I don't want to have an app installed just for that. I'd prefer to do it over the web or contactless/dedicated smartcard system, by far. Not to mention it lock

I don't want to have an app installed just for that. I'd prefer to do it over the web or contactless/dedicated smartcard system, by far. Not to mention it locks out anything that isn't Android or iOS compatible. It's a niche market, but even Android was basically devoid of apps at one point because everyone was targeting the iPhone.