Nonsense. Apple "infrastructure" is not used when the app uses NFC chip. I understand that AAPL shareholders would prefer Apple charged the apps for use of every chip in iPhone. Luckily, it's not going to happen.
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Apple is Opening Up the iPhone's NFC Chip: What You Need to Know
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As someone who is technical (I'm a software engineer by profession) I see a lot of commenting and opinions that are based on non-technical assumptions which are wrong or un-informed.
Apple Pay isn't something that's a simple thing to provide. The complexity of it is in the weight of responsibility that is required by it.
For it to be a truely secure system there has to be the maximum lock down. The secure enclave being just one part of that lock down. Which is why it isn't just anyone with an App Store connect account who's being allowed access to it.
Then there's the cost, and there is an on going cost to Apple in providing it, which makes your TV analogy just plain wrong.
It costs Samsung nothing/Zero for you to watch Netflix on your Samsung TV.
It costs Apple to provide Apple pay in server infrastructure, human cost in maintenance, on going development, legal, support, etc, etc.
The banks dont just want the 0.15% clawed back. Apple Pay obscures your credit card number and details meaning the retailers can't track you. Which is why there was resistance to it (Australia) when it launched.
What is it that anyone thinks we, the end users who buy iPhones, need that opening up the NFC and secure enclave is going to give us other than less security?
I’ve used Apple Pay numerous times at places like Wendy’s where it just fails or it’s so slow that you think it messed up and then in attempting to correct you then messed it up. When something fails you tend not to want to bother again, especially when the alternative is just as fast or faster and virtually never fails.
If it's UniFi Access, it uses Bluetooth and the sensor for the door uses the signal strength to determine how close the phone is.
You seem to be right; I checked my welcome email and it specifically states that it uses bluetooth.
NFC has been open for years (iOS 13). Apple even showed employees opening doors with their phones and watches during a WWDC keynote several years ago. Basically, anything NFC except payment cards has been doable. This add payment cards to the list and likely in a way that will be detrimental to user experience. But the banks and merchants will like it.
ETA: not exactly what I was referring to but a 30 second net search gave me this - https://support.apple.com/en-bh/gui...g hotels, you can,Apple Wallet on your iPhone. That is talking about adding home, hotel, and vehicle keys to wallet - all NFC. Company access cards would be be much (if any) different.
All of those require Apple’s blessing to be added into the Apple wallet. It’s not like anybody can make an app and put a card in there.
I have about 2 dozen in mine, so it’s not like it’s too difficult. Plus I regularly get tickets etc.
Apple Pay is accepted anywhere. Using the nfc chip to machine doesn’t qchange. It’s the app you need to use on device.
I don’t want to have to open a banking to get to my wallet and card, but then another banking app for their card because they want to do it separately.
People say they like this Idea but they are gonna hate it and they are going to blame Apple for it.
imagine if this was a physical transaction and you had to carry a different wallet for every store or venue you went into.
The only people that are really happy about this are the retailers. Now they can force you into their application hit you with all kinds of ads to add stuff to your cart before you check out ("sign up for this trial of Walmart+") they will design the ignore button so small that you will almost not be ale to to check out without their add-ons. they can track your interactions and your spending and send you targeted ads because they know everything about you since you have to log into their app to use it, all while selling your habit and shopping data into to others. Talk about a data grab. Ladies could you imagine starting to get emails about diapers, and maternity dresses, because you didn't buy tampons this month? since Walmart knows your buying habits they know what to expect. In states that have bans on certain medical proceedings image the state getting ahold of data like that which they can buy from stores because store will sell it, and knocking on your door because you weren't pregnant at all you just caught a sale at a different store once, now someone thinks something else happened to the baby and you get a visit from the law.
I know 1 thing for certain and 2 things for sure, giving retailers more data on consumers have always come at a huge cost to the consumer.
imagine if this was a physical transaction and you had to carry a different wallet for every store or venue you went into.
The only people that are really happy about this are the retailers. Now they can force you into their application hit you with all kinds of ads to add stuff to your cart before you check out ("sign up for this trial of Walmart+") they will design the ignore button so small that you will almost not be ale to to check out without their add-ons. they can track your interactions and your spending and send you targeted ads because they know everything about you since you have to log into their app to use it, all while selling your habit and shopping data into to others. Talk about a data grab. Ladies could you imagine starting to get emails about diapers, and maternity dresses, because you didn't buy tampons this month? since Walmart knows your buying habits they know what to expect. In states that have bans on certain medical proceedings image the state getting ahold of data like that which they can buy from stores because store will sell it, and knocking on your door because you weren't pregnant at all you just caught a sale at a different store once, now someone thinks something else happened to the baby and you get a visit from the law.
I know 1 thing for certain and 2 things for sure, giving retailers more data on consumers have always come at a huge cost to the consumer.
Here’s what you said:
“Some people want to steal money from Apple”
You may or may not want to detail where or how the “stealing” comes into play, but I’m going to say this:
- Using QR codes instead of NFC/Apple Pay for payment transactions does not “steal” from Apple. It’s using an alternative.
- Neither does using an iPhone’s NFC transmitter without paying commission to Apple.
- Neither does subscribing to a Spotify subscription or buying Epic in-game content in-app without paying Apple commission.
- Neither did Apple steal from Ireland or the EU when paying (not enough) tax there.
Sure: Apple are required to allow app developers directing users to outside purchase options due to lawsuits brought up by Epic games in the U.S. and the Match.com complaint resulting in the Dutch ACM decision.
And Apple responded by introducing new 27% on such purchases “outside” of their system - knowing full well that that would completely defy any purpose and nullify any advantage developers might have of it.
There are such apps.
I’ve used them myself.
Banks didn’t demand free access to Apple Pay - as much as they demanded being able to use of the NFC transmitter/receiver. You don’t require Apple Pay or secure enclave access to provide an NFC-based payment method.
…just as it costs Apple nothing/zero for you to watch Netflix on your iOS device.
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Am I supposed to feel sorry for anyone if they lose their phone?
Dont put all your trust in tech ever or all your eggs in one basket.
You lose.
Such a long way to go on to trust anything NFC.
ATM skimmers now NFC skimmers what's next?
Dont put all your trust in tech ever or all your eggs in one basket.
You lose.
Such a long way to go on to trust anything NFC.
ATM skimmers now NFC skimmers what's next?
It is about opening up the RFID chip, so it is already possible to do things on the phone via RFtags, but can you use third party software to read the RFID chip>?
I realise this is about other financial companies using their own software to read the RFID chip, so people can use that instead of Apple pay.
I will not have a contactless card, as i am in the U.K, we are more or less forced to have contactless, my bank will not give me a debit card that is not contactless. So I drilled a hole in it, and it still works as a chip and pin, in machines and that sort of thing, but is now not contactless.
I am 59 by the way, so one of those older people you are on about. So I hate contactless, it would seem, nope, I have Google pay on my phone and on my Fitbit and while I am going back towards cash at the moment, I do use my phone and watch to pay,
My problem is with contactless cards, no protection, I could drop it in the street, someone could pick it up and use it. So if the limit is £100 a time, which it is in the U./K unless you change it, and it allows someone to use it 4 times before it asks for the pin, that is £400 gone from my account.
Sure, I will get it back at some point, but it can take a while. So best is to disable the contactless on my debit card.
Not bothered about my credit card as it don't leave the house
If I had a phone the price of most Iphones, I would be devastated if I lost it. I panic a bit if I can't find my cheap Oppo.
Well, Apple have no problem doing that with regards to app, in-app and even ex-app purchases, do they?
They even have specific „entitlements“ and rules in place for the Netherlands, Russia, South Korea and the U.S. only.
Let’s not forget that the U.S.-Washington Department of Justice also sued Apple for “limiting Third Party Digital Wallets” and preventing “third-party apps from offering tap-to-pay functionality, inhibiting the creation of cross-platform third-party digital wallets.”
I've got public transport cards in my apple wallet; that's no issue.
But my corporate office uses a specific app that lets me open doors with the app. There's no entry in my wallet for it. As another user pointed out; the current workaround on ios uses bluetooth instead of nfc
Ubiquity could build their app and hardware to support putting the card into Wallet, they just haven't. It's been asked for many times on their support forums, but so far no commitment to do it (it's apparently difficult because Apple requires a higher level of security for the authentication than what Ubiquity has build so far). HID (one of the largest access control vendors) has done that, so employees at companies that use their system can add their badge to wallet to just wave the phone at the reader to unlock.