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Apple Pay With iPhone 6 Demoed in McDonald's Purchase
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Yes, because that won't ever happen in real life in the first day or two that people try to use it.
If you want a highly produced example of how this works in fairy tale land I'm sure you can find something on Apple's website.
MR is trying to imply that with google wallet or chip+pin cards, the store gets a copy of your name and cc# .... Which is false.
This is what I feel the Apple Watch is going to be like. It's just going to be awkward. Will probably get you iMugged as well.
we have the equipment and systems in place. We've had them for ages now. Look closer at till points and you will see the sign for contactless payment or NFC or what ever its called. We are actually in front of the US with installations.
Speed is really a small part of Apple Pay; it's more about security of accounts.
Not sure where you live, but not where I live. Can't say I've ever gotten mugged, not even in Chicago's Loop.
Yeah, this is what takes the longest with the NFC. You can't use it until the NFC Terminal is activated and looking for an NFC card. So, you've got to get the cashier to input the payment type before you can scan it. In most (not all) places, you can swipe your credit card and the terminal will hold your card info while the transaction gets to the payment stage. With NFC, you can only use it once you get to the payment stage.
And that's why swiping can be faster (currently): dual workflows.
What would be a good addition to NFC terminals going forward would be an "activation" button the customer can press to wake up the device while the cashier finishes tallying up the order. Or maybe we've just been too impatient and not attentive to order totals in the past. Perhaps slowing the process down will help us be more mindful to check the total to make sure everything "jives".
And that's why swiping can be faster (currently): dual workflows.
What would be a good addition to NFC terminals going forward would be an "activation" button the customer can press to wake up the device while the cashier finishes tallying up the order. Or maybe we've just been too impatient and not attentive to order totals in the past. Perhaps slowing the process down will help us be more mindful to check the total to make sure everything "jives".
That one they showed in the September iPhone special event. A woman is checking out of a department store and fishes out her wallet, goes through a bunch of steps to get her credit card transaction authorized, etc. versus using the phone.
The cashier isn't the issue.
While processing a credit card payment in an integrated PoS system like McDonalds, the credit card info is decrypted at least briefly.
In the Target breach, software was installed remotely onto their PoS system to capture the credit card info for the brief period it was stored in memory, unencrypted.
Using the EMV tokenization standard replaces the credit card info with an alias, and adds a one-time cryptogram that renders the alias useless except for that transaction.
This is what I feel the Apple Watch is going to be like. It's just going to be awkward. Will probably get you iMugged as well.
I'm older now so I don't get embarrassed too much about "awkward" scenes. especially one as cute and innocuous as this one. But i do remember being 13 or so and being basically embarrassed a lot of the time over nothing. That's being young and trying to be cool and perfect all the time. It's a lot of pressure but it is still better to be young...
It you're paying with an Apple Watch then you can't extend it quite as far as an iPhone, since it's on your wrist, not in your fingertips. But at least you can't accidentally drop it.I hope they hold it into my car through the window in case I drop the phone
Yes, but people are probably more used to using it with their contactless cards, etc. It's still a novelty here, so anything "new" has a better chance of taking off, while at the same time Apple can work out the quirks before launching it worldwide. Banks need to sign onto it, etc. because it uses tokenization.
I went out to a McDonalds today at lunch an hour before this guy. I didn't record the experience but mine went much smoother than his even. I did not have the Phone awake or the app on. As I moved the phone closer to the NFC, I had my thumb already on the button so it scanned, opened the app and gave me the verification check instantly without having to do anything else.
After that I decided to try Petco across the street but I had a less positive experience. When I trie to pay for my dogwood there, as I approached the NFC terminal, my phone vibrated and I got the verification check but the cashier said nothing went through. I tried again and got the same thing. Then she said that their NFC terminal hasn't worked in years. Obviously there was a hardware handshake but their POS software must need an update for Apple Pay and probably any other NFC payment system.
But it's interesting (and a little scary) how I got a confirmation twice even though no purchase ever went through. What's preventing them from lying to me and telling me to run it again? I can only see the receipt if I look in my info box in Passbook. Otherwise, I'm at the mercy of the cashier who could be lying.
Any thoughts?
After that I decided to try Petco across the street but I had a less positive experience. When I trie to pay for my dogwood there, as I approached the NFC terminal, my phone vibrated and I got the verification check but the cashier said nothing went through. I tried again and got the same thing. Then she said that their NFC terminal hasn't worked in years. Obviously there was a hardware handshake but their POS software must need an update for Apple Pay and probably any other NFC payment system.
But it's interesting (and a little scary) how I got a confirmation twice even though no purchase ever went through. What's preventing them from lying to me and telling me to run it again? I can only see the receipt if I look in my info box in Passbook. Otherwise, I'm at the mercy of the cashier who could be lying.
Any thoughts?
Yea...Apple Pay is sooooooo much FASTER and EASIER to use then removing that credit card from your wallet, swiping, and inserting back into wallet. That was sarcasm if you didn't catch that.
For most purchases in the USA that are under $25 (which would very likely be Mcdonalds for 2 or less people on 1 order), there is NO SIGNATURE for credit card transactions.
But even the signature process would take 3-5 seconds on the POS units. Paper might take a whopping 7 seconds to print and sign.
For most purchases in the USA that are under $25 (which would very likely be Mcdonalds for 2 or less people on 1 order), there is NO SIGNATURE for credit card transactions.
But even the signature process would take 3-5 seconds on the POS units. Paper might take a whopping 7 seconds to print and sign.
For me, it's more about having access to my payment methods without carrying around the cards than it is the speed of handing over cash or swiping a card vs. paying withPay.
I agree with you here. Plus, my cards magnetic strip is pretty warn out that cashier always have to sweep more than once to read the card.
Also, isn't magnetic strips on cards make it less secure? I know are European friends cards don't even have magnetic strip cards or am I wrong on this?
Depending on the implementation of the PoS system, it is indeed true.
That's how the Target breach occurred: the credit card number, CVV, and name were briefly stored in memory, unencrypted. A trojan/worm had been installed on the PoS terminals to capture that info and send it outside the store's network.
There was also a breach in the UK a number of years ago, where the handheld terminals were somehow modified during or after manufacture, and captured credit card info even from chip/PIN cards and sent it to a server in Pakistan, using the cell phone network.
