Most things like this take about a year or so. Think about it: the iphone is the most popular phone, and if all iphone users have this new payment method, then most vendors will be wanting to let them pay. We made credit cards, and most stores accept all cards, no problem. I think that it will take a little while, but it will be pretty easy to do this sometime soon in the future.
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Apple Pay: Who's gonna use it? Lets get it going!
- Thread starter Killeroy
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Most things like this take about a year or so. Think about it: the iphone is the most popular phone, and if all iphone users have this new payment method, then most vendors will be wanting to let them pay. We made credit cards, and most stores accept all cards, no problem. I think that it will take a little while, but it will be pretty easy to do this sometime soon in the future.
someone used your info + made charges? i shop at target all the time, i use amex so i guess i don't worry ever, am i too un worried?
can not wait to use NFC payments! i just bought a nice wallet though, oh well! love the BLT's at subway!!
https://www.apple.com/apple-pay/
from apple PR:
https://www.apple.com/pr/library/2014/09/09Apple-Announces-Apple-Pay.html
Apple Pay supports credit and debit cards from the three major payment networks, American Express, MasterCard and Visa, issued by the most popular banks including Bank of America, Capital One Bank, Chase, Citi and Wells Fargo, representing 83 percent of credit card purchase volume in the US. In addition to the 258 Apple retail stores in the US, some of the nations leading retailers that will support Apple Pay include Bloomingdales, Disney Store and Walt Disney World Resort, Duane Reade, Macys, McDonalds, Sephora, Staples, Subway, Walgreens and Whole Foods Market. Apple Watch will also work at the over 220,000 merchant locations across the US that have contactless payment enabled. Apple Pay is also able to make purchases through apps in the App Store℠.
Last fall/winter Target had a major POS system breach and I forget the number but I think it was a couple million cards were compromised. I have no proof my card was in that bunch but we had been shopping at Target a TON during that timeframe and I ended up having a couple of fraudulent charges via my check card in December.
Where are you going to keep your driver's license? Prescription card? Medical insurance card? Car insurance card? Cash? Real cards that will work when your phone dies? Frequent _______ card? etc.
I thinkPay will have a place, but I don't see it replacing wallets at all unless all you own is a credit card and smile.
Car Insurance is Digital through Progressive (California allows you to provide Digital copies of your insurance to Police if pulled over)
Medical Card is stored in my Contacts list under my name and medical ID.
As for Cash, I think the only time i carry cash is if i take my mom to yard sales or travel to foreign countries.
Cant stop the progression of technology and Apple is bringing it mainstream with
Pay
Google uses a single virtual credit card number to access your real cards. That can be considered a token, because it's not the real account number used to pay.
They also use temporary downloaded tokens to create the authentication cryptograms.
Apple Pay uses a single virtual credit card number for each credit card you have registered. These are tokens, because they're not the real account number used to pay.
For both Apple and Google, the real account numbers are never stored locally. What is sent with the transaction is the replacement token account number, which hides the real credit card number from the merchant.
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For both Apple and Google, the virtual account numbers have a specific bank identifier prefix so systems know how to route them, a random account number middle, and a check number at the end.
To simplify things and due to limited number ranges, neither Apple nor Google seem to change the virtual number all the time. There's no reason to. It cannot be used without being able to duplicate all the other one-time challenges and cryptograms.
The primary purpose of using a virtual account number at NFC terminals, is so that merchants will not store the real number.
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There are variations where a new token is used over the internet for each purchase, or that has a limited life for a certain merchant or transaction type, and so forth... but those are not used for the standard NFC payments we're talking about.
An interesting thing is that when you submit a card to be included in your Apple Pay, the credit card brand not only sends back the token, but also card graphics that the issuing bank has submitted for display.
One question that has not been answered yet, is how the Secure Element token information can be transferred between Apple devices, if at all. Apple says they don't keep the CC numbers, but perhaps they keep the tokens and graphics, so we could more easily back up and restore to a new device.
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It "should" but some Paypass readers are not enabled even though they are on the card reader terminal.
And yet another breach. http://krebsonsecurity.com/2014/09/jimmy-johns-confirms-breach-at-216-stores/
Come on, Apple Pay!
Come on, Apple Pay!
This. If said places can be pressured into accepting it, then I think the chances are much greater. But it will take a lot, and I'm not sure even Apple can change the minds of the places that most people would want to use it at (Walmart, Best Buy etc.)
What about if you get pulled over, or you get carded at a bar? Your drivers license would be where?
Lets see how it plays out. For the iPhone 6, its looks like a US only feature. Still waiting for iTunes radio
Currently I have contactless in the UK, and that is awesome, even simpler than Apple pay. Not sure how I would feel about using Apple pay for simple transaction v contactless.
Only problem we have is the limit of £20, touchID i assume would increase this as the finger print authorises payment. Odd thing is the UK are well ahead with contactless payments so it's odd were waiting for Apple Pay to come (I assume the rest of Europe is up with contactless as well - but I've not been abroad for a while so apologies to our neighbours for my ignorance).
I'd like to get a slim card case for the phone where I could tuck my ID and a physical card. It looks like Spigen has one that's fairly slim. Even if it makes the phone larger it would still be less weight and thickness than carrying my phone and wallet at the same time. Then keep my Amex and Visa both tied to Apple Pay. If I get carded at a bar I'll take that as a compliment or a very stupid bartender as I don't look anywhere near 21 unfortunately.
Or, I could also leave my license in a physical wallet along with some spare cards in the storage area of the center console of my car, then just carry my phone.
You live in 1940's Germany? I live in a free country where I don't hear "stop! Show me your papers!"
I don't have to carry any ID. I can be asked to provide it later at a station. They tried to bring in ID cards we said no.
I will use it as much as possible simply to reduce CC theft. My card info has been stolen twice in the last year, in addition to having possibly been stolen from Target and Home Depot. I was very happy to see a notification from my bank that they're embracing this feature from Apple.
no.... i live in the usa... I always have to have my ID. There could be serious consequences if I don't. If I get pulled over, I think I'm allowed to have 24 hours to procure my ID if I don't have it, but I'm afraid that I'm incorrect about that or something. I would hate to get pulled over, and find that I actually need my ID at that present moment.. I would hate to think of what they would do
This is my issue. I am very excited to use Apple Pay but I would bet that the NC Credit Union will be five years behind on implementing this. I am actually considering getting an account at one of the gigantic, steal all of my money banks just for this feature.
Im definitely on board for apple pay! I just hope retailers are going to be on board. Gas stations having it would be great!