Reply to post: Since you mentioned plastic cards

Smartphones aren't tiny PCs, but that's how we use them in the West


Since you mentioned plastic cards

It seems the phone in this case is just being used to display a code. So there's actually nothing about this system that needs the customer to have anything electronic - it seems it would work just as well with the QR code printed on a plastic card.

I'm assuming here that the code is constant for a given account. Others seem to think it's a generated unique code for the transaction. The latter would be more secure, but the description in the article doesn't really make it clear which is actually the case.

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