Wearable technolgies

Pagaré #NFC #Payment Smartstraps for #Pebble #Smartwatches

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The coolest, easiest way to pay at millions of retailers using your Pebble smartwatch. Leave the phone behind. Just tap and go!

About this project

THE FUTURE OF PAYMENTS. NOW.

The Pagaré smartstrap allows you to make contactless payments at millions of retail locations using a Pebble smartwatch. Pagaré is the simplest, fastest and most secure way to pay. Pebble makes the best smartwatches money can buy. Together, they make an unbeatable combination that will open up an entirely new world of possibilities. So leave the wallet and phone behind, and let Pagaré empower you to move freely throughout your day.

SIMPLY TAP AND GO.

Contactless technology is not only cool, it makes payments a breeze. No need to hand over your card. No signing. No fumbling for cash. No pulling out your phone. No QR codes. Just hold Pagaré near the card reader to pay in seconds, using your existing credit or debit cards. It’s fast, easy and completely secure. Your time is valuable. Pagaré lets you get out of line and get on with your life.

MILLIONS OF PLACES TO PAY

Contactless payments are possible at over 9 million point of sale terminals worldwide. Below is just a small sample of retailers who will accept Pagaré.

SAFER THAN CASH, SAFER THAN CARDS

Pagaré has multiple layers of security to protect sensitive data. In addition to secure hardware, we leverage the same card network service as Apple Pay to replace your card number with a surrogate value called a token. This means we never need to store your credit card.

Pagaré is validated by independent security assessors, compliant to industry standards, and certified by each card network we support.
Pagaré is validated by independent security assessors, compliant to industry standards, and certified by each card network we support.

LEAVE THE PHONE AT HOME…

Once activated, Pagaré is a completely phone-free solution. In other words, you won’t need your mobile nearby in order to make payments. So, take a long jog or head out to the gym without needing to worry about having yet another piece of technology jangling around in your pocket.

…AND DITCH THE CHARGING CABLE, TOO

For added convenience, we’ve replaced the charging port with a USB connector hidden under the end of the strap. Never worry about leaving your cable behind again. Simply plug Pagaré directly into your computer or any other USB port to easily charge your Pebble smartwatch.

FUTURE PROOF

As technology evolves, so will Pagaré. New functionality will be released continually, ensuring that you can have the latest features as soon as they become available.

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Transit
Public transit is more convenient than ever with contactless technology. FitPay is currently working on integrating major transit authority systems into Pagaré’s framework.

Access Control
Pagaré sports a highly secure architecture that is ideal for access control in your home, at work, or even on the road. Leave your access card behind.

Ticketing
Never worry about forgetting the tickets on the kitchen table. FitPay is working to add ticket capabilities to Pagaré so you can always stay one step ahead of the crowd.

ELEGANT DESIGN

Your Pebble smartwatch is more than just a piece of technology, it’s a statement on who you are. It’s an extension of your life. That’s why Pagare was designed from the ground up to take you further, while still perfectly complementing your style. Special attention was paid to the thickness, comfort, materials and overall look, so you can still proudly show off your Pebble Time, Pebble Time Steel or Pebble Time Round smartwatch.

To attach Pagaré to your current Pebble Time, Pebble Time Steel or Pebble Time Round smartwatch, simply remove the existing straps using the quick-release pins, place the watch head over the back-plate and reconnect the pins. Pagaré can easily be installed in under 10 seconds.

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THE WORLD’S BEST SMARTWATCH JUST GOT BETTER

Putting it plainly, Pagaré pairs perfectly with Pebble smartwatches. The Pebble smartwatch was already an industry darling with best-in-class battery life, thousands of apps, cross-platform support, water-resistance, and an always-on screen with clear daylight visibility.

Pebble’s innovative smartstrap system made it possible to bring Pagaré’s game-changing new features to the Pebble Time family of products, enabling secure payments at millions of retails locations, and opening the door to opportunities in transit, ticketing and access control. In short, Pagaré makes your Pebble smartwatch more powerful than ever, for hundreds of dollars less than an entry-level Apple Watch.

The Pebble Time family of smartwatches feature:

  • Always-on, daylight readable color screen with a great backlight
  • Battery life measured in days, not hours
  • Pebble Health built-in step and sleep tracking
  • Pebble timeline calendar interface
  • Voice replies
  • Pebble Time and Time Steel smartwatches are water resistant.
  • Pebble Time Round smartwatch is splash resistant
  • Tactile buttons for easy eyes-free clicking
  • Silent vibrating alarms
  • Quick change bands
  • Language and international character support
  • Works with iOS 8 on iPhone 4s and above
  • Works with all Android 4.0+ phones including Samsung, HTC, Sony, LG, Google, Motorola, Xiaomi and more

SIMPLE TO MANAGE, SIMPLE TO USE

Add the free Pagaré app from the Pebble appstore, scan in your cards and you are ready to start making transactions. Keep an eye out for the contactless symbol at the point of sale, hold your wrist near the terminal to pay, and your transaction is complete!

Handling multiple cards is a snap. Pagaré can easily store every card in your wallet. When you are ready to pay, press the up or down buttons on your watch to cycle to the card you want to pay with. It’s instant.

Manage your cards with ease using the companion timeline app. Add new cards, enable or disable existing cards, delete cards, set a card to be the default whenever you pay, view your purchase history, and more!

Your security is our primary concern. To prevent unauthorized transactions, we have add two really cool technologies. First, a method for detecting if Pagaré is on your wrist; second, a personal PIN that prevents anyone but you from making payments with your watch. When you first put your watch on you will be asked to enter your PIN, activating the payment capabilities within. Take your watch off and it’s unusable for payments until you put it back on and re-authenticate.

PERFECT PARTNERS

Our goal was to make Pagaré nearly indistinguishable from a standard Pebble smartwatch strap. That is why we worked directly with Pebble’s suppliers to provide the same materials, colors and finish for the Pebble Time, Pebble Time Steel and Pebble Time Round smartwatches.

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Pagaré for Pebble Time Smartwatches
(Note: These straps are also compatible with Pebble Time Steel)

Pagaré for Pebble Time smartwatches come in three colors:

  • White water-resistant silicone with black back plate and USB cap
  • Black water-resistant  silicone with black back plate and USB cap
  • Red water-resistant silicone with black backplate and USB cap

Pagaré for Pebble Time Steel Smartwatches
(Note: These straps are also compatible with Pebble Time)

Pagaré for Pebble Time Steel smartwatches come in three colors:

  • Black leather with black backplate and USB cap
  • Red leather with black backplate and USB cap
  • Stone leather with black backplate and USB cap

Pagaré for Pebble Time Round Smartwatches (20mm)

Pagaré for Pebble Time Round Smartwatches come in two colors:

  • 20mm Black leather with black backplate and USB cap
  • 20mm Nubuck leather with black backplate and USB cap

CORE TECHNOLOGY

The secure element is the heart and soul of the Pagaré solution. Embedded under the watch head, the SE stores the tokenized card data after being digitized by the respective card network. To detect when Pagaré is on your wrist, a flexible PCB runs the length of the strap.

When the trapper is placed over the notch at the end of the USB connector, it activates the Pagaré app and asks for your personal PIN. This assures that you are the owner of the watch and gives you access to the payment capabilities. When the trapper is removed the authentication is lost, disabling the payment environment and protecting your data in the case of loss or theft. The watch becomes incapable of making payments without being on your wrist and authenticated with your PIN.

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A flexible NFC antenna is embedded in the top strap, making it quick and easy to perform contactless transactions at any terminal. Simply hold the top part of the strap near the terminal when you are ready to transact. The watch will buzz and a success message will flash across the screen.

SECURITY DETAILS

Pagaré has a wealth of security features to thwart even the most determined hacker. Starting with end-to-end encryption of all personally identifying information, Pagaré leverages the following technologies and adheres to the below certifying agencies:

SECURE ELEMENT A secure element (SE) is a tamper-resistant platform capable of securely hosting applications and their confidential and cryptographic data in accordance with the rules and security requirements set forth by a set of well-identified trusted authorities.

TOKENIZATION Pagaré utilizes tokenization, a process by which the primary account number (PAN) of your credit card is replaced with a surrogate value called a token. Pagaré uses the same card network tokenization scheme as Apple, Samsung and Android Pay, removing the need for Pagaré to ever store your credit card data.

PCI DDS LEVEL 1 COMPLIANT The Payment Card Industry Data Security Standard (PCI DSS) is a set of requirements designed to ensure that companies that process, store or transmit credit card information maintain a secure environment. Pagaré will be PCI Level 1 Compliant at launch. Companies that meet Level 1 must have yearly on-site reviews by an internal auditor, a network scan by an approved scanning vendor, and typically handle over 6 million Visa and Mastercard transactions processed per year.

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EMVCO COMPLIANT EMV — which stands for Europay, MasterCard and Visa — is a global standard for cards equipped with computer chips and the technology used to authenticate chip-card transactions. In the wake of numerous large-scale data breaches and increasing rates of counterfeit card fraud, U.S. card issuers are migrating to this new technology to protect consumers and reduce the costs of fraud. Pagaré adheres to EMV Level 1, which covers physical, electrical and transport level interfaces, and EMV Level 2, which covers payment application selection and credit financial transaction processing.

CARD NETWORK CERTIFIED Pagaré is independently certified with the major card networks. All software must be certified by payment brands to comply with proprietary EMV implementations such as Visa VSDC, and MasterCard MChip.

 PRODUCT DEVELOPMENT

Original bread board testing
Original bread board testing
Terminal tests being run
Terminal tests being run
First stab at miniaturization
First stab at miniaturization
First transaction
First transaction
First full prototypes
First full prototypes

MEET THE TEAM

FitPay is led by payment industry experts with more than 20 years of payment platform and identity authentication domain expertise. With deep, established relationships with all of the card networks, the FitPay team is well suited for the challenges of Pagaré.

In addition to our core team, we are working closely with our manufacturing partner, ConnecteDevice, as well as the team at Pebble.

TIMELINE

DISTINCTIONS


Support the project on Kickstarter

 

Raffaele Schiavullo
the authorRaffaele Schiavullo
ADMINISTRATOR - Senior 3D/Virtual Reality Specialist and Automotive HMI developer - Working in London and "insanely" passionate about technology and its creative applications