Apple Pay Could Be Used to Make Payments With QR Codes in the Future

[MacRumors]

Code in iOS 14 suggests that Apple is working on a feature that would let users make payments with Apple Pay by scanning a QR code or barcode with the iPhone camera.

References to the feature were found in the Wallet app by 9to5Mac after updating to the second iOS 14 beta that was released today.

The feature for scanning a QR code does not work at this time, but it appears users will scan a QR code with the iPhone's camera to pay bills using an Apple Pay-compatible card stored in the Wallet app.

Apple did not announce this feature at WWDC and the implementation in the current beta is unfinished, so it may be something that's perhaps going to launch later in the year following the release of iOS 14.

Article Link: Apple Pay Could Be Used to Make Payments With QR Codes in the Future

 

[dannyyankou]

The feature for scanning a QR code does not work at this time, but it appears users will scan a QR code with the iPhone's camera to pay bills using an Apple Pay-compatible card stored in the Wallet app.

That's actually a pretty smart idea. If you get a bill in the mail, just scan a QR code and pay with Apple Pay.

But do people really still do paper billing?

 

[kwilzz_]

From the photo, maybe it will use barcode for a casheir to scan? Hard to tell, but looks like it would sort of be used how you would scan a ticket from the Wallet app.

 

[OriginalMacRat]

That's actually a pretty smart idea. If you get a bill in the mail, just scan a QR code and pay with Apple Pay.

But do people really still do paper billing?

Of course be careful that someone hasn't placed a different QR code sticker over the one you are pointing at to redirect your payments elsewhere.

Emerging Trends in QR Code Fraud

Flashpoint analysts have observed activity around utilizing QR code fraud, especially as it applies to cashless payment applications.

www.flashpoint-intel.com

 

[farewelwilliams]

makes sense as China relies heavily on QR codes for payments

 

[itsmilo]

That's actually a pretty smart idea. If you get a bill in the mail, just scan a QR code and pay with Apple Pay.

But do people really still do paper billing?

well I heard people in the US still get their salary or pay rent with a check

 

[konqerror]

But do people really still do paper billing?

Many people like to get bills by paper so they don't get overlooked in e-mail junk. What has changed is that they pay electronically, via bank bill pay or card payments.

There's usually no cost benefit to suppress paper bills, so why bother?

 

[Mactendo]

well I heard people in the US still get their salary or pay rent with a check

I heard they still use shells as currency.

 

[jpn]

even china is already at the next stage past QR codes. well past ancient and fraud-prone QR codes.
its not about QR codes. its about apple using QR codes as an interim way to get more payments through apple pay. short term.
puts the entire onus for preventing fraud on the user who uses a QR code to pay for anything through just scanning a paper based link - without being able to verify at all if that payee is the intended payee or not.

Paying for Fried Chicken with the Face: A Journey around the Biometric Landscape in China - Outriders

A customer orders crispy fried chicken using one of the screens at a Kentucky Fried Chicken (KFC) in Shenzhen. At the digital menu, there are pictures of the products and pricing information: a lip-smacking chicken bucket for 39 yuan (almost 5 euro), two chicken burgers plus a chicken bucket for...

outride.rs

QR code scams strike China, from merchants to traffic tickets

Scammers rip off people trying to pay parking tickets

asia.nikkei.com

 

[itsmilo]

I heard they still use shells as currency.

i know you are kidding but it’s true. I did an internship in NYC and every 2 weeks I would get a check that I would have to carry across the city to my landlord. In the beginning i didn’t even know how that worked cuz I haven’t seen a check in my life before that. I thought it was a thing of the 80s

 

[Mactendo]

i know you are kidding but it’s true. I did an internship in NYC and every 2 weeks I would get a check that I would have to carry across the city to my landlord. In the beginning i didn’t even know how that worked cuz I haven’t seen a check in my life before that. I thought it was a thing of the 80s

I know that it's true that's why I wrote that It was a joke about US, not about your comment.

 

[cbusbuck]

Finally, about time. We are only about eight years behind Asia on this.

 

[lartola]

That's actually a pretty smart idea. If you get a bill in the mail, just scan a QR code and pay with Apple Pay.

But do people really still do paper billing?

I think it may be intended for american sit down restaurants. Unlike restaurants in the rest of the world, the ones in the US have persistently refused to get wireless terminals that would allow them to process payments at the tables and instead continue to process the payments old-style away from the tables. Since that makes it impossible to use apple pay by tapping, Apple may as well be thinking of another way to allow the use of apple pay at american sit down restaurants.

 

[dannyyankou]

I think it may be intended for american sit down restaurants. Unlike restaurants in the rest of the world, the ones in the US have persistently refused to get wireless terminals that would allow them to process payments at the tables and instead continue to process the payments old-style away from the tables. Since that makes it impossible to use apple pay by tapping, Apple may as well be thinking of another way to allow the use of apple pay at american sit down restaurants.

I like your thinking, lots of restaurants already have QR codes on the bill that you can pay with online. Integrating it with Apple Pay will make the process a lot easier.

 

[LeadingHeat]

The first thing that comes to mind is Walmart. Will this be able to integrate with “Walmart pay”, so we get the security benefits of Apple Pay even though they refuse to implement it in their terminals.

 

[konqerror]

The first thing that comes to mind is Walmart. Will this be able to integrate with “Walmart pay”, so we get the security benefits of Apple Pay even though they refuse to implement it in their terminals.

Wal-Mart refuses to implement Apple Pay because they want to control the payments themselves, to steer people to cheaper debit options, to track purchases like a loyalty card, and to store your payment info so you can use it online.

This solves none of Wal-Mart's goals, so I can't see Wal-Mart doing anything with it.

 

[tmiw]

I like your thinking, lots of restaurants already have QR codes on the bill that you can pay with online. Integrating it with Apple Pay will make the process a lot easier.

Restaurants can already have an Apple Pay button on the website that appears when you scan their QR code. However, this may be easier to implement depending on the restaurant's setup.

 

[quietstormSD]

well I heard people in the US still get their salary or pay rent with a check

In all honesty, there are many poorer people in the US do not have the means to have a bank account where they won't be charged a fee. So many people have to rely on paper checks being cashed at check cashing places and pay their rent with money orders. It's very unfortunate.
[automerge]1594163812[/automerge]
We need the Apple Watch to have a small camera that can scan codes. Doesn't have to be able to take pictures, just scan codes.

 

[nicho]

From the photo, maybe it will use barcode for a casheir to scan? Hard to tell, but looks like it would sort of be used how you would scan a ticket from the Wallet app.

I can’t open the original story for some reason, but the picture in the article definitely contradicts the assertion that you scan a QR code and then pay for something. It shows the creation of an Apple Pay pass... perfect for something like Alipay where the cashier scans the QR code on your phone. This feature will simply remove one step between lock screen and payment, it’s not hugely revolutionary. Though I guess it also means I could hide the Alipay app instead of keeping it on my main screen and using 3D Touch to open the qr code.

 

[konqerror]

In all honesty, there are many poorer people in the US do not have the means to have a bank account where they won't be charged a fee.

It's not because they're poor, it's because they're illegal immigrants. There's plenty of no-fee bank accounts and prepaid cards, the latter of which don't require ID. Apple Cash is an example.

If you're poor and legal, you'll be on benefits, you will have access to electronic payments. EBT has been around for over a decade.

So many people have to rely on paper checks being cashed at check cashing places and pay their rent with money orders.

Not anymore. Their employer issues a prepaid card, called a payroll card. Unless you're renting from an individual, most landlords take debit/ACH payments these days.

 

[konqerror]

I can’t open the original story for some reason, but the picture in the article definitely contradicts the assertion that you scan a QR code and then pay for something. It shows the creation of an Apple Pay pass... perfect for something like Alipay where the cashier scans the QR code on your phone. This feature will simply remove one step between lock screen and payment, it’s not hugely revolutionary. Though I guess it also means I could hide the Alipay app instead of keeping it on my main screen and using 3D Touch to open the qr code.

I think this is just the QR code version of the previously announced NFC tag Apple Pay:

Apple Announces Support for NFC Tags That Trigger Apple Pay

At the TRANSACT Conference in Las Vegas back in early May, Apple VP of Apple Pay Jennifer Bailey detailed some new Apple Pay features that Apple will...

www.macrumors.com

Note the part about the instant enrollment loyalty card. I think that's what's going on with the pass.

 

[swm]

maybe something like 'masterpass'?

Mastercard - A Global Technology Company in The Payments Industry

We connect and power an inclusive, digital economy that benefits people, businesses & governments worldwide by making transactions safe, simple & accessible.

mea.mastercard.com

 

[ctdonath]

do people really still do paper billing?

If you actually want me to pay attention to your message, like a bill, yes.

 

[nicho]

I think this is just the QR code version of the previously announced NFC tag Apple Pay:

Apple Announces Support for NFC Tags That Trigger Apple Pay

At the TRANSACT Conference in Las Vegas back in early May, Apple VP of Apple Pay Jennifer Bailey detailed some new Apple Pay features that Apple will...

www.macrumors.com

Note the part about the instant enrollment loyalty card. I think that's what's going on with the pass.

Take a look at the picture in this article. It says "Code Payment".

This is a very logical splash screen for authorising Alipay to be added to Apple Pay as a pass - as rumored https://www.imore.com/ios-14-alipay-support-will-open-apple-pay-over-billion-users

 

[konqerror]

Take a look at the picture in this article. It says "Code Payment".

Take a look at the picture in this article. It says "Apple Pay".

What you are saying is you can use Apple Wallet to make QR code payments with Alipay.

As I said, I think this is just the QR code version of the previously announced NFC-triggered Apple Pay.