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Apple Pay

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Re: Apple Pay

#61

Post by Thrymr »

dangoor wrote: post #30
Nickoladze wrote: post #20

Earlier quoted context omitted.

Hopefully this means stores will actually install the NFC readers or whatever.

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…

Sadly, US banks seem to be going with chip-and-signature rather than chip-and-PIN. It's not easy to find one that will issue chip-and-PIN.

Re: Apple Pay

#62

Post by oddevan »

somesaba wrote: post #26
stevederico wrote: post #10

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

I am confused by this as well. I thought apple did not allow people to make credit card purchases within an app, am I wrong or will these rules change? Where is the line drawn for using an IAP vs Apple Pay (where I presume Apple takes no cut)

I think traditionally Apple has disallowed IAP for real-world goods. I'm assuming Apple Pay will be for those real-world goods while IAP is still used for digital goods.

Re: Apple Pay

#63

Post by post_break »

UVB-76 wrote: post #12
DGCA wrote: 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.

A bit like Visa/Mastercard cards, I doubt any merchants are going to deliberately limit the type of NFC payments they accept.

ISIS already limits it to ISIS only.

Re: Apple Pay

#64

Post by stefan_kendall3 »

allegory wrote: post #5

What I want to know, having a contactless card, is what do you do when the machine isn't working. You can't swipe it or use the chip in this case. Then you're screwed. If you have to carry the card anyway to get around this, what's the point other than showing everyone you have an iPhone, which at least in London is a quick way to get cracked over the head.

I don't like taking out my wallet and dicking with cards mixed with insurance cards and IDs and other stupid things I need to keep on me in case I'm stopped by the gestapo.

My phone is already out anywhere I'm buying things. Makes sense to pay with that instead of fishing for something else.

Re: Apple Pay

#65

Post by Sanddancer »

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 got a chip and pin card from wells fargo a couple months back, and the actual pin came in an envelope a few weeks after the card.

Re: Apple Pay

#66

Post by clairity »

jasonbarone wrote: post #4

How are they deciding who can accept Apple Pay in stores? For instance, how do mom and pop shops who use Square readers get on board with Apple Pay? Is it safe to assume that in the future, an iPhone itself can be a device that ACCEPTS payments too?

i asked your last question earlier (https://news.ycombinator.com/item?id=8291637) and got downvoted (whatever that means).

i know that nfc can support two-way communication so was wondering if anyone knows offhand if apple's api exposes this option. if so, it should be possible to also accept payment using apple pay (hopefully new ipads get nfc in the next revision to support this).

Re: Apple Pay

#67

Post by dsimms »

thrownaway2424 wrote: post #51
eevilspock wrote: post #44

Earlier quoted context omitted.

Does Google Wallet have similar security features, such as not storing or transmitting your actual credit card number or your name, or use of a secure enclave in the phone hardware?

No. Google Wallet simply blurts the magstripe information into the reader over NFC. It has no security features to speak of.

That doesn't make any sense, no. Instead, they skip the secure element and transmit something non-standard (...by buying a bank and routing those through that, essentially acting as a proxy to the card networks?):

http://secureidnews.com/news-item/host-card-emulation-enable...

Re: Apple Pay

#68

Post by sosborn »

hrktb wrote: post #53

Japan has a flourishing NFC payment ecosystem, and it's strange it's completely left out on this announcement. Would they have given early access and bundled the Suica app for instance, they could have boasted millions of users from the get go. I wonder if the upcoming API is even compatible with the Felica standard, but that would be a weird thing to do.

Japan's NFC payment ecosystem is owned by Sony and DoCoMo. I highly doubt that Apple wanted to subject themselves to the license terms and/or the lack of technical control.

That system is also widely deployed but in my experience (9 years of living there, no evidence other than anecdotal) not widely used.

Re: Apple Pay

#69

Post by craigching »

Thrymr wrote: post #61
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…

Sadly, US banks seem to be going with chip-and-signature rather than chip-and-PIN. It's not easy to find one that will issue chip-and-PIN.

Will a chip and sig work in Europe? That's probably my biggest issue is traveling and not having a chip.

Re: Apple Pay

#70

Post by nwh »

junto wrote: post #43
allegory wrote: post #5

What I want to know, having a contactless card, is what do you do when the machine isn't working. You can't swipe it or use the chip in this case. Then you're screwed. If you have to carry the card anyway to get around this, what's the point other than showing everyone you have an iPhone, which at least in London is a quick way to get cracked over the head.

Though I take your point about the backup options of swipe and chip, I'm guessing some Stratford mugger is just as happy mugging you for your wallet full of credit cards and cash as they are to bash you over the head for your iphone.

You use your fingerprint to activate the NFC, so they'd have to bash you over the head and cut off your fingers presumably.
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