You're obviously not a businessman, or you'd not have to ask such a silly question...
LOTS OF PEOPLE, is who, and probably most of whom don't prefix normal English language with "yo".
You for real? Haha
Got a tip for us?
Let us know
Become a MacRumors Supporter for $50/year with no ads, ability to filter front page stories, and private forums.
Apple Rolling Out New iBeacon Transmitters, NFC Readers to Apple Stores and Disney Stores
- Thread starter MacRumors
- Start date
- Sort by reaction score
You're obviously not a businessman, or you'd not have to ask such a silly question...
LOTS OF PEOPLE, is who, and probably most of whom don't prefix normal English language with "yo".
You for real? Haha
I'm hoping Apple's implementation addresses a few of the limitations that the Google Wallet implementation has. For making purchases, it will probably work similarly.
Apple's TouchID makes it easy to authorize every purchase at the time of the purchase. Google lets you set a timeout for up to 24 hours where you don't have to authenticate again. I prefer Apple's method for security.
I hope Apple lets you pay with your actual card using NFC, rather than using a "virtual" card, and then paying off your balance with your actual card. Google's way means that if you've signed up for an offer to get double rewards on groceries or gas when you use your credit card, you might not get them because you're not paying for the groceries or gas with your credit card. You're only paying off the balance due on your virtual card.
In order for Google to be able to bill your credit card, your credit card info has to be store in Google's servers. I'm hoping Apple's solution allows the card information to be stored directly on the device (in the "secure enclave") and that it never gets sent to Apple's systems.
I hope Apple's implementation is more tightly integrated with store loyalty cards. I suspect that the recent rumors of talks or deals with CVS, Walgreens, etc., could make this hope a reality. Rather than browsing through the loyalty cards on my phone and then holding out the phone so the clerk can scan a bar code from my screen, the Apple implementation could automatically transmit the appropriate loyalty card to the POS terminal.
When I walk up to the coupon kiosk, it could also read the loyalty card from the phone, and transmit the coupons to my phone (rather than spitting out a bunch of paper). The coupons could be automatically retrieved from my phone at checkout, if I make the required purchases. Used coupons and expired coupons could be automatically "shredded" (if they continue to use that skeuomorphism), or stored in a discard folder.
If I had an android phone, I would probably use Google Wallet. But I'm hoping that Apple's payment system is better, in at least some of the above ways.
I'm only guessing based on hints, and on what I would like to see them announce on Tuesday.
I'm glad someone "cares"... awww, how sweet
Damn straight
now you know that you don't know all. Your welcome.
Last edited:
What if these partnerships with various stores are actually to get EMV/chip support there before launch? I really doubt Apple is going to use the US only NFC implementation when the liability shift for merchants is about a year from now and everyone's going to be replacing their equipment anyway.
I've used Google Wallet a few times. It's still faster to swipe than to:
I'd definitely use it more often if Wallet worked on Android Wear. It'd require Android watch manufacturers to include NFC on the watch itself though.
I've used Google Wallet a few times. It's still faster to swipe than to:
- Pull my phone out of my wallet.
- Unlock phone (required for NFC to work).
- Put phone on NFC reader.
I'd definitely use it more often if Wallet worked on Android Wear. It'd require Android watch manufacturers to include NFC on the watch itself though.
I do think that as part of the NFC functionality now on the iPhone 6 models, they will announce its compatibility with Mobile Suica and Rakuten Edy payment system used in Japan and the Olleh Touch payment system used in South Korea, since these payment systems work more like reloadable prepaid payment cards. If my hunch gets confirmed, the new iPhone 6 models will be flying out the door in Japan and South Korea.
What if Apple came out with a case that has NFC chip for the 5s and built in to 6? Touch ID for security and the 5s would get most of the compatability while the new 6 would have a few features to stand out aside from larger screen. I'm going to trade in my 5 for a 5s and get 6s next year so accessories will be out already
If I have 5-6 credit cards, how can I chose to pay with a certain card? I have to take my phone out and go down the list to pick one?
----------
What about pull iPhone 6 out and double/triple click power key to activate NFC? Then all credit cards show up on the screen, and you just pick one to pay with finger print of course.
----------
What about pull iPhone 6 out and double/triple click power key to activate NFC? Then all credit cards show up on the screen, and you just pick one to pay with finger print of course.
Probably not Apple enough for them. I imagine having NFC be on as long as your thumb/finger is on the home button (and TouchID says you're you).
Lame reason given that you don't need a device to operate an Apple TV. the STB is a free standing device on its own. Whereas they did authorize iPlayer for Chromecast which does require a second device to operate (or at least did at the time that this decision was made).
----------
It could also be why Big White exists. With so much to talk about they aren't likely to do tons of demos. So give them a grand hall of sorts where they can experience them hands on and thus still write 50 articles about all of it. Based on the talk about how big the area is there should be plenty of room for tables of iPhones, iPads, iWatches, an area to play inside a fake house, gym and even store.
I'm guessing it works much faster with Touch ID. I know unlocking is. It's pretty much an afterthought when I "open" my phone.
Also, the use of Touch ID should make it way more secure than the decades-old magnetic strip technology. I'm always amused when I have to still sign credit card slips as if that somehow means "Oh, now it's all official." I bought my MacBook Air online without signing a piece of paper. I'm all for whatever makes transactions more secure because I've heard horror stories about identity theft.
We're probably still going to be signing for a long time yet. Every major bank is deciding against putting a PIN on chip cards issued in the US. TouchID may be our best shot at an alternative to signature.
The trouble with Nordstrom is that it seems like they didn't really think it through on how this tech could really be best used. They just set it up the same way that Apple uses it, to replace standing registers. But Apple doesn't need things like a table to fold clothes for bagging and Nordstrom typically does. Apple purchases often don't even need bags but guess what, if you are buying a pile of clothes you will. And you can't magic a back in the middle of a sales space.
How they just used the handhelds as a way to check if a missing size was in a stock room, ask for it to be brought out or even assist in the customer ordering it online, it wouldn't have been so bad.
----------
Signatures have nothing to do with it. Your signature isn't what is protecting you as the card holder. The processor's insurance is what protects you. Your signature merely shows that you agree to the terms of having the card, including things like you will pay your bill. THAT is why without it your card is supposed to be rejected by merchants. Not to protect you as a card holder. those processor/merchant agreements actually ban asking for ID as a condition of taking the card, signature or not. One or two of them will allow a merchant to ask for ID in order to have the card holder sign the card on the spot. But if the card holder refuses to sign the merchant is supposed to refuse the card as valid payment. Because of the lack of agreeing to the contract.
The move to things like chip and pin is because credit card fraud is getting so huge that the processors insurance is going sky high. If they wanted they could actually change the agreements so that merchants must ask for and even perhaps record identification to take all cards, or at least ones that don't require a pin. But they don't want to do that due to the issues of card holder privacy. After all, it would be a potential extreme cock up if a system like Targets was hacked and it had not only our credit card numbers but our drivers license numbers etc. So chip and pin is the chosen solution.
All good except that the US is not adopting the PIN part of "chip and PIN". See here for way more than you've ever wanted to know, but the conclusion FlyerTalk's come up with is that it's not worth it to the issuers in this country to shell out the money for the PIN infrastructure. Supposedly the chip on its own will be enough, but we'll see.
You're unfortunately right. Back about 15 years ago in college we had our student IDs that were basically physically like credit cards -- plus a photo, but we also had hand scanners that took about 2 seconds to use. These would better verify us so we could get into dorms or use the dining halls on a meal plan. This was in the late 1990s and was not new when I started. So I wonder WHY is this not a thing?
But it has to start somewhere. Biometric security is obviously way more secure -- or at least should be -- than the silly signature stuff we do in person and the "read this number off the back of the card" thing we do online. If your credit card is lost or stolen, then wow it's not hard to read those numbers.
I'm going back and forth on selling my iPhone 5S to upgrade to the 6. I am the type of person who would use mobile payments everywhere. I've been able to ditch a lot of cards from my wallet using Passbook and love paying with my phone at Starbucks. I have also used it at Wendy's once and Dunkin' Donuts a couple of times, but once you get to multiple sources you see the weakness: I have to reload a debit account for each place I want to go.
I figured the Starbucks payments were a bridge to later, better mobile payments. Apple never seems to really be first on stuff but usually comes out doing it right. When I first heard about Touch ID last year, I knew it was coming. If Apple gets even like a 0.1% cut of each purchase, that's a huge revenue stream that is only going to get bigger.
I so far barely shop at any of the stores I've heard about in the "will support payments" news. So that's one thing probably keeping me on hold with the iPhone 6. But I may jump aboard payments using the iWatch. I liked my Fitbit until it put a big scab on my wrist. So it's been kinda hard to actually use it again. I'm hoping Apple spends the extra $ to make wristbands that won't contain allergens.
Google added support for banks to do this in Kit kat but it's up for the banks to implement it through their apps.. Most banks that support it so far are out of the US but I know there have been trials with some in the US. I'm guessing we'll see more support once chip and pin rolls out.
Thank you for the suggestion, and I'll give discovery a go. I did try the different 80s bands (the Cure, Dec Leppard, and Neil Diamond - yeah, he's more 70s) which I do rotate between, but I was more hoping for the "hey, this user has skipped Barbra Streisand, every time we've true shoving her songs down his throat... Maybe he doesn't want to hear her music," or, "every time we play this song, he skips it, maybe he doesn't like it."
As it stands now, it's more of a nuisance than a convenience.
Anyway, thank you for the suggestion. I'll give it a go.
----------
That's a good point, but a big chunk of that real estate under big white (love that name) is that water area. The only counterpoint I have is that the calendar is on the web site for billions to look at, yet the number of attendees is around 2500.
I hope the Apple NFC system works with the old NFC readers from Europe. I'm already using for years NFC in Europe.
In Australia (aka the "Jail" for all you UK folks
We can use NFC "(industry calls is "Pay Wave") for transactions up to $100 without a PIN. If you NFC for a transaction over $100 the payment terminal will ask for your PIN.
One bank here has been promoting NFC payments by offering a 5% rebate EVERY TIME you use NFC (up to $100 per transaction). So I spend $99.99 I get $5 back in my account.
Almost all Aussies have come to accept NFC payments.
Yeah, we have contactless cards here in the UK too and the upper purchase limit is always £20, I think.
You can use your android with NFC too using Google Wallet, so no need to even take your cards now. Watched my boss pay for lunch last week with his S5
I think it's hilarious how many Fanboys who Poo Poo's the idea of NFC in favor of getting on their knees to iBeacon are now changing their tune.
AND !!!! Acting like their previous comments on MacRumors didn't happen !
Like an Apple Fanatic can never be wrong
I still know that NFC sucks, but I also don't believe Apple is going to implement it so to me it's a bit of a moot point. I think the people wanting NFC are the same people who have wanted it for years. Apple could have implemented it easily but specifically chose not to and developed their own solution on top of the superior Bluetooth LE. Why would Apple implement NFC now?
Last edited:
Finally nfc will become popular in the US, and its usage will skyrocket everywhere else. Still dont know if I'd use it, but at least everyone will finally have more places to if they choose
----------
Hahah this does sound pretty dumb! Can you show me an example of one? I'd like a good laugh!
----------
I think it's hilarious how many Fanboys who Poo Poo's the idea of NFC in favor of getting on their knees to iBeacon are now changing their tune.
AND !!!! Acting like their previous comments on MacRumors didn't happen !
Like an Apple Fanatic can never be wrong
Hahah this does sound pretty dumb! Can you show me an example of one? I'd like a good laugh!
Hard to believe that it wasn't so long ago - at least in terms of years - that the big announcement at one of these conferences was gapless playback on iTunes. I admit I have no vision at all at to how iBeacon Transmitters will improve my life, but I'm excited and optimistic that they will somehow.
Signatures do protect the card holder. However, yes, as I pointed out the other day, it's all about risk management:
- EMV was not designed for greater security of every transaction.
- It was about preventing easy fraud where crooks were cloning cards right and left.
You are exactly why the CC companies like contactless payments, and like them to be as easy as possible... as in tap and go.
The less that a transaction seems to involve actual currency, the more a person will spend. In the UK, people spend 20% more on impulse buys with contactless. In Australia, with a higher limit before needing a PIN, it's 25%.
It's the same reason why CC companies stopped requiring signatures in the US for relatively small purchases. Both CC companies and merchants make far more from the extra purchases that a speedy checkout allows, than they lose from fraudulent cards, or from what merchants have to pay extra for the small risk involved.