The Galaxy S4 had fingerprint? How did that work, you took a photo of your fingerprint ?
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A Comprehensive Outline of the Security Behind Apple Pay
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The Galaxy S4 had fingerprint? How did that work, you took a photo of your fingerprint ?
I stand corrected. I was under the impression that NFC+Touch ID was the whole point.
Typo police. You got me. Should have read S5
The point is. The tech isn't new. Apple just does what it does best and markets the functionality massivly better than anyone else on the planet.
Does Samsung Galaxy S5 Authenticate Google wallet Payments using the Synaptic finger print sensor?
20 years ago, debit cards were already a hit in Europe.
Switch and Visa Delta were the standards in the UK. The cheque book was dying back then.
So the thief is using both hands to put on your watch, and you're just standing there?
Or are you helping him put on the watch, too?
Wrong.
It isn't valid unless signed.
http://www.creditcards.com/credit-card-news/sign-or-write-see-ID-1282.php
To be honest, a sig card is no security at all. If someone gets it and signs it, a retailer cannot force anyone to produce ID.
Apple Pay and Chip and PIN are better.
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They gave you a new card number, right? So why do you care that your old, unusable number is "floating around" out there?
Do you not realize that they can't open new credit under your name just because they stole your credit card information? Do you really think they can call up the bank, give them your credit card number, and then ask for your SSN?
Your impact was: $0.
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You're transferring your trust to Apple and then think that there won't be another leak or hack. That's foolish. Everyone thinks that something new is better. Your expectation is that the Apple system is either bulletproof or better yet you can't say why and no one knows for sure. Now when someone hacks Apple Pay, you get to replace ALL your cards. Have fun with that.
I've used a debit car in Canada since at least 92 to pay in stores (Interac), by 1995, even small convenience stores had it.
Wrong and wrong.
Your bias is blatantly obvious. You left out steps for Apple Pay to make it look easier when it's not.
Look at what you listed as steps for Apple Pay:
1. Tap your phone against a scanner
2. touch the Touch ID button.
And what you listed for credit cards:
1. getting out your wallet (or in a lady's case fumbling through a purse)
2. finding the credit card
3. swiping
4. putting it all back.
5. Entering of pin codes
Wow, you don't need to take out your phone? It's always in your hand everywhere you go? People don't keep phones in pockets and purses?
Finding the credit card. Wow. Smart people keep it in the most convenient sleeve and slide it out. I've never had to "find" my credit card in my wallet.
And you don't need to put back an iPhone once you've taken it out? You conveniently left out that step for Apple Pay to make it look better, right?
Oh, have you never used a credit card before? You don't enter in a PIN number. No one does that. You're thinking of debit cards and that's not what we're talking about. Nice try to make credit cards look so terribly complex.
So once we remove the steps you suspiciously only added to the credit card process, it becomes Apple Pay (tap against scanner then use TouchID) vs. credit card (swipe). Keep your 2 steps for Apple Pay. Remove steps 1, 2, 4, and 5 for credit cards (those are steps you need to do for both anyway, remember?). Now it's correctly 2 steps vs. 1 step. 2 > 1. Apple Pay requires more complexity. Not only that but you're holding a $650+ device that you're liable for if you drop it. Let me see you argue against that.
And, yes, you ARE transferring trust to Apple. Duh. Don't you send them your credit card info in the first place??? Did you completely forget that step??? Did you forget that your credit card company is STILL in the loop???
I know you love Apple but your clear bias makes everything you say moot. Next time try to hide it better and you might sound believable. Maybe...
Shouldn't matter if Apple got hacked.
Apple's not involved in the payments. Those are done by the usual payment networks.
And the tokens are stored by Mastercard, Visa, et al... not by Apple.
B. Apple getting hacked.
Apple is the high-profile player here so they're the prime target. All guns will be aimed there. Hackers want to be "the one" who takes down the big guy and gets in the news.
It's funny that everyone here bashes credit cards now and wants to jump ship to Apple's system because they think it's safer. This is a system that has yet to be deployed, folks. Credit cards aren't perfect but they've been around long enough for us to know the level of risk. Just because Apple has a shiny new system and describes its fancy process, it doesn't mean you're safer there (remember that you're scanning in your credit card information to give to Apple so there goes that).
Your safety is based on two key factors:
1. Lock strength
2. Potential for attack
You can have 10 deadbolt locks in Newark and be less safe than in an unlocked house in South Dakota.
All thieves' eyes will be on Apple Pay once it launches. Don't think you're suddenly safer.
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Then someone hacks Apple and you need to replace ALL your credit cards. That's better?
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You won't need to carry a wallet anymore? Don't you need to carry some form of ID with you? How about a driver's license or a metro/bus pass? No cash? No medical card? How about a student or work ID/card? How convenient will it be once you realize you need one of those things and you need to run home to get them?
Suddenly everyone says they have to carry a billion credit cards (why???) in their huge wallets (againwhy???) and Apple Pay will make everything better and safer.
Apple Pay doesn't store your credit card info on Apple's servers unless I am mistaken on their implementation.
Why would it matter if Apple got hacked? There's absolutely nothing you could do with that information.
I have to keep reminding myself that POS probably means "Point of Sale" when I see it in this thread.
Heh heh, I think you missed the whole point simply because you don't like Apple. Apple does not have the credit card information, so how do a security breach at Apple compromise our credit card information???
The card processing company are willing to charge Apple less than the normal "card present" processing fee because of the security features. It is the strongest endorsement that the industry can give to Apple pay.
Some in the industry think that it's also partly a bribe; that Apple might've threatened to get behind MCX or Isis.
As for charging Apple a lower fee, that only makes sense if Apple was a processor or the merchant. Which they claim not to be.
Likewise, the rumor about a universal kickback does not make sense to some observers, because if Apple isn't a middleman and they're not watching what we buy, how would they know how much our purchases were, in order to audit what the royalty should be? (Unless Apple Pay sends an anonymous amount back to Apple each time, so they can keep a running total for everyone.)
Some wonder if the rumor about a kickback to Apple, wasn't simply a lower fee for iTunes+TouchID purchases... not an actual royalty on every purchase that uses Apple Pay. That might set a bad precedent for other wallets.
There's a lot we obviously don't know. For example, who is in charge of the Secure Element? One thing that held back Google Wallet was carrier control of that. Have the carriers totally backed off in Apple's case? Is there some other deal with the carriers in place? And when there's an SE update, do the carriers still control that?
A consumer's financial impact is NOT $0. Do you not read? Let me re-quote myself:
Why do I care that my number is floating around? Because I had to get a new card number. And that is an inconvenience. Especially if it is being used by other services that have that number on file. All of the sudden I have regularly monthly services that fail charges because I didn't go into their system and change my credit card number.
No one is denying that the financial impact to consumers is $0 (which it really isn't exactly $0. Read above.) But if you truly believe there is no other impact, then why don't you "lose" your card one day. Then when fraudulent charges are made to it, call your credit card company, contest it, then get a new card. Then "lose" it again. After a year you'll have owed nothing, but would have had to replace your card several times. That is not "no impact." Plus your credit card would probably do things like raise APR or lower your credit limit because of too many fraudulent charges.
No one is saying it's bullet proof. Nothing is. But that doesn't mean it's not better. And AGAIN I have to re-quote myself: Apple doesn't store credit card numbers.
Been there.
After having my numbers stolen about four times over the past decade or so, and having to deal with the resulting annoyances, I started doing this:
- Use one card only for recurring services.
- Use one card only for on-line purchases.
- Use one card only for in-person purchases.
That way, if a card number used for purchases gets stolen, my recurring expenses don't get hit. And so forth.
Unfortunately, this need won't change anytime soon, since tokenized payments will likely only be a minor part of our life for a long while.