I feel your pain...
Here in the grasslands of Indian Territory, we have "almost" seen the light of the "new wave of NFC"
Walgreen's and Home Depot, and McDonald's have the new NFC Point of Sale terminals ( I avoided 'POS' wrong connotation here )
I installed Android Pay two days ago, and I noted that it brought in my Google Wallet info from a year ago. I had to update the expiration date and CVC numbers... but it sent me an email and told me that I now have a new "virtual CC number" that cannot be hacked and any of my HIPPA info be released.
They told me that I can use it anywhere now where there is a NFC terminal regardless of whether it was originally designed for Apple, google wallet, or the Briar Patch Kids.... they will accept the CC numbers, convert them to the Virtual Number, and then they will do a bank transfer against my registered CC/Debit card with my Credit Union which does not support the POS terminals at all.
so, I see it as a Win Win situation. I can now just bump my phone at these POS terminals, enter my 4 digit pincode, and be on my way.
I predict, that within 24 months, 99% of all POS terminals will have NFC.
US Bank Corp has put a deadline on accepting any CC transactions after 12/31/2016 UNLESS it comes from a NFC equipped terminal.
I have a CHASE debit card also, it already has a NFC chip in it. found that out just 3 days ago at Home Depot because they have just installed the new NFC POS terminals. I swiped the card just like I did last month, got a message "Please insert card into bottom of terminal, Leave it there until transaction is completed".... hmmmm, inserted the debit card, and a new screen came up that I have not seen before... followed what it wanted, and was on my way...
now that Bank Corp has drawn a line in the sand, the other major CC companies will be forced to do the same. If they don't they will loose business.
for me, this is really a good thing..... why??
Because for me to get my CC card out, involves unwrapping 3 rubber bands from my wallet, pulling the card out, doing the swipe routine, replacing the CC card in my wallet, wrapping the 3 rubber bands around the wallet again....
Why 3 rubber bands? 1 is for the left side of the wallet to keep the cards in that pocket.
2nd is for the right side pocket to keep cards in that pocket.
3rd one is around the completely folded up wallet, to keep it from being pulled from my pants pocket by a "PickPocket Thief".
yep, I have been using this very secure security method now for over 30 years.... and I don't give a damn how irritated anyone is at the cash register. It is my wallet, and they can just stand there until it is safe again.
. so, if I can just bump my smartphone against a NFC POS terminal and enter 4 digits and get a sales receipt...
I see that as a big Win...