I'm sure the shops will figure out some way to track you... For example, if your device is in NFC range (10cm) it's probably also in Bluetooth range, and Bluetooth has a unique mac address.
I think the point is that the vendors will continue to figure a way to track us and I consider it my job to make it harder at each step. I have "Glimmer Blocker" (a personal firewall - so webpages or an app cannot access given websites) on my Apple MBP and I keep adding the url for many sites to it. I also have AddBlockerPlus and it is amazing how much is getting blocked. Lastly, I use "DoNotTrackMe" and it provides redirected email addresses so websites where I have to register do not actually have my email address on their databases.
Good luck all....
anantksundaram wrote: »
When and where is Apple expected to put out a simple "here's what you need to know about ApplePay and how it works"? Anyone know?
I think I'll wait for that, instead of the confusing emails from my credit card companies and such.
They still will not have your name and address, but to your point I notice that most merchants are either asking for a phone number or email address this is how they tracking, but you have choose to share with them, but with the current CC process they take you address and name without asking you.
In the case of walmart they may never allow or move to Applepay, why most of their customers are not apple users, walmart customers are budget buyer which are not apple customers.
maestro64 wrote: »
The only analytics they do on your buying habits is to watch for fraud. Walmart wants to know who you are and what you are buying. Applepay will cut them out of knowing who you are unless you use a frequent buyers card or their own CC.
ericthehalfbee wrote: »
It's important to note Apple didn't really invent Apple Pay. The banks/CC companies/EMV are the ones who created the system and the infrastructure.
Apple happens to be the first with a phone-based "implementation" of this system. Of course, Apples implementation is fantastic so they deserve some credit for Apple Pay. But the underlying security (tokenization) was not created by Apple.
A lot of people don't get this and think Apple is creating some new proprietary system, and this is why some stores aren't signing up. Or that it's less secure because it's Apples own system (also untrue).
SpamSandwich wrote: »
I have a link to a patent that indicates otherwise. Apple designed Apple Pay to improve the existing, flawed system. They removed the area of greatest risk by disintermediating the credit card.
ericthehalfbee wrote: »
I don't think so, but I'd like to see that link.
EMVco only published their tokenization specification in May of this year. Apple is using that system. Apple is big, but not big enough to force the big banks and CC companies to adopt their system.
Visa, for example, is saying their token service works with Apple Pay now and Android in the future. If it was truly Apples system then I doubt they'd be allowing Visa to let Android devices also use it.
ericthehalfbee wrote: »
Apple is big, but not big enough to force the big banks and CC companies to adopt their system..
plovell wrote: »
Apple already said that it will roll out in Europe next year. I guess that Canada will get it also (maybe even sooner ?)
Europe is attractive because there are lots of NFC terminals already. OTOH, they already have chip+PIN so there's less urgency for it than there is in the U.S.
Martin also addressed Apple’s new NFC mobile payments system, Apple Pay. He says the bank is closely watching developments, but also reiterated the U.S. and Canadian banks are different in the way credit card and debit transactions are handled. Down in the States, banks can make fees off debit transactions, opposite of what Canadian banks are able to charge. For this reason alone, Martin opines Apple Pay is “at least a year away” from coming here.
I believe the article is stating they are stored with the card network (MC, Visa, Amex).
I wonder why they changed their name? Was it a branding problem of some kind?
Remember, Apple is not rolling out ApplePay so I doubt ....
With all due respect, I have no idea what you're talking about. That's like saying the record companies were the ones rolling out iTunes...
Indeed it does.
But for this payment flow to work how it does, both Visa/MC/AMEX and the banks will need to store this translation data.
Visa/MC/AMEX to know which bank to actually route the transaction to, and the bank to combine the device account number with the dynamic security code to verify the transaction is valid.
Force is not a good word. Why does Apple need to re-invent the wheel? EMVco has been dealing with online transactions and security forever. It doesn't make sense that they would use an outside developed system from a company with very little transaction processing experience.
Read this specification on EMVco tokenization. Especially the part about where tokens come from and compare their graphic/description to the one above in the Clover article linked regarding Apple Pay. See anything similar? Apple Pay and EMVco tokenization systems are the same.
Edited: Forgot, go to page 24 of the PDF so see their graphic.
bestkeptsecret wrote: »
I wouldn't count on it. Some of the Maps implementation is overdue to certain international customers since iOS 6 and iTunes Radio is still a US-only feature (AFAIK).