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Walgreens Planning for October 18 Apple Pay Launch
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If this was with Google Wallet, your Wallet PIN works if it asks. Otherwise it does seem to detect the type of card correctly and asks the appropriate questions.
dontwalkhand
macrumors 604
You won't need an ID to process the payment, but there may be other reasons you may have to identify yourself for access to a hotel. A human readable photo ID is required to get a key issued for access to a room. Another example, you have to present a drivers license when renting a car.
Apple Pay does nothing to actually prove you are who you say you are, in fact just the opposite, it anonymizes the transaction. If it is important for the transaction to occur, you will still need to carry that passport, drivers license or other government issued identification. Just not necessary to pay for it.
POS terminals can be a small as an iPod in a sled (think Apple Retail store, or Nordstroms). I think sit-down restaurants may be the slowest uptake of any retailers. Because it will require upgrades to POS for wireless portable. Apple Pay still requires customer touch their phone to authenticate.
The practice of the waiter carrying your card to the back, is unique to the US I think, made possible by our poor credit card authentication process. Chip & Pin locations bring the POS device to the table.
The same way chip and PIN works...
http://www.ingenico.com/en/products/payment-terminals/wireless/iwl-series/
That terminal is Bluetooth (or 3G) and support contact chip, contactless, and swipe cards.
Here's a WiFi model (longer range than Bluetooth) from Verifone:
http://www.verifone.com/products/hardware/portable/vx-675/
dontwalkhand
macrumors 604
Pita Jungle in my area used RailPay, it looks like a regular check folder but open it up and there was a Chip & PIN reader and a mag stripe reader with a touch screen.
It also asked for a survey after making your payment and it will light up green when you're done paying.
You can also press Pay with Cash on it and they will come and collect the cash.
Very cool.
I work at Target... I still deal each shift with people that don't trust us and only pay cash, that don't trust us so they don't use their Red Card anymore, but swipe something else, and then there is the lady that used to work in a bank fraud department 20 years ago that only writes a check.... heaven help you if you get her on a "bad" day. Overall she is nice, but the lectures each trip are rough.
I wish I could just use store cards each place I go - liability limited to that chain.... but I can't. I trust Apple and my bank to sort it out. If my bank didn't trust what was set up - they wouldn't be on board.
As a local, non-hotel guest, at this time I don't have access to the paying part. It would be nice if we could load gift cards onto the magic bands, maybe in time.
Well, we have passes until next October - so all will be good, i'll get to use my phone. I did see on the Mastercard app that my favorite gas station is NFC enabled, inside, but hey, I'll have to pop inside tomorrow and check it out.
But, our 2 trips into the parks this week I have been impressed with the bands/cards for entry and FP+. They work much better than the paper variants. It might be rough for us locals to get FP+'s, but I much prefer the whole system so far.
Having worked in the computer room for so long deploying things somewhat ahead of what tech was out there to do it easily, I can see ahead into the future and have visions of things I hope they implement.
And darn it, I wish my Magic bands would ship - I need them by Friday!
Overwhelming and repeated demographic studies over many years, that chronical everything from average age to average income to spending habits of iPhone owners.
iPhone owners are the same demographic that spends the most in retail...what a shock, they bought iPhones didn't they?
Citation requests aside, I think it is pretty fair to say that the POTENTIAL for a game changer in the US NFC "marketplace" lies in the hands of Apple Pay.
Did they invent it? No.
Did they do something magical? No.
Did they negotiate something no one else before them has been able to? Yes (the cut from the processors)
Did they put in the hands of people that love new gadgets and tech, a "new" way to pay for things? Yes (baring those that have had Android phones with NFC)
To me, in my opinion, Apple excels at making something mass-marketable and doable. More people are going to be apt to walk in and ask if someone can "take their Apple Pay" than have come in and asked "do you take Google Wallet".
Personally i'm basing this on the fact that i'm currently a cashier at Target, and in the 9.5 months I have been up front, I have had ONE person ask me that.
ONE.
Once it rolls out... we are going to be faced with the fact that Target.com is a partner, not the store. People in this thread are assuming it will work at Target the store....
So if NFC is going to "make it" in America - this is its biggest chance. If even Apple can't kick it off, we are doomed to be the laughing stock of the world in this area for a long time.
Did they invent it? No.
Did they do something magical? No.
Did they negotiate something no one else before them has been able to? Yes (the cut from the processors)
Did they put in the hands of people that love new gadgets and tech, a "new" way to pay for things? Yes (baring those that have had Android phones with NFC)
To me, in my opinion, Apple excels at making something mass-marketable and doable. More people are going to be apt to walk in and ask if someone can "take their Apple Pay" than have come in and asked "do you take Google Wallet".
Personally i'm basing this on the fact that i'm currently a cashier at Target, and in the 9.5 months I have been up front, I have had ONE person ask me that.
ONE.
Once it rolls out... we are going to be faced with the fact that Target.com is a partner, not the store. People in this thread are assuming it will work at Target the store....
So if NFC is going to "make it" in America - this is its biggest chance. If even Apple can't kick it off, we are doomed to be the laughing stock of the world in this area for a long time.
GenesisST
macrumors 68000
oddnendz
macrumors 6502
Antares
macrumors 68000
I personally haven't had any NFC device to test NFC with. My iPhone 6 will be the first that I'll be able to use NFC with.
I haven't either, none of the cards I have have chips nor PayWave (or whatever it is called) either.
My phone is it!
no. he is just negative about apple. loves to piss ppl off for nothing and derive pleasure out of it. probably writes from some dark and damp basement and a deep fried mars bar in hand 🙂
oddnendz
macrumors 6502
My work just installed NFC credit card readers on the vending machines. That will be where I test ApplePay.
I might spend more money now that they accept credit cards though.
I might spend more money now that they accept credit cards though.
In London, NFC has been the norm for a few years now across most stores, restaurants, etc. - however, it's limited to £20 per transaction (maximum of 6 a day I believe) for fraud reasons.
I'm interested to find out if this limit would be lifted with Apple Pay, if it ever makes it to the UK?
I asked before but no-one really knew. Theoretically it should be lifted, but I have my suspicion that the £20 limit is not only implemented on the bank-end, but on the POS terminals too (it's written on the devices). If that's the case, it could be a long, long while before Apple Pay gets here.
It would be a shame to miss out because NFC is honestly everywhere over here. It stands out to me when I *cannot* use it. I don't own a credit or debit card that isn't NFC now except old store cards.
I had no idea this was new tech in the US until now. That's probably a good thing for you, though. Set it up the right way.
I'm interested to find out if this limit would be lifted with Apple Pay, if it ever makes it to the UK?
I asked before but no-one really knew. Theoretically it should be lifted, but I have my suspicion that the £20 limit is not only implemented on the bank-end, but on the POS terminals too (it's written on the devices). If that's the case, it could be a long, long while before Apple Pay gets here.
It would be a shame to miss out because NFC is honestly everywhere over here. It stands out to me when I *cannot* use it. I don't own a credit or debit card that isn't NFC now except old store cards.
I had no idea this was new tech in the US until now. That's probably a good thing for you, though. Set it up the right way.
coffeemadmanUK
macrumors 6502a
In the UK this is common already - waiters will bring a card machine over that is already NFC enabled.
Honestly it's ridiculously common here and nobody bats an eyelid at the concept. I've been many times in bars where I have just handed my card over and had it returned to me seconds later with the payment done.
Of course we can debate the security etc, but the hardware required is pretty mature over here.
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Most portable POS devices will use mobile networks (GPRS usually) so actually don't require wifi to work.
I assume wireless is better but I know that Virgin Trains use mobile network as when going through a tunnel you can't purchase on card.
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It isn't written into the machines - some banks/credit card companies set different amounts for different customers. My Barclaycard is £20 per transaction, my account with Lloyd's Bank is £25 and with Halifax is £15. These have changed over time too so it's fluid.
I think my Lloyd's one is £20! 🙁
Seriously though, most readers I see have a sticker or printed piece on them that says 'up to £20'. Is that nothing more than a suggestion? That's positive if so.
Implementation details vary, but limits, I do believe, are in the application on the card. This is because these transactions are generally offline and no CVM. I think the plan is to allow these transactions to go online and use online PIN if over £20 in the future.
coffeemadmanUK
macrumors 6502a
I think you're right.
A bank basically needs to "trust" you to have this function. You'll find if you have a lower credit rating you might not get a contactless card because the bank need to trust that you'll have the funds available offline. Limiting it to £X.XX is mostly just to limit the costs involved if you don't.
If the transactions were online then theoretically there shouldn't be an issue with spending as much as you are able to as it's immediately clear if you can afford it.
Of course you should be able to set your own limit for security.
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I think it's a sort of "recommended" figure, likely a product of the launch phase to convince people that it was safe to use and even when your card is used fraudulently it wouldn't be for a large amount.
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Just checked with Barclaycard too and there's no daily limit to the contactless payments, only the £20 per transation: http://help.barclaycard.co.uk/brochure/contactless_payments/daily-limit
Makes sense. It sounds like we have a long way to go.
I completely understand why the £20 limit is in place, I was just wondering how it is implemented and therefore how it would impact any Apple Pay style systems.
I'll stick to lattes and sandwiches for now 😉