This is well beyond just NFC. Yes, it is annoying how blind SOME people are!
Yes. And it isn't me if you actually think that.
This is well beyond just NFC. Yes, it is annoying how blind SOME people are!
I read through this but missed the core facts that show they are not basically the same (Google Wallet, ISIS/Soft Card or ApplePay). The funny thing is, I believe, that most iPhone users use them because they are cool and simple (which many of my iPhone friends have told me directly) and by your statement, the ppl that find it cool don't won't really care about the intricate details of how it's transmitted which raises the question again, how is it more than NFC?
Apple seems to have hoodwinked the public, making it seem as though they got all these merchants on board with Apple Pay and not that they are using existing infrastructure. I thought the commentary was funny when they announced Whole Foods and the crowd cheered, but they've had NFC terminals for several years around here.
It is more than NFC because ApplePay is more than its technological infrastructure. No one is arguing it uses some super-technology NFC, or something that outdoes NFC on a strictly technological level. The point is that the efforts behind and the effects of ApplePay are going to go beyond the technology. The "ApplePay team," or whatever it is internally called, is more than programmers and engineers. It is designers and lawyers and former retailers (and others) whose goal is to produceas in, make into producta new payment system. The overall system is the product.
A fully implemented payment system is more than its technology. ApplePay is more than NFC.
Now, there will be those who run around and go on about ApplePay being some magical new paradigm. I'm not with them. Everything we buy includes the cost of development, advertising, legal fees, and whatnot. ApplePay is not unique for being a system that extends beyond its technology.
I just agree that what makes this so cool and promising is not merely the NFC. It's the fact that Apple is poised to actually make it happen. That's somethin'.
I don't think the rest of the world need this Apple feature because we already use it in other forms.That's 220,000 U.S and less elsewhere...
Thank you very much Apple for your service.
We outsiders don't matter, and never do, even though we also use the same products, but we never see a mention.
I wonder if this is any relation to the U.S not having 'chip'n'pin' yet.
It is still not more than NFC, it is just a big player adopting it, nothing more.
Only good thing it is that because his presence in USA it will speed up the adoption but the technology, infrastructure and work is exactly the same
I don't think the rest of the world need this Apple feature because we already use it in other forms.
I'm not American, but I know about the US banking system because I used to work in it. The US will skip chip and pin. The original deadline for this was 2010 but that passed without notice. The banking system is too complicated to get widespread adoption.
I'm not sure NFC will get widespread adoption either if it depends on an iPhone to be used. There are many more Android phones out there. However, once enough terminals are in place, the banks will probably start issuing cards with NFC chips. This is much easier to implement than chip and pin.
I just want to say that NFC still sucks. Also, by requiring TouchID, they've ensured that everyone who is security conscious will never use Apple Pay. Analog unchangeable keys is something criminals and governments get wet over, not people who care about their security.
Note, though, there IS arguably a privacy disadvantage to Google's method, this is by design and provides valuable marketing data as well as transaction history to the customer - this is neither a pro nor con for Google - Google tracks more personal identifying data but that's also why Google services are so darn good at understanding your needs.
Are you in the US? Because of the cost to implement, American banks flat out refused to start chip and pin ten years ago when the deadline from Visa and MC to get chip and pin was 2010.The US is not "skipping" "chip and PIN" - we're getting EMV in the US, far later than back in the UK, though chip and signature will likely be far more prevalent than chip and PIN unfortunately (because banks fear Americans have too many cards to remember PINs on all of them)
Are you in the US? Because of the cost to implement, American banks flat out refused to start chip and pin ten years ago when the deadline from Visa and MC to get chip and pin was 2010.
When the US gets chip and pin, the rest of the world will be onto a new technology because chip and pin will be easily hacked.
Yes, I live in the States. The deadline for the US isn't and wasn't 2010, it is 2015. Back in England, the deadline was 2007... different countries had different deadlines.
Also, the deadline is for EMV, not chip and PIN. Chip and signature is available in Britain for people with memory difficulties. I guess all Americans are considered disabled by the banks.
It is still not more than NFC, it is just a big player adopting it, nothing more.
Only good thing it is that because his presence in USA it will speed up the adoption but the technology, infrastructure and work is exactly the same
Correct, it is now late-2015. However, ten years ago, the deadline for North America was 2010, but US banks couldn't handle that, as we know. For a first-world country, automated banking in the US is pretty behind the rest of the world. I know this because I worked in banking and worked on this project.
Outside of the US, my credit card rarely leaves my wallet or hands, because I do all of the transaction - even in a restaurant with wireless portable pin terminals.
I finally understand how it is more than NFC. It is because it includes rainbows, sunflowers and unicorns.
About ten years ago, American banks refused to even look at chip and pin because of various reasons (cost, can't remember four numbers, etc.). So they did nothing to reach the first deadline date. US banks did not want chip and pin.Of course, the US is backwards and will be even with EMV due to the signature popularity. However, what your CLAIM was was that the US would skip EMV. That isn't happening, and there's nothing to skip TO - EMV is the framework for the future of contactless, mobile, etc. It has to happen.
My BlackBerry has been able to do this for ages. My Windows Phone could also do it. NFC has been about for time. Welcome to like three years ago Apple.
(I say this because I'm actually disappointed Apple took so damn long with NFC. Everybody else beat them to the punch.)
It should hopefully take off now though.
It took off ages ago. I've been paying with NFC for a good couple of years now. Granted, plenty stores don't have it, but many do and also banks and cash machines are built with them built in.
As I said, I don't know what took Apple so long. The rest of the world already had this solution ages ago.
My BlackBerry has been able to do this for ages. My Windows Phone could also do it. NFC has been about for time. Welcome to like three years ago Apple.
(I say this because I'm actually disappointed Apple took so damn long with NFC. Everybody else beat them to the punch.)
Its not who does it first, but who does it better. All we have to do is look at Google Wallet to find that out why it failed. The first step for Apple was security with its TouchID. It takes a lot more then just NFC to make a good payment system.
Its not who does it first, but who does it better. All we have to do is look at Google Wallet to find that out why it failed. The first step for Apple was security with its TouchID. It takes a lot more then just NFC to make a good payment system.
But other than TouchID (which is a password replacement and is something that I personally don't find anymore secure than a password), there is nothing I can see about Apple Pay that is any different to using NFC payments on my BlackBerry. Nothing. It works exactly the same way.
Apple didn't even expand on what else their NFC can do other than mobile payments. The possibilities of NFC are endless, it can do anything from auto pair bluetooth devices, to local file transfer, to changing device settings. Is their NFC the full thing or is it restricted down to just one function like their iOS bluetooth drivers are?
Since fingerprints don't interest me (not with the friends I have), what exactly have Apple done that is different from the rest of the industry that has been doing this for years?