Retina eye scan and a DNA prick.
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NFC does not equal credit. You can use it for prepaid options as well. Metro tap cards are one example.
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Apple Deliberately Holding Back on Mobile Payment System
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Retina eye scan and a DNA prick.
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NFC does not equal credit. You can use it for prepaid options as well. Metro tap cards are one example.
How do Mastercard, Visa, Google and the Japanese people do it then ?
Maybe you're just ignorant of what is already out there using NFC technologies for payment. Apple better just stick to what exists, we don't need another VHS vs Beta, Blu-ray vs HD-DVD war in the mobile payment area. Why can't these things ever get ratified and standardised and launch with every vendor on-board ?
Always one to play lone wolf with a competing format, confusing the marketplace.
Just read another rumor, that claims it's highly unlikely that iPhone 5 will have the mobile payment system that Apple's working on.
If true, I'll be thrilled.
I have zero interest in it at this point, and would _avoid_ buying an iPhone with Apples implementation of NFC/MPS. I don't even need to know any of the specifics, it's simply a deal breaker for me.
If true, I'll be thrilled.
I have zero interest in it at this point, and would _avoid_ buying an iPhone with Apples implementation of NFC/MPS. I don't even need to know any of the specifics, it's simply a deal breaker for me.
There is also swipe and pin. And even swipe and no pin for small things like a cup of coffee (if the company chooses to take the risk of a chargeback).
There are also some places like Starbucks where you can load a prepay account via a phone app and just 'swipe' a barcode in front of a little scanner at the register. I even get a discount on my soy milk substitution and my vanilla syrup etc. it isn't any more effort than tapping a chip etc
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People do love to quote Apple out of context. And to forget that when they have said such things there was typically not tech even on the horizon to make any other choice. But then the tech changed and Apple changed with it.
Doing it that way, instead of using current and less capable tech just to say you did it, is innovative in many cases.
I love how they are able to change every "problem" into a good thing.
Missing a feature? Deliberate strategy.
You know, like MMS.
And copy & paste.
And a notification system.
And do-not-disturb mode.
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Missing a feature? Deliberate strategy.
You know, like MMS.
And copy & paste.
And a notification system.
And do-not-disturb mode.
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You cannot implement all necessary protocols by only using a barcode approach.
I'm just sick of seeing the same iPhone/Giants picture. Its been how many years now? That phone in the photo is a 3GS for crying out loud.
I like the way the Starbucks app works: I can reload it when I want to, quick scan at the register of the screen and I'm done. No risk for someone stealing the transmitted info.
I like the way the Starbucks app works: I can reload it when I want to, quick scan at the register of the screen and I'm done. No risk for someone stealing the transmitted info.
How do Mastercard, Visa, Google and the Japanese people do it then ?
Maybe you're just ignorant of what is already out there using NFC technologies for payment. Apple better just stick to what exists, we don't need another VHS vs Beta, Blu-ray vs HD-DVD war in the mobile payment area. Why can't these things ever get ratified and standardised and launch with every vendor on-board ?
Always one to play lone wolf with a competing format, confusing the marketplace.
You mean like the adoption of a micro-B USB charging cable for phones?
As a Starbucks employee, let me tell a lot of us hate the phone apps. Half the time the phone freezes or the customer can't figure out how to work it. Plus we aren't allowed to touch the phones (understandable, not complaining about that) so if we aren't on the right register (one that has a detachable scanner) we have to track someone down who is. To me the technology still needs some work, right now it causes more headaches than its worth.
They're available in Japan but adoption is nowhere near what cvaldes think it is.
I've posted in the past that while there's tons of NFC capable phones in Japan, I've yet to see one used.
While the stats in the first post here are from 2009, you can still see that with 5 years of reliability and 50 million phones, the adoption rate is pretty bad.
Your Visa should be payWave, not paypass, I think. Competing vendor, same technology.
iBank
This is probably more realistic than you might think. I work in the Payments industry and I can say that the established banks consider this sort of new entrant (Google/Apple) as a serious threat.
Swipe and pin makes sense for speed I guess. I'm not sure what you meant by "tapping a chip" though, maybe you think chip and pin is something else?
In the UK you have the pin terminal in front of you - your card has a chip on the front, you insert it into the reader, the cashier enters the amount and you enter your pin to pay. Part of it was to stop people forging signatures which was so easy it was ridiculous - anyone could pick up anyones card and just scribble - most don't even check the signatures or wouldn't have the bottle to say it doesn't match anyway. But it was also to stop the cashier ever handling the card which stopped the fraud from their site - with card cloners etc
I suppose swiping and entering your pin if you have the terminal in front of you covers both methods however there is a security reason the UK decided to invest millions using the chips in the cards rather than just making use of the magnetic strips that have always been there for decades.
HA! Yeah I've noticed that. Some locations it's fine (probably because people in the area use them more) others I get a blank stare of a groan. The whole QRcode scanning just seems like a temporary tech until a better method (NFC or something else) is fully adopted.
It's the software, stupid
Apple likes to think out the utility to the user and get it just right. Just like the Sony camera in the 4S, it's an excellent camera, but it is the software that makes it sing: the face detection, the auto focus, the tap to select the focus and exposure zone, the HDR feature. Just having a near field chip is nothing, making it useful, friendly and safe is what will make it sing.
Take your time Apple and bring out a blockbuster function.
Apple likes to think out the utility to the user and get it just right. Just like the Sony camera in the 4S, it's an excellent camera, but it is the software that makes it sing: the face detection, the auto focus, the tap to select the focus and exposure zone, the HDR feature. Just having a near field chip is nothing, making it useful, friendly and safe is what will make it sing.
Take your time Apple and bring out a blockbuster function.
I hope Apple doesn't get into stuff like that. As much as I like the company, I don't want them garnering such monopolies over such basic aspects of our life. There needs to be variety and competition.
I'm very open minded to advancing technologies, and change. Yet Apple is bordering on far too powerful & influential now.
There's no question that NFC will be a part of our future, but I'd prefer to see Apple arrange a strategic partnership with an existing financial institution like VISA. That alliance would be more reasonable with fees, than if Apple goes it alone and establishes Apple Financial.
If they have control over every aspect of the transaction, we'll pay more since Apples marketing genius will sell "the convenience" and just like people pay more at a convenience store, those who lack impulse control will rack up obscene amounts of debt.
Once Apple does decide to build NFC into iOS, if the phone is "NFC enabled" where activation and billing is handled by VISA (just an example) then I'd have no objection.
But knowing Apple, my bet is they setup everything so they have complete control and profit from each transaction. Another closed proprietary system. The benefit to Apple is just too profitable for them to partner with any financial institution.
The Banks & Agencies like VISA M/C et al, know this and that's precisely why they are very worried. Apples clout is not to be underestimated.
Presently the wind is at their back, they have incredible momentum, and by all outward appearances they seem unstoppable.
Very...very worrisome.
There's no question that NFC will be a part of our future, but I'd prefer to see Apple arrange a strategic partnership with an existing financial institution like VISA. That alliance would be more reasonable with fees, than if Apple goes it alone and establishes Apple Financial.
If they have control over every aspect of the transaction, we'll pay more since Apples marketing genius will sell "the convenience" and just like people pay more at a convenience store, those who lack impulse control will rack up obscene amounts of debt.
Once Apple does decide to build NFC into iOS, if the phone is "NFC enabled" where activation and billing is handled by VISA (just an example) then I'd have no objection.
But knowing Apple, my bet is they setup everything so they have complete control and profit from each transaction. Another closed proprietary system. The benefit to Apple is just too profitable for them to partner with any financial institution.
The Banks & Agencies like VISA M/C et al, know this and that's precisely why they are very worried. Apples clout is not to be underestimated.
Presently the wind is at their back, they have incredible momentum, and by all outward appearances they seem unstoppable.
Very...very worrisome.
This is where the problem lies in the Apple, they don't work on time, and when some other company takes the lead, they will then go for court cases and legal actions against them for stealing their technology.
Apple should be careful about these things. Instead they should just release their stuff and not to wait long enough before some other company gets a hint of their Mobile Payment System idea and implement it before them.
:Finger Crossed:
Apple should be careful about these things. Instead they should just release their stuff and not to wait long enough before some other company gets a hint of their Mobile Payment System idea and implement it before them.
:Finger Crossed:
No doubt your right. But i think it's part of their advertisement, probably the reason why other company might know about it. Similarly mobile payments are type of the next big thing in consumer finance. A group of main retailers have announced a new program using a cell phone app, called the Merchant Customer Exchange. The program is part of a partnership by Walmart, Best Buy and other retailers. Indeed, Merchant Customer Exchange mobile payment system is coming soon.
