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I'm already a Walgreens guy but now I'll go to CVS and when they don't accept AP I'll just dump my stuff on the counter and leave.

These people are idiots!! They have been for years. Dealt with both these chains before I retired and they are two of the many reasons I'm enjoying retirement.

Don't punish people that have nothing to do with this. Nobody in local stores are involved with the decision to accept payments- treat them like human beings, or don't shop there.

Yep. Even though this disables use of Google Wallet too they don't care, so long as Apple fails or is embarrassed in some way. Heck someone in this thread aready blamed Apple for the loss of Google Wallet. The level of hate is actually quite amusing.

Agreed. People say a lot about Apple fanboys, but there are people on the other side that are absolutely ridiculous as well.

First of all, if all retailers could group together and get that 0.15%, why the heck wouldn't they do it?? Is Apple now responsible for all mobile payments? There can be no more competition?
Secondly yes I find people freaking out over these details sheeps. I'm sorry but if you have been going to a store for years like some people here, and you change that habit simply because a new feature is not available, that's kinda crazy. Wait a bit for god's sake, who knows what'll happen.

Nobody is arguing that there aren't perceived benefits for retailers choosing to participate in the CurrentC system. But do you not care about the fact that they're going to disable NFC to do so? Meaning every single mobile payment system to date will be dropped in favor of a system that intentionally stores information for retailers to use- information that we have seen stolen from numerous high profile stores such as Target and Home Depot. Am I supposed to favor that system over something like Apple Pay that doesn't submit any personal information to retailers?

That said, I'm really not freaking out. I'm just going to let the dust settle and see what happens. It's not my battle to fight, but I would like to see NFC use expanded instead of diminished. That benefits everyone, not just Apple fans.
 
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The static token is merely a seed to the hash function. No static identifier is ever transmitted.

I'm not sure that's true. The last 4 digits of the PAN on receipts apparently is static. Has anyone read the full PAN with an EMV processing script multiple times to see if it changes?
 
To all these people who are "protesting" and feigning boycotting of the stores which have decided not to support their pet brand's payment system:

#1 Grow up.

#2 No - seriously, GROW UP.

#3 How did you pay them BEFORE "Apple pay" was revealed? Ah yes - the previous methods... so use those.

#4 Stop being such drama queens - they don't care - they're not going to go through their POS audits, track you down and send you a begging card with money off vouchers and a "please come back to us" letter.

Talk about internet drama... just get over it and default BACK to how you USED to pay. :rolleyes:

I have a sheep, a goat, or a cow I'd like to use to buy something from you. But, I DON'T LIKE what YOU'RE SELLING. :rolleyes:
 
I dont know how many times it has to be said... Retailers do not pay Apple a dime for any Apple Pay transactions AT ALL, EVER.

Try to follow this line of logic ... Apple gets money from "someone" when a sale with apple pay is used. Is it hard to understand CVS might want themselves to get that money, instead of apple getting it?
 
Having had my credit card replaced twice in the last year because of retailer breaches, you can bet I will boycott cvs. Right now they offer NOTHING to replace the security of Apple pay, so I'm just supposed to hope they don't get breached like Home Depot and target?

That's exactly right. I have the 5s, but will be moving to the 6 VERY SOON just because of apple pay. I have had two credit cards replaced twice this year (so that's 4 cards), due to hacking at home depot and target and then once because my wallet was stolen. This is a non-issue with Apple Pay and can't wait to have it available. These companies are also shutting down Google Wallet as well. Let's see what happens when Google starts to exclude CVS from search results.... because you can bet they will. There's won't be anyone coming in the door to use their mobile app.

Just out of curiosity, does anyone know what technology their app uses? If they are shutting down NFC, then what's the communication protocol to make a payment?

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Don't punish people that have nothing to do with this. Nobody in local stores are involved with the decision to accept payments- treat them like human beings, or don't shop there.



Agreed. People say a lot about Apple fanboys, but there are people on the other side that are absolutely ridiculous as well.


Well, no-one every used google wallet, so it was a non-threat. :rolleyes:
 
When you add a card to the iPhone, it generates a device account number (DAN) for that card. Each card you add will get a unique DAN. This number does not change and is presented to any retailer when completing a purchase. The variable part of the transaction is the authentication code, which is unique for every transaction.

Okay, that's what I was thinking. Thanks! So yes, the PAN for any given card on an iPhone is static so it can be used on Transport for London and the like.
 
I'm not sure that's true. The last 4 digits of the PAN on receipts apparently is static. Has anyone read the full PAN with an EMV processing script multiple times to see if it changes?


^
This. I was wondering after I noticed the last 4 on my receipt.
 
It's funny to me because it seems like MCX is doing (and may be encouraging its clients to do) the exact same thing that Apple has done in the past...wall themselves off from standard technology that's been in use for years. For once, thankfully, Apple didn't reinvent the wheel with Apple Pay. They're using the NFC standard.

MCX is going to find out just how much of a pain it can be when you reinvent the wheel instead of using standards. Most of us have felt that pain with Apple at some point. The beauty of Apple Pay is that it took the NFC standard and improved upon it while still allowing NFC to work the same way it always has.
 
It might potentially be because when you pay at CVS your info is sent to a company called TMC that tracks your purchases and returns. With Apple pay you are anonymous which they don't like.


Makes sense. Too bad they are cutting off the NFC terminals.
 
Twitter and Facebook. Make it viral. They'll get the point. Think I'll still shop at Walgreens even after though. Harvard can make a case study out of it for HBR.

And maybe declare a Jihad, or even do some drive-bys. Those bastards will get the message. Hey we're Apple People, we're Special. :mad:
 
Its all about customer tracking

This is just dumb, fighting over payments. It's money, If they don't want it I'll just go to Walgreens, they are much better anyways.


It's not about the money. It's about the tracking of you as a customer. Visit the Merchant Customer Exchange (MCX) web site. It is a solution created by merchants with on goal.... track you as a customer! Apple's solution completely prevents merchants from knowing anything about you.

Every time you purchase something at CVS, what do they ask for? Your CVS card. They have built a complete revenue stream off tracking you as an individual and your spending habits. Apple's solution kills this!
 
Maybe people should load items at the till at RiteAid or CVS, then say "This is what I would have bought if you accepted Apple Pay" ... then walk out the door.
 
What percentage of shoppers at those 2 stores are carrying an iPhone 6 ... give your collective heads a shake.

And out of 350 million people, how many have an iPhone 6?

It's only the iPhone 6 for now, but the 6s will have Apple Pay, and the 7, and the 7s...

The percentages will grow rather quickly, as most people upgrade their phones at least every couple of years.
 
It's not about the money. It's about the tracking of you as a customer. Visit the Merchant Customer Exchange (MCX) web site. It is a solution created by merchants with on goal.... track you as a customer! Apple's solution completely prevents merchants from knowing anything about you.

Every time you purchase something at CVS, what do they ask for? Your CVS card. They have built a complete revenue stream off tracking you as an individual and your spending habits. Apple's solution kills this!

Apple Pay in no way prevents you from using your CVS (or any other store) loyalty card. The CVS loyalty card is not a payment method.
 
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