With plastic I often get a message to wait for cashier. Cashier does something and I can proceed. Usually notice at supermarket when cashier starts bagging purchases before cc is processed.
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Apple Pay With iPhone 6 Demoed in McDonald's Purchase
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With plastic I often get a message to wait for cashier. Cashier does something and I can proceed. Usually notice at supermarket when cashier starts bagging purchases before cc is processed.
Paying will be even easier with the Magic Apple Ring.
I'm holding out for the ring. Waving the phone is time consuming.
Apple pay looks great, although I was surprised by the lack of manners in the video.
Do you want tomato with that? NO! HOW DARE YOU ADDRESS ME, PEASANT!
Do you want tomato with that? NO! HOW DARE YOU ADDRESS ME, PEASANT!
You know, I was wondering who was the most important person in this thread. Now I know!
Substitute for credit card
Apple Pay is really for transactions that you would normally pay for with a credit card.
Saying money would be faster misses the point. Sure, I would use money to pay at McDonald's because i usually have $20 in my wallet at all times. But, my grocery bill of $150 - $200 at Wegmans would be totally suited for it because I pay that with a credit card. Now, those kind of purchases are SECURE! That's the point!
Apple Pay is really for transactions that you would normally pay for with a credit card.
Saying money would be faster misses the point. Sure, I would use money to pay at McDonald's because i usually have $20 in my wallet at all times. But, my grocery bill of $150 - $200 at Wegmans would be totally suited for it because I pay that with a credit card. Now, those kind of purchases are SECURE! That's the point!
Thanks for the responses to my question. I understand the hardware part about as long as they have an NFC terminal, it can be used. But doesn't the vendor need to have something on the software side to understand how to accept the Apple Pay information, and how to handle it and where to send it in order to get paid, considering that the Apple Pay info doesn't contain our name, card number, etc, since it's just an encrypted key? How does the vendor know that the key that Apple Pay supplies is part of Apple Pay, and to route it through the bank of the registered card? Or am I just over thinking this? (it's entirely possible!)
Meh....
I see that my Juniper MasterCard won't even let me add it to Apple Pay. Says it's unsupported at this time. Nice, considering that's the card Apple themselves partnered with a long time ago to offer the 0% financing for X number of months purchases on new Macs.
I see that my Juniper MasterCard won't even let me add it to Apple Pay. Says it's unsupported at this time. Nice, considering that's the card Apple themselves partnered with a long time ago to offer the 0% financing for X number of months purchases on new Macs.
Science. And an assumption that hands are alive. Vs the cash, which I've also assumed is not.
There's no need to be rude!
Pizza sheet!
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Your bank must not like Apple's terms and financial structure for
Pay.I use my rewards credit card as much as possible for my purchases - even for a $2 coffee at the counter on the ground floor of the building in which I work. McDonald's, I think, has no lower limit at all for credit card usage (I would guess that they have a very good agreement with the credit card banks because of the enormous volume).
it will come to a point where cards will not be used..just like cheques are not accepted anymore..And cash will also slowly fizzle out, this will prevent money laundering and governments will have total control over your account.
what I want to do is order the food with my phone prior to going to the till at mcD..as I walk in scan my order and pay at the same time and go collect..instead of waiting there...spending ages thinking what I want then paying...Can anyone make and app for that !
NFC requires a SMARTPHONE with a CHIP inside of it. You people with iphone 6/s are really on a high horse with this "revolutionary" new payment system. The majority of people in the world don't even have smartphones.
So if shopping someplace where apple pay is accepted makes you people with iphone 6's feel special, go ahead and go shopping there. But it's not going to magically become accepted everywhere just like cash is accepted everywhere.
Cash is never going away.
And yah, your card information may not be stored on the phone, so maybe none of your "money" will get stolen, but people are more likely to steal or mugg someone for an iphone than they would for cash. An iphone 6/6+ is $800-$1,000, if someone steals your wallet, they won't get more than 20 bucks and you can cancel your cards and get the money credited back to you. If someone steals your precious little iphone 6/6+, Apple will not give you a new phone. first of all they can hack it and get any information they want. If you use your phone to make payments, say hello to identity fraud. If you check your online bank website (or if you use an app for banking) then say hello to identity fraud!
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Why would they forfeit anything? Apple pays to use Google search data and they used to pay for the map data. That's the same data that Google uses for their own purposes.
Why should I believe that Google doesn't also sell data to retailers willing to pay? It's not like they're competing with Google retail. Maybe it is FUD but it's Google's job to clear up the confusion and alleviate consumer concerns. They're doing a poor job whether it's true or not.
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You're right but when I use Apple Pay, I'm already touching Touch ID so it just goes through using my default.
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Hey stupid, I did post my observations and even asked a question but you wouldn't know that because you're so smug and anxious to attack.
The thing about time is that they're your 30 seconds too. I wasn't posting in a vacuum but rather to express my shared opinion. And I bet at least one person didn't bother wasting their 30 seconds because of my post. You're welcome.
Didn't watch the video but tried it for myself today instead. It was marginally faster than taking my card out. For a McD's purchase, usually I'd take my wallet from my right back pocket with my right hand, pull out the card with my left and hand it to the cashier, they'd swipe it and hand it back to me. This way, I pulled out my phone from my right front pocket with my right hand, and held the phone over the NFC reader for a couple seconds as the cashier pressed "apple pay" or whatever they do. Basically the savings were in taking the card in and out of the wallet so it could be swiped.
Places that typically require you to enter your PIN or sign your signature will benefit more from this as the time saving is way more obvious. I strongly dislike waiting in line while some boob writes a longhand signature in front of me or mis-types their pin and has to start over.
Overall, I thinkPay is a positive thing. I don't think there are many arguing that it is not, but scanning this thread there's a lot of negativity.
Places that typically require you to enter your PIN or sign your signature will benefit more from this as the time saving is way more obvious. I strongly dislike waiting in line while some boob writes a longhand signature in front of me or mis-types their pin and has to start over.
Overall, I think
Pay is a positive thing. I don't think there are many arguing that it is not, but scanning this thread there's a lot of negativity.
Actually not. If you secure your phone with an alphanumeric password, iOS 8 is virtually unhackable. It would take upwards of 5 years to brute force and get any info out of it since all encryption/decryption happens in the phone's Secure Element; you can't do the bruteforcing on any other computer to speed up the process.
So yeh it's pretty secure. You also have other elements at your disposal including remote wipe.
The fact of the matter is Apple pay is not an Apple invention and so your thinking will be correct. Apple pay is just a good implementation for a new NFC system and so if the vendors just get the newest NFC terminals it should work out of the box especially that all the backend is taken care of between apple and the origional suppliers of the services.
The laws in USA will make the vendors liable for fraud if end of 2015 comes and they have not upgraded their systems to accept EMV cards and so you will so Apple pay support going exponentially during the next 12 months and vendors who are opting out now will also support it because this is the way it is. Also the system work worldwide. Yes apple said it is for US only which I believe is just a soft limitation but if you take your US iPhone with cards added into the system you will be able to use the NFC system (Apple Pay) anywhere in the world and you will be amazed at how many places in the world that actually have NFC enabled terminals and they will accept the payment as the backend is the same.
Not sure if anyone posted this but the guy who posted the original video posted a second one because of questions on YouTube about not paying from the lock screen.
https://www.youtube.com/watch?v=ZPBYKW7Dq5g&list=UUvv2vYEtk7VSR5iE30WsNbQ
https://www.youtube.com/watch?v=ZPBYKW7Dq5g&list=UUvv2vYEtk7VSR5iE30WsNbQ
From what I understand the merchants don't have to do a single thing to support Apple Pay. It just works like any other NFC-enabled devices (Google Wallet, Contactless Credit/Debit Card). I'm just guessing, but the issuing banks are the one who handle the info and pay the merchants. I used Apple Pay yesterday using the NFC payment terminal inside a NYC taxi and it worked perfectly. I'm pretty sure the taxi company did nothing to their existing payment terminal pre and post Apple Pay.
Lol Apple Pay is never going to replace cash. I don't think anything will be able to replace cash anytime soon. And to be honest, Apple Pay is not meant to replace cash. It meant to make existing way of paying with your credit/debit cards more secure and I would say convenience depending on the individuals who use the service.
If you think a normal ordinary thief can extract info from an iPhone and use those info, you really don't know anything about Touch ID, Secure Element and everything inside the an iPhone. A smart one, who, let say know how to crack an iPhone password or "decrypted" the information stored on an iPhone, I doubt he'd choose stealing as a choice of his career. Apple Pay is just giving you the peace of mind knowing that when you use the service, your info is safely protected, comparing to any other ways of paying. And because it's easy to use, many customers will find it adoptable and making it (paying with Apple Pay) a habit.
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To the stressed hyper frenetic person, time saved is life or death.
Just think of the lives this phone will save...
Yeah that's it.