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Figure 1 shows the technical architecture for an open loop payment and its interaction with Google Pay:
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The following are definitions for each part of the technical architecture.
Mobile devices powered by Android OS allow users to securely add their cards to Google Pay. Google Pay facilitates the process of tokenization, which is when payment networks tokenize the card and add a device-specific token on the mobile device. For more information about tokenization, see How payments work.
Google Pay is compatible with the majority of modern Android devices across multiple manufacturers and form factors. For minimum requirements, see Prerequisites.
Google Architecture Software
Transit readers are typically card readers at a transit station or bus entry point. The transit readers and terminals receive a payment credential from Google Pay in the same way that they receive a payment credential from a physical, contactless credit or debit card. To accept contactless payments, the transit reader must be compliant with EMV protocol. For more information, see Basic functionality requirements.
In order for the readers to become compliant and support mobile EMV payments, they might need software upgrades. For more information about the Google requirements for EMV tags, see Basic functionality requirements.
For readers that are offline or without a reliable high-speed internet connection, the transit operations are required to enable offline device authentication (ODA). For minimum requirements, see Prerequisites.
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