I'm not to clear if Apple pay is the existing nfc payment tech or if its actually something new and requires new terminals. Different articles indicate different things.
So far despite being around for a few years now, nfc payments don't seem that popular. Most places in the UK support it, but you hear more incidents of cards being miss read when people didn't intend to use it than you see people actually using it.
So if Apple made something new I can absolutely understand shows not wanting to pay for new readers. What's more or would probably make less people use them due to confusions on compatibility.
Also with the low uptake of people using the nfc chip in their credit cards offered chip and pin, if makes sense not wanting to upgrade.
From what I understand ApplePay will work with existing NFC terminals. Visa made the following statement in September.
"London, 9 September 2014 - Visa today confirmed that it will support consumer payments with the iPhone 6, iPhone 6 Plus, and Apple Watch. Participating financial institutions in the U.S., and eventually in other markets, will be able to add Visa debit and credit cards to Apple Pay and enable their customers to make easy and secure purchases at select merchants both in stores and in apps.
Steve Perry, Chief Digital Officer at Visa Europe, comments: “Apple’s entry to the market represents a critical piece of the mobile payments jigsaw. This is a pivotal moment for digital payments and one that demonstrates the momentum behind mobile and contactless services.
“Visa Europe has led the rollout of NFC payments ever since we launched the first contactless cards and terminals in 2007. Today there are more than 1.5 million Visa contactless terminals in stores across Europe – all ready to take mobile payments. Apple’s decision to enter the market reflects the scale of opportunity that exists in digital payments today. Its support will drive awareness and usage of contactless services around the world – we anticipate a “halo effect” that will benefit all players in the mobile payments ecosystem.”
“We are working closely with Apple and with our member banks to bring this new service to market in Europe.”
As a matter of interest Worldpay state that contactless payment volumes in the UK more than doubled from four million in July 2013 to 10.9 million in July 2014.
Make no mistake, Apple Pay is very very different from other systems that also use NFC.
NFC is NFC but it can be used differently. How many current systems Pop Up your credit card choices and authenticate with Touch ID?
The same way WiFi is used by totally different systems, so can NFC.
As simple as it looks, Apple has many patents behind their systems and Apple is far from done with this first release of Apple Pay.
Tim Cook said that Apple plans to "replace" the Wallet as we know it... so there is much more to do and lots of patents to back it up.
I think more needs to be stated to make it even more clear as [@]timgriff84[/@] is not alone in not fully understanding how ?Pay works. Some of that is Apple's fault for keeping so much of the details close to the vest, but there are two general distinctions that need to be beaten in the public.
1) What you've ready stated, about how Apple's specific end-to-end solution is better than other NFC-based solutions that came before it, because of their efforts with financial institutions, using a representaional card number that is created and stored by the bank, and the Secure Element on the device.
2) NFC is not the same as the simplistic RFID tags in cards. One can say that NFC is a sophisticated, secure evolution of RFID tags, but they are less similar than HTTP and HTTPS. This is what I think are confusing when they say current contactless payment systems won't support ?Pay. Those won't support any NFC solution but ?Pay will be supported by all NFC solutions.
Visa today confirmed that it will support consumer payments with the iPhone 6, iPhone 6 Plus, and Apple Watch.
That is remarkable. For starters, it's not too common to have that kind of support for a product right before it's launched, but the ?Watch is probably about a half-year from being released and they are already stating they are supporting it. Sure, it was announced the same day as the iPhones, but it's still atypical.
I just see so much momentum behind ?Pay that if it fails I will shocked. I expect nothing less than wildfire across the industry. In fact, I've been trying to think of a new, more svelte wallet solution for this beave new world I'm expecting.
I still prefer handing cloth to a guy and getting cloth and metal back to checks and digital payments. I love the idea and implementation of Apple Pay, but it’ll be a while before I feel safe using it.
Ha!
You might change your mind if you had an experience like this:
When I first went to work for IBM in 1964 -- it was in Las Vegas, Nevada.
There were slot machines everywhere -- restaurants, stores, coffee shops, supermarkets, carwashes, gas stations ...
When you bought anything they'd give you change in silver dollars instead of bills.
It was a real PITA, because you'd have to make a trip to the bank to exchange the silver dollar for bills, or conveniently (for the merchants) just drop them into a slot machine!
Choosing neither, you could walk around with an ever-increasing horde of silver dollars.
Now, a silver dollar weighs, roughly an ounce -- and 16 of these make a pound.
After a while, these would begin to weigh you down, so you'd try to distribute them evenly among your pockets. If you were wearing loose sorts with big deep pockets, they'd tend to clang together -- endangering your manhood or, at best, temporarily raising the pitch of your voice. Working for IBM, we wore suits with tighter pockets .. When you had a lot of silver on board, you'd have trouble keeping your pants up (especially if you wore suspenders).
Not sure what the point of this post is ... ApplePay is a technology for credit transactions, not necessarily to replace cash. Fwiw, my wallet is for cards, I carry cash separately in my pocket
The point of my post is I'm not going to leave my wallet at home. I use it to hold my cards and cash and dry cleaner claim check, etc. It is a convenient place to store any small valuable paper temporarily, like deposit receipts, a business card and so forth. Right now in my wallet I have a drivers license, three auto insurance cards, health insurance card, three credit cards, an ATM card, a AAA card, golf club membership, a dry cleaning ticket, a claim check for my tailor, a lottery ticket and a few hundred in cash. That is my life style. I am not saying I won't use ?Pay I'm just saying I'm not giving up my wallet.
I think more needs to be stated to make it even more clear as @timgriff84 is not alone in not fully understanding how ?Pay works. Granted, a good deal of that is Apple's fault for keeping so much of te details close to the vest, but there are two general distinctions that need to be beaten in the public.
1) What you state about how Apple's specific end-towns solution is better than other NFC-based solutions that came before it, because of their efforts with financial institutions, using a representaional card number that is created and stored by the bank, and the Secure Element on the device.
2) NFC is not the same as the simplistic RFID tags in cards. One can say that NFC is a sophisticated, secure evolution of RFID tags, but they are less similar than HTTP and HTTPS. This is what I think are confusing when they say current wireless payment systems won't support ?Pay. Those won't support any NFC solution but ?Pay will be support led by all NFC solutions.
NFC builds upon RFID systems by allowing two-way communication between endpoints, where earlier systems such as contactlesssmartcards or credit cards were one-way only. Those types of one way credit cards are a disaster waiting to happen. See below.
Now with the available 2-Way communication, different mobile payments can use it but still work very differently. So if the specific infrastructure is not available behind a particular NFC POS terminal, it will not support that system. It's like Beats Music and Spotify can both play music over WiFi but they are completely different systems and you need a different App for each.
Visa today confirmed that it will support consumer payments with the iPhone 6, iPhone 6 Plus, and Apple Watch.
That is remarkable. For starters, it's not too common to have that kind of support for a product right before it's launched, but the ?Watch is probably about a half-year from being released and they are already stating they are supporting it. Sure, it was announced the same day as the iPhones, but it's still atypical.
I just see so much momentum behind ?Pay that if it fails I will shocked. I expect nothing less than wildfire across the industry. In fact, I've been trying to think of a new, more svelte wallet solution for this beave new world I'm expecting.
That's an interesting conundrum! Ideally, you'd carry your iPhone 5S (for later use with Apple Watch) or 6 in your front pants pocket. A svelte wallet containing ID, a few bills and 1 or 2 credit cards in your back pocket.
Question 1: if you carry only 1 or 2 credit cards (likely, US only for now) -- which credit cards would they be?
Question 2: What's the best credit credit card?
Answer 2: The best credit card is the one you never have with you! ™ ?Pay
P.S. @Sol Did you have your eyeglass prescription changed -- I find that some of your recent posts are much easier for these 75-year-old eyes to read
The point of my post is I'm not going to leave my wallet at home. I use it to hold my cards and cash and dry cleaner claim check, etc. It is a convenient place to store any small valuable paper temporarily, like deposit receipts, a business card and so forth. Right now in my wallet I have a drivers license, three auto insurance cards, health insurance card, three credit cards, an ATM card, a dry cleaning ticket, a claim check for my tailor, a lottery ticket an a few hundred in cash. That is my life style. I am not saying I won't use ?Pay I'm just saying I'm not giving up my wallet.
Dry cleaner's claim check? I suppose if you take public transportation the wallet would be the place to keep it, but I drive so it used to go in the console or passenger visor, but I now injuat jot the claim number into Notes and toss it. And that's just being extra cautious because they never ask for my number anyway.
Claim ticket for your tailor? Really? How often are you getting your clothes adjusted that it becomes an issue for you to ever consider ?Pay as a viable solution? I say that's ridiculous.
Why the **** do people carry their auto insurance cards with them? Leave that shit in your glove compartment with the registration. (Note: I personally don't use the glove compartment for such documents. I have a simple plastic envelope that I stuck with industrial Velcro that is adhered to the bottom of the driver seat. Many years ago a vehicle was broken into in Atlanta and they grabbed everything they could, presumably in a hurry, which meant they stole my registration and insurance card. A rare occurrence but I'd rather it not be accessible with the typical smash and grab.)
Why can't you carry a lottery ticket with you and use ?Pay? Why do you need several hundred in cash on you? It sounds like you don't even trust using plastic.
And if you are going to take on this identity as Anachronistic Man —worst... Marvel... superhero.... EVER! — you'll need an alter ego so why not add these cards to ?Pay and start paying with it while carrying the cards, the way I have a plastic Starbucks card and use PassBook for Starbucks when I don't want to carry my wallet. You even leave a card or two home knowing you have all that cash on hand plus a debit card if the terror of technology strikes Ludditeville.
If you travel abroad, AMEX. I opted for their travel insurance, $10 month. It includes $200,000 medical insurance, medical evacuation, terrorist evacuation, family member flight to assist in an emergency. Also includes emergency cash worldwide if your wallet is stolen or lost and lots of other services.
For online ?Pay payments -- I suspect a coming enhancement will be the ability for Apple Pay on the iPhone to [B][I] securely Hand Off [/I][/B] the ?Pay pseudo-cc# and one-time security code to a Safari browser running on Yosemite.
For other browsers or platforms, the iPhone could just display the ?Pay pseudo-cc# and one-time security code on the iPhone for the user to key in -- less convenient, but more secure!
1) I'm usually posting on the go so I usually don't have the luxury, time, or desire to go back through multiple comments to find some deeper point. This means I oft respond to posts as they are stated.
2) I'm still not getting what a week or two has to do with anything. This is going to take awhile, but from what I can tell it looks like Apple will have more NFC-capable devices on the market in the US than all other vendors combined by the end of the year. Combine that with the multinationals and banks behind it along with major companies that already support NFC and I see no reason to say that ?Pay is off to a better start before it's even launched than any other service or product in Apple's history.
3) Give it 3 years.
2) The same reason that I am not getting what a week or two has to do with retailers not signing up.
3) Then we've been in agreement right from the outset.
1) That's clearly your issue, not the original poster's.
Dry cleaner's claim check? I suppose if you take public transportation the wallet would be the place to keep it, but I drive so it used to go in the console or passenger visor, but I now injuat jot the claim number into Notes and toss it. And that's just being extra cautious because they never ask for my number anyway.
Claim ticket for your tailor? Really? How often are you getting your clothes adjusted that it becomes an issue for you to ever consider ?Pay as a viable solution? I say that's ridiculous.
Why the **** do people carry their auto insurance cards with them? Leave that shit in your glove compartment with the registration. (Note: I personally don't use the glove compartment for such documents. I have a simple plastic envelope that I stuck with industrial Velcro that is adhered to the bottom of the driver seat. Many years ago a vehicle was broken into in Atlanta and they grabbed everything they could, presumably in a hurry, which meant they stole my registration and insurance card. A rare occurrence but I'd rather it not be accessible with the typical smash and grab.)
Why can't you carry a lottery ticket with you and use ?Pay? Why do you need several hundred in cash on you? It sounds like you don't even trust using plastic. You what killed the dinosaurs? Jurrasic Ebola spread from using cash. Fact!
And if you are going to take on this identity as Man —[Bi{worst... Marvel... superhero.... EVER![/I] — you'll need an alter ego so why not add these cards to ?Pay and start paying with it while carrying the cards, the way I have a serif Starbucks card and use PassBook for Starbucks when I don't want to carry my wallet. You even leave a card or two home knowing you have all that cash on hand plus a debit card if the terror of technology strikes Ludditopolous.
Simple explanation. I like having all essential items in one place. That way I don't have to think about where each item is. As for the auto insurance cards, I take my autos into the dealer for routine maintenance and sometimes they need to see the insurance card since they expire every six months. You drive into the service lane and they take your car, you walk to the loaner desk and whoops the insurance card is in the glove box in the garage somewhere. After a couple times I just decided to carry them. They are really thin so not a problem. You need your insurance card any time you rent a car, which for me is often.
I keep cash in case of natural disasters, power outages, or for tipping valets, etc.
Sometimes I send my personal assistant to pick up my dry cleaning and I always have my tailor press my suits, as I don't trust the dry cleaner to do it as well. That is why I keep the receipts. It is just easier for them to hand them the receipt than to show them a note on your phone.
I plan to use ?Pay but I'm leaving everything in my wallet as well.
That's an interesting conundrum! Ideally, you'd carry your iPhone 5S (for later use with Apple Watch) or 6 in your front pants pocket. A svelte wallet containing ID, a few bills and 1 or 2 credit cards in your back pocket.
Question 1: if you carry only 1 or 2 credit cards (likely, US only for now) -- which credit cards would they be?
Question 2: What's the best credit credit card?
Answer 2: The best credit card is the one you never have with you! ™ ?Pay
P.S. @Sol Did you have your eyeglass prescription changed -- I find that some of your recent posts are much easier for these 75-year-old eyes to read
1a) I can't answer any of those questions.
1b) When I used to travel extensively I had three stages of payments. Stage one was basically some cash in the local currency in a front pocket. Stage two was a flat waist belt — NOT a fanny pack — that I wore under my shirt and pants that would contain a US state ID, driver's license or US passport (as the situation required), and typically a bank card as that is the best waybm to get funds in the local currency. Stage three was a device of my own creation. It was industrial Velcro and neoprene I deigned and sewed to make a pouch to wear on my upper calf that would contain backup documents and at least a CC in case Inwas robbed. Obviously not effective if one wears shorts or if one had their pants robbed but I wasn't willing for stage four, inserting things under the skin or in an oriffice.
If you travel abroad, AMEX. I opted for their travel insurance, $10 month. It includes $200,000 medical insurance, medical evacuation, terrorist evacuation, family member flight to assist in an emergency. Also includes emergency cash worldwide if your wallet is stolen or lost and lots of other services.
Admittedly, it's been a while -- but the last time I traveled to Europe, AMEX was a poor choice ... Many places had little signs saying "AMEX Not Accepted".
I lived in Saratoga, CA (south of Cupertino) and we banked at Barclays. Whenever I planned a trip abroad they would provide currency for each country (at exchange rates -- no extra charge) and offered many of the services you mentioned.
We also used Barclays bank for the merchant account at our Computer stores -- offered minimum cc fees and great service ...
That all went to hell when BNP took over that branch! Sigh!
That's an interesting conundrum! Ideally, you'd carry your iPhone 5S (for later use with Apple Watch) or 6 in your front pants pocket. A svelte wallet containing ID, a few bills and 1 or 2 credit cards in your back pocket.
Question 1: if you carry only 1 or 2 credit cards (likely, US only for now) -- which credit cards would they be?
Question 2: What's the best credit credit card?
Answer 2: The best credit card is the one you never have with you! ™ ?Pay
P.S. @Sol Did you have your eyeglass prescription changed -- I find that some of your recent posts are much easier for these 75-year-old eyes to read
1a) I can't answer any of those questions.
1b) When I used to travel extensively I had three stages of payments. Stage one was basically some cash in the local currency in a front pocket. Stage two was a flat waist belt — NOT a fanny pack — that I wore under my shirt and pants that would contain a US state ID, driver's license or US passport (as the situation required), and typically a bank card as that is the best waybm to get funds in the local currency. Stage three was a device of my own creation. It was industrial Velcro and neoprene I deigned and sewed to make a pouch to wear on my upper calf that would contain backup documents and at least a CC in case Inwas robbed. Obviously not effective if one wears shorts or if one had their pants robbed but I wasn't willing for stage four, inserting things under the skin or in an oriffice.
2) You lost me on the eyeglasses comment.
2) e.g. YOU MUST BE A LOT OF FUN GOING THROUGH AIRPORT SECURITY
Admittedly, it's been a while -- but the last time I traveled to Europe, AMEX was a poor choice ... Many places had little signs saying "AMEX Not Accepted".
I have not seen any of those signs except in the US. The reason merchants don't like AMEX is because the fees are higher and they don't pay as quickly. I always take ALL major cards with me but even if I didn't use my AMEX it is still essential to own in my opinion.
I was in Peru on vacation and we stopped into a tiny store in the mountains for some drinks. He didn't have enough change to break a bill so he asked if we had AMEX.
The point of my post is I'm not going to leave my wallet at home. ....
Dry cleaner's claim check? .......etc
I don't see (yet) how I can leave behind my: (i) driver's license; (ii) the ID for my place of work, which I need to open doors, pay for lunch, etc., (iii) my ATM card (since I always like to keep some cash in my pocket, esp. when I travel); (iv) my health insurance card (which is used less often, but I prefer to have it in my wallet); (v) pictures my kids (I know that the iPhone has 30,000, but I still like the touch/feel of an actual picture).
Where/how would I carry them?
I could get a wallet case for the iPhone, but they're all quite ugly and chunky (and, perhaps I am being silly, but I always wonder how the magnetic stripes interact with all of the phone's electronics...).
Comments
I'm not to clear if Apple pay is the existing nfc payment tech or if its actually something new and requires new terminals. Different articles indicate different things.
So far despite being around for a few years now, nfc payments don't seem that popular. Most places in the UK support it, but you hear more incidents of cards being miss read when people didn't intend to use it than you see people actually using it.
So if Apple made something new I can absolutely understand shows not wanting to pay for new readers. What's more or would probably make less people use them due to confusions on compatibility.
Also with the low uptake of people using the nfc chip in their credit cards offered chip and pin, if makes sense not wanting to upgrade.
From what I understand ApplePay will work with existing NFC terminals. Visa made the following statement in September.
"London, 9 September 2014 - Visa today confirmed that it will support consumer payments with the iPhone 6, iPhone 6 Plus, and Apple Watch. Participating financial institutions in the U.S., and eventually in other markets, will be able to add Visa debit and credit cards to Apple Pay and enable their customers to make easy and secure purchases at select merchants both in stores and in apps.
Steve Perry, Chief Digital Officer at Visa Europe, comments: “Apple’s entry to the market represents a critical piece of the mobile payments jigsaw. This is a pivotal moment for digital payments and one that demonstrates the momentum behind mobile and contactless services.
“Visa Europe has led the rollout of NFC payments ever since we launched the first contactless cards and terminals in 2007. Today there are more than 1.5 million Visa contactless terminals in stores across Europe – all ready to take mobile payments. Apple’s decision to enter the market reflects the scale of opportunity that exists in digital payments today. Its support will drive awareness and usage of contactless services around the world – we anticipate a “halo effect” that will benefit all players in the mobile payments ecosystem.”
“We are working closely with Apple and with our member banks to bring this new service to market in Europe.”
As a matter of interest Worldpay state that contactless payment volumes in the UK more than doubled from four million in July 2013 to 10.9 million in July 2014.
I think more needs to be stated to make it even more clear as [@]timgriff84[/@] is not alone in not fully understanding how ?Pay works. Some of that is Apple's fault for keeping so much of the details close to the vest, but there are two general distinctions that need to be beaten in the public.
1) What you've ready stated, about how Apple's specific end-to-end solution is better than other NFC-based solutions that came before it, because of their efforts with financial institutions, using a representaional card number that is created and stored by the bank, and the Secure Element on the device.
2) NFC is not the same as the simplistic RFID tags in cards. One can say that NFC is a sophisticated, secure evolution of RFID tags, but they are less similar than HTTP and HTTPS. This is what I think are confusing when they say current contactless payment systems won't support ?Pay. Those won't support any NFC solution but ?Pay will be supported by all NFC solutions.
It's all right, they'll eventually, over an extended period of time, with use NFC payments. Yes.
That is remarkable. For starters, it's not too common to have that kind of support for a product right before it's launched, but the ?Watch is probably about a half-year from being released and they are already stating they are supporting it. Sure, it was announced the same day as the iPhones, but it's still atypical.
I just see so much momentum behind ?Pay that if it fails I will shocked. I expect nothing less than wildfire across the industry. In fact, I've been trying to think of a new, more svelte wallet solution for this beave new world I'm expecting.
Ha!
You might change your mind if you had an experience like this:
When I first went to work for IBM in 1964 -- it was in Las Vegas, Nevada.
There were slot machines everywhere -- restaurants, stores, coffee shops, supermarkets, carwashes, gas stations ...
When you bought anything they'd give you change in silver dollars instead of bills.
It was a real PITA, because you'd have to make a trip to the bank to exchange the silver dollar for bills, or conveniently (for the merchants) just drop them into a slot machine!
Choosing neither, you could walk around with an ever-increasing horde of silver dollars.
Now, a silver dollar weighs, roughly an ounce -- and 16 of these make a pound.
After a while, these would begin to weigh you down, so you'd try to distribute them evenly among your pockets. If you were wearing loose sorts with big deep pockets, they'd tend to clang together -- endangering your manhood or, at best, temporarily raising the pitch of your voice. Working for IBM, we wore suits with tighter pockets .. When you had a lot of silver on board, you'd have trouble keeping your pants up (especially if you wore suspenders).
You had to be there ...
Not sure what the point of this post is ... ApplePay is a technology for credit transactions, not necessarily to replace cash. Fwiw, my wallet is for cards, I carry cash separately in my pocket
The point of my post is I'm not going to leave my wallet at home. I use it to hold my cards and cash and dry cleaner claim check, etc. It is a convenient place to store any small valuable paper temporarily, like deposit receipts, a business card and so forth. Right now in my wallet I have a drivers license, three auto insurance cards, health insurance card, three credit cards, an ATM card, a AAA card, golf club membership, a dry cleaning ticket, a claim check for my tailor, a lottery ticket and a few hundred in cash. That is my life style. I am not saying I won't use ?Pay I'm just saying I'm not giving up my wallet.
Will you be able to use Apple Pay when you go to the [B][I] A & P ...[/I][/B]
I think more needs to be stated to make it even more clear as @timgriff84 is not alone in not fully understanding how ?Pay works. Granted, a good deal of that is Apple's fault for keeping so much of te details close to the vest, but there are two general distinctions that need to be beaten in the public.
1) What you state about how Apple's specific end-towns solution is better than other NFC-based solutions that came before it, because of their efforts with financial institutions, using a representaional card number that is created and stored by the bank, and the Secure Element on the device.
2) NFC is not the same as the simplistic RFID tags in cards. One can say that NFC is a sophisticated, secure evolution of RFID tags, but they are less similar than HTTP and HTTPS. This is what I think are confusing when they say current wireless payment systems won't support ?Pay. Those won't support any NFC solution but ?Pay will be support led by all NFC solutions.
NFC builds upon RFID systems by allowing two-way communication between endpoints, where earlier systems such as contactless smart cards or credit cards were one-way only. Those types of one way credit cards are a disaster waiting to happen. See below.
Now with the available 2-Way communication, different mobile payments can use it but still work very differently. So if the specific infrastructure is not available behind a particular NFC POS terminal, it will not support that system. It's like Beats Music and Spotify can both play music over WiFi but they are completely different systems and you need a different App for each.
That's an interesting conundrum! Ideally, you'd carry your iPhone 5S (for later use with Apple Watch) or 6 in your front pants pocket. A svelte wallet containing ID, a few bills and 1 or 2 credit cards in your back pocket.
Question 1: if you carry only 1 or 2 credit cards (likely, US only for now) -- which credit cards would they be?
Question 2: What's the best credit credit card?
Answer 2: The best credit card is the one you never have with you! ™ ?Pay
P.S. @Sol Did you have your eyeglass prescription changed -- I find that some of your recent posts are much easier for these 75-year-old eyes to read
Dry cleaner's claim check? I suppose if you take public transportation the wallet would be the place to keep it, but I drive so it used to go in the console or passenger visor, but I now injuat jot the claim number into Notes and toss it. And that's just being extra cautious because they never ask for my number anyway.
Claim ticket for your tailor? Really? How often are you getting your clothes adjusted that it becomes an issue for you to ever consider ?Pay as a viable solution? I say that's ridiculous.
Why the **** do people carry their auto insurance cards with them? Leave that shit in your glove compartment with the registration. (Note: I personally don't use the glove compartment for such documents. I have a simple plastic envelope that I stuck with industrial Velcro that is adhered to the bottom of the driver seat. Many years ago a vehicle was broken into in Atlanta and they grabbed everything they could, presumably in a hurry, which meant they stole my registration and insurance card. A rare occurrence but I'd rather it not be accessible with the typical smash and grab.)
Why can't you carry a lottery ticket with you and use ?Pay? Why do you need several hundred in cash on you? It sounds like you don't even trust using plastic.
And if you are going to take on this identity as Anachronistic Man —worst... Marvel... superhero.... EVER! — you'll need an alter ego so why not add these cards to ?Pay and start paying with it while carrying the cards, the way I have a plastic Starbucks card and use PassBook for Starbucks when I don't want to carry my wallet. You even leave a card or two home knowing you have all that cash on hand plus a debit card if the terror of technology strikes Ludditeville.
Question 2: What's the best credit credit card?
If you travel abroad, AMEX. I opted for their travel insurance, $10 month. It includes $200,000 medical insurance, medical evacuation, terrorist evacuation, family member flight to assist in an emergency. Also includes emergency cash worldwide if your wallet is stolen or lost and lots of other services.
For other browsers or platforms, the iPhone could just display the ?Pay pseudo-cc# and one-time security code on the iPhone for the user to key in -- less convenient, but more secure!
1) I'm usually posting on the go so I usually don't have the luxury, time, or desire to go back through multiple comments to find some deeper point. This means I oft respond to posts as they are stated.
2) I'm still not getting what a week or two has to do with anything. This is going to take awhile, but from what I can tell it looks like Apple will have more NFC-capable devices on the market in the US than all other vendors combined by the end of the year. Combine that with the multinationals and banks behind it along with major companies that already support NFC and I see no reason to say that ?Pay is off to a better start before it's even launched than any other service or product in Apple's history.
3) Give it 3 years.
2) The same reason that I am not getting what a week or two has to do with retailers not signing up.
3) Then we've been in agreement right from the outset.
1) That's clearly your issue, not the original poster's.
Dry cleaner's claim check? I suppose if you take public transportation the wallet would be the place to keep it, but I drive so it used to go in the console or passenger visor, but I now injuat jot the claim number into Notes and toss it. And that's just being extra cautious because they never ask for my number anyway.
Claim ticket for your tailor? Really? How often are you getting your clothes adjusted that it becomes an issue for you to ever consider ?Pay as a viable solution? I say that's ridiculous.
Why the **** do people carry their auto insurance cards with them? Leave that shit in your glove compartment with the registration. (Note: I personally don't use the glove compartment for such documents. I have a simple plastic envelope that I stuck with industrial Velcro that is adhered to the bottom of the driver seat. Many years ago a vehicle was broken into in Atlanta and they grabbed everything they could, presumably in a hurry, which meant they stole my registration and insurance card. A rare occurrence but I'd rather it not be accessible with the typical smash and grab.)
Why can't you carry a lottery ticket with you and use ?Pay? Why do you need several hundred in cash on you? It sounds like you don't even trust using plastic. You what killed the dinosaurs? Jurrasic Ebola spread from using cash. Fact!
And if you are going to take on this identity as Man —[Bi{worst... Marvel... superhero.... EVER![/I] — you'll need an alter ego so why not add these cards to ?Pay and start paying with it while carrying the cards, the way I have a serif Starbucks card and use PassBook for Starbucks when I don't want to carry my wallet. You even leave a card or two home knowing you have all that cash on hand plus a debit card if the terror of technology strikes Ludditopolous.
Simple explanation. I like having all essential items in one place. That way I don't have to think about where each item is. As for the auto insurance cards, I take my autos into the dealer for routine maintenance and sometimes they need to see the insurance card since they expire every six months. You drive into the service lane and they take your car, you walk to the loaner desk and whoops the insurance card is in the glove box in the garage somewhere. After a couple times I just decided to carry them. They are really thin so not a problem. You need your insurance card any time you rent a car, which for me is often.
I keep cash in case of natural disasters, power outages, or for tipping valets, etc.
Sometimes I send my personal assistant to pick up my dry cleaning and I always have my tailor press my suits, as I don't trust the dry cleaner to do it as well. That is why I keep the receipts. It is just easier for them to hand them the receipt than to show them a note on your phone.
I plan to use ?Pay but I'm leaving everything in my wallet as well.
1a) I can't answer any of those questions.
1b) When I used to travel extensively I had three stages of payments. Stage one was basically some cash in the local currency in a front pocket. Stage two was a flat waist belt — NOT a fanny pack — that I wore under my shirt and pants that would contain a US state ID, driver's license or US passport (as the situation required), and typically a bank card as that is the best waybm to get funds in the local currency. Stage three was a device of my own creation. It was industrial Velcro and neoprene I deigned and sewed to make a pouch to wear on my upper calf that would contain backup documents and at least a CC in case Inwas robbed. Obviously not effective if one wears shorts or if one had their pants robbed but I wasn't willing for stage four, inserting things under the skin or in an oriffice.
2) You lost me on the eyeglasses comment.
Admittedly, it's been a while -- but the last time I traveled to Europe, AMEX was a poor choice ... Many places had little signs saying "AMEX Not Accepted".
I lived in Saratoga, CA (south of Cupertino) and we banked at Barclays. Whenever I planned a trip abroad they would provide currency for each country (at exchange rates -- no extra charge) and offered many of the services you mentioned.
We also used Barclays bank for the merchant account at our Computer stores -- offered minimum cc fees and great service ...
That all went to hell when BNP took over that branch! Sigh!
2) e.g. YOU MUST BE A LOT OF FUN GOING THROUGH AIRPORT SECURITY
Admittedly, it's been a while -- but the last time I traveled to Europe, AMEX was a poor choice ... Many places had little signs saying "AMEX Not Accepted".
I have not seen any of those signs except in the US. The reason merchants don't like AMEX is because the fees are higher and they don't pay as quickly. I always take ALL major cards with me but even if I didn't use my AMEX it is still essential to own in my opinion.
I was in Peru on vacation and we stopped into a tiny store in the mountains for some drinks. He didn't have enough change to break a bill so he asked if we had AMEX.
The point of my post is I'm not going to leave my wallet at home. ....
Dry cleaner's claim check? .......etc
I don't see (yet) how I can leave behind my: (i) driver's license; (ii) the ID for my place of work, which I need to open doors, pay for lunch, etc., (iii) my ATM card (since I always like to keep some cash in my pocket, esp. when I travel); (iv) my health insurance card (which is used less often, but I prefer to have it in my wallet); (v) pictures my kids (I know that the iPhone has 30,000, but I still like the touch/feel of an actual picture).
Where/how would I carry them?
I could get a wallet case for the iPhone, but they're all quite ugly and chunky (and, perhaps I am being silly, but I always wonder how the magnetic stripes interact with all of the phone's electronics...).
If you travel abroad, AMEX.
The only trouble is, acceptance of AMEX in Europe and Asia can be hit-or-miss.