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Apple Restricting Use of NFC Antenna in iPhone 6 and 6 Plus to Apple Pay
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In the US, the banks supportingpay are making a big deal about it. My bank has the announcement on their home page. Others have reported seeing banners in the bank offices. A couple of banks quickly scrambled to announce they are working with Apple to implement it soon. US banks see
Let me explain why US banks make such a fuss about it - 1 thing - pressure on merchants to get new terminals.
This statement makes no sense to me. Banks don't make a fuss over Apple pay because of pressure on merchants to get new terminals. Banks have nothing to do with those. The people who will profit are companies that sell the Apple Pay capable terminals. No?
Don't use it often - but it has come in handy on my phone and tablet when I wanted to quickly share a link or photo with my wife.
Come over to Europe - we'll teach youWe already have this magic technology "invented" by Apple - it has been here for like a 5 years already
No you don't. Because any devices you have don't use apples patented secure enclave or apples patented tokenization system. Both of these are unique and protect privacy in ways existing systems cannot. I've analyzed both of these and written articles on the patents.
Locking it down makes perfect sense. They want apple pay to be the main standard, and if they let 3rd party payment solutions on there maybe some clever 3rd party would leverage the iPhone base and beat Apple at it's own game.
They'll open it up when they're the undisputed market leader and no one can catch up to Apple Pay.
They'll open it up when they're the undisputed market leader and no one can catch up to Apple Pay.
There is nothing for merchants to adopt. If they already have a NFC POS Apple Pay will work along with Google Wallet for other phones.
A couple of things make this a bit different:
- The Device Acccount Number is in a secure area of the A8 chip. So, if the device is somehow compromised, the DAN isn't available.
- The Device Account Number isn't the financial account number. If someone captures the DAN between the device and the issuing bank, it can't be used for fraudulent purposes.
pay transactions go directly to the issuing bank.Keyfob contactless payments are more than 10 years old in the US now. They were never particularly popular.
Lol.
Awww. How adorably myopic!
Sooooo..... umm, you've seen the future in your mind & contactless cards win out over NO CARD AT ALL?!
There isn't enough lol in my keyboard to describe how silly that assertion sounds to me.
I've never seen a feature so over hyped. A lot of businesses still don't use NFC and cash won't be going away for a long time if ever.
Also don't most of you already have a credit and or Debit card with NFC? It's just as, if not easier to use this because you don't need to get a correct finger scan.
Ya it's more secure, I guess, but I know my country/credit card is covered more more credit card fraud then I have a limit for on my card.
Also don't most of you already have a credit and or Debit card with NFC? It's just as, if not easier to use this because you don't need to get a correct finger scan.
Ya it's more secure, I guess, but I know my country/credit card is covered more more credit card fraud then I have a limit for on my card.
Really, half assed, something that's nobody has really used right now and that nobody's doing in such an integrated way? You lack adjectives and had to use that one?
If they keep their NFC locked to Apple Pay, then yes, they will know what a wallet is.
Using your phone for payments without the need for a card only works if it's open to everyone to innovate.
Merchants already have to get new terminals, if they haven't already done so. The liability for fraud shifts to most(*) merchants on 10/2015 if they don't have an EMV chip terminal. The only new thing that
pay introduces is an incentive to add the NFC option to their new terminal.(*) unattended pay-at-pump fuel dispensers are the exception: they have until 10/2017 to comply.
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Your credit card information won't be on the device. It only has a Device Account Number, which can't be used alone for fraud.
NFC is the end game.
The iPhone, from version 6 onwards, is the start.
iBeacons are the midway.
The logical user journey looks like this:
iPhone > contextual marketing, via iBeacon > checkout, via NFC.
There is absolutely no need to open up NFC for any other reason than payments, it simply isn't a satisfactory user experience and presents a detrimental 'hide and seek' experience for the consumer.
Check out our post from last week... http://www.journification.com/journification-blog/
The iPhone, from version 6 onwards, is the start.
iBeacons are the midway.
The logical user journey looks like this:
iPhone > contextual marketing, via iBeacon > checkout, via NFC.
There is absolutely no need to open up NFC for any other reason than payments, it simply isn't a satisfactory user experience and presents a detrimental 'hide and seek' experience for the consumer.
Check out our post from last week... http://www.journification.com/journification-blog/
Transaction processors have to authorize individual transactions with the issuing bank, to confirm the account is valid and the remaining balance/credit limit is sufficient to cover the transaction.
But, the transaction processor doesn't know about the Device Account Number. To them, it looks like just another credit card number, and forwards that to the bank for authorization. The bank is the one that knows how to map the DAN to an actual financial account.
I just read from Visa Apple Pay wont be in the UK till next year! Apple are you bloody kidding me? NFC has been here for years!!!!! surely you could have sorted it here easily..once again Apple's short sighted up, their own bottom planning, failing again... I have a good mind to cancel my iPhone 6 order now, that was one feature I was looking forward to.
Does this surprise anyone? This is the only phone manufacturer that uses a proprietary charging cord just so they can collect licensing fees from manufacturers and screw you over even more.
Anyway, I'm getting something else.
Anyway, I'm getting something else.
Can someone tell me one useful thing that Google has done with NFC with any of it's phones? I've had three android phones and two tablets that had NFC. Aside from once trying to send a file (and it failed), I have never used it. Meanwhile, I use airdrop without fail with everyone that has an iOS device in my house. Hence the reason I got rid of all things android minus my kindle.
So what did you expect? They should ask iPhone buyers to use Samsung or Nokia cord instead?
Oh yeah and card payment processor will be so happy to share his cut with Apple...
The card payment processor isn't sharing their fee with Apple. It's the issuing bank, who is happy to eliminate a vector for fraud: the compromise of the financial account number during transaction processing.
The card payment processor isn't even away that
pay is being used. It looks like any other NFC transaction.
In the U.S.? No, not the majority. The key to Apple Pay is that it's baked into the Apple Watch. If I don't have to dig out my wallet and pluck out my CC that's a thing of beauty. I agree it's no more difficult to pull out my wallet than my CC, but if wide NFC adoption b/c of Apple Pay means I don't have to carry physical CCs, again Joy to the World.
This is Apple we are talking about lol it will be announced as a "revolutionary new api" at wwdc15