Let's talk security. I have done real research, you have read mainstream news and fallow it like a sheep. The ability to swipe a watch as shown would not only be super difficult, but pointless. In the straggle of trying to steal it, it would have locked. As for the payment it's self, it's not even Apple's design. It's EMV or MSD tokenization. (Invented over 20 years ago), the security is great, same goes for GW.
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Where you use watch and Apple Pay
- Thread starter ttexxan
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Let's talk security. I have done real research, you have read mainstream news and fallow it like a sheep. The ability to swipe a watch as shown would not only be super difficult, but pointless. In the straggle of trying to steal it, it would have locked. As for the payment it's self, it's not even Apple's design. It's EMV or MSD tokenization. (Invented over 20 years ago), the security is great, same goes for GW.
And then, suddenly you hear a siren. You glance in your rear view mirror and see flashing lights. As the officer pulls you over and asks for your ID, you fumble around, as if you're looking for your wallet with your driver's license and come up empty. You breathe a sigh of relief and show the officer your Apple Watch. He forgets that he asked you for your license and becomes mesmerized with your Apple Watch. Chalk up one for dodging a bullet
Not sure where this post was going.
#1) We should have electronic ID's.
#2) I know my DL #, as should you. I have never forgotten my wallet, but in this case Apple Pay saved me. If I have my number, and he has my DMV records and picture, I doubt this would be a problem.
It's the technology your debit card needs to run called Online PIN, which Apple Pay doesn't prevent. It will prevent signing or entering a PIN on chip enabled terminals however as the terminal has Mobile Device CVM.
The ValueWalk article is a joke of journalism. Physical credit cards and wallets are far more susceptible to physical theft and can be used far more easily for fraud than the tokenized payment system of Apple Pay on either the phone or watch. Again Whatos is Just. Plain. Wrong. Do your own research and you'll see right thru his/her charades.
Not to mention you can remotely disable apple pay on individual devices instead of calling all your banks and needing your cards reissued. Because the criminal will pull a knife or gun on me, they'll yank the watch off me while making sure to slip their finger under my not-so-loose watch and yank it off, then put down their weapon to put on the watch, then go on a shopping spree at a nearby store they've mapped out ahead of time that accepts NFC payments and is probably open (because they're robbing me in the daytime when most of these places are open). Certainly they'd want to do that instead of just taking my wallet or re-selling the watch itself on ebay.
If it comes down to that, the criminal can just hold the gun on you, take your watch, put it on his wrist, and demand to know the passcode to unlock it. No need for any of this rigmarole. I am always the biggest security hole for anything. If it works for me, it will work for anyone who holds a gun on me.
As a personal matter, I would rather the Watch just work as I want it to 100% of the time, with the risk that maybe some thief might sneak it off my wrist and then go buy three car washes and fill up their RV (what happened last time my wallet got stolen).
I look forward to the day when I only need to carry my Watch for payment. It's going to be a lot harder to steal than my wallet.
Oh my. For you to use this joke of an example of a security lapse is even worse than the example. Completely unrealistic and you know it. You just enjoy being ornery and antagonistic.
It would be easier for a thief to take your wallet and cards and use them than to slip the watch off your wrist while maintaining contact. If someone is going to do that to me, I'll have more to worry about than my watch being taken for nefarious intent.
Used at Walgreens but the terminal still asked for my pin (I have my bank debit card tied to Apple Pay). Is this normal?
I've used at other places like Panera Bread, no pin needed.
I use Apple Pay for everyday, small purchases. This for me is the most convenient. So I like using my debit card rather than a true CC. But I like the convenience of swipe and go and not having to enter a pin.
I've used at other places like Panera Bread, no pin needed.
I use Apple Pay for everyday, small purchases. This for me is the most convenient. So I like using my debit card rather than a true CC. But I like the convenience of swipe and go and not having to enter a pin.
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I just used it yesterday at Petco. Got my little man a haircut. The girl behind the counter was shocked. I also used it a McDonald's before and same reaction.
Using the PIN is normal at certain places like Walgreens because the store gets to pay a lower processing rate for PIN debit transactions. Panera runs everything as credit.
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Makes sense....the dude said I could have just hit credit on the terminal....which might be the way to go (no one can see you enter your pin that way).
This entire security thing is a non-issue for me. Why? Because Apple KNOWS how important it is. It is the one thing that could really put them in trouble. Example,
Remember when all the celebrities got their iCloud accounts hacked and pic's got out public? Apple stock took a BILLION dollar (yes, billion w/a "B") hit just from the perception that they had poor security. As we all know, it had nothing to do with Apple, but with people using poor/easy to guess passwords. But the perception "cost" them a cool billion. I say "cost" as once the details came out and the iPhone 6 was released the stock rebounded very quickly.
Apple Pay is major (or significant) feature for the iPhone an Watch. They really HAVE to get the security right on it.
And, my belief in this extends to Google Pay and Pay Pal and any other company that is legit in handling payments.
I'm very comfortable using Apple Pay. So comfortable, I changed my checking account. I followed up with the checking account I had for 10+ years twice and was told they had "no immediate plans" to use Apple Pay but would "elevate" my interest. So dropped them and went with a bank that did.
But again, Apple doesn't really need to worry much about competition. They need to worry about taking care of themselves. With things like this.
Remember when all the celebrities got their iCloud accounts hacked and pic's got out public? Apple stock took a BILLION dollar (yes, billion w/a "B") hit just from the perception that they had poor security. As we all know, it had nothing to do with Apple, but with people using poor/easy to guess passwords. But the perception "cost" them a cool billion. I say "cost" as once the details came out and the iPhone 6 was released the stock rebounded very quickly.
Apple Pay is major (or significant) feature for the iPhone an Watch. They really HAVE to get the security right on it.
And, my belief in this extends to Google Pay and Pay Pal and any other company that is legit in handling payments.
I'm very comfortable using Apple Pay. So comfortable, I changed my checking account. I followed up with the checking account I had for 10+ years twice and was told they had "no immediate plans" to use Apple Pay but would "elevate" my interest. So dropped them and went with a bank that did.
But again, Apple doesn't really need to worry much about competition. They need to worry about taking care of themselves. With things like this.
I only use it at Walgreens and have used it at McDonalds. I didn't know Subway supported it though, I just had lunch there
I only used Apple Pay from my watch four times before returning it. Panera once, it was easy.
Walgreens is my favorite, fast & easy stop right by my house. Good thing I was checked out by the manager whom I know.
First time the terminal demanded my pin, then my address and Walgreens number. She then took my social so as to help their IT people get it sorted out. What an ordeal!
So far, Whole Foods, McDonald's, Subway, and a vending machine. It doesn't count but I used my watch to pay at Statbucks.
He's been trolling this thread for a while now. Just ignore him.
Ten points to you for noticing, it was a joke.
This is a wonderful forum yet some of those addicted to assuming things about others is indeed entertaining. #
Comical interaction about that: I asked the cashier at Ulta about it once. The green light was on, but it looks like the sticker overlay thing had been ripped off the terminal. Anyway, I tapped on the NFC portion of the terminal and asked, "do you know if this works?" I was obviously implying the NFC reader. She said, "yeah, you swipe your card on the side." I said, "no, does it accept contactless payments?"
"I don't know what that is. It just takes normal cards."
Oy.