I had read a report somewhere about some code in iOS 14 relating to payments based on QR codes. But, there has been nothing concrete yet.
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Australia Considers Case for Opening iPhone NFC Chip to Third Party Payment Systems
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There is nothing that compromises security.
All information is still held in a secure enclave.
Apple can provide an API and token for another app and it does not compromise security. Apple can revoke a compromised token at any time.
It's about money and Apple gets money from every transaction.
Don't get me wrong, I don't think another pay system is necessary beyond, Apple and Google and most others have failed anyway.
I'm merely talking about the bs about it makes the system less secure.
All information is still held in a secure enclave.
Apple can provide an API and token for another app and it does not compromise security. Apple can revoke a compromised token at any time.
It's about money and Apple gets money from every transaction.
Don't get me wrong, I don't think another pay system is necessary beyond, Apple and Google and most others have failed anyway.
I'm merely talking about the bs about it makes the system less secure.
Hence the rise of QR-code based payment systems such as AliPay, PayPay, LINE Pay and Walmart Pay. And we may see more such systems in the future.
Once again, government has no place telling a company how they must operate. Is that epic dude behind this as well as other Apple haters such as spotify and match? There probably isn’t one person down there in government that has ran a successful business.
What’s going to happen next is, either said company competing against themselves to continue to lead the innovation, or choose to sit on this gold mine and profit from it for a long time. Real world we usually see a bit of both. Regardless, that one company releasing that extremely successful product still dominates the market and it is still a monopoly. Whether said company pays back the society is another thing.
Open for what purpose. I am Australian and can use my iPhone or Apple Watch to tap loyalty cards or pay fro things. What more needs to be done. I wish the Australian government would less time on this and fix the issues of climate change and housing affordability instead.
Apple currently charges for each Apple Pay transactions. Banks want to avoid it.
As a developer I would very much appreciate if Apple enabled HCE.
Not for payment, but for emulating tags for other devices to scan.
Not for payment, but for emulating tags for other devices to scan.
Can you do PayPal with NFC? Besides you have no idea what else you might be able to do with NFC as long as it stays locked.
If they have opened their NFC chips like is being discussed in the article then maybe they are. All I know is I trust Apple Pay so far, it works better then my actual card on wireless pay.
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QR based is a curious thing. Anecdotally, I was in a restaurant the other day, the bill came with a QR code on it. Once scanned, it takes you to the Clover page, explicitly asks you for Apple Pay, and e-mails you the receipt when you're done.
Out of an abundance of caution, I presented both the bill and e-mail receipt to the waitress so she knew I had in fact paid the bill.
the problem is if the banks get access they would drop ApplePay and force you to use their own app.
i dont trust banks here to look after anyone but themselves.
This is really all about tracking and data collection on consumers.
Easier for retailers to do that if they can log your credit card number.
Apple Pay doesn't reveal your CC number, not only is it secure but it also gives you a certain anonymity.
That's the real issue here which is being push through government.
Easier for retailers to do that if they can log your credit card number.
Apple Pay doesn't reveal your CC number, not only is it secure but it also gives you a certain anonymity.
That's the real issue here which is being push through government.
They do not have control when the only way to do so is give 3rd parties access to the Secure Enclave. It all sounds good until there is a breach that goes undetected by one of those third parties and patches to repair the damage that’s done.
This is what my country's government went with instead of dealing with the platforms. Since the likes of Apple and Google don't care about the country, and the old local banks doesn't care about tech, we have many e-wallet apps rising, and they use QR codes. But that creates fragmentation, so the central bank decided to standardized all the QR code payments so anybody use the same one, including the banks. This only involves the payment gateways, banks, and the e-wallet apps. No need to worry about Apple/Google hardware/NFC. Seems to be working out great so far.
New Apple Wallet news: https://www.techguide.com.au/news/m...clude-health-insurance-cards-in-apple-wallet/
I mean, I can totally see the US eventually adopting QR as the de facto payment standard (even with Apple attempting to make NFC a thing) but CurrentC was fairly problematic for other reasons too. I doubt they'd have done any better had they come out earlier or later than they tried to.
That's more of a way for the restaurant to claim they "support Apple Pay" without shelling out the money to actually make it so. When I think QR, I think stuff like WeChat and Alipay where scanning the QR code (and maybe entering a payment amount) is all you need to do.
Apple should have the right to close down if they wanted to. If they wanted to use Bluetooth to only connect to their own devices that should be legal as long as the buyer was informed.
But doesn't this require you to open your phone, launch the app, and navigate in the app to where you take picture/scan QR codes?
Or can you use the built-in camera app directly?
What is unnecessary is for every bank to create their own app for payment solutions. It's much better to force all banks to support Apple Pay and pay for all the transaction fees by lowering their profit.
Everything that hurts banks are a good thing.