How-To Use Mobile Payments with John Foley & Jason Pinto

John Foley: Hi good morning, it’s John Foley and I, I’m here with uh, from Interlink One, and I’m here with Jason Pinto, of course. You all know him more than me. But, I had some, uh, I thought was, was pretty cool this weekend, I found in a convenience store called Cumberland Farms. It says mobile cash card, right? On the front it has this little picture of a, a cell phone, Jason, and on the back, guess what we got on there? We got a little QR code.

Jason Pinto: Oh, yeah.

John Foley: And we’re going to talk about how this thing works. But, it says, uh, you know, mobile cash card, load cash on your Smartphone and leave your wallet at home. And I know you’ve done it with Starbucks, right?

Jason Pinto: Absolutely. I think this is a great example. Cumberland Farms is a place up here where you often go in there for quick things, right? You’re either in a rush or you just want to get one or two things.

John Foley: Right. Right.

Jason Pinto: So oftentimes, it might not be well planned out, so well, you’re going to have your phone with you.

John Foley: So, it was pretty cool. I’m, you know, I’m sitting there, you know, you know, nerdy as we are, I said, “Geez, we gotta get one of these.” So I got one and I, I put $50 on it, right? And I figure maybe right now we’ll do a little, see how it works. So, the first thing you need to do is visit the, the QR code. So, I’m going to take my reader, I use Inigma. Then you scan it on, scan that QR code, and it brings you to the website, where you, um, can download the mobile application. Alright, so it’s gonna drive me there to this mobile application there, so it’s kind of little. Alright, so you can see it goes to the website. Not that clear, I know. But let me see if I can’t open it up here a little bit. Probably one of the things they could do here is, is optimize this, right?

Jason Pinto: Absolutely.

John Foley: And, um, it says I have to download and install the Card Star app. So, I’m going to go to my app store. I think it’s, it’s good to show people how easy or not easy these types of things are to do. Uh, but when I’m all done here, I’ll be able to go into the, the convenience store, Cumberland Farms, and just use my thing. So, I’m going to install it. Card star, it’s called. Enter in my password. But you know, you know, while it’s loading here, it’s pretty convenient, right? What do you think?

Jason Pinto: Yeah. I’d say, um, mobile payments, being able to pay with your phone, is coming. It should probably already be here more, in, in more stores. Um, basically, you people who don’t know. All you’ll do once you have the app on your phone, you grab the products, you go up to the register, you open your app, and they have their normal scanners right at the register. And all they do, they just scan the barcode that’s going to be in, that your app will present, and boom, that’s it. That’s it. It will deduct from the money you have in your account, and the payment’s done. It’s not scary; it doesn’t take a lot of time. Um, do it.

John Foley: You know, I thought what’s interesting, I, um, when I was talking to the, the individual that I bought the card off of, he, he’s saying, “Well how does it work?” I thought that was interesting. Here we are at the convenience store and the person that’s actually doing it, you know, doesn’t, uh. It’s almost loaded here. Doesn’t know how it works. And I told him, I go, “Look. Uh, on Monday, I’m going to go to the office. I’m going to do a little video of it. But when I get done with that, I’ll come back.” He’s not here, he went Tue- Tuesday, and I’ll show him how the whole thing works and uh, demonstrate. So, it’s just kind of funny how even in their own stores, they don’t necessarily know how they work. And I think, you know, we’ve been, uh, so aware of this, it’s all about education. What I did like about this, it, it prompted me right away when I saw the picture of the mobile phone, right? I thought that was.

Jason Pinto: Absolutely.

John Foley: I know it has something to do with my Smartphone, um, and, and that’s what I meant to say, a Smartphone. And now, to put cash on it, I, I think it’s pretty good. So I, the app’s up now. So, let me load that. Let’s see, it says, uh, select the icon, follow the instructions to download. I did that. Scan; enter the barcode on the back of this card with your mobile phone. So, I’m going to, uh, get started. Just touch the plus sign there on Card star app, select a card. So anyways, I’ll start reading and try to get it to work here. Let’s see if I get to Cumberland’s here.

Ok, so, uh, we took a quick break there to find out what it was. When we were doing the list to search for the card, uh, Cumberland Farms wasn’t listed there yet. So they, they give you an option to do ‘other’, and then it says uh, enter the card number or scan number using the camera. So that’s what I’m gonna try here. So I’m gonna, it’ll be hard for everybody to see this but, and hopefully it will scan right for me. Okay, so it scanned it. Alright, so it entered the numbers right in, I know it’s probably hard to read there, but it entered the numbers in. And then I, I just do ‘done’, and uh, I do ‘save’, and it looks like I’m ready to go now, right? So when I go in, ah, perfect. So now, when I use my Card star app, I go into the store, I buy my products like Jason was saying, and hopefully you can see this. It shows you the barcode of the, of the same kind of code here. So now, I don’t need to carry my card. I could still use this card, they say. Uh, and they say if, if I’m going to buy gasoline here, you can’t use this at the pump. But everything in the store, you just bring that in, scan it.

Jason Pinto: That was a great use of a QR code, um, on this piece. Uh, think about why do you want someone to scan a QR code? Well here, you want them to get the app on their phone. Rather than have them search for the app, type in the URL, all they had to do was scan it, it took them right to the app store, right to that app, and then they just had to push a button, so. Just a little inspiration as to a great reason to use a QR code.

John Foley: Alright, that’s great. Well, thanks, Jason. I hope you, everybody finds our story enlightening, how you can use QR codes, mobile cash payments, and all about the Smartphone and, and how things to come, right?

Jason Pinto: Absolutely, it’s here.

John Foley: Hope you have a great week.