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Apple Pay

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Re: Apple Pay

#101

Post by tfinniga »

itry wrote: post #41

So we want to make payments via our phones. My first thought would be to create a protocol for this. Instead we get ApplePay and GoogleWallet and whatnot. If the internet was invented today, we would have AppleMail instead of email and GoogleTrans instead of http.

You might not remember this, but that's exactly what originally happened.

You had CompuServe mail, and Prodigy mail, and AOL mail, and any number of internal mail systems at different companies. There was not a single mail format or agreed upon address space. Getting mail from one system to another was a huge pain.

Re: Apple Pay

#103

Post by deweller »

es09 wrote: post #78

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

And just like that, now it is magically fixed.

Re: Apple Pay

#104

Post by 72deluxe »

adorton wrote: post #15

This seems similar to Google Wallet, which has been around for a few years. How does Apple plan to make this a bigger success?

If it means that someone here in the UK can finally pay for something somewhere with an NFC-capable phone, then good! Google Wallet has been US-only for years (and I think the UK promises about its arrival never materialised, unless I am wrong?)

In any case, hopefully this will force the industry to move forward, particularly on Android.

Re: Apple Pay

#105

Post by post_break »

seanflyon wrote: post #99
post_break wrote: post #63

Earlier quoted context omitted.

ISIS already limits it to ISIS only.

FYI Isis changed their name to Softcard to sound less terroristy http://www.bloomberg.com/news/2014-09-03/isis-mobile-wallet-...

Gotcha. Well they still deny google wallet on their POS machines.

Re: Apple Pay

#106

Post by BlakePetersen »

ctz wrote: post #91
itry wrote: post #41

So we want to make payments via our phones. My first thought would be to create a protocol for this. Instead we get ApplePay and GoogleWallet and whatnot. If the internet was invented today, we would have AppleMail instead of email and GoogleTrans instead of http.

The payments protocol is called EMV. The wireless transport protocol is ISO14443. Then we have different branding of the combination of EMV+ISO14443 for different card issuing networks (Mastercard PayPass, Visa payWave, etc.) Apple Pay and Google Wallet are further branding of the pair of standards. A possible reason Apple might succeed where Google Wallet failed: Apple have a better track record of telling MNOs to f…

Google doesn't cause bloatware, Carriers and Handset makers do. One of the many consequences of OSS, people can fork and bloat to their heart's content.

Also, I haven't had one issue with software updates on my Nexus 5 (which indeed comes bloatware free). If I recall correctly, wasn't the iOS7 update a shit show?

Re: Apple Pay

#107

Post by shade »

baddox wrote: post #46
dangoor wrote: 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.

I have a Bank of America MasterCard that expired recently and they sent me a new card, but when you go to their information page about chip cards ( http://bankofamerica.com/chipcardfacts ) it seems pretty clear that it's actually chip and signature. They emphasize that if you get asked for a PIN, you should tell the merchant it only requires a signature.

I don't know enough about chip and PIN to say if it's possible, but I'm hoping that means they'll eventually move to adding a PIN too.

All that said -- my iPhone 5 is coming off contract in a few weeks now and I definitely plan on picking up an iPhone 6; I'm looking forward to seeing how well Pay works.

Re: Apple Pay

#108

Post by itry »

tfinniga wrote: post #101
itry wrote: post #41

So we want to make payments via our phones. My first thought would be to create a protocol for this. Instead we get ApplePay and GoogleWallet and whatnot. If the internet was invented today, we would have AppleMail instead of email and GoogleTrans instead of http.

You might not remember this, but that's exactly what originally happened. You had CompuServe mail, and Prodigy mail, and AOL mail, and any number of internal mail systems at different companies. There was not a single mail format or agreed upon address space. Getting mail from one system to another was a huge pain.

Interesting. In fact, I do not remember that. I started using the internet some time in the 90s. I never used Compuserve nor AOL. I never heard about Prodigy.

Re: Apple Pay

#109

Post by XorNot »

k-mcgrady wrote: post #96
pkulak wrote: post #72

Earlier quoted context omitted.

Google Wallet uses exactly whatever standard let's you tap a credit card to a contactless payment terminal. I assume Apple Pay is the same thing?

They use the same tech to communicate (NFC) but Apple's security features seem unique.

Which is pretty irrelevant: what matters is whether banks/payment processors will accept it, and whether it interops with the payWave/payPass readers at merchants, which in turn depends on them installing them.

We've had high penetration of contactless in Australia for a long while now, security being "happen to physically hold the card". The bar to accept contactless payments is very low - what matters is that a merchant actually accepts them.

Re: Apple Pay

#110

Post by tcheard »

mladenkovacevic wrote: post #92

I've been "tapping to pay" with my credit cards here in Canada for the better part of the last 2 years. Does this use the same technology?

Yes I believe it is. Credit cards use the EMV protocol over the ISO14443 transmission protocol. I believe this is doing the same.
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