Maybe I shop in different places than you do. The last time I had trouble with a credit card not working they pulled out the old imprint machine. It takes a few minutes, but it sure beat having to pump all that gas back out of my truck.
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Walgreens, CVS Expected to Partner With Apple for Mobile Payments Service
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Maybe I shop in different places than you do. The last time I had trouble with a credit card not working they pulled out the old imprint machine. It takes a few minutes, but it sure beat having to pump all that gas back out of my truck.
Yes, the magstripe is encoded with that information. The terminal then requires you to use the EMV reader. This can be a problem if the EMV reader is broken (it happened to me about a month ago).
Walmart has had the EMV terminals for a while, but has been slowly enabling them, store by store. They first enabled the stores that were most frequented by foreign visitors to the US. Fortunately, they enabled my local store shortly before we made a trip to Europe, so I was able to test all our EMV cards and be sure they worked before we departed.
However, I don't think they are NFC compatible. NFC terminals have a logo like "PayPass" or "PayWave", and have an obvious place to wave/tap your card.
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I had a problem with a defective card reader at a store. They entered the card number by hand.
Some merchants still use carbon paper impressions. I think they pay higher merchant fees as a result.
Earlier this week I picked up a prescription from Walgreens. I always use my balance rewards card which pops up automatically on my iphone in passport when I'm near the store or in it and it works great. When I was waiting in line I noticed the Healthcare Clinic they had in the back of the store and I immediately thought to myself that the signage reminded me of the fonts Apple uses and wondered if they would be striking a deal in someway with the Healthkit app coming. It should be interesting to see if there is more to the story besides the mobile payments.
Yes, NFC is standard but if it were simply NFC there would be no need to partner up with individual retailers. It appears that it will not be just standard NFC (with touch id authentication and no transaction limits). If stores would need to install some proprietary Apple hardware I don't see this going anywhere.
perhaps there will be some basic functionality that works on all standard NFC terminals and some extended functionality that does require extra hardware. that might possibly be successful.
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I don't think they sell worms in either of these stores in cans or bottles. Unless You can get gummy worms in bags however.
I responded to your quote
"You do know you only proved my point? How do you use your CC in a store without a card reader? You don't.
I was just mentioning the experiences i've had from traveling over most of the Uniited States for the last 37 years. If you would drop the arrogance you would see the remark for what it is.
Good questions. I suspect there are answers to each and every one of them, and we will get those answers in the next few weeks.
Then each of us can decide for ourselves if Apple's payment system is more or less secure than the one we've been using up to now.
Even if Apple's system is more secure than what we have now (meaning touchID is a reliable way to authenticate our identity, and our credit card information is not stored on Apple's servers or normal iPhone memory at any time), there will be those who will take a while to convince.
Apple designed TouchID so that your fingerprint never goes anywhere but the phone itself, and it is stored in a special area where no apps can access it. Still there are those who don't trust it.
Some people would rather hand their credit card to a stranger who takes it to another room and then brings it back with a receipt for them to sign. Or they'd rather punch their pin into a keypad reader (under the watchful third eye of the Google Glass wearer at the next table). Those are not secure methods, but at least they are familiar and comfortable.
This is a very good reply. I would like to ask your opinion on something though. Like you said, a lot of restaurants take your card to another room for the actual transaction. Until they come out with readers they can take around to the tables how would they use your Iphone to complete the transaction? Do you think they would have to take your Iphone to the other room like your card? Maybe in these situations a person may prefer to use their card.
Both CVS and Walgreens have customer loyalty cards. What good is having a convenient way to pay for the purchase if you still have to dig the card out of your wallet (or find your keychain tag, or enter your phone number to lookup your member number)?
In my case, I have the CVS card stored in an app on my phone, but I still have to go into that app and find the image for them to scan. Walgreens uses a different kind of barcode, so I have to give them my phone number. I'd rather do that than carry those to additional cards in my wallet, but the process could still be improved.
If Apple can link the loyalty cards in with their payment system then the amount of fumbling to check out, and get my discount, and earn my Extra Bucks rewards, could be reduced dramatically. Maybe HealthKit can also store my insurance card and transmit that data via NFC to the pharmacy when I drop off a prescription. And if I'm picking up a prescription that's a controlled substance, I can provide my identification and digitally sign for the meds using TouchID.
I don't expect all that functionality starting on Day 1, but I expect it's the kind of thing that Apple wants to achieve by partnering with major retailers. Almost anyone with a credit card reader will be able to accept authenticated payments using the iPhone 6 once the new readers are required to process the new kind of credit cards. Select retailers will team with Apple to provide you with more features.
No one can because it hasn't been announced so no one really knows exactly what they are talking about.
if this is legit then it will likely be talked about on Tuesday and then a ton of info will come out over the following few days from Apple. Then you will have your answers
Maybe apple finds the security in such a system inadequate thus building something more.
Even if it uses wifi it doesn't mean that it will have to be internet connected wifi. You would just need to be able to create an adhoc connection to a base station. Although for security reasons they would probably use bluetooth rather than wifi since bluetooth has a shorter useable distance which is better in this case.
or it could use the same kinds of systems that places like Starbucks uses and it's not a payment system so much as a QR/Barcode based digital copy of your credit card. you load it up in passbook, the cashier scans it and you go.
Possibly so. So far, none of my credit cards has a chip, but someone on here said theirs did, and that the Walmart cashier knew to treat it differently (it wouldn't swipe correctly). I think the new portable card readers will be coming to many restaurants sooner rather than later. These card readers will take a swiped card as well as a chip and pin card (that's how they worked when I worked* in England for a while a few years ago).
Having them bring the card reader to the table is a benefit even for those who prefer to use their card, since the card is never out of sight.
* I didn't actually work there. I didn't have a work visa, so I just "attended meetings" there three weeks a month for a year and a half. If you told the immigration officer you were there to work, they took away your passport and only gave it back again when you boarded a plane for home the next day.
The only time I've been asked for an id when using my debit card is when I'm getting cash back, and not often even then.
a wearable??? Dude in five years we'll all have microchips in our fingers, HUD displays embedded in our eyes etc.
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The real joke is that, provided that your card is signed, it's a violation of the retailer/merchant agreement for them to require an id for you to use a credit or debit card.
Seriously look it up.
1) You comment really didn't make sense because all i was doing was making a comparison.
2) Combine that with the way you made the post with the "maybe" in the beginning and the pumping the gas back into your car made it sound like you were the arrogant one which is why i responded the way i did.
That's a legal issue that is something totally different than showing an ID to use a credit card. Which as I pointed out to someone else is actually not allowed under the merchant agreements. The rule is supposed to be, you look for a signature, if there is a name, you take the card. If there isn't a signature, depending on the processor, a merchant can ask for an ID and have the person sign the card right there. But without that signature the card is supposed to be refused. Not so much because there is no guarantee it is the card holder present but because the card holder never signed to abide by the terms of having the card.
Let's take Apple out of the mix... no iPhone 6... no proprietary Apple retail hardware... nothing.
So when will this NFC "standard" take off? Where is it?
Someone earlier mentioned that they paid with Google Wallet at Walgreens... but even Walgreens employees don't know about it.
I don't think most people know about it.
So what's going on with it?
Don't you think it will be weird if NFC was available for years and no retailer wanted it... but they jump on Apple's implementation on day-one?
That's kinda how I envision all this happening.
I definitely agree with you about their coming to the table. I've went to Ireland a couple of times with my son. and that's how it happened with us.
1. Prove they can't. That whole nude photo thing wasn't just iCloud, some of it was off Dropbox, Google Drive etc. And there is no proof that anyone got massive access or even tried to get it. They were targeted attacks on a select group of folks likely using a combo of social engineering and online research to get into the accounts.
2. who says this info will ever go to iCloud. rather like your email passwords it might be a piece you will have to repeat every time a phone is replaced or restored. for your own protection
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in a way, yes. They don't jump on bandwagons just because everyone else does. they don't fear doing something first even if it seems insane.
So yes they arrive when they mean to.
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been to an Apple store recently. Their new handhelds have both swipe and chip readers. not to mention that they are based off iPhone 5S which have the ability to use the camera to read both barcode and QR codes.
Between these companies, Nordstrom's, McDonald's, and everyone else they've been in talks with, it should be VERY interesting to see how they will change the game yet again.
This looks like it'll be another US ONLY feature. Canada was promised to get iTunesRadio in "early 2014". Still got nothing.