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Google Wallet Sees Surge in Usage Alongside Apple Pay Launch
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Aint that the truth. Ive said it before - it doesnt matter what Android has until Apple also has it.
^^ this. I recently used google pay to ship flowers and it not only tracks all my transactions but did a great job tying in the shipment tracking and what not into my phone so I was very well informed as to when my smile was delivered
The downside to this is that wallet really and truly *has* that information about the orders and what not.
I'd like to see Apple offer an option to buy things on iTunes using Apple Pay so that they don't even store a credit card account in iTunes.
I don't know how widespread this practice is, but the retailer I work for doesn't store credit cards, only tokens that can't be used by anyone else. Some of those tokens stay active for a while (years), so they can be used for recurring charges like annual memberships, but they don't have your actual account number on file.
I suspect Apple, and Amazon, and Google do something like this, so your exposure is limited if they get hacked. More valuable to the hacker would be your name, address, and contact information.
The time when you are most exposed is when you are entering your account information (and they are validating it so they can get the token). It could be their system that is the security risk, or it could be yours. A Trojan horse process could capture your data and account numbers while you're registering a card with Apple Pay or Google Wallet, or entering a new card into Amazon or iTunes.
That's still safer than exposing yourself each time you swipe a card at various retailers, any one of which might have a security hole.
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Well, if Ive said it....
Are you serious? Isn't Walmart the 2nd largest iphone vendor out there? That's a lot of iphones being bought by Walmart shoppers.
Strength in Numbers
This is excellent because between the two, Android and iPhone, a large part of the smart phone market is covered.
In the US we do not have Chip and PIN credit cards yet. It's supposed to happen in October of 2015 but I haven't seen any actual cards issued yet. I have a debit with Chip and PIN and true Chip and PIN credit card for overseas usage but there is still no place to use them in the US. There is major confusion also as to the difference between a PIN that you set yourself and a randomly generated one for use in credit cards. And when a person in the US could easily have 4-7 cards in their wallet, it will be a challenge to remember all of those PINs.
That is why Mastercard and these forward thinking retailers are behind Apple Pay and Google Wallet. Did you see the World Series advertising, impressive. Chip and PIN will be a hard sell in the US but with Apple Pay especially you get secure payments with no PIN.
The RiteAid system looks like a nightmare.
I bet many more merchants and banks are going to adopt this quickly.
This is excellent because between the two, Android and iPhone, a large part of the smart phone market is covered.
In the US we do not have Chip and PIN credit cards yet. It's supposed to happen in October of 2015 but I haven't seen any actual cards issued yet. I have a debit with Chip and PIN and true Chip and PIN credit card for overseas usage but there is still no place to use them in the US. There is major confusion also as to the difference between a PIN that you set yourself and a randomly generated one for use in credit cards. And when a person in the US could easily have 4-7 cards in their wallet, it will be a challenge to remember all of those PINs.
That is why Mastercard and these forward thinking retailers are behind Apple Pay and Google Wallet. Did you see the World Series advertising, impressive. Chip and PIN will be a hard sell in the US but with Apple Pay especially you get secure payments with no PIN.
The RiteAid system looks like a nightmare.
I bet many more merchants and banks are going to adopt this quickly.
Oh god, you realize you're making the rest of us look bad by spreading that kind of nonsense right?
Especially considering Android has had NFC payments since 2011, and the iPhone 6+, the phone you claim to have in your signature tag, wouldn't exist without Samsung's Galaxy Note line becoming popular first...
Who's holding who's hand again?
Nobody was using it until Apple users jumped on board and started using NFC. All of a sudden, a huge spike by Android users with NFC. I rest my case. Apple users had to hold the hand of android users to show them the way.
Lets just be honest. A number of Walmart's target market is not Apple's. I know there are plenty of people who make a good bit of change and still shop at walmart (myself included) but majority of people I see aren't.
America - land of slowest adoption rate. I mean, heck The Clearing House got world of Dwolla's new deal with BBVA before they announced so The Clearing House held a press conference to let everyone know they are going to do "same day" transfers but it's a few years off. Dwolla can do it NOW, and not just "same day" but instant.
So point being, our financial system in america sucks. Just plain. They also suck at adopting technology, horribly. Kicking and screaming like a little child kind of adopting.
So point being, our financial system in america sucks. Just plain. They also suck at adopting technology, horribly. Kicking and screaming like a little child kind of adopting.
I've been wondering what the chip in my CC was and how it would make payments by hovering the CC over the PayPass terminal. I just thought it was magic.
A third party having information about personal purchases might sometimes be an issue? I admit that it is not ALWAYS an issue but there it is.
Chip and Sig
I think we're getting mostly chip and signature. I just got a Chase chip with magnetic strip, a 'bridge-the-technologies' card, I guess.
The card companies and banks are making a big push for Apple Pay (and of course giving Apple a cut, something under 10% of the exchange cost). There is, I have heard, an expectation and hope than Google will eventually have a similar EMV system. But if they talk about Wallet as it is, I don't think it's in favor of it.
I think we're getting mostly chip and signature. I just got a Chase chip with magnetic strip, a 'bridge-the-technologies' card, I guess.
The card companies and banks are making a big push for Apple Pay (and of course giving Apple a cut, something under 10% of the exchange cost). There is, I have heard, an expectation and hope than Google will eventually have a similar EMV system. But if they talk about Wallet as it is, I don't think it's in favor of it.
That's completely false, and it's worrysome that your opinion can be swayed this easily by the media.
I think what you mean to say is nobody THAT YOU KNOW was using it until Apple jumped on board.
The media reports claiming there's a spike in usage simply means more stores are enabling NFC payments. It doesn't mean Android users are suddenly using it more when they hadn't been using it before. Android users with NFC-enabled phones have been using them since 2011 at stores that allowed NFC purchases.
And, again I point back to the phone you're holding in your hand right now, iPhone 6+. Apple would have never thought of making a phone that big until Samsung's success with the Galaxy Note line.
Just a classic case of Apple arriving late to a party that was already in progress.
So youre claiming Apple does not and has never, stored credit card numbers associated with iTunes accounts? (Forget Apple pay)
See the world
Why does it have to be the local bank?
I would love to us this tech but...
Doesn't matter until the local bank accepts/integrates it.
Called Regions here in town and they are completely in the dark on the subject.
Why does it have to be the local bank?
And maybe one of these days Apple will start innovating again, and start another party of their own.
The last one they started was in 2007. Seven years ago. They're long overdue.
Adjust your sarcasm detector today?
I think everyone got that it was supposed to be a joke; but it didn't even make sense in that context. It was more along the lines of random noise.
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Laughable spin. What you were saying is that lots of Android users were TRYING to use it, but mostly failing, until Apple's market pull got stores to enable NFC. "Apple arriving late to the party"-- in other words, the party was going on, but it was dead until Apple showed up.
Laughable spin. What you were saying is that lots of Android users were TRYING to use it, but mostly failing, until Apple's market pull got stores to enable NFC. "Apple arriving late to the party"-- in other words, the party was going on, but it was dead until Apple showed up.
I don't even know how to respond to some of you anymore. Some of you are off in your own little realities, it gives me a headache just thinking about how to relate.
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