New Apple Pay Setup Screens Unearthed in iOS 8.1 Beta 2

[Random hero]

The other thing to bare in mind is, when contactless was introduced in the UK, I was told that randomly after tapping my card, I may be asked to enter my pin (for security measures), it has never happened to me (or anyone I've spoken to), would be interested to see if this is true and if so how Apple Pay will handle that element of it

 

[ttmrn]

You can do Starbucks now with Passbook.
I've been using it since they announced that quite a while ago, go to drive thru, order, pull up to window and they scan your phone barcode, get the coffee and drive out.

my comment was directed to

"Of course the iPad isn't getting in store purchases, can you imagine how awkward that would be?"

 

[3282868]

Now we have to have Chip and PIN by oct 2015, for which all of my cards now have.

I was waiting to see if someone mentioned this information. By Oct. 2015, all retailers will have to have POS systems with EMV chip acceptance (the U.K. and E.U. have used EMV - Europay, MasterCard and Visa, a global standard for inter-operation of integrated circuit cards - for years) and NFC if they opt. Magnetic strips will no longer be supported by financial institutions in case of fraud/identity theft, the merchants will be responsible.

Note: EMV chips are not RFID. ISO/IEC 7816-3 defines the transmission protocol between chip cards and readers. Using this protocol, data is exchanged in application protocol data units (APDUs). This comprises sending a command to a card, the card processing it, and sending a response. EMV chip card transactions improve security against fraud compared to magnetic stripe card transactions that rely on the holder's signature and visual inspection of the card to check for features such as hologram. The use of a PIN and cryptographic algorithms such as Triple-DES, RSA and SHA provide authentication of the card to the processing terminal and the card issuer's host system. The supposed increased protection from fraud has allowed banks and credit card issuers to push through a 'liability shift' such that merchants are now liable (as from 1 January 2005 in the EU region) for any fraud that results from transactions on systems that are not EMV capable.

Update: It's not a government law. Thanks kdarling!

 

[kdarling]

I was waiting to see if someone mentioned this new law. By Oct. 2015, all retailers will have to have POS systems with EMV chip acceptance...

Just a note: it's not a government law.

It's just one of the liability switchover deadlines where the Visa and Mastercard long term plans happen to match up with each other.

Some other dates can be found in this article.

 

[SirLance99]

They have to work with Apple's System. Apple is using a token when you pay, the store needs to know what to do with this token...

Nope. If the POS is NFC enabled then Apple Pay, along with all the others such as Google Wallet, will work. Nothing needs to work with Apple Pay and the retailers have to do nothing other than enable NFC.

 

[r-m]

The other thing to bare in mind is, when contactless was introduced in the UK, I was told that randomly after tapping my card, I may be asked to enter my pin (for security measures), it has never happened to me (or anyone I've spoken to), would be interested to see if this is true and if so how Apple Pay will handle that element of it

I've had that happen twice.
Once was after I got my Pin wrong twice before getting it the 3rd time. Next contactless after that, asked me to enter the card.
Another time was just random, but whilst using the Barclaycard paytag on the back of my phone.
Both were very early on though, when I first got the card last year. Hasn't happened since then.

 

[spazzcat]

Nope. If the POS is NFC enabled then Apple Pay, along with all the others such as Google Wallet, will work. Nothing needs to work with Apple Pay and the retailers have to do nothing other than enable NFC.

I believe Apple NFC is locked in to their system?

 

[dontwalkhand]

I believe Apple NFC is locked in to their system?

No. I hope this big misconception will go away when ApplePay finally is enabled. You can use ApplePay on any PayPass terminal.

The only reasons the stores are listed on Apple's website is they paid Apple. To the stores, this is just another method of advertising.

 

[gadgetguy03]

But I thought that the 5s had a secure enclave for Touch ID. Is this enclave different in the 6?

I get the lack of secure element, but 5S does have Touch ID. :|

I meant that the reason the 5 and 5c were not able to use Apple Pay is because of the lack of Touch ID and a Secure Element. The 5s will implement the Secure Element and Touch ID but the lack of NFC will limit it's Apple Pay usage to just apps.

 

[kdarling]

They have to work with Apple's System. Apple is using a token when you pay, the store needs to know what to do with this token...

Merchant terminals do have to be updated with the bank identification number prefixes being used to identify tokens to the backend systems, but that should have already been done by now either automatically or manually.

To the merchant, this is so their readers know that the card "number" is in a valid range (and perhaps what the home currency is).

Now, If your debit card or credit card from your bank is a Visa or MasterCard it will work. Every single bank in the country does not need to be on board.

Yes, it could've been possible for the credit networks to be the token holders, but the banks decided they wanted to keep that control.

So it looks like the card issuing bank has to be onboard with tokenization. That includes, as it turns out, being able to accept the original token request from an Apple server when we register a new card.

Btw, this means that Google has the only US wallet at this time where the user can register any card they wish as the backing payment method.

There is the limit in the UK. I didn't realise it was because of the offline thing, as NFC terminals are also Chip&Pin - whether I pay with NFC or Chip&Pin, the terminal always has a moment of "authorising" and sometimes takes longer (when the connection is slowed, I assumed).

What about mobile payments from your smartphone? Are there any wallet apps that work in the UK?

The reason I'm asking is because I think the purchase limit is related to not being able to enter a PIN from a card. From a smartphone, that would not be a problem.

For example, I believe... and somebody please correct me if need be... that in Australia the tap & pay limit is $100 without a PIN, but if challenged, entering the PIN on the phone overrides the limit.

So I'm curious if, in the UK, that it's possible to make a larger contactless purchase using your smartphone.

I meant that the reason the 5 and 5c were not able to use Apple Pay is because of the lack of Touch ID and a Secure Element. The 5s will implement the Secure Element and Touch ID but the lack of NFC will limit it's Apple Pay usage to just apps.

The 5S does not have a Secure Element, which for Apple Pay is inside the NFC chip. (You might've been thinking of the Secure Enclave in the CPU.)

 

[spazzcat]

No. I hope this big misconception will go away when ApplePay finally is enabled. You can use ApplePay on any PayPass terminal.

The only reasons the stores are listed on Apple's website is they paid Apple. To the stores, this is just another method of advertising.

I haven't seen a PayPass terminal in over a year.

 

[SirLance99]

I believe Apple NFC is locked in to their system?

Sorry to say Sir but you are wrong.

 

[SirLance99]

I haven't seen a PayPass terminal in over a year.

Have you ever seen this logo? If you have, that's the universal logo for all NFC payments. Everyone works when you see this.

 

[dontwalkhand]

I haven't seen a PayPass terminal in over a year.

You have. They just aren't immediately noticeable.

At many places at least around here in Arizona I just tap my card to the screen even if the screen says "Slide Card". The terminal will beep and say processing.

You can use ApplePay at these terminals.

 

[myname70]

No such a menu in the Passbook... iOS 8.1 Beta2.... Did anybody manage to see this Credit Card menu?

 

[Narg]

Anywhere Mastercard PayPass, Visa PayWave, or American Express ExpressPay is accepted will take Apple Pay.

Image

WRONG! The retailer also has to contract with their bank/processor to accept it also. One notable example is Walmart who will not accept Apple Pay...

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You have. They just aren't immediately noticeable.

At many places at least around here in Arizona I just tap my card to the screen even if the screen says "Slide Card". The terminal will beep and say processing.

You can use ApplePay at these terminals.

Again, wrong wrong wrong. The retail establishment may have the terminal but that doesn't mean they will accept Apple Pay! There is a lot more behind the scenes that has to occur before they can accept Apple Pay, and not every notable retailer has signed up for this yet.

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No. I hope this big misconception will go away when ApplePay finally is enabled. You can use ApplePay on any PayPass terminal.

The only reasons the stores are listed on Apple's website is they paid Apple. To the stores, this is just another method of advertising.

This stupidity has to stop folks. Just because there is a terminal does not mean Apple Pay is usable. The stores on Apple's web site are there only because they can accept Apple Pay. It's not universal by any means, and it's not going to be "everywhere you see a PayPass terminal"



Learn to research something before you post please: http://consumerist.com/2014/09/12/walmart-best-buy-wont-accept-apple-pay-at-their-stores/

What sucks about this is that the "other" pay applications will not have the same security that Apple Pay has, and will put at risk your money more than Apple at first. That may be fixed later, but I doubt it.

 

[dontwalkhand]

WRONG! The retailer also has to contract with their bank/processor to accept it also. One notable example is Walmart who will not accept Apple Pay...

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Again, wrong wrong wrong. The retail establishment may have the terminal but that doesn't mean they will accept Apple Pay! There is a lot more behind the scenes that has to occur before they can accept Apple Pay, and not every notable retailer has signed up for this yet.

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This stupidity has to stop folks. Just because there is a terminal does not mean Apple Pay is usable. The stores on Apple's web site are there only because they can accept Apple Pay. It's not universal by any means, and it's not going to be "everywhere you see a PayPass terminal"



Learn to research something before you post please: http://consumerist.com/2014/09/12/walmart-best-buy-wont-accept-apple-pay-at-their-stores/

What sucks about this is that the "other" pay applications will not have the same security that Apple Pay has, and will put at risk your money more than Apple at first. That may be fixed later, but I doubt it.

I must be wrong when I use my Wells Fargo debit card by tapping it at this store every day and it works. Of course the store had it enabled, it just didn't show it due to lazy programmers.

Apple Pay is NFC, it does NOT NEED ANYTHING at the register. Even take a look at Apple's website. Apple did not get 220,000 retailers to update their registers because the iPhone 6 is coming out.

Do you really think the retailers listed using IBM 4690 is going to have an entry for Apple Pay?

The reason why it doesn't work at the stores you've mentioned is because they only have regular Chip & PIN mag stripe terminals not ones with NFC

It looks like YOU need to do research. Come the day of Apple Pay being released I'll post videos of me using it at mom and pop that obviously didn't pay Apple. Especially if you're going to call people stupid.

 

[Diode]

WRONG! The retailer also has to contract with their bank/processor to accept it also. One notable example is Walmart who will not accept Apple Pay...

And a retailer has to already contract with their bank/processor to accept Paypass/PayWave/ExpressPay (and the proper equipment to use that feature) so I fail to see your point.

ApplePay uses NFC standards - there is nothing special a retailer has to do to accept ApplePay besides having a terminal that accepts NFC payments (with that function turned on of course).

A retailer, for instance, can't block Googe Wallet but accept ApplePay (or vice versa) - it's all or nothing. The article you linked to pointed to Walmart and Best Buy. Best Buy completely disabled NFC payments on their terminals and Walmart doesn't have terminals capable of accepting them - meaning no Google Wallet, no PayPass etc as well.

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I haven't seen a PayPass terminal in over a year.

I know CVS stores near me accept them as does Whole Foods (but that's a given considering they are a launch partner).