Become a MacRumors Supporter for $50/year with no ads, ability to filter front page stories, and private forums.
But I guess a lot depends on who's actually making the transaction - is the payment made directly from the card company (e.g. Visa), or is it made from the buyer's iTunes account? If it's a direct transaction between the retailer and Visa, then Visa will want to be sure it's secure. If, however, Apple pay the retailer and charge it to the Visa card registered in your iTunes account then Visa - in theory - is only interested in the security of the transaction between them an Apple and has no interest in the security of the transation between Apple and the retailer, in the same way that you can currently make PayPal funded purchases by credit card; there's no actual transaction between the card provider and the retailer.


Apple is only a channel for the transaction data to be sent to the payment processor. Apple is not a party to the transaction.
 
NO NFC for iPhone 6's, means no soup for you!!

Apple has the NFC chip on lock and restricting it to the Apple Pay according to the article I've read this morning. The article said in order to safely conduct transactions, Apple chose this route because money is involved, and if you know anything about Android OS, it is a less secure device than Apple is because their chip is multifunctional. Basically, we have a Tradeoff with the iPhone 6's!

Someone needs to separate this NFC features purchasing transactions and file transfer features. And, don't say it cannot be done. All it takes is for Apple to invest a little more in this idea instead of increasing prices for the same technology that's been out for 2+ years. Nice going :apple:
 
Apple could have restricted any app used for NFC based financial transactions and opened up the way for other more creative uses for NFC. Instead, they've taken the extremely conservative option and limited innovation.

How, exactly, do you propose that Apple could allow people to use the NFC radio for arbitrary data transfers, and still prevent it from being used for financial transactions? Those transactions are, after all, done using transfer of data via the NFC radio.
 
Touch-ID is just a password replacement. As far as I'm concerned it makes things less secure. It is easier for a thief to force/trick you to unlocking your phone with a thumbprint. And if they were really desperate they'd just take your finger from you.



With friends like mine, Touch-ID is very insecure. They'd just wait until I fell asleep and then unlock my phone. All my messages, contacts and money available for them super easy.



Touch-ID changes nothing. It is just an alternative to a password, which are often much more secure.


Sounds like you need new friends.
 
Sounds like you need new friends.
Right yes. Get new friends just because they'd happily prank me if I got a finger print capable phone. :rolleyes:

Or... I could just don't bother with finger prints since I don't like or need them anyway.
 
This is TRULY pathetic!

This means

- you won't be able to quickly share images between an NFC-capable camera / phone / tablet and an iPhone

- quickly configure and/or establish a connection between two devices (say, an NFC-enabled photo / video camera and an iPhone to be used as the remote controller).

Let me point out that Android (and, for that matter, Symbian) has been doing all these since 2012 (Nexus 7 and a lot other phones / tablets, Nokia 808 etc.). I love using NFC between my NFC-enabled cameras, phones and tablets - it makes all kinds of connection reestablishing / image / file sharing orders of magnitude faster (and fully automatic).
 
I won't use Apple's NFC as long as they keep it closed to only Apple solutions. I am tired of Apple making their hardware work only with their Stores, etc.

I haven't used iBooks since they made Kindle take their store out of their app, and I won't support this.

QUIT BEING SO D@MN GREEDY APPLE. Make your systems open.
 
...trust me in that Apple has no intention of making your payments "safer"...

And yet that's exactly what they've done. 'Normal' NFC payment systems send transaction data which is vulnerable to snooping and replay attacks. The ApplePay system, by using one-time-codes, eliminates replay attacks, and by separating the payment system from the rest of the system via the TouchID secure enclave, seriously reduces the available 'surface area' for attacks within the phone itself.

I'm sorry to say that, despite whatever expertise you may have, you've completely missed the boat on that claim.
 
This is TRULY pathetic!

This means

- you won't be able to quickly share images between an NFC-capable camera / phone / tablet and an iPhone

- quickly configure and/or establish a connection between two devices (say, an NFC-enabled photo / video camera and an iPhone to be used as the remote controller).

Let me point out that Android (and, for that matter, Symbian) has been doing all these since 2012 (Nexus 7 and a lot other phones / tablets, Nokia 808 etc.). I love using NFC between my NFC-enabled cameras, phones and tablets - it makes all kinds of connection reestablishing / image / file sharing orders of magnitude faster (and fully automatic).
My sources tell me it's for payments only. If you have a NFC/ Bluetooth speaker you will be able to connect via NFC
 
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.

They have to purchase and install NFC equipment. Most U.S. stores do not have NFC because of the install cost and lack of current consumer demand. So yes, merchants would have to adopt NFC for Apple Pay to work. Apple has already recruited many major stores before the Apple Pay announcement to ensure it was usable to some extent. Why would they let all that work go to competitors? Of course they want iPhone users to use Apple Pay only.
 
And yet that's exactly what they've done. 'Normal' NFC payment systems send transaction data which is vulnerable to snooping and replay attacks. The ApplePay system, by using one-time-codes, eliminates replay attacks, and by separating the payment system from the rest of the system via the TouchID secure enclave, seriously reduces the available 'surface area' for attacks within the phone itself.

I'm sorry to say that, despite whatever expertise you may have, you've completely missed the boat on that claim.

That is exactly where I was going with my original post on the previous page. This is also why I do not use the Android for financial transactions. Airwave transmissions are vulnerable no matter how you look at it. This is why Apple has to restrict the NFC, so if the people who got an iPhone for this feature, their are SOL. There's no way they can open this up without major risks to the consumer and infrastructure. :eek:
 
My sources tell me it's for payments only. If you have a NFC/ Bluetooth speaker you will be able to connect via NFC

And what about image transfer and support for third party apps' quickly connecting (as is done in many Android camera remote controller apps)?
 
They have to purchase and install NFC equipment. Most U.S. stores do not have NFC because of the install cost and lack of current consumer demand. So yes, merchants would have to adopt NFC for Apple Pay to work. Apple has already recruited many major stores before the Apple Pay announcement to ensure it was usable to some extent. Why would they let all that work go to competitors? Of course they want iPhone users to use Apple Pay only.

I think you make a very good point here. Thing is, other competitors have already partnered up with merchants when this technology first came out so where does that leave Apple? I'd say Apple has a lot more work to do in gaining support for the Apple Pay. Or, could it be that merchants trust one phone manufacture over the others (e.g. Apple, Samsung, HTC, etc), and are willing to sign up going forward? Time will tell I suppose.
 
I think you make a very good point here. Thing is, other competitors have already partnered up with merchants when this technology first came out so where does that leave Apple? I'd say Apple has a lot more work to do in gaining support for the Apple Pay. Or, could it be that merchants trust one phone manufacture over the others (e.g. Apple, Samsung, HTC, etc), and are willing to sign up going forward? Time will tell I suppose.

The went to the top visa,MC, Amex, chase, boa ect
 
Nothing beyond payments and bluetooth is what I read this morning. :mad::apple:

Sounds bad. Apple is increasingly (now: over two years) behind the bleeding edge. Heck, even the now-dead Symbian had a fully functioning, excellent NFC implementation. (I know as I use it very frequently for quick image transfers to any NFC receivers.)
 
I think you make a very good point here. Thing is, other competitors have already partnered up with merchants when this technology first came out so where does that leave Apple? I'd say Apple has a lot more work to do in gaining support for the Apple Pay. Or, could it be that merchants trust one phone manufacture over the others (e.g. Apple, Samsung, HTC, etc), and are willing to sign up going forward? Time will tell I suppose.

Apple has the biggest selling smart phone in the U.S. with a demographic that likes to spend money so I think that give them a lot of clout with merchants or it couldn't have gotten as far as it already has. Previous partnerships have formed but those didn't get consumers to adopt NFC. The point here regarding locking NFC is that Apple only wants users of its devices to use Apple Pay because it wants to get "paid" for its work.

Now whether that is enough does remain to be seen. Habits fall hard and Americans are use to swiping, not tapping.
 
Apple is only a channel for the transaction data to be sent to the payment processor. Apple is not a party to the transaction.

Actually, Apple isn't even a channel for the transaction data. Once the card is added to Passbook and the device account number (or CC alias) is created, the transaction goes through the normal flow through the payment processor to the bank, and back. Apple might be involved in the initial authorization and creation of the device account number. But, they don't have to be: Passbook could be making this "add" request to a trusted third-party, or even the bank itself.

It might be an interesting experiment for people getting one from the first wave of phones: put a network sniffer on the back of your WiFi router, and add a credit card to your Passbook. Turn on DNS lookup, and see to what servers your phone connects. You won't be able to see the contents of the data, but IP addresses aren't encrypted. If reverse DNS lookup doesn't yield anything interesting, look up the ownership of the IP address on http://arin.net/.

Clarification: when I refer to "Apple", I mean "Apple servers". Obviously, the "Apple iPhone" is involved.
 
The went to the top visa,MC, Amex, chase, boa ect
They sure did start at the top, I would have too lol.

----------

Apple has the biggest selling smart phone in the U.S. with a demographic that likes to spend money so I think that give them a lot of clout with merchants or it couldn't have gotten as far as it already has. Previous partnerships have formed but those didn't get consumers to adopt NFC. The point here regarding locking NFC is that Apple only wants users of its devices to use Apple Pay because it wants to get "paid" for its work.

Now whether that is enough does remain to be seen. Habits fall hard and Americans are use to swiping, not tapping.

Yeah I agree. Apple and Samsung are the biggest heavy hitters in the market. It will be interesting to see how this plays out. Although, I am saddened that the NFC turned out to only be for Apple Pay. Get paid for works, not a problem there, but is that what people wanted and thought they were getting?
 
Register on MacRumors! This sidebar will go away, and you'll see fewer ads.