It will be interesting to see if Walgreens does streamline the pay process with Apple Pay. If Apple Pay only replaces the credit card swipe then it will not really improve the pay process for Walgreens since as you point out you still have to enter your walgreens card, yes or no for a cause, tap ok on the screen etc.
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Walgreens Planning for October 18 Apple Pay Launch
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It will be interesting to see if Walgreens does streamline the pay process with Apple Pay. If Apple Pay only replaces the credit card swipe then it will not really improve the pay process for Walgreens since as you point out you still have to enter your walgreens card, yes or no for a cause, tap ok on the screen etc.
It's hard to disagree with that after seeing the stellar job they did with 8.0.1...
In fairness to OP, he did qualify his statement with "when they [Apple] puts their mind to it...." No doubt 8.0.1 was botched and a huge embarrassment but it doesn't negate Apple's work in toto.
It will for me. I keep the Walgreens card on my phone, so the phone will be in my hand already. My wallet will now stay in my pocket. There may be additional steps with the PIN pad, but if none of them require me to take out my wallet to get a credit card (which means finding something to do with the phone that is already in my hand), then for me there is no doubt that it will streamline the pay process. Add to that the additional security, and the fact that my wallet will be thinner, and it's a definite improvement.
That's an alternative but I avoid at all costs giving out my phone numbers to stores. Cuts down on marketing calls.
It's true that the tracking occurs but that's rampant. Loyalty cards just gives that company direct access. Otherwise it has to be bought from whoever else is selling your data (with or without personal info included).
I think the uptick in privacy is the most attractive aspect of pay. Security from fraud is a good thing but the cynic in me says that'll be going to the banks bottom line before it trickles down to consumers.
I think so. It would be interesting to test this, but I won't be going out of the US anytime soon.
Anyone in the US with an iPhone 6 planning an international trip in the next month or so? If so, would you try it and report the results?
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The tokenization is done at the time you load the card into your phone. The request goes to a server (reportedly one operated by the brand: Visa, MC, Amex), which then makes a request to the issuing bank to validate the card. If all is good, the bank gets the token and your phone gets the token, and the linkage is complete.
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Actually,
Pay is the one of the first (if not the first) implementations of an EMV tokenization standard that was published earlier this year:http://www.emvco.com/specifications.aspx?id=263
With the way they have botched Core Data & iCloud for the past 3 years, my hopes are not that high for Apple's "backend stuff".
No, it doesn't.
Pay (i.e. the EMV tokenization standard) is implemented on the backend, at the bank. Existing payment processors work just as before.I buy my beer and Johnnie Walker Black (when it's a good payday) at Walgreens liquor store. Their current process for paying with a debit card is a pain in the ass. Can't wait to use my iPhone 6 Plus
It'll still be the same. You'll still have to punch "no" for the donation ask, "yes" for correct amount, and what ever other questions they want to ask you.
It's NOT going to be as easy as tap-pay-leave. You'll still have to do the questions.
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They have and it doesn't.
perfect timing with Ebola
The one thing I hate about going to the store especially walgreens is having to touch that dirty stylus. Lots of people who are at Walgreens already are sick with flu's colds etc. they rub their nose and who knows what else. Now its their turn in line to pay and they touch that stylus and you have to touch it right after them. With Apple Pay no longer will we risk swapping germs through a stylus that is used 100's of times a day by sick people!!!
Plus assuming this truly is a secure method and with the recent breaches of credit card information stolen from giants like home depot and target Apple could really use this in their advertisement,
The one thing I hate about going to the store especially walgreens is having to touch that dirty stylus. Lots of people who are at Walgreens already are sick with flu's colds etc. they rub their nose and who knows what else. Now its their turn in line to pay and they touch that stylus and you have to touch it right after them. With Apple Pay no longer will we risk swapping germs through a stylus that is used 100's of times a day by sick people!!!
Plus assuming this truly is a secure method and with the recent breaches of credit card information stolen from giants like home depot and target Apple could really use this in their advertisement,
It's going to be funny watching people try and use Apple Pay and not know what they are doing on both ends. The customer and the clerk.
I guess I'll pull my phone out and show them how it's done. It's easy once you've done it hundreds of times.
I buy my beer and Johnnie Walker Black (when it's a good payday) at Walgreens liquor store. Their current process for paying with a debit card is a pain in the ass. Can't wait to use my iPhone 6 Plus
umm. beer..
If there is doubt, then that's all the proof i need, otherwise many more stores would have bounced on this.
Within 12 months, not accepting Pay will be equivalent to not accepting credit cards. iPhone owners spend most of the money spent at retail in U.S.
There will be a mad scramble to win back business as iPhone owners say NO MORE and refuse to swipe cards at places that don't care about their security.
Not acceptingPay within 12 months = not caring enough about payment data security.
I've had my card replaced by my bank TWICE this year thanks to security breaches of the exact kindPay renders irrelevant.
I'm surprised to see Target and HomeDepot not grovelling at the feet ofPay and not plastering it all over their already obsessive marketing.
Pay will be equivalent to not accepting credit cards. iPhone owners spend most of the money spent at retail in U.S. There will be a mad scramble to win back business as iPhone owners say NO MORE and refuse to swipe cards at places that don't care about their security.
Not accepting
Pay within 12 months = not caring enough about payment data security. I've had my card replaced by my bank TWICE this year thanks to security breaches of the exact kind
Pay renders irrelevant. I'm surprised to see Target and HomeDepot not grovelling at the feet of
Pay and not plastering it all over their already obsessive marketing.You haven't seen NFC payments already? I use it everyday at the Walgreens I go to. Since Apple Pay was announced, the cashiers who know me well, laugh at the fact that I've been doing this already. Other customers look at it in disbelief sometimes. I say to them "before Apple". The cashiers and I chuckle with each other.
Can't wait to test it out on my iPhone 6 Plus.
u sure like
While credit cards payments are not encrypted, users let their CC account got at. and its their own fault because users do not secure themselves.
If the bank is at fault, it wouldn't make any different with Apple Pay and NFC, since it goes via the bank anyway.. So, the same rules will apply, just makes things easier for the customer. That's all it is.
Personally, at the end of the day, the user must still get their phone out to use.
What's 10 seconds of their time entering their PIN and choosing which account to pay with, vs 4 seconds to do the same thing ?
Unless one is on a very busy schedule.. and how many of us have their hands full of stuff when they pay ? A credit card is either to manage then a phone since most users will drop it...
(as we've seen most don't use cases), u can't break a CC unless u bend it.
While credit cards payments are not encrypted, users let their CC account got at. and its their own fault because users do not secure themselves.
If the bank is at fault, it wouldn't make any different with Apple Pay and NFC, since it goes via the bank anyway.. So, the same rules will apply, just makes things easier for the customer. That's all it is.
Personally, at the end of the day, the user must still get their phone out to use.
What's 10 seconds of their time entering their PIN and choosing which account to pay with, vs 4 seconds to do the same thing ?
Unless one is on a very busy schedule.. and how many of us have their hands full of stuff when they pay ? A credit card is either to manage then a phone since most users will drop it...
(as we've seen most don't use cases), u can't break a CC unless u bend it.
Rite - Aid works as well. I sometimes go there when I'm too far away from Walgreens.
At Walgreens don't forget to press Credit when using Apple Pay with a debit card!! Otherwise it'll decline! (Experience with a PayPass debit)
Nope, it'll all be the same. You'll still have to press all those buttons.
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RiteAid does work. I use NFC payments there sometimes.
Type in your phone number on the PIN pad not your phone. Same with Safeway and any other place that takes loyalty cards.
And CVS works because they have NFC
You are obviously not a girl. And dare I say I believe women do a lot more shopping than men?u sure like
While credit cards payments are not encrypted, users let their CC account got at. and its their own fault because users do not secure themselves.
If the bank is at fault, it wouldn't make any different with Apple Pay and NFC, since it goes via the bank anyway.. So, the same rules will apply, just makes things easier for the customer. That's all it is.
Personally, at the end of the day, the user must still get their phone out to use.
What's 10 seconds of their time entering their PIN and choosing which account to pay with, vs 4 seconds to do the same thing ?
Unless one is on a very busy schedule.. and how many of us have their hands full of stuff when they pay ? A credit card is either to manage then a phone since most users will drop it...
(as we've seen most don't use cases), u can't break a CC unless u bend it.
It's a hassle to open your purse, find your wallet, find the card you want to use go through the swipe, sign and just as you are putting your card back in its place, the cashier hands you your items and receipt while you still have to put your card back in your wallet, back in your purse and now deal with the items.
And cash is even worse.
I'm gonna LOVE apple pay!
I've been using the NFC with my credit card - when its available. Can't wait to just use my phone, but I'm sure I'll still have to keep my credit card with me, hopefully all stores will eventually adopt.
In the comments section, there is some controversy on whether the cell phone caused the explosion.
The title of the video skews the viewer to accept that the explosion is caused by the cell phone, and forces them to bring refuting evidence to disprove it. It is a classic argumentative tactic used this time of year in the US, along the way of the "Have you stopped beating your wife, yet?"
I remember when I first checked in with a phone on an airport years ago.
Some people be like "nah you can't to that. you need a real ticket"
Now it became a really common thing...Within 12 months, not accepting
citation please.
Disney in Orlando?
If so, their contactless payment system isn't scheduled to be Apple Pay compatible until the end of the year.
But... The wristbands and RFID tickets work really well for paying. I carried my wallet for ID and cash, but didn't swipe my card once to pay for anything during my week there. Really nice!