Apple doesn't need to transmit anything. As they're partners here, the bank and target can rectify the charge with your order very easily based on time, place, dollars.
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Target Confirms Apple Pay Rollout Won't Include REDcard
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Apple doesn't need to transmit anything. As they're partners here, the bank and target can rectify the charge with your order very easily based on time, place, dollars.
Exactly this. The phone is considered "another card" by the bank. It is NOT its own payment mechanism. It is a card. A smart card in your phone.
The RedCard is Target's card. Using this card within Apple Pay would make no difference to the data they already collect today. When you pay with Apple Pay in the store, Apple has no involvement at all. The Device Account Number is translated back to your actual card number on the bank's side.
Get the mobile app. Very quick and easy to open it and have the cashier scan the bar code. I never carry the Red Csrd - just use the app
You can load the redcard into your app so it scans cartwheel and pays with your a card automatically in one scan. It's actually more convenient than having apple pay unless you're not planning to use cartwheel at all.
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Have you been to a target recently? It's modern...
If other companies can do it, Target will eventually come around to doing it as well.
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Target stores are modern or at least as modern as they need to be when it comes to their stores, advertising/use of media, products and online presence. You can’t even compare Target to a dead retailer walking like Sears that made the mistake of thinking it was okay to keep providing a 1980s shopping experience.
No they can't, that's one of the benefits of Apple Pay is that nobody can track purchases - even the merchant.
Also Apple doesn't charge any fees to accept Apple Pay.
https://support.apple.com/en-us/HT204274
So nobody knows why exactly Target doesn't support the redcard in Apple Pay...
Incorrect.
Every purchase can be tracked, especially when a customer uses store issues card.
The only thing being obfuscated by Apple Pay is the card number.
The transaction details stay with the merchant.
And additionally, the EMV tokenisation specifications (which Apple Pay uses) were updated last year to include the new Payment Account Reference (PAR) data element. This is a unique number assigned to the account itself and is the same across all form factors (physical card, mobile wallets, wearables etc.) and returned in response messages for non-EMV transactions (such as card-not-present). This number remains the same even if you have your card number changed.
When fully implemented over the next few years, merchants will be able to better track you using the PAR.
Thanks for the clarifications, folks. Before AP was released I thought there would be a single generated card number per transaction like some virtual payment mechanisms but I've since come to understand there's only one generated number per device that is stored within the Secure Enclave. This mechanism is secure since a) the merchant never sees the actual card card information and b) there is a good fraud protection for the merchant.
But I thought there would be equally a high level of privacy in that transactions could not be tracked. But I suppose merchant requirements couldn't be entirely ignored.
But I thought there would be equally a high level of privacy in that transactions could not be tracked. But I suppose merchant requirements couldn't be entirely ignored.
Does anyone know if Target is considering adding Apple Pay support to their REDcard in the future?
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Old thread, but curious if anybody knows if almost two years later, we can put our RedCard into our Apple Wallet and Apple Pay to MakeIt SoEasy?