC communication. I don’t know how it can be done in case of individual/external NFC chips.

There are 3rd party services (eg.Tapster, https://gotapster.com) to put the card data into an NFC chip, but AFAIK all those require some kind of Andoid/iOS apps.

[hlrx]

Couldn’t Jolla and Wero team up to create a native SFOS app for direct bank payments? Wero already has PSD2 certification to access bank accounts, and Jolla could provide the technical support for NFC/QR code integration.

This would allow payments without relying on card networks or banking apps.

A win-win for both ecosystems

[JE281]

And the new digital Euro project builds partially on top of wero and could also be compatible with Sailfish!

[xmasjos]

That woul be Tweakers, I guess?
It’s a shame I don’t have time to support this initiative, but I can send emails etc when the specifics are provided.

[nephros]

Off-Topic reply about Googerteller

@Kea

If you are on Linux you could install the ‘Google teller ‘ by Bert Hubert. […]
On Github.

Also here, with some SailfishOS systemd services:

Show home:nephros:release:googerteller - SailfishOS Open Build Service

[hlrx]

I’ve posted an initial draft of “Sailwero”. I think this is an important enough topic to warrant the community’s attention.

If you’re interested in the idea, please feel free to contribute or share your thoughts.

I’ll definitely be starting a thread to discuss it!

sailwero

[Damien_Jolla]

I didn’t mean a simple card slot in a case, but rather a TOH with a dedicated NFC chip and an accompanying app for a payment service where you can connect your payment card. Ie the app connects to the NFC chip through the I3C port to do authentication etc.

I’m not sure exactly how this would work with payment standards etc. Perhaps it could work with a prepaid balance and then make the payment anonymous as well.

---

Edit: having just read the post on Sailwero, I think that would be the preferred route.

[avhakola]

@Damien_Jolla

I didn’t mean a simple card slot in a case

That is why I called the proposal the “poor man’s version”

[attah]

What makes that any better than using the built-in nfc/rfid chip? Almost certainly nothing.

[lumen]

Thank you all for your valuable comments and input. Let’s try to keep this thread for the Work Group. I mean general discussion about payments is good, but maybe more beneficial on other banking threads.

We need to gather people together that have contacts to actors/agents in payment and banking sector.

Edit: Flow chart and the link to it REMOVED, the Work Group has proceeded to other methods.

[joboe]

And the ING app is one, which works with waydroid and appsupport!

[prkl]

If available, in Nextcloud it’s possible to install diagram app, if not simply share drawio file. Diagramming - Apps - App Store - Nextcloud

[lumen]

The general idea with this thread is to create a Work Group which will be in contact with various actors/agents/companies in banking/payment services. Please, if we can hold discussions about specific apps in another thread as there are few where apps general working and so on - is discussed.

For example:

Banking apps on Sailfish OS

Here is a list of banking applications and their user-experience on Sailfish OS. Please improve this list by reporting your own experience. Detailed instructions how to write a proper entry are at the end of this post. Please add your report even if somebody has already reported an application, because different combinations of app version, Sailfish OS version and MicroG version often result in differing experiences. Evaluation codes N1: Native app - works N2: Native app - works mostly N3: …

Banking Apps with SailfishOS

The problem with Sailfishos is that banks distribute their APPS exclusively via Google Play Store. Under Sailfishos you are excluded from some apps, but I have found a solution. Install Banking Apps etc on SonyXperia2 with SailfishOS – this is easy You need a 2nd Android smartphone – You install the software “APK Installer by uptodown” from the Playstore. With the program APK Installer you can make a copy of the required apps like Banking APP, … under “Manage Apps”… Use the file manager to s…

[lumen]

Calling if somebody has a possibility to share the file on a server?

I can try of course to host it on my NAS (Synology) but I need to study a bit how it is done in a safe and reliable way…

[hlrx]

Alternatively, use Markdown (with Mermaid) and store it in the Codeberg repository; it’s a bit technical but handy for having a central hub for the group.

P.S.: I could convert this personal repository into an organisation repository to share access rights.

EDIT: We can use this forum’s chat groups for more informal and direct discussions: https://forum.sailfishos.org/chat/browse/open

[lumen]

Very good idea, thank you HLRX. We will continue there.
If somebody wants to join the Work Group, please reply here in this thread.

[stayerk]

I would like to join

[JE281]

I would be interested c:

[moripeluka]

While I would love to see native bank apps happen, I don’t understand how this would be possible.

Most bank apps actively work to detect the absence of Play Integrity, or a rooted phone. Banks don’t want to promote the use of websites, which already had TOTP or equivalent several years ago. Banks want an approver app which implements evidence it can’t be tampered with. This is their view on security.

A Jolla phone, where by definition we have root, we can see and tamper with the Android app data, is not something I expect promoting will have success. To the contrary, it is only allowed by chance by some apps because banks haven’t yet figured we exist.

What we need is to do at this stage is not work with the banks; it is to lobby the EC or take parts of the lobby experts group that define policies for the EC.

Claiming SFOS is a “European alternative” won’t be sufficient. SFOS will need to implement the same level of security that Android currently has. A locked down version of SFOS might do it for the EC and for the banks, but is clearly not what SFOS users want.

I forum users won’t like to read this, but I fear this is the truth.