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Apple Pay Could Be Used to Make Payments With QR Codes in the Future
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Sounds good but the missing link is getting the transaction details from the POS system. Manually keying those details could be cumbersome.
There are current QR payment options for table service. Shift 4 has one already, not sure it takes ApplePay (yet). It I’d imagine it’s on their roadmap. Also ApplePay needs a method to add a gratuity.
We are getting there though, love,ApplePay
It's for making Apple Pay payments with your Apple Glass. I don't think Apple will like the idea of having to swing out your iPhone or Apple Watch to do some essential actions that Apple Glass can't, Apple Pay is one of those essential actions because it's arguably a fundamental experience of everyday life (the ability to pay for stuff).
If I were Apple I would want the Glass platform to demonstrate the ability to let the user go about everyday life without explicitly entering the digital realm on their iPhone. You can argue it's not hard for people to whip out their phone/watch to use Apple Pay but that's not the point... you could probably make that same argument about Apple Watch (why do you need another screen on your wrist when the one in your pocket can do everything the watch does?).
Everyday life actions in a metropolitan context include:
1) Navigating around the city with walking directions, getting a cab, public transport directions.
2) Finding places of interest to eat, shop, etc. (this is why iOS 14's Map has a "scan the buildings around you with your camera" function to make the AR maps experience accurate)
3) Paying for things like food, transport, etc.
4) Keeping up to date with your digital world but not necessarily participating in it (much like Apple Watch, we primarily look at notifications on it and then take some action on our phone). Albeit, basic participation will obviously be possible with Siri and AirPods.
Everything else is done on your iPhone (replying to emails, taking pictures, and whatever else).
The only catch is this: most rumors surrounding the Apple Glass are saying that it won't have a camera built in... At the same time, a lot of the "Gobi" AR experience stuff we've been seeing uses modified forms of QR code. Maybe everything's done with the U1 chip? Seems expensive if I'm a retail store and want to put AR info tags on every product sitting on my shelf. Does anyone know if U1 can detect some sort of passive tags (i.e, some RFID like chips that can be embedded in stickers)?
If I were Apple I would want the Glass platform to demonstrate the ability to let the user go about everyday life without explicitly entering the digital realm on their iPhone. You can argue it's not hard for people to whip out their phone/watch to use Apple Pay but that's not the point... you could probably make that same argument about Apple Watch (why do you need another screen on your wrist when the one in your pocket can do everything the watch does?).
Everyday life actions in a metropolitan context include:
1) Navigating around the city with walking directions, getting a cab, public transport directions.
2) Finding places of interest to eat, shop, etc. (this is why iOS 14's Map has a "scan the buildings around you with your camera" function to make the AR maps experience accurate)
3) Paying for things like food, transport, etc.
4) Keeping up to date with your digital world but not necessarily participating in it (much like Apple Watch, we primarily look at notifications on it and then take some action on our phone). Albeit, basic participation will obviously be possible with Siri and AirPods.
Everything else is done on your iPhone (replying to emails, taking pictures, and whatever else).
The only catch is this: most rumors surrounding the Apple Glass are saying that it won't have a camera built in... At the same time, a lot of the "Gobi" AR experience stuff we've been seeing uses modified forms of QR code. Maybe everything's done with the U1 chip? Seems expensive if I'm a retail store and want to put AR info tags on every product sitting on my shelf. Does anyone know if U1 can detect some sort of passive tags (i.e, some RFID like chips that can be embedded in stickers)?
In my country we use a free service which delivers invoices and pay slips in your online bank. I receive 0 bills by paper and it's very good to reduce waste therefore you contribute to the reduction of carbon emission. Win win for everyone, the planet, me, and the sender.
I'm the total opposite. I hate getting statements, bills, solicitations, etc by mail.
I wish I could get away with going to the mailbox with a trash bag once a week and throwing everything away, unless it's a package or greeting card.
Yes it says Apple Pay - because using QR codes (which are scanned by the cashier) will be called Apple Pay alongside the use of iPhone NFC. Already, once you leave the USA, Apple Pay isn't actually a 'thing' but a front-end for another service... In the case of China, Apple Pay is just UnionPay QuickPass with Apple's 'security' bells and whistles. This will be AliPay with Apple's 'security' bells and whistles... Payments with a code - Code Payments - in Apple Pay. AKA "You can now use Apple Pay to make payments with QR codes" just as it says.
It's understandable you'd make such an assumption when tech "journalists" do too but it isn't supported by the evidence:
It calls itself a pass (because it'll have a QR code and probably not be contained within the secure element, instead relying on online updates as things like the Alipay app do now... it'll be listed alongside movie and plane tickets). It has FaceID authorisation. The barcode is not being scanned by the phone but is presented on the phone for a cashier to scan (if this is a QR code version of the NFC apple pay you linked... what's going to do the scanning and process the payment?).
I think you also have the loyalty card thing backwards. The idea of those is to eliminate QR codes and present both via NFC with minimal user interaction - not sign up for one and then show a barcode every time.
Good post. I was getting ready to post about the same abuse and saw your early post.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
And also, not all restaurants have QR codes yet. For those that still don’t, the integration with wallet may make things easier when they do implement them.
tried it this weekend. got all exited about the convenience of it, right up until it didn't work.
And here i thought QR was not that good with privacy... Give people more convinient options, but i thought Apple never gets sidetracked with what's important to them. That's why you have Apple pay.. but it seems their trying to bring in these "lesser" ideal ways now, because the base is there like Apple pay, so it pays the way forward for backwards-ness. ...
If anyone could figure that out,
If anyone could figure that out,
Many people here don’t get how to pay via a QR code.
- Scan the seller’s QR code
- Confirm the seller and price
- Pay
All very well. but that's not the point i was making.... QR codes are not as good as Apple pay.. therefore your using older, less secure ways to justify the better alternative.
It may still be safer in the end, but to me, if your using older schemes then its a problem, even if that means it more convenient.
It may still be safer in the end, but to me, if your using older schemes then its a problem, even if that means it more convenient.
What is a real transaction flow? What... the cat said is what I expected, but I've never seen it myself.
There are a couple of flows. "The cat" has mixed the two... consider this - how are you going to "confirm the price" after scanning a static QR code?
Simplest transactions (the least desirable because of fraud by replacement of QR codes and also accounting/stocktaking problems):
1. Scan the seller's QR code
2. Confirm the seller is, indeed, the seller (visual check of an icon/picture etc) before entering the price manually yourself.
3. Pay
4. Show seller that you have paid.
Common transactions (preferred by payment processors because they can verify the identity of merchants this way, if not customers... reduces risk of fraud etc. and also enables linking with POS systems)
1. Open app and present QR code to seller
2. Seller uses device with a camera or barcode scanner to scan your QR code. Pay without further interaction (depending on settings/payment provider)
Actually that's not quite the whole story... there is a third category of transaction in the middle, used in vending machines etc (I bought a Sprite like this yesterday). But in that case you wouldn't need to "confirm the seller" since it's a dynamically generated QR code.
1. Scan the barcode on the machine
2. Confirm the price
3. Pay
The picture in the article appears to show Apple Pay emulating the way Alipay/Wechat pay work in large merchants, where the customer presents a barcode for scanning. I can't see Apple endorsing the scanning of static QR codes - nor can I see any evidence of it... I think 9to5mac have got it wrong.
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Static QR codes would be the simplest for shops. Customers just need to scan the static image on a printed piece of paper or board.
Honestly I use Apple Pay much more than QR codes here, but it’s inevitable to go to shops with a QR code (I use LINE Pay only for it) but without Apple Pay.
Whether that's true depends on a lot of different factors, but it mostly isn't. Anyone with a need to reconcile transactions or keep track of stock would create a lot of headaches for them. It's good for individual outfits like ice cream sellers, or fruit/veg people who buy in daily and start over every morning but it isn't good for serious business. Which is exactly why Alipay and Wechat pay have been pushing businesses to move away from it.
If the premise is that every customer has a camera, every store/seller must have one too. It's more secure to have them set up as merchants, and easier for customers too as they just have to present their QR code and the merchant (or usually, the POS terminal) does all the work.
Providing more options isn't a bad thing, especially for regions where small business is more popular.
You could do it on screen too I suppose. Bill comes in via email, but doesn't have great payment options on the site. Scan the code on the monitor to pay.
Yes, this is it. You let your QR Code/Barcode be scanned by the cashier or a machine, which allows you to pay.
Not sure why everyone has it the other way around.
We got this in a secure manner for years... bluecode.com/en
QR or barcodes if implemented properly are equally secure as NFC payments.
For user to user transaction it's probably based on iMessage with a temporary time based code...
QR or barcodes if implemented properly are equally secure as NFC payments.
For user to user transaction it's probably based on iMessage with a temporary time based code...
Apple Pay is always just a front-end for another service. It basically is a credit/debit card payment. And that worked outside the US (at least in Europe) years before it did in the US because everywhere else the necessary NFC/chip payment infrastructure is already present.
Are you serious? An NFC payment reader costs less than 30€...
It solely depends on the implementation. Using a static code (like the classic swipe of credit cards that's still a thing the US) is insecure, while dynamic codes have security which is very close to NFC payments.
As stated above, implementation is key. The medium of transfering the information from the phone to the POS has little impact on security if the process behind it is secure.
There is many ways Apple could implement this. Static codes are certainly not gonna happen...
Here in the UK, my Barclays Bank app allows me to scan checks on my iPhone. No more going to the bank for that!
The only problem is that it is usually my wife getting all kinds of cheques, and she somehow cannot manage to do it. So I have to do it all the time. And it's a bit tricky when the checks have been folded. She folds them all so they fit in her purse :-(
In the UK, I get my paper bank statements every month. However, the Barclays Bank app actually has _all_ statements of the last years available in the app.
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