Agreed, I'm very excited apple implemented NFC and at this point it seems anywhere they accept apple pay, google wallet will work too
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Apple Announces 'Apple Pay' Mobile Payment Solution, Enabled at Over 220,000 U.S. Merchants
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Agreed, I'm very excited apple implemented NFC and at this point it seems anywhere they accept apple pay, google wallet will work too
So why would it be expected that Apple Pay will succeed, since it's the same infrastructure?
Apples timing is better, emv deadline approaching means many vendors are buying new terminals(talking USA), most of which support NFC. Apple also has more push and significance.
Not invented, just misinterpreted.
In the keynote Tim said "Our vision is to replace this", referring to a wallet.
I don't know about anywhere else, but here at least that vision is unrealistic.
I still don't understand why it is considered easier to pull out your phone, load Passbook, select the payments screen, select your card, and then tap while activating TouchID. If you had a contactless card or a phone with a Paywave sticker on it, you could just wave it over the terminal and achieve the same thing.
Yes, the TouchID adds an element of security if the phone/card is stolen, but its not really worth the hassle - in the UK the banks take on liability for any fraudlenet contactless payments.
http://youtu.be/9yzbjAyh0DE
Yes, the TouchID adds an element of security if the phone/card is stolen, but its not really worth the hassle - in the UK the banks take on liability for any fraudlenet contactless payments.
http://youtu.be/9yzbjAyh0DE
You dont have to do that. You just point the top of your phone at the terminal and touch the touchid.
But Wallet will also be taking advantage of those.
How does this compare to Chip and Pin security wise?
Source? There's no credible source out there that says nfc payments are being used all over the world except the US.
I'm still trying to understand all of this security wise
One security feature with Google Wallet is if you did lose your phone you can login into your Google Wallet account through a computer and disable the app on the phone AND remove all of the cards from the Google Wallet account.
Indeed
I think apple avoids that problem entirely by by having a 'device specific wallet' - I don't believe there is an apple pay account to even log into on the computer.
I believe google wallet formerly used a similar method before they switched to host card emulation, which brought the cloud/web support (and tracking implications). I've read google wallet is really a losing proposition, they are losing a spread in processing in return for data. I do not believe they make money on fees like apple's implementation.
I don't need a source. I've been using NFC payments at least on a weekly basis for the last year or so. McDonalds has it. Subway has it. M&S have it. Many banks and cash machines have it. Many other stores have it. Many don't, but the adoption has certainly been increasing.
Not to mention Chip + Pin is based on NFC technology, something that every debit card user in the UK has been using since 2004.
If you don't want to believe me and want to believe that Apple is on the very cutting edge of this technology, then fine.
You do need a source if you're going to claim its taking off everywhere except the US. Guess what? The US has it at mcdonalds, starbucks, cvs, walmart, every gas station ive been too and target among others.
Ive never seen one person use it. I've had nfc on my phone for two years and I've never used it for payments once. This doesn't mean no one uses it, but it's not widespread. There's always some european who posts that the US is lagging in nfc payment usage but they never have any real proof that it's being used anywhere else either.
I want to be proven wrong, but not buying that the entire civilized world is using nfc all day every day, and the US isn't...
From what I understand some payment systems still store some customer data online ( Such as Google Wallet ) which is hackable. ApplePay still needs the customers physical phone to complete the transaction which is securely stored and activated by TouchID.
Because they already have Airdrop & iBeacon. For anything other then payments iBeacon can do everything that NFC can do and more. Apple is primarily interested in NFC is for payments.
Because you have no source. You are trying to make it sound like Apples behind the rest of the world, when the world is not really using it either. Besides, the what, maybe 5 countries that it is widespread? Chip & Pin is NOT based on NFC technology. It is simply a way to activate it.
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Well, NFC adoption rate in Japan is way ahead of all these other countries and is also the country where the iPhone has the biggest market share, and still this won't be rolled out here first. I guess it has to do with Apple being a company based in the US.
Carriers have blocked google wallet for years, only Nexus devices were able to use it. Hence why you don't really see it. If the carriers got out of the way you would have seen it by now.
True. But still no one seems to be able to provide any proof that it's being used elsewhere. We just keep hearing the same spiel about how far behind the US is.
If nfc payments were so widespread there would be proof of it. I've found none, and no one has convinced me otherwise.
Apple will bring it to the mainstream. It's not there yet. But again, a source would do wonders for everyone making these anecdotal claims.
Seems you answered your own question. With a more secure payment option would be less fraud, which saves banks money...which in turn could reduce merchant fees.
1. Touch ID
2. Doesn't send each transaction to the database of the world's largest advertising company. Something that some of us value quite a lot.
Indeed, Apple pay brings convenience to iPhone 6 users. Let us just hope security isn't compromised.
That was my first thought as well, when I saw him say he wanted to replace the wallet.
I thought, "This is great! Apple must have talked all the states into accepting digital driver's licenses!!"
Alas, no. My wallet remains necessary.
This. In spades.
The major carriers (with the exception of Sprint) were blocking anything that didn't support their own Isis payment plan.
In particular, they wanted to keep control of the Secure Element, which Google finally got around recently by implementing an SE in the cloud instead.
In the meantime, Apple is using the same old device based SE that Google Wallet used at first, so it makes you wonder if any carrier would dare to block them as well. (Apple is even using the same SE management company that Google used to use... First Data.)
Isis wasn't the only blockade. A group of merchants decided they wanted to come up with their own barcode based scheme called MCX (Merchant Customer Exchange). This included Best Buy and 7-11, who deliberately turned off their NFC readers this past March.
Hopefully now with Apple throwing in their hat, these others will give up and stop blocking NFC payments.
No, it just sends it to the world's most penetrable cloud! Lol jk I know the issues surrounding that.
The pedantry! It's killing me
True. You seem to be a cornucopia of information on these forums. Is there any proof that NFC has taken off in countries that don't have these carrier blockades?
I'm not talking availability of the method, because the US has NFC terminals everywhere.
I'm talking actual usage. It's a tough pill to swallow that the entire galaxy (exaggeration, put away the pedantic) is using nfc to pay and the US lagging so far behind.
Any source that it's being actually used? I think if you can't find one, no one can, and it's all just useless anecdotes.