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TigerMSTR

macrumors 6502
Sep 30, 2014
264
103
I want Apple Pay to succeed. Then it will help validate and increase adoption of Google Wallet, Softcard and whatever thing Paypal has planned. The sooner we get there, the better. What's the point of NFC if you can't pay with your phone. All other uses for NFC are just gimmicks.

No, they're "innovations".
 

spectrumfox

macrumors 6502a
Oct 18, 2013
751
1
I want Apple Pay to succeed. Then it will help validate and increase adoption of Google Wallet, Softcard and whatever thing Paypal has planned. The sooner we get there, the better. What's the point of NFC if you can't pay with your phone. All other uses for NFC are just gimmicks.

Until Apple incorporates them into their products, then people will say they're innovations.
 

GrabASnookie

macrumors member
Oct 23, 2013
34
0
Raleigh
Well in the rest of the world (not America), we have this great thing called 'chip and pin'. And it's everywhere.

So the steps are:

1) take out your card
2) put your card in and type in your pin

I appreciate Apple Pay will be great across the pond, but it's essentially the same process -- except your phone is your card and your pin is your fingerprint. And as iOS 8 was a steaming buggy pile I'm sure you can grant me a little cynicism.

For me, I have multiple cards and never any cash - I can leave my Driver's license in the car and keep a spare credit card with me just in case the battery dies. Everyone on the planet will adopt the best method for themselves and it's nice to have one more choice and this happens to be the choice I was looking for.. No more Wallets!
 

thewebb

macrumors regular
Jul 22, 2014
213
196
AZ
I sent Discover a message asking them to support Apple Pay. Everyone should do this. Show them that we want it.

This is the message I got back from Discover today. I really hope this doesn't mean they're going to wait till iOS 9!!:mad:
 

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CFreymarc

Suspended
Sep 4, 2009
3,969
1,149
That long long time will be the end of 2015 when the laws will force all retailers to upgrade their systems:cool:

There will be card swipes way beyond that. The law you are quoting is not that wide sweeping and has exceptions you can drive a truck through.

----------

Yes. It will take thousands of years for them to decompose in the landfill.

If you think that everything that is not in a recycling bin goes into a landfill, you really need to look at Waste Management's patent suite on refuse separation. Most trash these days are almost 90% salvaged and resold at hefty profit. The landfill myth is kept up so the public doesn't realize the value of what they are throwing away.
 

2010mini

macrumors 601
Jun 19, 2013
4,698
4,806
If we are looking at silly examples ....

4) hope the thief does not cut off your finger and take your phone ....

----------



Give it a few weeks in the wild and let's see how perfect it is.

Dude, there has been many instances of thieves 'lifting' users pins and passwords by covert observative means. They usually work in teams, one or many lift the pins/passwords. And other steal the hardware or wallet.

What about that is a silly example? It happens right now.
 

IJ Reilly

macrumors P6
Jul 16, 2002
17,909
1,496
Palookaville
Ask the guy you're standing behind at the concessions stand when you're at a baseball stadium.

And that random person would be a real, typical baseball fan? As opposed to myself, for example? Or the people in my section I see throughout the season?
 

Trapezoid

macrumors 65816
Mar 19, 2014
1,429
0
Success for Apple Pay is good for Google Wallet (which hasn't seen huge adoption so far).

Success for Apple Pay is good for ALL forms of NFC payment (which hasn't seen huge adoption so far, anywhere).

Google Wallet has certain advantages over Apple Pay (it currently supports cards from more banks, and it supports more different devices), so when Android users see Apple Pay promoted and used, they may look to see what's available for them and Google Wallet will likely be there.

Agreed. Apple has made NFC popular, and it'll start getting used.

Both companies will highlight their advantages in advertising, and they'll both work to improve their systems to reduce the others' advantage (and to keep upstarts from stealing their thunder).

When I see this commercial, I wonder why Google never advertised Google Wallet. It seems like an obvious thing to do. But they never did. At least that I've seen.

All of that is good for the consumer, and the banks, and the merchants, and Apple and Google.

Yep.
 

Keirasplace

macrumors 601
Aug 6, 2014
4,059
1,278
Montreal
This +++. I was initally skeptical of Apple Pay and was blasted in the comment sections as being misinformed and out-of-touch.

We see through the PR spin that Apple Pay is 100% secure in theory. Even many large retailers are also reluctant to go all-in with it. (And they have IT experts/analysts who are much more qualified at vetting the Apple Pay business model and risks than I am.)

So I will hold off a little longer...

Are you seriously, those "specialists" if they even exists, have let 100M+ credit card information into the wild in the last 2 year alone. Companies don't know what the hell their doing and your going to trust them? The payment system here is totally integrated with the banks, unless you don't trust paying debit with a pin right now... This is even more secure.

Basically, Apple Pay just enables YOU to authorize the transfer for this one transaction using payment mode X (Only the bank/cc processor knows what X refers to) and then its all between the bank/cc and the retailer with the retailer never getting any information from you. They just get the money and a transaction identifier.

----------

Until Apple incorporates them into their products, then people will say they're innovations.

Well, since no one else was using it before... It is innovation (there was some use in Japan though). Things nobody uses, there a plenty in the dustbin of history.
 

doelcm82

macrumors 68040
Feb 11, 2012
3,737
2,757
Florida, USA
I want Apple Pay to succeed. Then it will help validate and increase adoption of Google Wallet, Softcard and whatever thing Paypal has planned. The sooner we get there, the better. What's the point of NFC if you can't pay with your phone. All other uses for NFC are just gimmicks.
I love NFC hotel keys.

With magnetic stripe hotel keys, you have to take the key out of your pocket and insert it into the reader on the door. Then (and this is important) you have to make sure the key goes back into the wallet. Locking yourself out of your hotel room is a serious annoyance, and I'm much more likely to leave a key sitting on the dresser than my wallet when I go out.

With the NFC key cards, I can leave the key in my wallet and just hold my wallet up to the lock. Then (with 30 years of habit to back me up) I put the wallet containing the key back in my pocket.

I don't think NFC is a gimmick when used for door keys or building access keys, and I think it would be a good use for NFC on smartphones also.
 

ksuyen

macrumors 6502a
Jun 26, 2012
772
141
Yes, I would much rather hand my card with my account number, security code and signature to a waiter who takes it to the back to process it. No chance that system would have issues.

Neither would he 'accidentally' spend my money on new shiny iPad Air 2 because I trusted everyone with both my card and signature, I feel safe and secured with the old fashioned way.
 

Col4bin

macrumors 68000
Oct 2, 2011
1,886
1,572
El Segundo
Are you seriously, those "specialists" if they even exists, have let 100M+ credit card information into the wild in the last 2 year alone. Companies don't know what the hell their doing and your going to trust them? The payment system here is totally integrated with the banks, unless you don't trust paying debit with a pin right now... This is even more secure.

Basically, Apple Pay just enables YOU to authorize the transfer for this one transaction using payment mode X (Only the bank/cc processor knows what X refers to) and then its all between the bank/cc and the retailer with the retailer never getting any information from you. They just get the money and a transaction identifier.

So I guess we'll see with the early adopters. If it works, then great.
 

johnnnw

macrumors 65816
Feb 7, 2013
1,214
21
In Canada at least we have the tap pass thing. Just a thing in your card. I see that as being even easier than the Applepay system. The card is way smaller and always in your wallet, doesn't have a battery that can die etc.

I've been using tap pass a coupe years now I see no reason to look like a dork tapping my phone and all that non sense
 

Keirasplace

macrumors 601
Aug 6, 2014
4,059
1,278
Montreal
In Canada at least we have the tap pass thing. Just a thing in your card. I see that as being even easier than the Applepay system. The card is way smaller and always in your wallet, doesn't have a battery that can die etc.

I've been using tap pass a coupe years now I see no reason to look like a dork tapping my phone and all that non sense

Its easier, but not safer since your basically authentificating anything. Anyone can use your card.
 

BvizioN

macrumors 603
Mar 16, 2012
5,701
4,819
Manchester, UK
Well in the rest of the world (not America), we have this great thing called 'chip and pin'. And it's everywhere.

So the steps are:

1) take out your card
2) put your card in and type in your pin

Chip and Pin it is. Just make sure you look back at your shoulders before and make sure no one is watching. And then for an extra security measure, cover the chip and pin pad with the other hand while you enter the PIN.

Sorry but it is primitive compare to NFC payment.
 

jacobj

macrumors 65816
Apr 22, 2003
1,124
87
Jersey
"Apple Pay? Big whoop, Google Wallet came first." ;)

Add it to the list of things they didn't invent, like tablets, mp3 players and the mouse.

Secondly, let's see what Google announce at I/O 2015. I have a feeling Google Wallet might get mentioned.

These quotes always make me laugh: Apple didn't invent this and they didn't invent that.

People point to inferior products that came first and show how they were the real invention. It is so very tiring for two reasons:

Firstly whatever product they choose could be picked on just as much as the Apple product they are hating. There are very few explosively new ideas out there and, like you and me, they are products of evolutionary progress, each one only slightly different from its predecessor. The universe evolves and our ideas are not separate from that: no ancient Greek could have had Einstein's insight into the universe becaus there were not enough fundamental ideas on which to build. "Standing on the shoulders of giants".

Secondly, having a good idea is only part of it. If you fail to capitalise on and drive the idea forwards then it is next to useless. Pointing to an unsuccessful item that never got any momentum and saying Apple just copied it is just plain stupid. Apple made it work and that's their genius.

It's not always Apple's size either, lest we forget that it was nearly broken before the first iMac, and still not that successful by the time the iPod came out. They killed the old phone manufacturers who had 20 years on them.

So please let's stop this Apple didn't invent something. I love the stuff going on in the technology world right now; Google's use of Big Data, their not unique driverless car technology (not in anyway unique, but the only one that anyone really knows about because they make so much of it); Microsoft's vital stand against the U.S. government's assumption that it has right of access to any data held by a U.S. firm in any part of the world (an idea that could cripple US technology firms); the list goes on and on - as do I ;-)

Apple are a big part of it all and let's just embrace this wonderful momentum and rejoice in the fact that we have the Googles that rapidly iterate new ideas and are happy to let them live or die inpublic and Apple who make solid and pave the ground that others have churned up before them, so that we can all travel on the path.
 

thekeyring

macrumors 68040
Jan 5, 2012
3,485
2,147
London
These quotes always make me laugh: Apple didn't invent this and they didn't invent that.

I fear I may have been misunderstood. I agree with you, I put the original comment in quotes with a winking face to try and convey I was quoting what a lot of android fanboys say about Apple products.

By saying Apple didn't invent a ton of stuff I was trying to prove it doesn't matter. There are people who say they're not first with NFC, mobile payments etc but if you look through the past 15 years with where they've been successful, it hasn't been with never before seen gadgets. :)
 

jacobj

macrumors 65816
Apr 22, 2003
1,124
87
Jersey
I fear I may have been misunderstood. I agree with you, I put the original comment in quotes with a winking face to try and convey I was quoting what a lot of android fanboys say about Apple products.

By saying Apple didn't invent a ton of stuff I was trying to prove it doesn't matter. There are people who say they're not first with NFC, mobile payments etc but if you look through the past 15 years with where they've been successful, it hasn't been with never before seen gadgets. :)


Oops. Sorry.... I'm still glad I said it, but to the wrong person.
 

thekeyring

macrumors 68040
Jan 5, 2012
3,485
2,147
London
Oops. Sorry.... I'm still glad I said it, but to the wrong person.

That's okay. I was obviously too cautious in the thread.

I posted on YouTube recently that people should at least be aware of the other platform's capabilities (Android vs iOS) and got called an Apple fanboy. I obviously dialled it down too much on here :)
 
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