Android Pay and Google Wallet Have Merged to Become 'Google Pay'

[prasand]

Indeed the US is slow to adopt new technologies, but RFID itself is an American invention. Other countries saw it from the outside in how beneficial it was and adopted that American tech faster than Americans. But it debuted in New York’s Port Authority bus terminal in 1971.

And then it took 20 years for a system that debuted in Port Authority to begin to gain traction by that same New York Port Authority because of public fears (aka E-ZPass in 1991, with wide-adoption by 1997). Prior, the American government tried many strategies in cooperation with other countries, to get social adoption. But Americans are apprehensive to a paranoid degree, about tech that can track them, which created the need for NFC. But even with the advent of short range-limiters (near-field communications / NFC), the fear was already there for Americans (the damage was already done). It will take some time for the bias to dilute, and it’ll probably be the younger generation to do it.

Unfortunately Americans are too fearful and much slower to accept change than much of the world. I wouldn’t be surprised if most of the people that complain about dongles, are American.

— signed, a well-traveled New Yorker (born and bred).

 

[v0lume4]

You left out Garmin Pay.

How could I forget Garmin Pay?!

 

[Iconoclysm]

Except for the fact I totally did

No, you didn't. As far as you know it was the same but that's because you're completely ignorant to the differences.
[doublepost=1515607249][/doublepost]

Hmm... no.

BlackBerry had HFC payments, for Visa and Mastercard in 2013, before Apple Pay.

Token based payments ( of any kind ) were around before Apple Pay. Not an Apple invention. It is used also for Tap and Pay.

You mean NFC. NFC is just the endpoint technology to scan the card. Token based payment isn't new, no. Taking your NFC payment device and inserting your SERVICE in the middle is what Apple was the first of these companies to do. Apple became a payment processor, they are insuring the purchases and providing the security to the banks. That's why you can't just slap any credit card in Apple Pay, it needs approval from the banks. Get a clue.
[doublepost=1515607510][/doublepost]

Apple Pay is not a payment processor, nor does it guarantee purchases.

Instead of bashing that poster, it sounds like you should first learn yourself how AP works.

Apple Pay provides the insurance and guarantees by leveraging other payment processors as a back end. Instead of trying to get pedantic, you should be correcting these posters who are blatantly wrong in their assumptions about what Apple Pay is and does.

 

[kdarling]

You mean NFC. NFC is just the endpoint technology to scan the card. Token based payment isn't new, no. Taking your NFC payment device and inserting your SERVICE in the middle is what Apple was the first of these companies to do. Apple became a payment processor, they are insuring the purchases and providing the security to the banks. That's why you can't just slap any credit card in Apple Pay, it needs approval from the banks. Get a clue.

Again, you are utterly wrong about Apple being a payment insurer or processor. Not sure where you even got such ideas.

As Apple points out in their developer documentation, you must "Set up an account with a payment processor or gateway, if you don’t already have one. "

Apple Pay provides the insurance and guarantees by leveraging other payment processors as a back end. Instead of trying to get pedantic, you should be correcting these posters who are blatantly wrong in their assumptions about what Apple Pay is and does.

1. Apple Pay in its contactless form is nothing more than a standard emulation of a contactless card... the same as Google Pay, Samsung Pay, or other EMV compliant contactless payment systems. The NFC payment part is done by Java applets in the Secure Element, and it's quite possible that those were written by the credit card companies as usual. The only phone vendor specific part is providing a user validation flag from either the passcode or biometric id.

It has NO idea what processors or other backend system it's talking to. It does not even know that it's using a token. Heck, a bank could assign the actual non-token account number and it would still work just fine.

2. The reason why you have to get bank support is because of Apple's greed, nothing else. Apple could've easily made it so that banks could register themselves.

But Apple decided to make money by selling access to its customers as a product to any bank that wanted to be included. Unlike all other payment charges in the purchase chain, Apple's own percentage charge is for doing absolutely nothing during a transaction other than ransoming access to that customer's hardware.

 

[Stella]

The end user wouldn't know the difference between Blackberry, Apple, Google.

Yea - and I know what NFC is.


The end user wouldn't care as long as you can pay by cell phone by tapping( i.e., NFC ).

The end user doesn't care about implementation, as long as its known to be secure. The end result is the same - paying by 'tapping' a cell phone against a payment terminal.

My Point ( because you've missed it ): Blackberry had NFC / contactless payments before ApplePay ( the implementation doesn't matter). People on these forum claiming Apple was the First, which is incorrect.

No, you didn't. As far as you know it was the same but that's because you're completely ignorant to the differences.
[doublepost=1515607249][/doublepost]

You mean NFC. NFC is just the endpoint technology to scan the card. Token based payment isn't new, no. Taking your NFC payment device and inserting your SERVICE in the middle is what Apple was the first of these companies to do. Apple became a payment processor, they are insuring the purchases and providing the security to the banks. That's why you can't just slap any credit card in Apple Pay, it needs approval from the banks. Get a clue.
[doublepost=1515607510][/doublepost]

Apple Pay provides the insurance and guarantees by leveraging other payment processors as a back end. Instead of trying to get pedantic, you should be correcting these posters who are blatantly wrong in their assumptions about what Apple Pay is and does.

 

[fairuz]

Unfortunately Americans are too fearful and much slower to accept change than much of the world. I wouldn’t be surprised if most of the people that complain about dongles, are American.

— signed, a well-traveled New Yorker (born and bred).

About half the country voted for plenty of change at the last presidential election. Obviously they aren't afraid of it.

Nobody is afraid of NFC either. The reason it's not adopted is not enough people care or even know what it is. That and the government always lags heavily when it comes to tech. And dongles are nothing new; nobody likes them, but they're necessary during transition periods.

If you look at Europe, they're easily more paranoid about tracking, especially Germany. Their laws reflect it. Americans don't care. They all use Facebook while they say how evil it is.

 

[aconnell11]

No, you didn't. As far as you know it was the same but that's because you're completely ignorant to the differences.
[doublepost=1515607249][/doublepost]

You mean NFC. NFC is just the endpoint technology to scan the card. Token based payment isn't new, no. Taking your NFC payment device and inserting your SERVICE in the middle is what Apple was the first of these companies to do. Apple became a payment processor, they are insuring the purchases and providing the security to the banks. That's why you can't just slap any credit card in Apple Pay, it needs approval from the banks. Get a clue.
[doublepost=1515607510][/doublepost]

Apple Pay provides the insurance and guarantees by leveraging other payment processors as a back end. Instead of trying to get pedantic, you should be correcting these posters who are blatantly wrong in their assumptions about what Apple Pay is and does.

Little aggressive over all this, no?

 

[prasand]

About half the country voted for plenty of change at the last presidential election. Obviously they aren't afraid of it.

Nobody is afraid of NFC either. The reason it's not adopted is not enough people care or even know what it is. That and the government always lags heavily when it comes to tech. And dongles are nothing new; nobody likes them, but they're necessary during transition periods.

If you look at Europe, they're easily more paranoid about tracking, especially Germany. Their laws reflect it. Americans don't care. They all use Facebook while they say how evil it is.

@ Vote ... lol, yeah.

But voting for change, does not negate the actual fear of change. Because voting is an action occurring before the reality of it. Granted, “apprehension” for many invokes much anxiety, and we can even say that in many cases the anxiety of something can be worse than the reality of it. Regardless, “voting for change” is like thinking that skydiving is a good idea, and maybe even deciding to go. The true fear usually occurs right before getting on the plane, not during the vote.

That being said, yes, many countries fear being tracked more. And I personally understand the Germany thing as I was recently there and noticed that by default those I was visiting has GPS turned off on their phones. To which my reaction was, “you kill much of the convenience and benefits by disabling GPS.” But their fear / worry trumped such ideas of benefits, so indeed you are valid in that. However, the difference exists in the economy. In a Production inclined economy versus a Consumer economy, people inherently are prone to think in a manner that benefits business, rather consuming. Something which eases the process for customers would be more readily accepted. But that is moot, because of the fact that most countries socially rejected RFID, which is why the government worked with others to create a strategy for acceptance because it was actually a general problem. So being tracked was actually a general issue.

But in the US that perception lingers. There’s a reason why Americans still have so many guns, as socially fear lingers here like trauma (it occurs in many other places too, in warring countries this is common). But the lingering trauma is why we still have “Castle Laws” aka the legal right to kill someone if we are protecting our land. Such antiquated rights exist because fears socially linger here readily.

Most people here have no idea what the difference between RFID and NFC is. They think it’s one and the same. Perhaps we could say that in Germany where they are more paranoid about being tracked, they understood the nuance of regular RFID versus NFC, because they looked at it more closely, because they were interested. To which I would agree, and state that they were interested because they could see the benefit.

Similarly, perhaps we could say that because Americans didn’t care, they didn’t care to learn the difference. Which I could also see the validity to. But we could also say, that because of fear, socially we lumped everything together. It’s akin to not caring to learn the difference between people of a similar race. Fear tends to be inclusive and closed-minded. Being open to variation actually proves a degree of lesser fear (in the case of Germany). — Are we truly indifferent, or is there something fundamental? Is it because as consumers we don’t care about tech that benefits business, or us?

It’s a matter of perspective.

Where research is necessary, which leads me to what I could have just said to begin with: I’m in the industry on the manufacturing and development end, and have been since before NFC was even created. I have personally asked thousands of older people why they don’t use NFC, and the primary answer was: they don’t want to be tracked. When I tried to clarify the difference, they were uninterested / dismissive. The younger generations have no such fear, but the disinterest is driven by those with such fears.