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Apple unveils contactless payments via Tap to Pay on iPhone

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Re: Apple unveils contactless payments via Tap to Pay on iPhone

#71

Post by exikyut »

hn_throwaway_69 wrote: post #55
TIPSIO wrote: post #47

I would really like to see it become normal for tipping people this way (that isn't at a cash register / tap) but with AirDrop. For example, I recently had movers. I went out of my way to get a cash tip for them earlier. It would have been nice to skip that and just ping it at them somehow without awkwardly saying "Hey friend do you have Venmo? Apple Pay? CashApp? I'd like to tip you. What's your phone number?! Let m…

Eh, I hope it doesn't. Tipping needs to die out. I'd prefer to have the moving company pay the movers a living wage such that a tip would be unnecessary and politely refused.

I'd be really interested to know what to properly call it, but IMHO this is the kind of thing that the market will never solve top-down because the structure of the relationship would never support it.

I think an on-the-ground solution that caters to the long tail would be the only thing that would basically survive. Everything else would succumb to social forces and basically just fizzle out.

AirDropping Apple credit could be an interesting pilot study, but I doubt Apple would do something like that sadly :/

Re: Apple unveils contactless payments via Tap to Pay on iPhone

#72

Post by xeromal »

melling wrote: post #23
sabjut wrote: post #14

Clarification due to a somewhat confusing title: This is about the merchant using an iPhone to accept credit cards and other Tap to Pay devices. The customer was able to pay with Tap to Pay with their iPhone for a while now.

The long slow road to contactless payments. Almost 2 decades along in the technology adoption curve. I was ready for this in 2005. https://money.howstuffworks.com/personal-finance/debt-manage... If course as the article points out, it wasn’t even new technology back then: “ Not Exactly New Tech Mobile introduced the Speedpass in 1997. Speedpass is a small device on a keychain (called a fob) that users wave in front o…

https://en.wikipedia.org/wiki/Softcard

I used this payment processor in utah in the early 2010s at Jamba Juices and a few other random places. It was pretty sweet but its name was Isis and that was right around the time Isis started becoming big and I believe they ended up dying off.

Re: Apple unveils contactless payments via Tap to Pay on iPhone

#73

Post by maerF0x0 »

thebean11 wrote: post #9
samwillis wrote: post #4

I'm so pleased to see this happen in a way where its not tied to Apples own payment processor. They could so easily have done that to capture more revenue but I suspect it would have opened up more chance of an anticompetitive lawsuit. Obviously they are going to vet which processors are allowed, but as a consumer you want that so you can be confident that the iPhone you are tapping your card against isn't skimming y…

Protection against account skimming should happen on the customer's iPhone (it should only send data allowing a single transaction of a certain size) not the merchant's iPhone. If the customer's iPhone doesn't have that protection it's pretty easy for the merchant to hide a skimmer in their iPhone case / POS system / gas pump.

If they can assume connectivity it would be best to invert the flow and instead make the Customer receive an invoice ID from the NFC, then work directly with Apple servers to actually pay. Then the Business gets a push notification the invoice was paid.

That way the customer phone never actually sends anything directly to the business, and the only thing sent to the customer is basically public (sure, pay my invoice if you want...)

Skimming happens because you have to enter trusted things into _their_ device w/o any authentication mechanism for the device you're interacting with (the pump).

Re: Apple unveils contactless payments via Tap to Pay on iPhone

#74

Post by throwaway22032 »

TIPSIO wrote: post #47

I would really like to see it become normal for tipping people this way (that isn't at a cash register / tap) but with AirDrop. For example, I recently had movers. I went out of my way to get a cash tip for them earlier. It would have been nice to skip that and just ping it at them somehow without awkwardly saying "Hey friend do you have Venmo? Apple Pay? CashApp? I'd like to tip you. What's your phone number?! Let m…

No post body was provided.

Re: Apple unveils contactless payments via Tap to Pay on iPhone

#75

Post by kilroy123 »

TIPSIO wrote: post #47

I would really like to see it become normal for tipping people this way (that isn't at a cash register / tap) but with AirDrop. For example, I recently had movers. I went out of my way to get a cash tip for them earlier. It would have been nice to skip that and just ping it at them somehow without awkwardly saying "Hey friend do you have Venmo? Apple Pay? CashApp? I'd like to tip you. What's your phone number?! Let m…

Here in London tons of people and places have pay touch readers like this:

https://imgur.com/nNaDddR

I'm talking museums asking for donations. To street performers in the tube. They're everywhere.

Re: Apple unveils contactless payments via Tap to Pay on iPhone

#76

Post by h0nd »

samwillis wrote: post #10
thebean11 wrote: post #9

Earlier quoted context omitted.

Protection against account skimming should happen on the customer's iPhone (it should only send data allowing a single transaction of a certain size) not the merchant's iPhone. If the customer's iPhone doesn't have that protection it's pretty easy for the merchant to hide a skimmer in their iPhone case / POS system / gas pump.

It looks like it's not just Apple Pay, it's excepts any card payment, the protection has to be on the merchant's iPhone.

I think it only allows contactless payments. No matter if from a card or phone or whatever that is equipped with NFC payments that is compatible with the merchant app.

Re: Apple unveils contactless payments via Tap to Pay on iPhone

#77

Post by jurmous »

dhosek wrote: post #51
knaik94 wrote: post #19

That's a pretty awesome way of letting iphones start to replace POS terminals. It's been done before through add on and swiping, but the major cc companies are phasing out swiping. And the real play is introducing this into an iPad at some point. An iPhone is handy day to day and great for small run produce markets, but it's been a long while since I have gone to restaurants around my college campus that didn't have…

I'm surprised that the iPad isn't being supported for this.

While iPads have NFC chips none of the released iPads have an NFC antenna.

https://9to5mac.com/2014/10/24/nfc-ipad-air-2-secure-element...

Re: Apple unveils contactless payments via Tap to Pay on iPhone

#78

Post by danShumway »

sabjut wrote: post #14

Clarification due to a somewhat confusing title: This is about the merchant using an iPhone to accept credit cards and other Tap to Pay devices. The customer was able to pay with Tap to Pay with their iPhone for a while now.

Thanks, I was actually pretty confused by this at first glance.

As a non-Apple-user I've never personally used the feature, but I still thought that stuff like Tap to Pay was a somewhat large selling point for the Apple Watch. So for a second I wondered if I had just been drastically misunderstanding how that worked for a long time and had somehow never actually checked/verified that iPhones/Watch could do that.

Re: Apple unveils contactless payments via Tap to Pay on iPhone

#79

Post by WillPostForFood »

yuuu wrote: post #67
TIPSIO wrote: post #47

I would really like to see it become normal for tipping people this way (that isn't at a cash register / tap) but with AirDrop. For example, I recently had movers. I went out of my way to get a cash tip for them earlier. It would have been nice to skip that and just ping it at them somehow without awkwardly saying "Hey friend do you have Venmo? Apple Pay? CashApp? I'd like to tip you. What's your phone number?! Let m…

I had movers a couple months ago and tried to tip them. Note that I don't ever carry cash and am a proponent of abolishing the Federal Reserve. I asked them for their Ethereum or Bitcoin address, and they said, "neither of us don't have that, but we take cash." I calmly tried to explain to them the evils of the Federal Reserve for around five minutes, then began to set them up with their own cryptocurrency wallets on…

set them up with their own cryptocurrency wallets on their phones

What specifically did you have them set up?

Re: Apple unveils contactless payments via Tap to Pay on iPhone

#80

Post by MBCook »

dhosek wrote: post #51
knaik94 wrote: post #19

That's a pretty awesome way of letting iphones start to replace POS terminals. It's been done before through add on and swiping, but the major cc companies are phasing out swiping. And the real play is introducing this into an iPad at some point. An iPhone is handy day to day and great for small run produce markets, but it's been a long while since I have gone to restaurants around my college campus that didn't have…

I'm surprised that the iPad isn't being supported for this.

Do they have the NFC hardware iPhones do?

Maybe because of this they will add it to new iPads going forward.

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