Don't know about the rest but this one can already be done without NFC. I have been pairing iPad and iPhone with GoPro Hero camera and also Canon 6D camera, and have send videos and photos from cameras to iPhone/iPad.
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Apple Restricting Use of NFC Antenna in iPhone 6 and 6 Plus to Apple Pay
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I only recall them saying their payment system is new, not mobile wallets in general. I fully agree that Apple is late to the game, however I feel it is incorrect to say that Apple is claiming that they were first.
I have an NFC enabled Android phone, & Google wallet. It is nice when it works, however half the time when I try to use it (in my home state of Minnesota), the systems aren't properly implemented, And quite often the clerks lack proper training on how to use it.
I see Apple Pay helping to better implement these NFC payment systems in the US, and will likely have the affect of making both Google Wallet, and Apple Pay (since they use similar technology) more widely accepted.
Well I'm not surprised by this at all. It may be viewed as cockiness by Apple and sure it's locking in a feature, but from a business POV, if that was my company and I had a chance to make $.15 from every $100 spent for millions of phones sold which have the potential to use that feature, I would lock it down too.
In a heartbeat.
Why put this in place and then open it up to similar services?
Maybe there will be other NFC uses and maybe they'll open it up later, but for now, I'd lock that puppy down and enjoy the $$$ coming in.
In a heartbeat.
Why put this in place and then open it up to similar services?
Maybe there will be other NFC uses and maybe they'll open it up later, but for now, I'd lock that puppy down and enjoy the $$$ coming in.
Well we also won't get HD Calling (higher sound quality calls) or the cellular -> WiFi calling system unless we go with EE as a provider.
Not strictly Apple's fault but we know the relationships between them and network providers exist, why can't all the major ones offer all the features that should be standard? Hell the Wi-Fi call switching shouldn't have anything to do with the call provider since the Wi-Fi isn't even related to them, their line or minute allowance in most cases.
Apple have also said the Apple Pay system will be US only for now, with no indicators of a roll out plan for the rest of the world.
I agree. This will be another US only push.
Others around the world are going to have hardware they will not ustilise in iphone 6, maybe iphone 7 or 7S we might see apple pay outside of the US.
To be honest Europe is quite ahead in terms of contactless and NFC payments.
Time will tell.
Re NFC - Apple - fair enough - cannot find any quote so won't repeat it.
Re NFC implementation for payment - it looks a little bit different in Europe - it's quite common that it's an agreement between bank and mobile operator to offer NFC payments.
IMHO, I think the restriction may be due to security. Open up that sensor to now interface with 3rd party apps and then maybe allowing the developer to see your info.
The US has had NFC payments for a while here, as well. It's just not widely deployed. Only one of my credit cards has it. And I don't see a lot of merchants with point-of-sale terminals that support it.
But, that will probably change in the next year. The liability for fraud shifts to the merchant in 10/2015 if they aren't using an EMV chip reader. So, there is a big upgrade/replacement cycle coming. The announcement of
pay just gave them a big incentive to include the NFC option.
Why put this in place and then open it up to similar services?
Maybe there will be other NFC uses and maybe they'll open it up later, but for now, I'd lock that puppy down and enjoy the $$$ coming in.
Since Apple control the App Store, they could ensure from the start that payment type apps weren't allowed but other ones, let's say ID readers, pairing for wifi etc, were. And hopefully they will open this up over time.
I have no real idea how widespread NFC support is in the world, but where I'm at I can use my phone to pay for quite a few things just fine. Apple Pay is nothing new, although everyone is treating it like it is.
And now the NFC usage is going to be crippled. So its even worse than what everyone else has already been doing for the past few years.
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.
No, the terminals see
pay as just another NFC-enabled card.The changes have to be made on the backend, to map the Device Account Number to the user's financial account number, and validate the transaction security code.
I believe it's at the bank: who maintains the account, and knows the credit limit, etc. That's why you saw Apple announce banks that will support
pay, rather than transaction processors.So, Apple simply has to negotiate the financial terms with major European banks. Once they implement the necessary backend changes, all NFC terminals will work with
pay.Facetime, betamax vs vhs, HDdvd vs bluray, ... Inevitable when there's ALOT of money on the table.
If they fail, they'll just join the company of Google, Amazon, PayPal who haven't made a dent with their own versions of NFC related payments. However, this system is more thoroughly thought out, simplified and safe than those prior attempts.
Most analysts have been very complimentary of ApplePay's design and utility. I don't think Apple will fail. Merchants will adopt whatever is necessary to be involved. I'm old enough to remember when credit cards had to be manually inserted with a triplicate copy of a Visa/MC/Amex paper form and rolled. Merchants jumped at the opportunity to replace that cumbersome system with new technology. That pretty analogous to what ApplePay represents as progress.
There are plenty of legitimate reasons, to be fair - back in the day, I used them for making better use of screen space (extra icons on the launcher) for example, and that pull-down menu for quick access to the 2G/3G setting. There were some other things I've forgotten, and bluetooth file transfers (which I rarely used)
However for the most part the pain of waiting after updates far outweighs the pain of not jailbreaking IMO, and iOS has come on a bit since I used it. It's not like Android where you have to jailbreak just to get a proper backup.
Nothing new but far more secure then the rest, and that's what I would rather use personally.
Security does matter to some people.
This isn't news. Anyone that thoguht Apple would give devs access to the NFC firmware and chip doesn't know Apple.
We weren't going to be bumping to transfer files or using 3rd party apps that use the NFC chip anytme soon.
We weren't going to be bumping to transfer files or using 3rd party apps that use the NFC chip anytme soon.
Well I'm not surprised by this at all. It may be viewed as cockiness by Apple and sure it's locking in a feature, but from a business POV, if that was my company and I had a chance to make $.15 from every $100 spent for millions of phones sold which have the potential to use that feature, I would lock it down too.
In a heartbeat.
Why put this in place and then open it up to similar services?
Maybe there will be other NFC uses and maybe they'll open it up later, but for now, I'd lock that puppy down and enjoy the $$$ coming in.
I don't think anyone is surprised they are locking the financial portion down. The problem is there are so many other uses for NFC. They should not even advertise the phone has NFC. There are quite a few people who jumped shipped for NFC alone, and it is a pretty big let down to cripple the technology.
People who do not use NFC on a daily basis do not get it. I see a lot of post that have no idea how some people use it. They think NFC just means payments or "phone bumping"
I really do hope this is the future of payment. But, obviously Apple can't get the whole world and all its devices to use Apple Pay meaning that Google and other brands are gonna have to come up with their own 'Pay' system. Even then, would those other systems be as secure as Apple Pay? God forbid Samsung half arsed something like that and creates something really unstable and insecure - I would never trust Samsung with my payment details!
That all being said, I'm hoping people on other OSes will see us iPhone uses using our phone to pay and they'll want to jump ship!
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Me too. But I think I heard it was something to do with agreements with Visa and other card companies. The bank has to give Apple a cut of each transaction made via Apple Pay and a few aren't too happy about that. I'm really hoping it doesn't take too long to get to us here in the UK because I can't wait to try it out!
FirstData (Who process many credit card payments in the UK) have already got an agreement with Apple for Apple Pay. Staff were told the morning after the Keynote!!
They did no such thing. They just didn't implement it yet. Features like that don't come out of thin air if you don't want to give devs access to core OS parts. They have to create APIs first which takes time.
they'll probably open it up to developers next year like they did with touch id this year
apple always makes sure the features they include with the os are completely secure and working before they let people use them
apple always makes sure the features they include with the os are completely secure and working before they let people use them