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Apple Pay With iPhone 6 Demoed in McDonald's Purchase

tillsbury said:
Not quite true, some of that. Perhaps your education system is a little too pro-American. Yes, people used to call anyone with a cell phone a poser in the late 80's, that's because they were. But at least with a cell phone in the UK you could call anywhere from anywhere, there weren't different competing companies in each city or state that wouldn't let you call somewhere else. Telephones in the 50s and 60s were similar in many countries, with the introduction of direct dialling and international direct dialling at similar times.

Also, don't forget that Australia (which you picked) is about the same size as the continental US, and yet the technology has to be provided with a customer base of only a fraction of California's population. That doesn't make life any easier.

Still not entirely sure what "our having done it first" is about. Do you mean replacing food with McDonald's? Yes, you did. Thanks for that...
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I'm quite aware about the size of AU as I've spent quite a bit of time there. It isn't about size, its about financial logistics. It would be like everyone in California running out to buy a new car just because the new cars have GPS. It just is not possible.

And what I mean by having done it first I mean just that. For example, I spent a year in Cambodia a few years back. EVERYWHERE I went I had 4-5 bars on my phone. Thats because all of the towers there were brand new, fiber based relay systems. All of them had been installed in the previous 5 - 8 years installed by US contractors. So this means that technically, Cambodia is ahead of the US, correct? It also means that Cambodia is benefiting from all the other places that installed Towers previously. I don't care who invented what.

If you buy a car this year and you neighbors buys one in three years, your neighbor is going to be ahead of you technically because thats the way tech works. It also doesn't mean that you should run out and buy a new car just to keep up with your neighbors.

YES, the US is lagging behind in some tech, not be cause it isn't available, but because logistically, replacing all those terminals is a friggin nightmare. I had internet access back in the early 90s via dialup and then ISDN, and then T1s, etc. But if you got internet in the late 90s and early 2Ks, you probably got Fiber or at the very least, cable, because it had been invented by then.

Its all about perspective.
 
Pay Attention to photocopy

Obviously also acquires a photocopy of a credit card!

The kids will copy the cards of their fathers, the husbands the cards of their wives, the cousins​​, the colleagues, ... I just want to know how, without a sistematic double identification, what is the defence from this "phenomenon" ;-)
 
adgjqetuo said:
Question:

When the register ready for payment does the phone automatically wake up and just ask for your approval fingerprint, or do you have to have passbook already up and waiting beforehand?

The guy in the video had his card already up on screen before making the purchase. I was under the impression the phone automatically poped up with your default card.
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I haven't used it, but my understanding from seeing other demos is that when you put the top of your phone close to the NFC chip in the terminal it wakes the phone and opens the passbook screen. If you have your finger on Touch ID it will immediately process, but if you don't have it on there you will be shown a screen where you could change cards prior to processing with your finger.
 
So I tried Apple Pay this morning with a Debit card and in my brain it hadn't clicked that I will still need to use my PIN after using. It also appears Walgreens hasn't gotten all their bugs out, it charged against my checking account TWICE with the same amount and same transaction number which when I spoke with my bank was told the second charge will roll off, but still isn't cool to have two charges for same thing against checking.

I guess in the end we are all Beta Testers but its pretty straightforward to do.
 
are receipt-less returns still possible?

ie I lost my receipt, but since I payed with a credit card I can return the item at a store because they have a record of the transaction based on the card used.
 
opfreak said:
are receipt-less returns still possible?

ie I lost my receipt, but since I payed with a credit card I can return the item at a store because they have a record of the transaction based on the card used.
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I use my Amex for nearly everything and every time I have had to return something, they just ask for the card.

Now it gets interesting if you are disputing getting overcharged for something after the fact, not sure how that would work.
 
KiwiAdventure said:
If your battery goes flat or you cell site goes down then you are stuffed.
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:apple: pay doesn't require a network connection for a point of sale transaction. Everything goes through the merchant's terminal.

Adding a credit card to Passbook contacts a server to generate the token, but that's a one-time operation.
 
opfreak said:
are receipt-less returns still possible?

ie I lost my receipt, but since I payed with a credit card I can return the item at a store because they have a record of the transaction based on the card used.
Click to expand...

NCWildcat said:
I use my Amex for nearly everything and every time I have had to return something, they just ask for the card.

Now it gets interesting if you are disputing getting overcharged for something after the fact, not sure how that would work.
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I rarely have to give my card if I make a return these days if I have a receipt.

But I'm talking about the case where I lose my receipt. With a credit card purchase I can give the store my card, and most will have a record of the purchase based on the card and I can make the return as easily as if I had a receipt.

Is that still possible with apple pay?
 
opfreak said:
I rarely have to give my card if I make a return these days if I have a receipt.

But I'm talking about the case where I lose my receipt. With a credit card purchase I can give the store my card, and most will have a record of the purchase based on the card and I can make the return as easily as if I had a receipt.

Is that still possible with apple pay?
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Just present your phone, like you would present your card.

The Device Account Number remains the same. It's the equivalent of the CVV that is dynamically generated each time.
 
ptb42 said:
Just present your phone, like you would present your card.

The Device Account Number remains the same. It's the equivalent of the CVV that is dynamically generated each time.
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Cool. Thanks.

Though that means that stores can still track your shopping habits.
 
I think people are going about Apple Pay all wrong. It just rolled out yesterday so it's not going to replace your credit card or cash entirely (some people still use checks!). The killer function of Apple pay is security with convenience. Neither credit card nor cash offers this. Eventually you'll be using mostly Apple Pay than your CC or cash and that is the goal.

Home Depot, Target, PF Chang's, Kmart, and possibly Staples were all hacked. What does it have to take to make people take security seriously?
 
Only seconds to use cash!

"it took only seconds for Ross to make the payment."

Wow! So amazing! Such advancement!

Of course, this is a tremendous improvement over handing a $10 bill to the cashier. Well worth the $500 for the iPhone.

So how many people buying MacBurgers at MacDonalds have MacPhones? MacGiggles around!
 
Windlasher said:
If you buy a car this year and you neighbors buys one in three years, your neighbor is going to be ahead of you technically because thats the way tech works. It also doesn't mean that you should run out and buy a new car just to keep up with your neighbors.
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Quite right. I just bought a new car. A 1986 Ford E-350 extended body van. It may look like ancient technology but it gets the job done and for the work I do with it the 1986 van is actually more fuel efficient than a 2014 Prius. The reason is that it doesn't matter what the mpg is, what matters is the cost of moving pounds per mile. The van can haul a Prius, or more importantly for us, deliver pigs, meat and back haul barley, pomace, etc. Not only is the operating cost lower than the Prius (less money/gallons spent to do the same work) but the purchase price was also about 1/20th of a Prius and that does matter. Total lifetime cost of ownership is lower. Environmental impact is lower. The van will also probably last another 30 years.
 
tgenius said:
So I tried Apple Pay this morning with a Debit card and in my brain it hadn't clicked that I will still need to use my PIN after using. It also appears Walgreens hasn't gotten all their bugs out, it charged against my checking account TWICE with the same amount and same transaction number which when I spoke with my bank was told the second charge will roll off, but still isn't cool to have two charges for same thing against checking.

I guess in the end we are all Beta Testers but its pretty straightforward to do.
Click to expand...

so its a pain in the ass when using a debit card? surprised at that. I would have thought it wouldn't matter. shame on a half assed job :apple:/banks:(
 
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