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Australian Banks Challenge Apple Over Mobile Payment App Restrictions
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OK then go to your safe space..you can come out later and talk
Please stop equating how you and others even less intelligent than you are set your pin codes relates with ApplePay. It has nothing to do with those of us who have taken the time to research how ApplePay works configure our devices.
First off, even dumb codes will let you get locked out after a few attempts and with TouchID _Nobody_ uses 0-0-0-0 or another abysmally dumb code that would give you easy access -- Unless you're trying to say that you do.
Secondly, I don't want ApplePay because I use a dumb pincode. I want ApplePay because it I use complex passcodes, told my bank to take back their completely unprotected RFID card, determined that the tokenification ApplePay uses protects me from many attacks and does not imply giving all my CC data to an entity like Google.
To pay with my phone, I don't want to unlock it, open an app, (scan a barcode/approach my phone to the terminal to get the RFID request), tap a pin and approach my phone to the terminal.
Apple pay is the only existing system that lets me wave my phone at a terminal and securely validate my purchase from the lockscreen with TouchID without giving the vendor all my CC info. And before you start with your anti-American snootiness, I'm French and have almost certainly had a chipped card longer than you have.
Edited to make the 1st paragraph clearer
You're full of it. It's more secure which is the only reason I use it (and a damn good one). Otherwise there'd be no reason to tap a phone over tapping a card - they're both super fast and convenient.
And you seem to forget Apple Pay will soon work for online shopping, which will allow me to purchase items without ever having to type my FULL card details into a browser.
email.
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Speaking of snootiness ... "I'm French!" ... jump back.
The reference to American has to do with the lag in chip-enabled cards - even the new rollout is still requiring either a PIN or a signature - the percentage of POS contactless terminals is infintismal.
Right, ok, it was whatever e-mail address you had registered at the online banking app. (couldn't remember).
I have both (RBC and CIBC). RBC's app is integrated into the Apple Pay setup process for their cards.
The guy who finds your RFC enabled card on the ground and uses it to make a series of low value purchases with it loves that there is absolutely no validation performed with these cards. Or is it the other way around and you enjoy being able to use found RFID cards?
Validating with ApplePay + SecureID takes about the same time, eliminates the thieves and gives access to payment of more expensive items.
This. I'll never understand the stupid attitude people have that "if my card gets stolen and used it's ok because I'm covered."
Why do you want to let crooks get away with this? And you ARE paying for it. Either through fees or interest rates. The card companies aren't going to write off that fraud without recovering it somewhere.
If I understand that Reuters article correctly, the banks are asking to have their payment app have the same access to NFC and TouchID as the built in wallet. This seems like a bad idea for a number of reasons.
- It would break the simplicity that makes ApplePay so nice to use. You don't have to select and app or even turn your phone on, just hold it up to the terminal and put your finger on the home button and you're done. In their alternate world, you would unlock your phone, launch their app, and then authorize with NFC and TouchID. That isn't nearly as nice of an experience.
- Apple doesn't collect or store any information relating to your purchases. Some previous transaction info is available, but to my knowledge that is stored on-device. Also, there is no sign-on or third party associated with Apple Wallet. Once you have authorized your card(s) it is stand alone. With a bank app, you would have to provide credentials, which can be compromised. Would someone be able to install the app on their phone, sign in with my credentials and spend my money? The only way for ApplePay to be comprised is for someone to have physical access to both my phone and my fingers.
- Ads. I can imagine the deluge of promotional items and "special offers" that would come through the bank app, yuck. That would come with tracking where you shop and selling ads based on that data. Obviously, Apple doesn't do this and never will.
This may open the door to abuse and fraudulent apps. Apple may allow this once they figure a way their clients' security is not at risk, perhaps some sort of integration. Apple doesn't want to be in the middle of a Lawsuit because a bank hired some cheap foreign programmers who created a backdoor and stole millions from innocent users.
Or the guy with the modified Samsung Galaxy set up as a card reader that skims your purse or wallet while standing beside you on a train and racks up a bunch of bogus $20 purchases.
And people want Apple to open their NFC hardware?
Even though you have proven yourself incapable of comprehending how ApplePay is superior to chipped payment cards and other less secure RFID systems you think that you can mock americans for their (admittedly very poor) CC infrastructure? Suuuure.
Now show me how many other countries have the legal guarantees that meant that CC users in the US could so easily block fraudulent purchases and get their banks to work it out with the vendor instead of having to fight with their banks? Yeah, that's why chip/pin never took off in the US.
We all need to start a Twitter war with the banks and let them know that we won't be using what they are trying to force us to use. Hope they stop being idiots!
. @nab your despicable http://mobile.reuters.com/article/idUSKCN10709W we don’t want to use your stupid app. We want #ApplePay !!!!
https://twitter.com/CameronGilroy/status/758275249129467909
https://twitter.com/CameronGilroy/status/758275249129467909
Thankfully I'm with ANZ. Only reason I haven't abandoned my wallet altogether is because I have a Visa AND Mastercard, and Mastercard doesn't work with Apple Pay yet. Once it does I don't see myself needing to use my cards at all. And I've been using the contactless payment for years, so I don't really get the "you're late to the party" argument. Us using it for years is nothing but an advantage - a concept we already know, but made even easier (and more secure).
(Australian) Consumer beware: they are trying to make it sound like it's a matter of consumer choice, however, the Apple Pay system is based in the phone for the consumer's security, putting things outside the phone makes it vulnerable and gives the banks more access to consumer's private info., puts the ball in the court of the banks and out of the hands of the consumer.
Anyone can argue that the way apple does things gives less choice, however, it's not about choice, it's about security, this is why apples' systems are closed, it's all about the consumer's security and privacy. The Apple Pay system is the most secure payment system available to consumers.
Anyone can argue that the way apple does things gives less choice, however, it's not about choice, it's about security, this is why apples' systems are closed, it's all about the consumer's security and privacy. The Apple Pay system is the most secure payment system available to consumers.
Not hard to figure out why so many people in Paris are looking for an alternative, with daily reminders like this -
"Pickpockets exist in every major city, but evidence suggests that it is a growing problem in Paris."
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REALLY ... http://techland.time.com/2011/06/13/the-10-most-popular-iphone-passwords-starring-1234/
"Pickpockets exist in every major city, but evidence suggests that it is a growing problem in Paris."
[doublepost=1469628923][/doublepost]
REALLY ... http://techland.time.com/2011/06/13/the-10-most-popular-iphone-passwords-starring-1234/
The point is Apple Pay is far more secure and protects your privacy. It does this by using a one time token instead of your credit card number at checkout.
Because of this merchants cannot build a profile on you based on your credit card number (they never get to see it). They also don't get to store your CC number, and therefore exposure to large hacks is less likely...
Wow, that's brilliant. Post an article from 2011 long before Apple defaulted to 6 digit PINs (you have to specifically override to use a 4 digit PIN) or Touch ID was available.
You have anything new or relevant to post?
I'm sure the security folk at your place of work would be very, very, unhappy if you were to do this. If you want a workaround, you should talk to them directly rather than trying to come up with one on your own.
Seems the banks are demanding that Apple provide access to the hardware in their iPhone without the banks requisitely being forced to provide access to their cards via Apple Pay.
Either things should stay the way they are or both sides should allow access to their systems so that the banks can use their wallet with NFC and their customers can choose Apple Pay for their cards if the like; let it be true competition with the consumer in control of the choice.
Either things should stay the way they are or both sides should allow access to their systems so that the banks can use their wallet with NFC and their customers can choose Apple Pay for their cards if the like; let it be true competition with the consumer in control of the choice.
To be fair, why does everyone have to embrace a new system just because it's the "thing"
So what is Westpac doesn't get on board... I'll be glad. It's time Apple is not the only one who can kick their heels in.
Your paying to the banks to track the purchase down yes... and it sucks... because its already out of your hands.. Why should u need to *pay them* something that is their fault to begin with. Visa should be able to track down down fraudulent transactions at no charge to the customer...
So what is Westpac doesn't get on board... I'll be glad. It's time Apple is not the only one who can kick their heels in.
Your paying to the banks to track the purchase down yes... and it sucks... because its already out of your hands.. Why should u need to *pay them* something that is their fault to begin with. Visa should be able to track down down fraudulent transactions at no charge to the customer...
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I see. So you like to pull numbers out of your a$$ instead of providing any facts. You have any source to back up your BS claim that 99.999998% of iPhone users have weak PINs?
Apple was really trying to get their butt in the game and solve "the problem" as Apple saw it.... in the US...
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When the big "chip" switch was thrown they were hoping that retailers in the US would embrace it as part of the switch. I'd bet Apple didn't see the resistance that would be thrown up in Apple Pay's way coming at all.
I think the people at Apple responsible for Apple Pay probably admired the simplicity that these new payment systems had displayed in other countries and wanted to be the ones who brought it to the US. I don't think they anticipated the general lack of enthusiasm from worldwide banks either, who already had a simplified system in place already.
Apple needs to open up the RFID platform on iPhone and let it ride, as well as drop the Apple Pay fee. More interest in the RFID subsystem as the platform instead of only Apple Pay will eventually open doors to getting Apple Pay elsewhere if Apple is up for the fight. Which I doubt they are. They hold on to things well past the expiration, probably thinking that is how you "Think Different".
Apple pay is growing, yes. What people don't want to see under it is it will plateau well beneath established systems because it only solves "the problem" at a very limited numbers of retailers and banks with no real carrot to draw more (in fact it comes with a small punishment fee).
So far my chip'n'pin transactions are just as fast as Apple Pay, yet supported at WAY more locations. I've given up on Apple Pay because it's not solving the swipe and sign "time problem" anymore. If people at retailers were trained more in Apply Pay I'm sure it could be faster. (It's quite telling that they don't train more for it as most training for retail jobs is only in the most common occurrences of "what really happens". If Apple Pay happens so infrequently that it's not part of training, it just can't be as popular as people here think.)