A lot of modern terminals already have the technology, at least here in the UK, people just aren't using it yet because no one has really pushed it in a big way..Apple really have the chance to make the breakthrough.
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If iPhone 6 gets NFC now, it will make Paypal more powerful than ever!
- Thread starter Bobby Corwen
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A lot of modern terminals already have the technology, at least here in the UK, people just aren't using it yet because no one has really pushed it in a big way..Apple really have the chance to make the breakthrough.
How are they gonna destroy Paypal, if Paypal has a better more efficient and more easy to implement system? Its the most realistic thing. Theres still a chance NFC will stay dead in the water.
As for your first statement, lol at that analogy because it doesn't fit at all. A localized paper system has nothing at all to do with a globalized digital system of validation which is automatic.
Yeah so many credit cards and mobile numbers on file. All they have to do is have a page in settings that lets you send a text passcode to confirm from your phone for security and let you setup a 4 digit PIN and thats it.
Again, why would anyone PREFER to need something like a card or phone when they have shown you don't need it! You don't even need new scanners, just a button on a terminal.
Similar to how you have buttons at the grocery store to put in your phone number for a club card discount or many other self checkout type terminals.
You don't need anything more than that in the direction we are headed and if Paypal has the better system as the whole world starts to consider NFC it could be problem.
Remember, Satan himself was once an angel and was Gods favorite. He knows how to charm the masses and ill be honest bro, I'm afraid for all our paypal accounts posting in this thread out in the open like this with the way Paypal has detectives. I wouldn't be surprised if they backtracked our IPs and blacklisted all our accounts just to send a message. Thats what they do.
So yes, I dearly want Apple to destroy them and not fall victim to some shortsighted failure of a system.
Ideally they will let you pay by phone NFC, an optional card with NFC, and by phone number and pin, all from the same "Apple Wallet."
Also sending money from phone number to phone number or apple id like (dammit) Google wallet.
It's not an analogy, it's what people used to do...You seem to think the average person memorises their cellphone number, they don't because they don't have to.
People aren't going to go for a payment system that involves memorising up to 15 digits that they have to correctly key into a terminal when they want to buy something, we've gone past they days of committing things like that to memory.
Apples system is likely to work like this, you register your card or bank details with Apple...you go to store to make purchase, you either tap your phone or other apple device (iwatch ) against the terminal, if its above a certain amount you enter a PIN you get your receipt and you leave, apple debit the amount + any fee from your registered card or account.
I would see entering the phone number more of a "numerical signature" rather than something you have to "memorize." Its just there in your mind already.
You phrase it like its a back-ward step but simplification is never a back-ward step.
What I meant when I said the analogy is not applicable is because you brought up going to a bank and giving an account number. But this is retail terminals.
There was cash, there were checks, then there were credit cards. There has never been a time we go up to buy groceries and paid by account number. Maybe there was writing a check, but thats time consuming, difficult, and a bit unsafe. So I don't understand how theres a connection there for you.
All the elements like advanced credit card terminals, online commerce, and digital wallets were only around for a few years now to where its becoming more convenient to just use an all digital balance for basic things since the internet is blurring the line between whats real and digital business anyway so why not go all the way. People are still gonna carry wallets and cash so you might as well still use a card then. Using a phone is not superior to using a card. Using nothing is superior to using a card though IMO.
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The connection comes quite simply from having to memorise 15 digits, whether you are telling them to a bank clerk or entering them into a pad yourself makes no difference...People don't memorise their telephone numbers these days, having worked in retail for many years I can tell you that people struggle to remember a four digit PIN...
You've also got the added problem of ensuring you correctly type those 15 digits into the machine, I can ensure you that what will happen with your system is people will end up holding everyone else up whilst they look on their phones, a bit of paper in their purse, or wherever the number is written.
People want convenience and people rarely go anywhere without their mobile device, although they sometimes don't have their wallet or cash on them when they need it.
Entering in your number with 4 digit pin is the worst idea ever. People already have to remember passwords, emails, usernames, their social, picking up milk, etc. People don't want to get inundated with another thing to remember, that's why Paypal's method isn't catching on.
To add to that, more and more people are using password managers these days so that they don't have to remember all that stuff, there's no way in hell that people will want to remember more numbers and passwords...that's what touch ID is all about.
