<s>
JVL	O
Ventures	O
,	O
LLC	O
d/b/a	O
Softcard	B-Application
(	O
formerly	O
Isis	B-Application
Mobile	I-Application
Wallet	I-Application
)	O
,	O
was	O
a	O
joint	O
venture	O
between	O
AT&T	O
,	O
T-Mobile	O
and	O
Verizon	B-Application
which	O
produced	O
a	O
mobile	O
payments	O
platform	O
known	O
as	O
Softcard	B-Application
,	O
which	O
used	O
near-field	O
communication	O
(	O
NFC	O
)	O
technology	O
to	O
allow	O
users	O
to	O
pay	O
for	O
items	O
at	O
stores	O
and	O
restaurants	O
with	O
credit	O
and	O
debit	O
card	O
credentials	O
stored	O
on	O
their	O
smartphones	B-Application
.	O
</s>
<s>
The	O
official	O
Softcard	B-Application
app	B-Application
was	O
available	O
for	O
NFC-compatible	O
smartphones	B-Application
using	O
the	O
Android	B-Application
operating	I-Application
system	I-Application
and	O
later	O
on	O
Windows	B-Protocol
Phone	I-Protocol
8.1	I-Protocol
.	O
</s>
<s>
On	O
February	O
23	O
,	O
2015	O
,	O
it	O
was	O
announced	O
that	O
Google	B-Application
—	O
which	O
had	O
developed	O
a	O
competing	O
system	O
known	O
as	O
Google	B-Application
Wallet	I-Application
,	O
backed	O
by	O
Sprint	O
and	O
MetroPCS	O
—	O
had	O
acquired	O
certain	O
assets	O
and	O
intellectual	O
property	O
from	O
Softcard	B-Application
.	O
</s>
<s>
The	O
Softcard	B-Application
service	O
was	O
discontinued	O
on	O
March	O
31	O
,	O
2015	O
,	O
and	O
the	O
three	O
founding	O
carriers	O
pledged	O
support	O
for	O
Google	B-Application
Wallet	I-Application
.	O
</s>
<s>
In	O
May	O
2015	O
,	O
Google	B-Application
unveiled	O
Android	B-Application
Pay	I-Application
as	O
a	O
successor	O
to	O
Google	B-Application
Wallet	I-Application
and	O
Softcard	B-Application
.	O
</s>
<s>
In	O
November	O
2010	O
,	O
AT&T	O
,	O
T-Mobile	O
,	O
and	O
Verizon	B-Application
officially	O
announced	O
a	O
joint	O
venture	O
known	O
as	O
Isis	B-Application
,	O
which	O
planned	O
to	O
develop	O
a	O
near-field	O
communications-based	O
mobile	O
payments	O
platform	O
.	O
</s>
<s>
The	O
service	O
originally	O
planned	O
to	O
operate	O
as	O
a	O
payment	O
system	O
that	O
would	O
handle	O
its	O
own	O
transactions	O
,	O
but	O
citing	O
rapidly	O
developing	O
competition	O
,	O
Isis	B-Application
changed	O
its	O
model	O
to	O
integrate	O
with	O
existing	O
credit	O
cards	O
and	O
payment	O
networks	O
.	O
</s>
<s>
On	O
July	O
19	O
,	O
2011	O
,	O
Isis	B-Application
announced	O
that	O
American	O
Express	O
,	O
MasterCard	O
,	O
and	O
Visa	O
would	O
additionally	O
back	O
the	O
platform	O
.	O
</s>
<s>
Isis	B-Application
planned	O
to	O
launch	O
a	O
trial	O
program	O
in	O
Salt	O
Lake	O
City	O
and	O
Austin	O
in	O
early	O
to	O
mid	O
2012	O
.	O
</s>
<s>
In	O
September	O
2011	O
,	O
Isis	B-Application
announced	O
that	O
HTC	B-Application
,	O
LG	O
Electronics	O
,	O
Motorola	O
Mobility	O
,	O
Samsung	O
Electronics	O
,	O
Research	O
in	O
Motion	O
,	O
and	O
Sony	O
Ericsson	O
had	O
committed	O
to	O
manufacturing	O
smartphones	B-Application
that	O
would	O
be	O
compatible	O
with	O
the	O
system	O
.	O
</s>
<s>
It	O
also	O
announced	O
a	O
partnership	O
with	O
DeviceFidelity	O
to	O
manufacture	O
NFC-enabling	O
accessories	O
for	O
other	O
devices	O
so	O
that	O
they	O
could	O
support	O
Isis	B-Application
.	O
</s>
<s>
In	O
February	O
2012	O
,	O
Isis	B-Application
announced	O
Barclaycard	O
,	O
Capital	O
One	O
,	O
and	O
Chase	O
as	O
launch	O
bank	O
partners	O
for	O
the	O
service	O
.	O
</s>
<s>
Isis	B-Application
soft-launched	O
in	O
Austin	O
and	O
Salt	O
Lake	O
City	O
on	O
October	O
22	O
,	O
2012	O
,	O
and	O
launched	O
nationwide	O
on	O
November	O
14	O
,	O
2013	O
.	O
</s>
<s>
In	O
September	O
2014	O
,	O
the	O
service	O
was	O
renamed	O
"	O
Softcard	B-Application
"	O
,	O
as	O
the	O
name	O
"	O
Isis	B-Application
"	O
had	O
gained	O
negative	O
connotations	O
due	O
to	O
its	O
association	O
with	O
the	O
terrorist	B-Device
organization	O
Islamic	O
State	O
of	O
Iraq	O
and	O
the	O
Levant	O
(	O
ISIL	O
,	O
IS	O
)	O
,	O
which	O
had	O
previously	O
referred	O
to	O
itself	O
as	O
the	O
"	O
Islamic	O
State	O
of	O
Iraq	O
and	O
al-Sham	O
"	O
—	O
a	O
name	O
commonly	O
abbreviated	O
as	O
"	O
ISIS	B-Application
"	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
certain	O
assets	O
and	O
intellectual	O
property	O
from	O
Softcard	B-Application
,	O
and	O
integrate	O
it	O
into	O
its	O
own	O
service	O
,	O
Google	B-Application
Wallet	I-Application
.	O
</s>
<s>
At	O
the	O
same	O
time	O
,	O
it	O
was	O
announced	O
that	O
AT&T	O
,	O
T-Mobile	O
US	O
,	O
and	O
Verizon	B-Application
would	O
begin	O
to	O
back	O
Google	B-Application
Wallet	I-Application
,	O
and	O
bundle	O
its	O
app	B-Application
with	O
their	O
compatible	O
devices	O
later	O
in	O
the	O
year	O
,	O
in	O
place	O
of	O
Softcard	B-Application
.	O
</s>
<s>
The	O
partnership	O
aimed	O
to	O
build	O
a	O
stronger	O
competitor	O
to	O
the	O
competing	O
mobile	O
payment	O
platform	O
Apple	B-Application
Pay	I-Application
,	O
which	O
was	O
introduced	O
alongside	O
the	O
launch	O
of	O
the	O
iPhone	B-Operating_System
6	I-Operating_System
in	O
late	O
2014	O
,	O
and	O
experienced	O
heavier	O
adoption	O
than	O
other	O
competing	O
services	O
due	O
to	O
Apple	O
's	O
position	O
in	O
the	O
market	O
.	O
</s>
<s>
Softcard	B-Application
CEO	B-Application
Michael	O
Abbott	O
had	O
previously	O
indicated	O
that	O
the	O
company	O
was	O
"	O
actively	O
working	O
"	O
with	O
Apple	O
to	O
integrate	O
its	O
service	O
with	O
the	O
device	O
.	O
</s>
<s>
Google	B-Application
Wallet	I-Application
was	O
also	O
backed	O
by	O
Sprint	O
and	O
MetroPCS	O
.	O
</s>
<s>
All	O
three	O
carriers	O
had	O
previously	O
worked	O
together	O
in	O
a	O
standard	O
setting	O
environment	O
without	O
including	O
Google	B-Application
Wallet	I-Application
;	O
Verizon	B-Application
refused	O
to	O
allow	O
its	O
devices	O
to	O
access	O
the	O
service	O
because	O
it	O
requires	O
access	O
to	O
the	O
"	O
secure	O
element	O
"	O
of	O
a	O
smartphone	B-Application
,	O
despite	O
Softcard	B-Application
having	O
the	O
same	O
requirement	O
.	O
</s>
<s>
The	O
Softcard	B-Application
service	O
and	O
apps	O
ceased	O
to	O
function	O
on	O
March	O
31	O
,	O
2015	O
.	O
</s>
<s>
Softcard	B-Application
customer	O
data	O
was	O
not	O
migrated	O
to	O
Google	B-Application
Wallet	I-Application
,	O
and	O
the	O
service	O
does	O
not	O
support	O
Windows	B-Protocol
Phone	I-Protocol
.	O
</s>
<s>
At	O
Google	B-Application
's	I-Application
I/O	I-Application
developers	O
 '	O
conference	O
that	O
May	O
,	O
the	O
company	O
unveiled	O
a	O
replacement	O
for	O
both	O
services	O
known	O
as	O
Android	B-Application
Pay	I-Application
.	O
</s>
<s>
Softcard	B-Application
uses	O
several	O
underlying	O
technologies	O
:	O
</s>
