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I think if you had $500 plus dollars they'd take the cash over the phone. Especially if they're fandroid muggers.

I don't carry around a lot of cash, which is why I carry around a credit card. It takes me less than 10 seconds to remove it from my pocket and press it against the sensor for immediate payment.

The best part? You don't need an iPhone to use it...

I have yet to meet a single cashier that can remember my full name from a cursory glance, never mind the 16 digit number. Even if Apple Pay was available in Canada, I'd still use my credit card -- just as secure, and a heck of a lot quicker.

There is truth to this statement. Using a CC seems faster. More secure? Not sure I care since I can dispute any charge made to my card. Until this changes, I think I'll stick to my CC.
 
Apple Pay looks amazing and way less of a hassle than having to haul around heavy and outdated plastic cards :rolleyes:

I don't carry plastic these days. For me Apple pay is a step in the right direction. I welcome it. Sci Fi is here. One device to rule them all haha Apple killing so many single use devices.
 
Anyone tryed to acquire a photocopy of a credit card? :eek:
If successfully done, which is the barrier to this kind of fraudulent action? :mad:
 
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.

You said Google sells personal data, the search and map data that they sell is NOT personal. It would make absolutely no sense for Google to sell the raw data which they use to make their own services possible. Google is going to keep that data to themselves and use it to generate a continuous revenue stream through the services, personal data is considered more valuable than credit card information for this very reason.
In short, if Google sold the personal data they would get a one-time payment, by keeping it they can keep using it to get paid over and over.
 
everyone like a Big Mac.... only u can now do in in rush hour too :)

All the commotion of Apple Pay, anyone would think fiddling for notes was a 'Big deal' ... or a nuclear bomb falling...
 
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.

Gotcha. Make sense now. Thanks for the info! Guess I was just overthinking it! :)

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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.

Thank to you too. Makes sense now.

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I have yet to meet a single cashier that can remember my full name from a cursory glance, never mind the 16 digit number. Even if Apple Pay was available in Canada, I'd still use my credit card -- just as secure, and a heck of a lot quicker.

I'm not so sure about this statement that using a Credit Card is just as secure. With a credit card, your name and credit card number is captured at the terminal and sent to the back end system (unencrypted in a lot of cases). This is how the Target systems were breached here in the US. Some malware was installed and hidden on the payment processing system, and it captured that info as it passed from the terminal to the backend before it was encrypted.

With Apple Pay, the name and card number are never sent from the terminal. Only a one time allocated unique, encrypted PIN. That PIN cannot be reused for any other transaction. So if the terminal had the same Malware on it, and it captured that PIN, it would be useless for future purchases.

To me, that seems a lot more secure than using a Credit Card. Just my thoughts.
 
You said Google sells personal data, the search and map data that they sell is NOT personal. It would make absolutely no sense for Google to sell the raw data which they use to make their own services possible. Google is going to keep that data to themselves and use it to generate a continuous revenue stream through the services, personal data is considered more valuable than credit card information for this very reason.
In short, if Google sold the personal data they would get a one-time payment, by keeping it they can keep using it to get paid over and over.

How is search data not personal? Everytime you are logged into Google and do a search you are giving them tons of personal data. This data is then targeted back at you through advertising. You can call it whatever you want but I consider it data that is "sold" because advertisers are paying for the service that Google offers.
 
Anyone tryed to acquire a photocopy of a credit card? :eek:
If successfully done, which is the barrier to this kind of fraudulent action? :mad:

You don't have to use the camera to import a card. You can just type the number in manually. So taking a photo of the card is not a security feature.

There are some actual security features present when adding a card. These are detailed in Apple's latest iOS Security Whitepaper. The simplest example is that you need to know the CVV code (security code) located on the back of the card. Another one is that Apple also sends coarse geographic information to your bank, which can use that to determine whether to allow adding the card to your device or not. If your bank knows you live in California and someone is trying to add your card to a device in Florida, they may deny it or at least require additional authentication steps.

Additionally, as part of the Link and Provision process, Apple shares information from the device with the issuing bank or network, like the last four digits of the phone number, the device name, and the latitude and longitude of the device at the time of provisioning, rounded to whole numbers. Using this information, the issuing bank will determine whether to approve adding the card to Apple Pay.
 
How is search data not personal? Everytime you are logged into Google and do a search you are giving them tons of personal data. This data is then targeted back at you through advertising. You can call it whatever you want but I consider it data that is "sold" because advertisers are paying for the service that Google offers.

Advertisers pay Google to target their ads at the audience Google calculates is the most appropriate, the advertisers never know which individuals get targeted and certainly doesn't get any of their personal information. Google doesn't sell personal data anymore than newspapers sell personal data about their subscribers when advertisers put ads in their paper.
Btw, how do you think iAds work?
 
Both me and a co-worker tried out Apple Pay at McDonalds a few ours ago. It just worked like a charm. it was dirt easy. Cash would definitely not be faster. Card would not be faster.

You have a $1,000 phone yet you can't even spell correctly? Sell that iphone and use the money to maybe go to school.

It's "hours" not "ours." lol!
 
According to various Apple documents, using a PIN should also work. At least, on devices without TouchID.

Anyone care to turn off TouchID and see if payment will ask for a PIN?

Thanks!

Actually, within Passbook users can tap the (i) when a card is displayed and disable "Show On Lock Screen" for more security. For this, iPhone 6(+) is not required.

Within "Touch ID & Passcode" there is an option to "Turn Passcode Off." For more fine control, scroll further down to the "allow access when locked" section and disable Passbook.
 
Within "Touch ID & Passcode" there is an option to "Turn Passcode Off." For more fine control, scroll further down to the "allow access when locked" section and disable Passbook.

Thanks for the reply. What I wanted to know, was if Apple Pay worked if TouchID was turned off.

In other words, if it would then ask for a PIN when touched to the merchant's NFC terminal.

Or, is Apple Pay disabled if you turn off TouchID on an iPhone 6.

(The other phones without TouchID will be able to use just a PIN, which is why I ask.)
 
Wow! This is the future! It just works the 3rd time with passbook opened. 10x apple!
 
Thanks for the reply. What I wanted to know, was if Apple Pay worked if TouchID was turned off.

In other words, if it would then ask for a PIN when touched to the merchant's NFC terminal.

Or, is Apple Pay disabled if you turn off TouchID on an iPhone 6.

(The other phones without TouchID will be able to use just a PIN, which is why I ask.)

I follow the logic but have a 5s, not 6 so I can't confirm from personal experience.
 
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