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I imagine it's a case of Apple negotiating their cuts with card issuers/banks.

NFC payments are pretty widespread, and other than small independent shops, most places now accept them.

The demo showed Apple Pay working with what looked to be a regular terminal that already works for PayWave/PayPass cards. If Apple is using existing infrastructure, I don't know if they'd make anything off it.
 
I don't know enough about this technology.
For instance, When I purchased the new iPhone 6, Verizon stated they would send me a new NFC SIM card. Is this necessary to allow the iPhone's NFC to function? Does this have more to do with Softcard/ISIS? And if iPhone's NFC is limited to Apple pay, what is the purpose of the NFC SIM?

The new iPhone finally has an NFC chip built-in, NFC SIMS were a work-around to allow phones lacking NFC to have it (also present as NFC batteries for Android phones). The NFC SIM will let you use NFC services that aren't Apple Pay.

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This is a good decision because it helps protect the security and integrity of all iPhones. People looking for ulterior motives are way off base here.

How is preventing developers use an NFC chip for other purposes affecting security in anyway? Stop trying to look smart.
 
The demo showed Apple Pay working with what looked to be a regular terminal that already works for PayWave/PayPass cards. If Apple is using existing infrastructure, I don't know if they'd make anything off it.

In the US, Apple take a small cut. Apple don't do anything for nothing ;).
 
This is a good decision because it helps protect the security and integrity of all iPhones. People looking for ulterior motives are way off base here.

Yet when they unrestrict it probably next year,it will be wonderful innovation...
 
Booo!

tumblr_n6wqv4aDhA1tqj5juo1_500.gif


Boo, Apple. Boo.
 
This is fairly standard for Apple. Introduce a new feature/API release it only for Apple app use then after a while allow dev access to the API. This way they can make it exclusive to them while its all new and shiny, test it, write the developer API kit and then release it when its ready for general consumption.

Where's the FaceTime API?
 
Once you open it up, you can't back out of it. It's definitely prudent to limit it to Apple Pay first, see how it works and iron out the kinks. Then when all the tiny kinks are worked out, open it up. Just look at Touch ID.
 
Just like Touch ID was opened up, so will NFC.

Like Bluetooth was opened? ;)

Nevertheless, the capabilities of NFC on Android, where you can use tags to start a script won't come to iOS anytime soon, even if NFC would be opened.
 
Jailbreaking your phone so that people can readily access your credit card info doesn't sound like the best idea to me...

Plenty of jailbroken iPhone 5S's out there and I don't see anyone's fingerprints leaking online..
 
Jailbreaking your phone so that people can readily access your credit card info doesn't sound like the best idea to me...

Do you even know what NFC is? It has about as much to do with credit cards as your wifi connection has.
 
Like Bluetooth was opened? ;)

yes. they implemented new bluetooth features for devs to play with in almost every big iOS version.

apple never allows direct access to any hardware. devs have to wait for the proper API. which takes longer, but keeps the whole OS more stable and secure. but obviously never becomes completely open.

of course this also limits the possibilities for devs.
 
Preventing third parties from using NFC raises security by isolating the application processors from security processor. If the NFC is being used for secure transactions, then the goal is to prevent rogue or broken apps from intercepting its output or interfering with its output (or input for that matter).

Apple's security processor is designed to gate access to secure peripherals, like an NFC system, and allow no direct communication from the arm cores. The SEP accepts messages in a mailbox inbox and then decides whether to act on them based on security rules. So it isolates the NFC from the CPU. This prevents all manner of possible issues. For example if there is a flaw in the tokenization sequence that might be exploited, this prevents a hacked app from gathering the sequence of tokens. It prevents Rogue apps from intercepting the raw nFC communications which can real details of transactions and thus attack your privacy. Etc.

I believe after apple gains confidence that the system is secure and comes up with testable guidelines for third party nfc access they will allow it.

The new iPhone finally has an NFC chip built-in, NFC SIMS were a work-around to allow phones lacking NFC to have it (also present as NFC batteries for Android phones). The NFC SIM will let you use NFC services that aren't Apple Pay.
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How is preventing developers use an NFC chip for other purposes affecting security in anyway? Stop trying to look smart.
 
They certainly have NFC payments here. But, in case you forgot, something doesn't exist until Apple does it. ;)

Almost no one uses them and almost no one accepts them, and half the time the terminals don't work and the clerk has no idea because no one has tried in forever.
 
yes. they implemented new bluetooth features for devs to play with in almost every big iOS version.

apple never allows direct access to any hardware. devs have to wait for the proper API. which takes longer, but keeps the whole OS more stable and secure. but obviously never becomes completely open.

of course this also limits the possibilities for devs.

And yet you cannot send data via Bluetooth without jailbreaking.

I know there are benefits of this and its ok that Apple handles it this way, but I just wanted to say that I wouldn't get my hopes high to get all the functionality of the NFC chip on iOS.
 
Well, crap.

Was looking forward to NFC as a communication protocol with a Sony RX 100 M2/3. How is that stepping on apple pays toes?
 
Not everything apples does will be successful. Remember iAd and Ping?

iAds is a bit subjective. 15% of the market is still better than Zero.

They need to open it up to No minimum Spend... it went from $1m to 100K But should be like 1000 or something to allow Small companies to advertise.

At least developing for it is completely open now.
 
I do really want to know how it'll roll out in the uk?

We have had chip and pin for years, very quick and secure no magnetic data to steal.

We have Oyster cards for train and bus travel that auto topup from bank accounts and use NFC already so apple should be right on this. Millions of transactions a day!

Most POS terminals have NFC as cards here have had it for a few years, I wonder if apple pay can be activated or if the payment systems in the uk are already ready for it?

Would love more info on it as the phone is here so soon and there is zero info? Anyone

you wont see anything like this until Apple makes a deal with Banks in that country.
 
I guess now it will take hackers 5 hours after the release of the iPhone 6 instead of 2 hours to completely hack the protocol.

//kidding.
 
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