<s>
Google	B-Application
Pay	I-Application
Send	I-Application
,	O
previously	O
known	O
as	O
Google	B-Application
Wallet	I-Application
,	O
was	O
a	O
peer-to-peer	O
payments	O
service	O
developed	O
by	O
Google	B-Application
before	O
its	O
merger	O
into	O
Google	B-Application
Pay	I-Application
.	O
</s>
<s>
In	O
2018	O
,	O
Android	B-Application
Pay	I-Application
and	O
Google	B-Application
Wallet	I-Application
were	O
unified	O
into	O
a	O
single	O
pay	O
system	O
called	O
Google	B-Application
Pay	I-Application
.	O
</s>
<s>
The	O
old	O
Wallet	B-Operating_System
app	O
was	O
rebranded	O
Google	B-Application
Pay	I-Application
Send	I-Application
,	O
before	O
it	O
was	O
discontinued	O
as	O
well	O
in	O
2020	O
.	O
</s>
<s>
Google	B-Application
Pay	I-Application
is	O
structured	O
to	O
allow	O
its	O
patrons	O
to	O
send	O
money	O
to	O
each	O
other	O
.	O
</s>
<s>
To	O
send	O
money	O
,	O
a	O
Google	B-Application
Pay	I-Application
user	O
enters	O
the	O
email	O
address	O
or	O
phone	O
number	O
of	O
the	O
recipient	O
.	O
</s>
<s>
If	O
the	O
recipient	O
also	O
has	O
a	O
Google	B-Application
Pay	I-Application
account	O
,	O
the	O
funds	O
will	O
post	O
to	O
that	O
account	O
directly	O
.	O
</s>
<s>
Users	O
can	O
link	O
up	O
to	O
two	O
bank	O
accounts	O
when	O
the	O
Wallet	B-Operating_System
account	O
is	O
created	O
.	O
</s>
<s>
Received	O
money	O
goes	O
to	O
the	B-Application
Google	I-Application
Pay	O
Balance	O
and	O
stays	O
there	O
until	O
the	O
user	O
decides	O
to	O
cash	O
out	O
to	O
a	O
linked	O
account	O
.	O
</s>
<s>
The	B-Application
Google	I-Application
Pay	O
app	O
is	O
available	O
for	O
free	O
from	O
either	O
Google	B-Application
Play	I-Application
or	O
the	O
App	B-Application
Store	I-Application
.	O
</s>
<s>
After	O
downloading	O
the	O
app	O
,	O
the	O
user	O
creates	O
a	O
four-digit	O
personal	O
identification	O
number	O
(	O
PIN	O
)	O
for	O
managing	O
everything	O
within	O
their	O
Google	B-Application
Pay	I-Application
account	O
.	O
</s>
<s>
The	O
PIN	O
verifies	O
access	O
to	O
the	O
Wallet	B-Operating_System
app	O
on	O
the	O
user	O
's	O
mobile	O
device	O
.	O
</s>
<s>
Before	O
it	O
was	O
discontinued	O
on	O
June	O
30	O
,	O
2016	O
,	O
the	B-Application
Google	I-Application
Wallet	B-Operating_System
Card	O
was	O
recognized	O
by	O
the	O
Cirrus	O
network	O
operated	O
by	O
MasterCard	O
(	O
rather	O
than	O
the	O
Plus	O
network	O
operated	O
by	O
Visa	O
)	O
.	O
</s>
<s>
In	O
September	O
2017	O
,	O
Google	B-Application
launched	O
its	O
first	O
major	O
payments	O
service	O
outside	O
the	O
United	O
States	O
,	O
in	O
Tez	B-Application
,	O
India	O
.	O
</s>
<s>
Google	B-Application
demonstrated	O
the	O
original	O
version	O
of	O
the	O
service	O
at	O
a	O
press	O
conference	O
on	O
May	O
26	O
,	O
2011	O
.	O
</s>
<s>
On	O
May	O
15	O
,	O
2013	O
,	O
Google	B-Application
announced	O
the	O
integration	O
of	O
Google	B-Application
Wallet	I-Application
and	O
Gmail	B-Application
,	O
allowing	O
users	O
to	O
send	O
money	O
through	O
Gmail	B-Application
attachments	O
.	O
</s>
<s>
While	O
Google	B-Application
Wallet	I-Application
is	O
available	O
only	O
in	O
the	O
United	O
States	O
,	O
the	O
Gmail	B-Application
integration	O
is	O
currently	O
available	O
in	O
the	O
U.S.	O
and	O
the	O
United	O
Kingdom.The	O
physical	O
Google	B-Application
Wallet	I-Application
Card	O
was	O
an	O
optional	O
addition	O
to	O
the	O
app	O
which	O
allowed	O
users	O
to	O
make	O
purchases	O
at	O
point-of-sale	O
(	O
in	O
stores	O
or	O
online	O
)	O
drawing	O
from	O
funds	O
in	O
their	O
Google	B-Application
Wallet	I-Application
account	O
,	O
attached	O
debit	O
card	O
account	O
,	O
or	O
bank	O
account	O
.	O
</s>
<s>
The	O
card	O
could	O
also	O
be	O
used	O
to	O
withdraw	O
cash	O
at	O
ATMs	O
with	O
no	O
Google-associated	O
fee	O
,	O
and	O
could	O
be	O
used	O
like	O
a	O
debit	O
card	O
for	O
virtually	O
any	O
purpose	O
,	O
including	O
such	O
things	O
as	O
renting	O
a	O
car	O
.	O
</s>
<s>
The	O
Wallet	B-Operating_System
Card	O
was	O
discontinued	O
on	O
June	O
30	O
,	O
2016	O
,	O
and	O
replaced	O
with	O
Android	B-Application
Pay	I-Application
.	O
</s>
<s>
The	O
original	O
version	O
of	O
Google	B-Application
Wallet	I-Application
allowed	O
users	O
to	O
make	O
point-of-sale	O
purchases	O
with	O
their	O
mobile	O
devices	O
using	O
near-field	O
communication	O
(	O
NFC	O
)	O
technology	O
.	O
</s>
<s>
As	O
of	O
September	O
2015	O
,	O
however	O
,	O
Google	B-Application
dropped	O
NFC	O
from	O
Google	B-Application
Wallet	I-Application
,	O
offering	O
the	O
technology	O
only	O
through	O
Android	B-Application
Pay	I-Application
,	O
which	O
is	O
a	O
separate	O
application	O
available	O
only	O
to	O
Android	B-Application
users	O
.	O
</s>
<s>
As	O
a	O
result	O
,	O
any	O
gift	O
cards	O
,	O
loyalty	O
programs	O
,	O
and	O
promotional	O
offers	O
stored	O
in	O
an	O
older	O
version	O
of	O
Google	B-Application
Wallet	I-Application
could	O
no	O
longer	O
be	O
used	O
.	O
</s>
<s>
For	O
Android	B-Application
users	O
,	O
those	O
outstanding	O
offers	O
and	O
gift	O
cards	O
were	O
automatically	O
transferred	O
to	O
Android	B-Application
Pay	I-Application
.	O
</s>
<s>
For	O
iOS	B-Application
users	O
,	O
instructions	O
were	O
provided	O
to	O
export	O
the	O
offers	O
for	O
alternative	O
use	O
.	O
</s>
<s>
On	O
February	O
23	O
,	O
2015	O
,	O
Google	B-Application
announced	O
that	O
it	O
would	O
acquire	O
the	O
intellectual	O
property	O
of	O
the	O
carrier-backed	O
competitor	O
Softcard	B-Device
and	O
integrate	O
it	O
into	O
Google	B-Application
Wallet	I-Application
,	O
and	O
that	O
American	O
mobile	O
network	O
operators	O
AT&T	O
Mobility	O
,	O
T-Mobile	O
US	O
,	O
and	O
Verizon	B-Application
Wireless	I-Application
would	O
bundle	O
the	B-Application
Google	B-Application
Wallet	I-Application
app	O
on	O
their	O
compatible	O
devices	O
.	O
</s>
<s>
The	O
effective	O
merger	O
resulted	O
in	O
the	O
new	O
service	O
known	O
as	O
Android	B-Application
Pay	I-Application
,	O
a	O
competitor	O
to	O
Apple	B-Application
Pay	I-Application
and	O
similar	O
NFC	O
mobile	O
payment	O
service	O
.	O
</s>
<s>
Separate	O
from	O
Android	B-Application
Pay	I-Application
,	O
Google	B-Application
Wallet	I-Application
now	O
allows	O
peer-to-peer	O
transactions	O
for	O
cases	O
such	O
as	O
when	O
people	O
want	O
to	O
split	O
the	O
cost	O
of	O
shared	O
expenses	O
,	O
reimburse	O
each	O
other	O
,	O
keep	O
track	O
of	O
joint	O
spending	O
,	O
or	O
give	O
money	O
as	O
a	O
gift	O
or	O
loan	O
.	O
</s>
<s>
While	O
Android	B-Application
Pay	I-Application
is	O
only	O
available	O
to	O
Android	B-Application
users	O
,	O
Google	B-Application
Wallet	I-Application
is	O
available	O
on	O
iOS	B-Application
and	O
via	O
Gmail	B-Application
as	O
well	O
.	O
</s>
<s>
For	O
those	O
using	O
Android	B-Application
,	O
the	O
two	O
products	O
together	O
(	O
Android	B-Application
Pay	I-Application
and	O
Google	B-Application
Wallet	I-Application
)	O
offer	O
a	O
comprehensive	O
payments	O
management	O
system	O
,	O
a	O
“	O
tool	O
for	O
staying	O
in	O
charge	O
of	O
the	O
bank	O
account.	O
”	O
Users	O
can	O
link	O
their	O
bank	O
accounts	O
or	O
debit	O
cards	O
to	O
Android	B-Application
Pay	I-Application
and	O
to	O
their	O
Google	B-Application
Wallet	I-Application
app	O
.	O
</s>
<s>
Google	B-Application
does	O
not	O
charge	O
users	O
for	O
access	O
to	O
Google	B-Application
Wallet	I-Application
.	O
</s>
<s>
Sending	O
and	O
receiving	O
money	O
is	O
free	O
,	O
as	O
is	O
adding	O
money	O
to	O
a	O
Wallet	B-Operating_System
Card	O
through	O
a	O
linked	O
bank	O
account	O
.	O
</s>
<s>
There	O
are	O
limits	O
on	O
how	O
much	O
money	O
users	O
can	O
add	O
to	O
their	O
Wallet	B-Operating_System
Balance	O
,	O
withdraw	O
from	O
the	O
linked	O
account	O
or	O
card	O
,	O
or	O
send	O
and	O
receive	O
to	O
other	O
individuals	O
.	O
</s>
<s>
Previously	O
,	O
a	O
2.9	O
%	O
fee	O
applied	O
to	O
funds	O
added	O
via	O
debit	O
card	O
,	O
although	O
Google	B-Application
dropped	O
that	O
ability	O
as	O
of	O
May	O
2	O
,	O
2016	O
.	O
</s>
<s>
Funds	O
sent	O
from	O
a	O
Wallet	B-Operating_System
balance	O
,	O
debit	O
card	O
,	O
or	O
linked	O
bank	O
account	O
are	O
generally	O
available	O
to	O
the	O
recipient	O
immediately	O
,	O
and	O
if	O
the	O
recipient	O
has	O
his	O
or	O
her	O
own	O
Wallet	B-Operating_System
account	O
and	O
card	O
,	O
he	O
or	O
she	O
can	O
make	O
an	O
immediate	O
withdrawal	O
of	O
those	O
funds	O
from	O
an	O
ATM	O
.	O
</s>
<s>
If	O
the	O
funds	O
are	O
drawn	O
on	O
the	O
sender	O
's	O
Wallet	B-Operating_System
balance	O
,	O
the	O
balance	O
will	O
also	O
reflect	O
this	O
change	O
immediately	O
.	O
</s>
<s>
While	O
Google	B-Application
does	O
not	O
have	O
revenue	O
coming	O
in	O
from	O
the	O
Wallet	B-Operating_System
ecosystem	O
(	O
the	O
web	O
service	O
,	O
app	O
,	O
and	O
the	O
Wallet	B-Operating_System
Card	O
)	O
,	O
the	O
product	O
is	O
part	O
of	O
a	O
larger	O
suite	O
of	O
e-commerce	O
products	O
,	O
including	O
Android	B-Application
Pay	I-Application
,	O
which	O
integrates	O
loyalty	O
programs	O
and	O
promotions	O
from	O
other	O
businesses	O
.	O
</s>
<s>
Google	B-Application
Wallet	I-Application
protects	O
payment	O
credentials	O
by	O
storing	O
user	O
data	O
on	O
secure	O
servers	O
and	O
encrypting	O
all	O
payment	O
information	O
with	O
industry-standard	O
SSL	O
(	O
secure	O
socket	O
layer	O
)	O
technology	O
.	O
</s>
<s>
All	O
Google	B-Application
Wallet	I-Application
users	O
are	O
also	O
required	O
to	O
have	O
a	O
PIN	O
to	O
protect	O
access	O
to	O
their	O
Wallet	B-Operating_System
account	O
.	O
</s>
<s>
Google	B-Application
also	O
recommends	O
having	O
a	O
general	O
passcode	O
on	O
mobile	O
devices	O
for	O
additional	O
security	O
.	O
</s>
<s>
If	O
prompted	O
to	O
do	O
so	O
,	O
the	O
user	O
will	O
visit	O
the	O
Wallet	B-Operating_System
website	O
and	O
follow	O
steps	O
to	O
ensure	O
their	O
accurate	O
identity	O
.	O
</s>
<s>
If	O
a	O
Google	B-Application
Wallet	I-Application
Card	O
is	O
lost	O
or	O
stolen	O
,	O
users	O
can	O
immediately	O
cancel	O
access	O
to	O
it	O
by	O
signing	O
into	O
myaccount.google.com	O
.	O
</s>
<s>
Google	B-Application
also	O
offers	O
the	O
additional	O
flexibility	O
of	O
temporarily	O
locking	O
the	O
card	O
if	O
a	O
user	O
suspects	O
that	O
the	O
card	O
has	O
simply	O
been	O
misplaced	O
.	O
</s>
<s>
In	O
the	O
event	O
of	O
unauthorized	O
transactions	O
,	O
Google	B-Application
Wallet	I-Application
Fraud	O
Protection	O
covers	O
100%	O
of	O
verified	O
unauthorized	O
transactions	O
made	O
in	O
the	O
US	O
reported	O
within	O
120	O
days	O
of	O
the	O
transaction	O
.	O
</s>
<s>
Only	O
US	O
residents	O
who	O
have	O
Wallet	B-Operating_System
accounts	O
associated	O
with	O
a	O
US	O
address	O
are	O
eligible	O
for	O
coverage	O
under	O
this	O
policy	O
.	O
</s>
<s>
Regarding	O
an	O
earlier	O
version	O
of	O
Google	B-Application
Wallet	I-Application
(	O
in	O
2012	O
)	O
,	O
an	O
analysis	O
by	O
security	O
company	O
Nowsecure	B-Application
revealed	O
that	O
some	O
card	O
information	O
stored	O
by	O
Google	B-Application
Wallet	I-Application
was	O
accessible	O
outside	O
of	O
the	O
application	O
.	O
</s>
<s>
It	O
is	O
suggested	O
that	O
hackers	O
could	O
create	O
a	O
way	O
to	O
intercept	O
data	O
by	O
eavesdropping	O
on	O
Google	B-Application
Analytics	O
,	O
which	O
monitors	O
apps	O
used	O
on	O
the	O
Android	B-Application
OS	I-Application
.	O
</s>
<s>
Privacy	O
concerns	O
include	O
the	O
storing	O
of	O
data	O
regarding	O
payment	O
information	O
,	O
transaction	O
details	O
,	O
payment	O
attempts	O
and	O
other	O
information	O
stored	O
by	O
Google	B-Application
indefinitely	O
.	O
</s>
<s>
The	O
privacy	O
policy	O
for	O
Google	B-Application
Wallet	I-Application
,	O
called	O
the	B-Application
Google	I-Application
Payments	O
Privacy	O
Notice	O
,	O
indicates	O
that	O
much	O
of	O
the	O
data	O
is	O
stored	O
but	O
may	O
not	O
be	O
shared	O
outside	O
Google	B-Application
except	O
under	O
certain	O
circumstances	O
.	O
</s>
<s>
Information	O
that	O
may	O
be	O
collected	O
about	O
a	O
transaction	O
made	O
through	O
Google	B-Application
Wallet	I-Application
includes	O
date	O
,	O
time	O
,	O
and	O
amount	O
of	O
transaction	O
,	O
merchant	O
's	O
location	O
and	O
description	O
,	O
a	O
description	O
of	O
goods	O
or	O
services	O
purchased	O
,	O
any	O
photo	O
the	O
user	O
associates	O
with	O
the	O
transaction	O
,	O
the	O
names	O
and	O
email	O
addresses	O
of	O
sender	O
and	O
recipient	O
,	O
the	O
type	O
of	O
payment	O
method	O
used	O
,	O
and	O
a	O
description	O
of	O
the	O
reason	O
for	O
the	O
transaction	O
if	O
included	O
.	O
</s>
<s>
Information	O
collected	O
is	O
shared	O
with	O
Google	B-Application
's	I-Application
affiliates	O
,	O
meaning	O
other	O
companies	O
owned	O
and	O
controlled	O
by	O
Google	O
Inc.	O
,	O
which	O
can	O
be	O
used	O
for	O
their	O
everyday	O
business	O
purposes	O
.	O
</s>
<s>
Google	B-Application
states	O
that	O
it	O
will	O
only	O
share	O
personal	O
information	O
with	O
other	O
companies	O
or	O
individuals	O
outside	O
of	O
Google	B-Application
in	O
the	O
following	O
circumstances	O
:	O
</s>
<s>
Shortly	O
after	O
the	O
launch	O
of	O
Google	B-Application
Wallet	I-Application
's	O
first	O
iteration	O
in	O
2011	O
,	O
PayPal	O
filed	O
a	O
lawsuit	O
against	O
Google	B-Application
and	O
two	O
former	O
employees	O
of	O
PayPal	O
–	O
Osama	O
Bedier	O
and	O
Stephanie	O
Tilenius	O
.	O
</s>
<s>
The	O
lawsuit	O
revealed	O
that	O
Google	B-Application
had	O
been	O
negotiating	O
with	O
PayPal	O
for	O
two	O
years	O
to	O
power	O
payments	O
on	O
mobile	O
devices	O
.	O
</s>
<s>
But	O
just	O
as	O
the	O
deal	O
was	O
about	O
to	O
be	O
signed	O
,	O
Google	B-Application
backed	O
off	O
and	O
instead	O
hired	O
the	O
PayPal	O
executive	O
negotiating	O
the	O
deal	O
,	O
Bedier	O
.	O
</s>
<s>
The	O
lawsuit	O
noted	O
that	O
Bedier	O
knew	O
all	O
of	O
PayPal	O
's	O
future	O
plans	O
for	O
mobile	O
payments	O
,	O
as	O
well	O
as	O
an	O
internal	O
detailed	O
analysis	O
of	O
Google	B-Application
's	I-Application
weaknesses	O
in	O
the	O
area	O
.	O
</s>
<s>
Not	O
only	O
that	O
,	O
it	O
accused	O
him	O
of	O
storing	O
"	O
confidential	O
information	O
in	O
locations	O
such	O
as	O
his	O
non-PayPal	O
computers	O
,	O
non-PayPal	O
e-mail	O
account	O
,	O
and	O
an	O
account	O
on	O
the	O
remote	O
computing	O
service	O
called	O
'	O
Dropbox	B-Application
 '	O
.	O
"	O
</s>
<s>
Google	B-Application
ran	O
a	O
competitor	O
to	O
PayPal	O
,	O
Google	B-Application
Checkout	O
,	O
from	O
2006	O
to	O
2013	O
.	O
</s>
<s>
In	O
2011	O
,	O
Google	B-Application
Wallet	I-Application
replaced	O
Checkout	O
's	O
services	O
,	O
and	O
development	O
on	O
Checkout	O
was	O
discontinued	O
in	O
2013	O
.	O
</s>
