Exactly. Express Transit for credit cards on specific networks is an improvement, but EMV is so error-prone and slow with reading/processing compared to native MIFARE and FeliCa transit cards in Apple Pay, like Suica.
It'd be nice to see more transit networks work with Apple to implement native support for their MIFARE/FeliCa cards, but the companies don't appear to be technologically organised and modern enough to do it.
TfL doesn't want Oyster to be in any of your wallets. Simply, contactless costs them less.This sounds good, but most London travellers would like the Ouster cards to be in our Apple wallets.
Actually, contactless transit usually does involve processing a real time EMV transaction. If you have a modern bank/credit card provider that provides real time credit card statements, you'll see the transaction appear on your card instantly (e.g. American Express, MasterCard with banks like Macquarie, etc) - not just a notification from Apple Pay, an actual entry on your credit card statement in online banking. Source: my real life here in Taiwan.
Offline Data Authentication
The enhanced Oyster terminals can complete secure cryptographic EMV authentication for each transaction made by card or mobile device entirely offline without exchanging keys or data with remote servers. As such, the system is highly resilient against counterfeit attempts while maintaining the transaction speed necessary to allow high volumes of passengers to move through the transport system at peak hours.
Mastercard recognises that most transport providers charge fares based on the distance the customer travels. For each journey, a cardholder must tap in to the transport system, travel between stations, and then tap out, only charging a fare after the second tap. To reflect this, Mastercard introduced an aggregation rule enabling TfL to offer daily and weekly capping, and charge each payment card on a daily cycle once these caps have been applied. More generally, the rule gives transport providers the flexibility to offer a range of other fare constructs such as free transfers and time-based tickets.
But it's a worse user experience: slow reads, mis-reads, requirement of having a credit card, or a supported debit card, etc (rules out many people in vulnerable categories). The ability to easily add an allowance of money for kids to use, or a weekly pass, etc on a native card is much more flexible.
Japan is the land of the overcomplicated poor-UX solution. I can use contactless and draw from my main credit/bank account without dealing with the hassles of recharging a separate quasi-bank account.Those who think otherwise generally haven't lived in an environment with FeliCa or similar, or where transit cards can be used for every day purchases as well (e.g. Japan).
When it’s rush hour, and you have hundreds of people behind you, even TouchID is slower than using contactless on a bank card. I welcome this feature.
I’ll check Kings Cross St Pancras out todayI can confirm that it worked at King’s Cross St Pancras and Paddington stations this morning using my Apple Watch. Looks like it’s going live across London.
It seems more reliable than the Apple Pay method, which sometimes didn’t register correctly at the gate.
Spoken like someone who hasn't lived in Japan.
I said above prepaid debit cards are readily available. You didn't want to read that.What are you going to do, give your 11 year old a credit card to ride the train to school?
Same. Not interested in arguing somebody who's used exactly one system in their life and insists they've seen the whole world.I'm out of this thread. There's no point trying to have a discussion with a "forum expert" who has no real world experience of the subject matter.
Nope, very familiar with Asian stored value systems. Used one that predates Japan. It's an additional complication and a pain.
If you didn't know the Japanese system was late to the game thanks to not-invented-here. It was an Australian company that invented RFID stored value transit systems.
You haven't used London or Chicago's systems. One card, tap and go. No setup, no transfers. You claiming they are "slow" and "error prone" shows you are inexperienced.
It's typical Japan. Multiple cards and accounts. One for transit, one for tolls, one stored cash value, one for credit...
https://en.wikipedia.org/wiki/Suica#/media/File:ICCard_Connection_en.svg versus Visa/Mastercard/AMEX.
Even in the Tokyo region, you have SUICA and PASMO, which are not interchangeable since you have to get the right one for season tickets.
I said above prepaid debit cards are readily available. You didn't want to read that.
Same. Not interested in arguing somebody who's used exactly one system in their life and insists they've seen the whole world.
in order to help you understand more accurately, this useful blog might be of help to you.
Ok so let’s all just hope hackers out there don’t discover a way to fake their own “Express Transit” to start siphoning our money just like our contactless bank cards are exposed nowadays ☺??♂️
You clearly have never used London’s tube. You’re not allowed ‘a few seconds’