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Apple Pay Rewards Program to Debut at WWDC
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I agree that using Discover in europe, despite their coverage map, might be a crapshoot but I've been to europe many times and rarely find a place that doesn't take credit cards. Maybe some small hotels but now before I book I always make sure they take credit cards or let me pay before I leave home. It's too hard to keep getting the max daily limit at an atm and storing the cash until the hotel needs to be paid and do it all again for the next city. Yeah, I could go to a bank to get it all at once but the exchange rates are worse.
At least the Andrews one doesn't have an annual fee. The Travelex has too many fees and is a debit card. Seriously? $3/month inactivity fee?
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Yes they had NFC payments previously which simply behaved like the starbucks app which was not new or innovative and had gapping security holes. Now, Google has not only changed the name of their payment system. They also changed the way it works to Apple's version of the way payments work and it copied all of the features. Sorry buy it just feeds on the impression that Google is the copy quickly company whenever Apple brings or is rumored to bring something new to the table.
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Except apple was rumored to be working on a payments solution long before Google came out with theirs and you could already do payments in starbucks app back in 2009 before Android was even a thing.No worse than Apple STEALING the Google Wallet application, rebranded it, do minor security tweaks and now it's innovative. I know, no one had ever thought of using the phone to make payments.
Apple is a business and will steal ideas/concepts/products by any means necessary to produce revenue.
I don't understand the cheerleading mindset to back one company over another if the products work and their consumer base is happy.
you had to log into your phone previously then open up the google wallet app to use it. With the Apple Pay all you did was hold your phone up to the NFC terminal with your finger on the fingerprint sensor and BAM! Done! No unlocking your phone or anything with Apple Pay.
After just getting back from a cruise that originated in Canada, 
Pay saved us from a lot of (worse) headaches.
When we arrived (via train) to Vancouver, the cab took our debit card, and he was the last one that was able to take a non chip and pin card (our bank doesn't have chip and pin, must to their protestations on the phone with an angry customer (me) that we can't do a PIN transaction, and they are getting declined, even after telling them that we're traveling outside the country during our cruise).
We were told that we can take the precautions off of our account, but we're liable for any fraudulent transactions, or we can carry cash (what's the difference? - actually cash is better, because our liability is limited to the cash on hand, rather than our whole bank account), or do a PIN transaction there in Canada. I told the bank guy on the phone that doing PIN transaction was about the same as going to the goat restroom...err...washroom in Canada. You simply couldn't do that, as to do a PIN transaction, you'd need a chip on the card, which they didn't have.
EnterPay... I put one of our cards in my iPhone 6+, and much to the amazement of the people at London Drug, the restaurants, and the cabs, it worked.
Mrs. Thequick, normally a technological naysayer was convinced.
Pay saved us from a lot of (worse) headaches. When we arrived (via train) to Vancouver, the cab took our debit card, and he was the last one that was able to take a non chip and pin card (our bank doesn't have chip and pin, must to their protestations on the phone with an angry customer (me) that we can't do a PIN transaction, and they are getting declined, even after telling them that we're traveling outside the country during our cruise).
We were told that we can take the precautions off of our account, but we're liable for any fraudulent transactions, or we can carry cash (what's the difference? - actually cash is better, because our liability is limited to the cash on hand, rather than our whole bank account), or do a PIN transaction there in Canada. I told the bank guy on the phone that doing PIN transaction was about the same as going to the goat restroom...err...washroom in Canada. You simply couldn't do that, as to do a PIN transaction, you'd need a chip on the card, which they didn't have.
Enter
Pay... I put one of our cards in my iPhone 6+, and much to the amazement of the people at London Drug, the restaurants, and the cabs, it worked.Mrs. Thequick, normally a technological naysayer was convinced.
I agree.
Well, if this
is true, I highly doubt that your privacy would be anything but an illusion.
As I have no idea of what Apple plans to do, let me just put it this way: I think combining a payment method that you use with lots of purchases with any loyalty program that lets businesses track those purchases is not desireable in any way as it offers just to much potential of abuse.
Heh. Buy $12,000 of merchandise with Apple Pay get a free iPad Mini 1st gen.
I was thinking more along the lines of a free Lightning cable.
No worse than Apple STEALING the Google Wallet application, rebranded it, do minor security tweaks and now it's innovative. I know, no one had ever thought of using the phone to make payments.
Apple is a business and will steal ideas/concepts/products by any means necessary to produce revenue.
I don't understand the cheerleading mindset to back one company over another if the products work and their consumer base is happy.
That's ridiculous. You know nothing about Apple Pay and Google Wallet. Google Wallet worked entirely differently than Apple Pay. It didn't even do tokenization until later. It didn't store your info on the phone in a hardware portion of the chip that's secure. It didn't require a fingerprint authorization. And, most importantly, all Wallet financial transactions go through Google's servers, and that info is kept by Google. It still is.
Now, Google has been working to catch up to Apple Pay, but even with the new Android Pay, they haven't caught up entirely.
If you're going to make things up because you don't understand what going on, deliberately, I suspect, this isn't a good place to do it.
Android Pay isn't even out and we're now proclaiming that it's caught on?
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Aside from using fingerprints, Apple Pay works EXACTLY like Google Wallet did at the start. :|
No, it does not. It's not even close.
All of your transactions go through Google's servers, and Google keeps that info. You can look that up yourself, if you're so inclined. No transactions go to Apple in any way, other than when you are buying from Apple itself, if your buying an actual Apple product. So when I buy an app, Apple obviously knows I'm doing that. But when I bought medicine recently at Walgreens, Apple doesn't know that.
There's been enough written about both services so that you don't have to make misleading statements here.
Those are details. My point was the underlying technology. NFC, is the same. That's why any place that takes Apple Pay will take Google Wallet or Android Pay or Samsung Pay.
Edit: Also that Apple did the same thing a different way with security.
What the heck are you talking about? You must be talking about Google Wallet, because Apple Pay has only been out for a few months, and Google Wallet has been out for years, and has been extremely unsuccessful throughout all that time. In fact, reports are that only now, that Apple Pay is out, that people are beginning to use Google Wallet at all.
You really need to look up the facts. BS doesn't travel well here.
Part of the reason Google Wallet was unsuccessful is because Google doesn't have the clout Apple does. Carriers actively shut off Wallet, something they couldn't do with AP. If more people had access to it, more people would have used it. Let's not pretend otherwise.
The DETAILS? You've got to be kidding! NFC is just the beginning of it. Basically, what you've been saying here is total nonsense. Virtually everything about Apple Pay is different from Google Wallet. You even needed to add money to it manually for a couple of years.
Android Pay, is hewing more closely to what Apple Pay is doing, but not everything. They're still way behind in the privacy area. But then, Google doesn't do anything that doesn't collect our data for them, payments is just another way for them to get more data about us.
People are concerned about the NSA, but the NSA doesn't actually collect much from us. The phone companies drop their monthly bill data to the NSA, and that's about it. But Google collects vastly more data from us than the NSA could ever hope to do. If the NSA needs it, they just go the the security court, and get a warrant.
Apple collects none of that data. It's a vast difference between how the companies make their money. According to Google's quarterly financial statements, they show that they make 97% of their sales and profits from advertising. Apple makes less than 1% from ads.
The only reason Google comes out with a new service, software, or hardware, is to collect more of our data, and to have more places to serve ads to us.
That's the whole point to Google Wallet, and now, Android Pay, so just keep that in mind.
Google has plenty of clout. But they don't do things well. They never have. They way they first implanted Wallet was, as usual rushed, and poorly thought out. The phone companies were working on their own systems, and Google didn't think it out properly. If they did it correctly, the carriers couldn't have turned it off. But they allowed it after the first year, and still, people haven't used it.
Essentially, no mobile payment system can become successful until Apple does it. That just the way it rolls. Not because the carriers won't allow it, but because Apple does it properly, gets the partners, and has people who own products who want to use the features. In addition, Apple product owners spend more money, and on average, are more successful financially.
This is a choice Google made in the beginning with Android. They were so terrified that the iPhone, and apps, would kill their ad model, which it is in mobile, that they wanted their own platform to ensure that their ads would still be served, whether directly on the web, or in apps. Interestingly, their financials show that they make 75% of their money from mobile from iOS. You know they're not happy about that.
This post is nothing but an excuse to allow Apple to steal ideas/concepts with no repercussions.
That's funny, because I could use my debit card from DAY ONE. But I guess facts don't matter. I'm not going to get into any of the advertising stuff, because that's not relevant.
No, Google doesn't have plenty of clout. That's why they aren't able to push out Android updates. That's why they have to push Android Pay as an API in the system instead of the GW app. That's why carriers were able to push GW off the phone on their network. That's why they're able to push bloatware and Google isn't giving you a way to remove it. The same with manufacturing bloatware. Seriously, you're completely misstating things when you say Google has clout.
Instead, since you're the one making the case that Apple is basically copying Google. You need to lay out for us here, exactly how Google Wallet, Android Pay and Apple Pay work.
Really? Then explain exactly what Google's model is, in some detail, and then explain Apple's. The only thing that's the same, now that Google has adopted it, is the tokenization model, which Apple adopted, because they, the credit companies and the banks have worked to make it a standard. So now, Google is going to use it.
As far as NFC goes, that's called a transport model, so sure, just like USB, everyone can use it. But that doesn't mean that anything else is the same.
Not from day one. Sorry, but that's simply not true. And you couldn't use a credit card, which is a big difference. With a debit card. The money is taken right out of your bank account, with a credit card, you have to pay the card company. The difference is important. When you use a debit card, you're pretty much on your own if you have a complaint against the company. You need to get the money back, because you no longer have it. Good luck with that!
With a credit card, you still have your money in case of fraud, or other problems, and the card company will work on your side for you, and give you credit. I've had it happen a number of times over the years.
Debit cards were created in Europe because Europeans are noted for buying something and then refusing To pay, claiming some problem or other, to taking the product back after a few days, and demanding their money back through the card company. So a number of retailers pushed for a debit card. So now, it's used here as well. Not a great thing for consumers.
You can hardly copy using standards. That's why they're standards. NFC payment is a concept. I don't know if Google was the first to use the idea. Do you really need me to explain how NFC payments work?
So a special Apple USB is now different if it has a fingerprint sensor on it? Seriously, it's all NFC payments. Just like all USB drives are just that, USB drives. Also, like I explained, Google had tokenization already. The difference comes between a digital token and the type kept in the secure unit such as with AP. Seriously, though, there's nothing special about NFC payments. Apple just has more clout.
I can't disprove your credit card thing in the past, but I can disprove it today. Maybe that was a change at some point? Of course, I highly doubt that because Visa licensed their system to use in 2011 (the same year MasterCard did). Also, debit cards are great for consumers. Spending more money than you have is something that isn't a good thing in the slightest.