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Prior to Apple Pay, NFC payments were no more secure, convenient or private than using plastic. In fact, it could be argued that they were less convenient, and with Google involved definitely less private. Apple Pay changed that.

Without getting into Google, let's talk security/privacy of just a contactless card. A contactless card creates one-time transaction codes, so even if skimmed only one purchase can be made - and a data breach is pointless, since the code you copied is useless. Also, contactless cards don't include you real name in the name field (to keep someone from finding out your name by bumping up against you), so the merchant also doesn't ever know your real name.

That's a heck of a lot more secure and private than a magstripe transaction, already. Now, Google Wallet - uses a virtual card so the merchant never knows your real bank or much at all about you. It's EXTREMELY private from the merchant, though you are giving Google that data instead so it's a more complex issue. Also, very secure.
 
My 82-year old mother has taken to shopping at Meijer's instead of Kroger's because the former accepts it (also at their gas pumps) and the latter (while fully equipped to) is just standing around watching the situation but not activating their NFC gear to accept Apple Pay.

She is hoping that Vostco will soon get its act together and accept Apple pay as well.
 
My 82-year old mother has taken to shopping at Meijer's instead of Kroger's because the former accepts it (also at their gas pumps) and the latter (while fully equipped to) is just standing around watching the situation but not activating their NFC gear to accept Apple Pay.

She is hoping that Vostco will soon get its act together and accept Apple pay as well.

Assuming you mean Costco, they have the terminals now, at least where I live. I'm surprised your Kroger has the terminals but doesn't have them activated. My understanding was at the few locations with the terminals, they were active.
 
Assuming you mean Costco, they have the terminals now, at least where I live. I'm surprised your Kroger has the terminals but doesn't have them activated. My understanding was at the few locations with the terminals, they were active.

Ralphs and Food 4 Less (owned by Kroger) here has the terminals but they're also not active.
 
If they're taking two cars and meeting someplace new later on, one of them will bring up the directions and tap to instantly open the same directions on the other's phone, ready to navigate.



Perhaps because you didn't have the capability to easily do so.

Once again you're drawing an erroneous conclusion by ignoring facts which don't support your argument. NFC is NOT the only way to easily transfer information between phones, therefore i've had the capability, I just havent found it remotely necessary or useful to transfer directions.

Perhaps its just me, but the scenario you've given doesn't make sense. Your daughter and son in law are meeting somewhere new later on. I read that to mean they are each going to separate places (hence two cars) then meeting at the ultimate destination later. One of them has plotted the directions from where they will be making that journey. How would those directions be of use to the other one? Even if they are going to the same location, can't they just pass the address and open the NAV/Maps App which will bring up the route from where they are at that point?


There's alternatives for many things, if you're missing a feature. But I thought the conversation was about having the feature.

The alternatives are pertinent because the argument for NFC keeps suggesting we don't find features compelling because we don't have NFC.

If you suggested I never go out to eat because I don't have a credit card, wouldn't it be pertinent that I have cash?

NFC is still compelling to many other people, even if they have to continue to carry their driver's license around.

The point I was making is its only compelling when it REPLACES those things, NOT DUPLICATES them. Theres is little or no benefit to me of having a physical card with which I can tap to pay, plus having the ability to tap to pay with my phone. In fact there is a disadvantage in that I have to setup and maintain another service like google pay. If on the other hand I can leave that card at home, then that becomes a compelling reason to consider setting up another service.

I'm struggling to fathom why duplicating something like an ID/CC digitally is compelling if you still need to carry the original around :/



My frustration as a consumer is tech like NFC is deployed in handsets as its a cheap way to add something to the feature list. But minimal effort is expended in creating and deploying the services that truly allow the consumer to leverage that tech. Although I guess it depends on the region you live in, certain parts of Asia have been heading down this road for some time. I suspect there the services are mature enough to better leverage NFC equipped devices like phones.
 
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That is simply not true.

Actually, it simply is true:

http://techcrunch.com/2013/12/03/go...ing-now-but-consumer-benefits-remain-unclear/

You don't have to take my word for it. Just do a search on the web for "benefits of google wallet over credit card" and peruse the many results. Some of them are objective analyses, such as the one linked above. Others are even FAQ from Google and credit card partners that show you how kludgy it is to set up you card, and determine if your Android phone even supports NFC.

The process for setting up your cards was different depending on your card company.

And let's talk about the process for a transaction. If you're phone supported NFC you had to type in your password, open an app and then you were ready to pay. I could easily have my plastic out of my pocket before then. In fact, if Apple Pay were even slightly less seamless than it is now there would be no convenience benefit to using it

I could spend paragraphs proving your statement wrong on the privacy issue.

You can pretend that contactless payments were largely the same before Apple Pay, but it's just not true.
 
Yeah, it's true. Unless this works universally, everywhere without issues the way credit cards do, it's not going to take off very well.

I was at a ShopRite near New York with friends picking up some things, and saw the logo, so I tried to Apple Pay. It lit up the phone, I pushed my thumb, and nothing. Tried again, nothing. I was annoyed and swiped my card. It had worked fine buying Metro North tickets the night before, and at Walgreens since, so it DOES work at times.

The reader was active and even had the LEDs on it indicating that it was ready to pay. But it didn't work, and took a good several second to fail. Meanwhile, there was a line of people behind me looking annoyed. This makes me less likely to pull out my phone next time, and just swipe the card which will work every time.

Apple Pay is a cool concept, but it needs to work EVERYWHERE that PayPass logo is dispalyed, or it won't take off.
 
I went to Hardee's yesterday and when I was about to whip out my debit card noticed the card reader had the NFC logo on it so instead I whipped out my iPhone and held it near it to see if it was working, I was quite excited to see the screen on my phone come alive and prompt for TouchID to verify the payment. Took 2 seconds and was done. I really hope it catches on as it is far easier to pull the phone out of my pocket than to fish the card out of my wallet, and seeing as how I am on my 3rd replacement card this year due to security breaches (Target & Home Depot), I want all my transactions to be as secure as possible.
 
still waiting on the local banks

Can't use it until the local banks join up.
--Regions just this weekend announced they are set up for ApplePay!
Give me a week or 2 to get switched and I will start using it!!!
 
It looks like MCX could be viable after all these added mandatory workflow steps to Apple Pay but unrelated to purchase. Evens the playing field enough in terms of speed and simplicity :(. With that said, I bet Apple will expand support to checking accounts once it catches on and the card co's become dependent on mPayment services like Google and Apple

I don't think these questions will go away regardless of your payment method. Even when paying cash the cashier had me key in the questions first.

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I went to Hardee's yesterday and when I was about to whip out my debit card noticed the card reader had the NFC logo on it so instead I whipped out my iPhone and held it near it to see if it was working, I was quite excited to see the screen on my phone come alive and prompt for TouchID to verify the payment. Took 2 seconds and was done. I really hope it catches on as it is far easier to pull the phone out of my pocket than to fish the card out of my wallet, and seeing as how I am on my 3rd replacement card this year due to security breaches (Target & Home Depot), I want all my transactions to be as secure as possible.
Please don't just look for the logo, you will have to try it on every terminal you see just to see if NFC is enabled.

Rubies, Michaels, and AMPM, were a few places where NFC worked fine and there was no logo in sight. Should these retailers put a logo? Of course. But they didn't.

Once you do this you'll realize more places take NFC than you think. I even went a whole day paying with nothing but Apple Pay and only a few places even had the logo. Not having the logo is a usability nightmare however.
 

Wait. You are comparing Apply Pay to Google's actual credit cards that link to Google Wallet? Also, are you saying with Google Wallet on NFC phones, your actual credit card number is passed to the merchant like with a physical card? If you are, then that is news to me and everyone else. Otherwise, I don't see how you can say swiping a card is just as secure as Google Wallet. Also, it seems you are confusing security with privacy.
 
Wait. You are comparing Apply Pay to Google's actual credit cards that link to Google Wallet? Also, are you saying with Google Wallet on NFC phones, your actual credit card number is passed to the merchant like with a physical card? If you are, then that is news to me and everyone else. Otherwise, I don't see how you can say swiping a card is just as secure as Google Wallet. Also, it seems you are confusing security with privacy.

I'm not confusing anything. In my original post I said that NFC payments were no more secure, private or convenient than plastic prior to Apple Pay. And it's true.

Please read the link below. In particular, the section on security.

http://www.techtimes.com/articles/1...oogle-wallet-better-mobile-payment-system.htm
 
I'm not confusing anything. In my original post I said that NFC payments were no more secure, private or convenient than plastic prior to Apple Pay. And it's true.

Simply untrue. We know Google Wallet is more secure than using a credit card. There is no fear of getting your credit card information stolen from a merchants system with Google Wallet. Therefore it is more secure.
 
Simply untrue. We know Google Wallet is more secure than using a credit card. There is no fear of getting your credit card information stolen from a merchants system with Google Wallet. Therefore it is more secure.

And more private because it doesn't pass on your name to merchants (just like any contactless card, but more private than swiping).
 
ugh...when will my bank be supported...:(

None of your banks are supported? They support every card in my wallet except Discover. I'd say if you have no supported cards, you probably need another card or two to be honest. For example, American Express is great for purchasing electronics because of the purchase protection and extended warranty (I suggest the Amex Everyday for a no annual fee card). The Bank of America Travel Rewards has no foreign transaction fees and is also free. Both of these cards are free, have real benefits, the Everyday has GREAT rewards and the Travel Rewards has okay rewards for a free card, and both work with Apple Pay. The Amex Everyday is also available as a normal contactless card.
 
Apple has its influence over the world, so i think that would be a trend, with Apple Pay to pay. Besides, paying within apps has never been easier. But, there is one thing, the security features should also be settled.







süße lg g3 tasche
 
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Apple has its influence over the world, so i think that would be a trend, with Apple Pay to pay. Besides, paying within apps has never been easier. But, there is one thing, the security features should also be settled.

There's no lack of security features, more so than any other payment method!
 
Simply untrue. We know Google Wallet is more secure than using a credit card. There is no fear of getting your credit card information stolen from a merchants system with Google Wallet. Therefore it is more secure.

Did you even read the articles I attached? Because if you did you would know you're statement is not true.
 
Did you even read the articles I attached? Because if you did you would know you're statement is not true.

But the article doesn't even say that! It is discussing the security concerns of GOOGLE's system being attacked, and the privacy implications of Google getting your data - NOT merchant breaches.
 
Did you even read the articles I attached? Because if you did you would know you're statement is not true.

I'm beginning to wonder if you read the article. Say what you will but no one is going to believe your statement that swiping a traditional credit card is just as secure as using Google Wallet with NFC.
 
I'm beginning to wonder if you read the article. Say what you will but no one is going to believe your statement that swiping a traditional credit card is just as secure as using Google Wallet with NFC.

Even a traditional PayPass or payWave card is more secure than swiping it. These also use a dynamic CVV value.
 
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