Apple Pay Setup Process Revealed as Retail Employees and Partners Begin Training

[wizard]

The UK doesn't need this in the way that the US does. The UK moved over to secure "Chip and Pin" credit card processing in 2004 - ten years ago. In the US, you still sign pieces of paper when you use your credit card. For them secure credit cards are still a novelty.

Chip and pin isn't that much more secure. As for the lag in a switch over here in the USA that is due to the legal infrastructure around credit cards. Getting that signature is very important. It is interesting that Apple Pay is coming along and the banks a re agreeing to it security system and are apparently taking on the same responsibilities as are dictated by law for signed credit card transactions.

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I'm a loyal apple fan, but I'm going to let the rest of the world beta test this for me. Recall how just plain wonderful and obvious the cloud sounded when Apple introduced .Mac? That had serious issues. They dumped that and tried again with MobileMe. Still had big issues. They dumped that and tried again with iCloud - and that still has issues even now... I'm not saying Apple are incompetent, just that they are often too aggressive rolling out immature software - in part because the whole thing was typically a too minimally tested super secret at launch time.

Realize that part of the problem with .mac, MobileMe and Apple other cloud initiatives has been more in the concept not so much the software implementation. I need to point that out because the concept here looks really good.

I get that somebody has to take the first step, and Apple is a fine leader, but we're talking about managing my money here so I'm going to enter conservative mode and watch this play out for a while.

On the other hand I agree completely with this idea. It is far better to watch how things unfold unless you have a throw away account to experiment with. It probably won't be more than a fe weeks before we know how reliable the service is. As a side note banks have a vested interest in reliable software systems, I'm expecting a high level of robustness and reliability. Banks can't afford to have software that screws up on a large scale.

 

[Craiger]

Just a slight correction. None of the actual credit card information is stored locally on the device or on Apple's servers anywhere. A secure token is created when you submit the card info and this is the only piece of information stored locally on the NFC secure element on the iPhone. Nobody's actual information is stored anywhere, locally or otherwise.

Do you have a source for this? I though the actual card number was stored securely on the device and a token was generated each time you use it.

 

[lk400]

I doubt it. Have you seen how many countries have iTunes Radio?

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I can't either even though if it was I would definitely use it. It would also sway me to upgrade my 4s to a 6 - at the moment when my contract expires I'm likely to go with the 5s.

That's a shame. Basically all points of sale here in Japan have some sort of nfc reader. Even many vending machines. I think it could be huge here (but we have had the non apple version for 10 years, but it never fully caught on).

 

[Merkie]

Chip and pin isn't that much more secure.

Yes it is.

 

[MacGeek1987]

Hoping the popularity of Apple Pay eventually brings NFC to smaller, regional chains and stores. I look forward to using this with my 6+, but of course it would be more convenient if Apple Pay was accepted everywhere.

 

[BoulderAdonis]

One customer said they would leave if they didn't support Apple Pay so they so they signed on? Wow.

No - I told them as well. While I was getting out more. Apparently that was the tipping point. Two. Who knew??

 

[BlueTrance]

I doubt it. Have you seen how many countries have iTunes Radio?

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I can't either even though if it was I would definitely use it. It would also sway me to upgrade my 4s to a 6 - at the moment when my contract expires I'm likely to go with the 5s.

Don't worry about going with the 5S. Apple will tell you that you can still buy an Watch to start using Apple Pay

 

[mdelvecchio]

That wasn't necessary. A direct link to the page in your first post would've been sufficient.

The only thing not necessary is the level of denseness from many users of this site.

 

[bozzykid]

Chip and pin isn't that much more secure.

Wrong. Chip and pin is much more secure.

Getting that signature is very important.

I assume you are joking. The signature does not help with security at all. Signatures are a joke. There is a reason why much of the world does not use this system anymore.

 

[RobQuads]

Do you have a source for this? I though the actual card number was stored securely on the device and a token was generated each time you use it.

He is correct. When you register your car your bank generates a unique number for specific to that device. The CVV is then generated using an algorithm to validate your device

 

[LucasLand]

PAY require an internet connection?

Does PAY require an internet connection? or is the chip inside enough to give the the retailer the info required to complete transaction.

what if you go to checkout and for some reason you're in a dead spot in your carrier service?

 

[DotCom2]

He is correct. When you register your car your bank generates a unique number for specific to that device. The CVV is then generated using an algorithm to validate your device

How do you "register" your card with your bank?

 

[duaneu]

Chip and pin isn't that much more secure. As for the lag in a switch over here in the USA that is due to the legal infrastructure around credit cards. Getting that signature is very important. It is interesting that Apple Pay is coming along and the banks a re agreeing to it security system and are apparently taking on the same responsibilities as are dictated by law for signed credit card transactions..

I don't think we're even getting chip and PIN here. Our cards will be chip and signature.

 

[LucasLand]

What a great way to send your transaction data directly to the NSA for evaluation.

NSA can look up you credit card trasnactions in real time. they and others like the FBI, can monitor them to track you. they can find criminals that way. they need to find you and up pops up on their computer you just used the card to buy gas in montana. now they know where to look

 

[tjl3]

Wrong. Chip and pin is much more secure.



I assume you are joking. The signature does not help with security at all. Signatures are a joke. There is a reason why much of the world does not use this system anymore.

Chip and pin is not more secure. There's no credit card information present or passed through the transaction with Pay.

I'm not arguing that chip and pin isn't secure. In the US, that alone should wipe out most non lost/stolen card present fraud.

Where it will end up being a huge boost against fraud is on the eCommerce side, where again, no sensitive information is passed.

 

[LucasLand]

I really find it disappointing it's only going to be available in the United States at first. So far I have seen how easy it is to use, I would LOVE to have it in the Netherlands!

The worst thing is that it isn't only Apple Pay that won't be available here in a while. Siri and iTunes Radio aren't working in the Netherlands either. Apple is really falling behind on support for features in different countries...

I don't think sharia law will allow it

 

[Olivier Giround]

I've already told my bank.. two months to announce plans to participate or I'm gone. I've got far more loyalty to saving my own time than I do any bank. lol.

Well, if that doesn't get them going...

 

[LucasLand]

Senior citizens

i'd like to see a video of an Apple rep trying to explain to seniors how to use PAY

 

[ApplePhy]

https://www.youtube.com/watch?v=Cu1JMbSLPvc

It hasn't even come out yet. Give it a few years before declaring it a rousing success.

Apple has been known to develop great ideas and royally F up the execution.

Examples?

 

[charlituna]

Mostly because it's not super clear that my credit union Visa won't work. This is in contrast to how google wallet seems to work with any credit card

Does google wallet actually use and transmit the real credit card number. If so, that's why it is less fuss. Apple pay needs the banks to be able to create the alt id etc

 

[Böhme417]

So Apple pay will only work with a handful of the largest banks in the nation? Suddenly it becomes useless to anyone using a slightly smaller, or regional, bank... Kinda pointless if BANKS have to opt in, too; it is bad enough that retailers have to opt in (if more understandable).

I thought so and was a little disappointed that I wouldn't get to use it right away. However, I contacted my bank, which is not listed as a participating bank, but the rep said they expect it to be available to their customers as soon as Apple Pay becomes available. I guess we shall see.

 

[SusanK]

i'd like to see a video of an Apple rep trying to explain to seniors how to use PAY

The service works the same regardless of customer age.

 

[cocky jeremy]

Well, if that doesn't get them going...

They're already "going". They replied and said they're working to implement it as quickly as possible... as any company with any common sense would do.

 

[charlituna]

Is this going to be available outside of the United States?

Eventually. There are all kinds of banking rules etc that Apple has to work with to launch in a country. So they started with the US and will expand.

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Seeing as many retail outlets have already said they've no current plans to implement, could be a bust until they open NFC capability to everyone.

Maybe 50 retailers have said they have no current plans. So what. That's a drop in a huge ocean. Many more have said nothing or are on board.

Companies are cautious. Nothing wrong with that. After three major hacks in a year no one is jumping for a new and untested system. Let someone else be the guinea pigs. Once the system is prove not to crash and burn in the first few weeks more and more companies will come on board. Especially with the Oct 2015 deadline looming.

 

[diamond.g]

I think it would be really cool for Apple to make their own "Quicken"-like personal finance software for the iPhone/Mac iWork suite that would automatically interface with your Apple Pay purchases to analyze your finances.

Wait, I thought Apple has no idea what you are buying, how can they make a Mint replacement if they don't know what you are buying?

Does google wallet actually use and transmit the real credit card number. If so, that's why it is less fuss. Apple pay needs the banks to be able to create the alt id etc

GW uses a virtual Prepaied MasterCard for the transaction. I presume like other pre-paid cards if there were funds on the card (supposedly there are none till you use it) then you would lose whatever is on the card.