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Apple, Google, Samsung and others are making changes to the way their phones handle payments. Some of these changes remove restrictions on Near Field Communication payments, whereas others take mobile technology in an entirely different direction. (Image: ShutterStock)
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Wolfe, Daniel

Nexus 5 and KitKat

Google's new flagship phone is the showcase for Android 4.4, nicknamed KitKat, a mobile operating system that takes a fresh approach to mobile payments. Its Host Card Emulation feature lets payment apps initiate NFC transactions without accessing the secure element – potentially making NFC-based mobile wallets available on more carriers.
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Motorola Solutions Inc. Moto X smartphones are displayed during assembly at the Flextronics International Ltd. factory in Fort Worth, Texas, U.S., on Tuesday, Sept. 10, 2013. More than 2,000 Flextronics International Ltd. employees have been contracted to manufacture Google Inc.’s Moto X smartphone. Photographer: Mike Fuentes/Bloomberg
Mike Fuentes/Bloomberg

Moto X

Google's other new phone, the Moto X, lets users unlock their phones by using NFC stickers and magnets. This everyday use of NFC can train consumers to use NFC for the Moto X's supported payment systems, such as Isis and anything enabled by its impending upgrade to KitKat. (Image: Bloomberg News)
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A Samsung Electronics Co. Ltd. Galaxy S4 smartphone, right, sits on display inside an OAO Mobile TeleSystems (MTS) retail outlet in Moscow, Russia, on Thursday, July 11, 2013. OAO Mobile TeleSystems's chief said Russia's largest mobile-phone operator would need better terms to back Apple Inc. handsets again after Windows smartphones advanced to almost match iPhones in market share. Photographer: Andrey Rudakov/Bloomberg
Andrey Rudakov/Bloomberg

Samsung's Galaxy Phones

This year's Galaxy S4 brought with it a new technology for mobile payments: it can display pulses of light that can be read by older bar code scanners. The Galaxy line also supports the recently updated Samsung Wallet app, the phone maker's answer to Apple's Passbook. (Image: Bloomberg News)
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Event employees hold up Samsung Electronics Co. Galaxy Note 3 smartphones and a Galaxy Gear smartwatch at the launch event for the two devices in Seoul, South Korea, on Wednesday, Sept. 25, 2013. Samsung is releasing the new devices in 58 countries today, expanding to approximately 140 countries by next month, according to an emailed statement. Photographer: SeongJoon Cho/Bloomberg
SeongJoon Cho/Bloomberg

Samsung's Smartwatch and Galaxy Note 3

Samsung's newest Galaxy Note phone and its companion smartwatch, Galaxy Gear, are opening new channels for mobile commerce. The devices pair by NFC, and the Gear smartwatch launched with an app from eBay, allowing mobile commerce payments from the user's wrist. (Image: Bloomberg News)
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Employees pass Apple Inc. iPhone 5c and 5s devices during the launch at the company's new store in Palo Alto, California, U.S., on Friday, Sept. 20, 2013. Apple Inc. attracted long lines of shoppers at its retail stores today for the global debut of its latest iPhones, in the company's biggest move this year to stoke new growth. Photographer: David Paul Morris/Bloomberg
David Paul Morris/Bloomberg

Apple iPhone 5s

It's not all about the fingerprint reader – the newest iPhone supports Bluetooth Low Energy, a wireless communication technology that is receiving a sudden burst of attention among mobile payments vendors. And yeah, the fingerprint reader works for payments too, but only with Apple's iTunes and app store. (Image: Bloomberg News)

Technology Disruptors Mobile payments
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