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Apple Pay

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Re: Apple Pay

#81
post #78

Anyone else seeing a 'Phishing attack ahead'? Chrome is complaining that Google Safe browsing detected an ongoing phishing attack.

Firefox is saying the same thing for me. In fact, I thought that was the point of the link (to show apple.com is marked as a phishing attempt).

Re: Apple Pay

#82
post #6

I really hope this doesn't end up fragmenting the NFC payments space. Only Apple Pay is accepted in one place, and only Google Wallet is accepted in another. Both of these technologies work with contactless card readers, let's just stick with that.

Aren't they both digital abstractions over NFC payments (e.g. PayPass)? I have a feeling on the terminal side, it looks just like like a plastic card with PayPass.

It sounds like they both definitely work with your standard contactless card reader. My worry is that Apple will have an Apple only reader as well. I'm not saying that I think they will, but I wouldn't be surprised, either.

Re: Apple Pay

#85
post #46
post #30

Earlier quoted context omitted.

One interesting unrelated development: the US is moving to chip-and-PIN cards next year. Merchants that don't move over to the new system (in other words, those that still take signatures instead of having you do the chip-and-PIN thing) will be responsible for fraud that occurs in their stores... so merchants will switch. If merchants are getting new credit card terminals anyhow, it seems likely they'd get NFC compat…

My Bank of America Visa recently expired, and the new one they sent me has what appears to be chip and pin. Weirdly, there is no information in the included pamphlet about the technology. I assume they're just preemptively putting the cards out there.

They've been issuing them for a while. It's not chip and pin, but chip and signature. afaik no major US bank issue chip and pin yet.

Re: Apple Pay

#86
post #78

Anyone else seeing a 'Phishing attack ahead'? Chrome is complaining that Google Safe browsing detected an ongoing phishing attack.

Might be because of their redirection shenanigans, starting yesterday apple.com was a 301 (permanent redirect) to apple.com/live, might sudden changes back and fro be interpreted as phishing attacks?

Re: Apple Pay

#87

Does this work on the web or just in-app? What is Apple's Commission?

Looks like Apple's commission is ~15-25 BPS for participating banks

   The biggest “surprise” over last 2 months is that Apple has squeezed 15-25bps from the 5-6 participating banks at launch (C, BAC, COF, JPM, Amex and perhaps WFC).
http://blog.starpointllp.com/blog/?p=3855

Re: Apple Pay

#88
post #49

Earlier quoted context omitted.

See here: http://clover-developers.blogspot.com/2014/09/apple-pay.html

Hate it when articles don't define their acronyms. PAN = primary account number. EMV = Europay, MasterCard, Visa. http://en.m.wikipedia.org/wiki/EMV

Given the target audience of that blog, those seem to be perfectly reasonable things to leave out. I mean, do you expect programming blogs to define 'API'?

Re: Apple Pay

#90
post #82

Earlier quoted context omitted.

Aren't they both digital abstractions over NFC payments (e.g. PayPass)? I have a feeling on the terminal side, it looks just like like a plastic card with PayPass.

It sounds like they both definitely work with your standard contactless card reader. My worry is that Apple will have an Apple only reader as well. I'm not saying that I think they will, but I wouldn't be surprised, either.

From the demo video, it looks like a "standard" reader that I've seen in use today.
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