Place phone near terminal (doesn't even need to have the screen turned on)
I have a card pre-loaded to Wallet as a funding source, so purchases and refunds go through that card.
Oh. so its even less secure than I thought? I could just take your phone and use it once unlocked, if it's not already? because you didn't enable Google Wallet security.. lol
Incorrect. Nothing special is required. Partnering with Apple just means that retailer is agreeing to setup their terminals correctly or install them if they don't already have them. The technology being used already exists. Apple isn't doing anything different other than making it loads easier.
Hmm, I guess I'll just have to do the 8.1 update, and go try it for myself (fingers crossed).
Used it at Whole Foods last night. It was so simple I wasn't sure it had even worked ... But was then surprised that I still had to sign for the purchase.
LOL. Not. ApplePay doesn't relay my purchase information to Apple or Google, it uses tokenization, and it actually works. Google's implementation is just another one of their multitude of failures.
I am not claiming Android's tap-to-pay to be as secure as ApplePay, but is not insecure. I am at much more financial risk handing my credit card to wait staff at a restaurant than I am using tap-to-pay.
Oh. so its even less secure than I thought? I could just take your phone and use it once unlocked, if it's not already? because you didn't enable Google Wallet security.. lol
nice!
You're right -- I forgot the pin on Wallet. So used to entering it -- still goes as fast as TouchID (usually...).
I have not used this technology yet. Can someone explain to my why the person in the video is essentially tapping or moving the phone to the terminal? It seems to me that it would have a greater range than that. Or is the motion necessary to activate the NFC functionality? Just looked stupid to me. "Look at me, I am tapping my phone on the card scanner"...I hope this is not necessary and the guy in the video was just a tool.
Also...I just noticed that the article said that it took longer for the employee to hand the receipt than it took for ApplePay to execute the transaction...receipt? Why not email the receipt?
Also...I just noticed that the article said that it took longer for the employee to hand the receipt than it took for ApplePay to execute the transaction...receipt? Why not email the receipt?
I'm guessing paper is or will be optional, and the email should be automatic?
As more and more people see others using their phone to pay they will want to have this. I watch the same thing in airports, I being using my phone for boarding passes for about 4 yrs now, and when I first started doing it people were very curious what I was doing and today I see lots of people doing the exact same thing. Apple is employing the old keeping up with the Jones marketing technique, People are going to want what their neighbors have. This is going to spread faster than the Ebola Scare.
Also...I just noticed that the article said that it took longer for the employee to hand the receipt than it took for ApplePay to execute the transaction...receipt? Why not email the receipt?
I too don't understand the point of tapping the terminal; it shouldn't be necessary. I'm guessing this is holdover behavior from users that were required to tap the terminal with previous NFC incarnations.
I can see a receipt for fast-food: it typically has an order number on it. But that is a behavior that a user should be able to choose a default for the first instance, receipt or email.
Bloomberg TV, this morning, has a video with Olivia Sterns - one of their journalists - shopping Walgreens, Whole Foods, etc., using Apple Pay and loving it. It ends with her unable to use it on Uber - but, the live commentators noted Uber was updated later that day.
Also...I just noticed that the article said that it took longer for the employee to hand the receipt than it took for ApplePay to execute the transaction...receipt? Why not email the receipt?
You don't want too long of a range, or it's going to connect to the wrong phone sometimes. Tapping is just a way to make sure you're close enough, but it's not necessary to touch. You do have to get really close though.
Place phone near terminal (doesn't even need to have the screen turned on)
I have a card pre-loaded to Wallet as a funding source, so purchases and refunds go through that card.
Hey, if you want Google to have access to everything about you including all your purchase history... have at it! Just know that you are the sheep and Google has the shears and making a killing off your private information. As for me, I'd rather my information not be kept ANYWHERE. This includes a retail location's servers or by Google in the cloud. I'm sorry, but my credit card information has been hacked too many times by POS magnetic readers (in a taxi in NYC), Target, Home Depot, a Delta airline steward when ordering a drink... what we need is something more secure, not less secure. Follow the money and you'll see where Google is making theirs and it's off you.
I have not used this technology yet. Can someone explain to my why the person in the video is essentially tapping or moving the phone to the terminal? It seems to me that it would have a greater range than that. Or is the motion necessary to activate the NFC functionality? Just looked stupid to me. "Look at me, I am tapping my phone on the card scanner"...I hope this is not necessary and the guy in the video was just a tool.
Most credit card companies have this embedded within their cards now, and Canadian banks have their debit cards equipped as well. Essentially, you can tap or just hold it near the device and it receives the signal transmitted from the chip/NFC. Chip cards are safer to use as it is more difficult to duplicate than a magnetic strip and you use your PIN as verification instead of a signature.
Now my question is, is there a cap on the amount allowed via Apple Pay? I know there is a cap (usually $50 or $100) for debit tap. Anything above this requires either the chip to be inserted and a PIN entered or a signature is required. With the Touch ID, I assume that is verification enough and will allow any amount.
LOL. Not. ApplePay doesn't relay my purchase information to Apple or Google, it uses tokenization, and it actually works. Google's implementation is just another one of their multitude of failures.
Tokenization is a very common technique in NFC payment systems and is also used by Google Wallet. In the case of Google Wallet the token is generated through HCE (host-card emulation).
The only difference is that the transaction is managed by Google and the CC company while with Apple Pay it goes direct to the CC company. But that has nothing to do with security, you could argue that Apple's system is a little more private but that's not the same as more secure. Ow and just like with ApplePay Google Wallet doesn't send personal credit card information to the vendor (he gets a token). So both systems are better than physically giving your CC anyway.
A little more explanation (the explanation that follows isgenerally how HCE works, not just Wallet):
"Token for mapping an account: Within Google Wallet you can chose to use several different payment cards. However, when a payment is done at the POS, a dummy-account number is used. Your card numbers are not known by the handset; instead, an account token is used. When the transaction goes online, the account token is mapped back to the card of your preference (in the cloud!)."
Comments
Incorrect.
Android:
I have a card pre-loaded to Wallet as a funding source, so purchases and refunds go through that card.
Oh. so its even less secure than I thought? I could just take your phone and use it once unlocked, if it's not already? because you didn't enable Google Wallet security.. lol
nice!
Quote:
Incorrect. Nothing special is required. Partnering with Apple just means that retailer is agreeing to setup their terminals correctly or install them if they don't already have them. The technology being used already exists. Apple isn't doing anything different other than making it loads easier.
Hmm, I guess I'll just have to do the 8.1 update, and go try it for myself (fingers crossed).
LOL. Not. ApplePay doesn't relay my purchase information to Apple or Google, it uses tokenization, and it actually works. Google's implementation is just another one of their multitude of failures.
I am not claiming Android's tap-to-pay to be as secure as ApplePay, but is not insecure. I am at much more financial risk handing my credit card to wait staff at a restaurant than I am using tap-to-pay.
Really? If that's correct it's easier than I had read it was. Not requiring a PIN doesn't sound proper tho.
Oh. so its even less secure than I thought? I could just take your phone and use it once unlocked, if it's not already? because you didn't enable Google Wallet security.. lol
nice!
You're right -- I forgot the pin on Wallet. So used to entering it -- still goes as fast as TouchID (usually...).
Really? If that's correct it's easier than I had read it was. Not requiring a PIN doesn't sound proper tho.
I missed the Wallet PIN bit.
Also...I just noticed that the article said that it took longer for the employee to hand the receipt than it took for ApplePay to execute the transaction...receipt? Why not email the receipt?
I'm guessing paper is or will be optional, and the email should be automatic?
As more and more people see others using their phone to pay they will want to have this. I watch the same thing in airports, I being using my phone for boarding passes for about 4 yrs now, and when I first started doing it people were very curious what I was doing and today I see lots of people doing the exact same thing. Apple is employing the old keeping up with the Jones marketing technique, People are going to want what their neighbors have. This is going to spread faster than the Ebola Scare.
Apple Pay looks positively cumbersome.
Also...I just noticed that the article said that it took longer for the employee to hand the receipt than it took for ApplePay to execute the transaction...receipt? Why not email the receipt?
I too don't understand the point of tapping the terminal; it shouldn't be necessary. I'm guessing this is holdover behavior from users that were required to tap the terminal with previous NFC incarnations.
I can see a receipt for fast-food: it typically has an order number on it. But that is a behavior that a user should be able to choose a default for the first instance, receipt or email.
Bloomberg TV, this morning, has a video with Olivia Sterns - one of their journalists - shopping Walgreens, Whole Foods, etc., using Apple Pay and loving it. It ends with her unable to use it on Uber - but, the live commentators noted Uber was updated later that day.
http://tinyurl.com/k36xkoh
Also...I just noticed that the article said that it took longer for the employee to hand the receipt than it took for ApplePay to execute the transaction...receipt? Why not email the receipt?
You don't want too long of a range, or it's going to connect to the wrong phone sometimes. Tapping is just a way to make sure you're close enough, but it's not necessary to touch. You do have to get really close though.
Incorrect.
Android:
I have a card pre-loaded to Wallet as a funding source, so purchases and refunds go through that card.
Hey, if you want Google to have access to everything about you including all your purchase history... have at it! Just know that you are the sheep and Google has the shears and making a killing off your private information. As for me, I'd rather my information not be kept ANYWHERE. This includes a retail location's servers or by Google in the cloud. I'm sorry, but my credit card information has been hacked too many times by POS magnetic readers (in a taxi in NYC), Target, Home Depot, a Delta airline steward when ordering a drink... what we need is something more secure, not less secure. Follow the money and you'll see where Google is making theirs and it's off you.
Most credit card companies have this embedded within their cards now, and Canadian banks have their debit cards equipped as well. Essentially, you can tap or just hold it near the device and it receives the signal transmitted from the chip/NFC. Chip cards are safer to use as it is more difficult to duplicate than a magnetic strip and you use your PIN as verification instead of a signature.
Now my question is, is there a cap on the amount allowed via Apple Pay? I know there is a cap (usually $50 or $100) for debit tap. Anything above this requires either the chip to be inserted and a PIN entered or a signature is required. With the Touch ID, I assume that is verification enough and will allow any amount.
It doesn't matter. You like android, he likes apple. Grow up and move on with your lives.
We don't need slugs trying to push Android here. They can get lost.
It's AppleInsider, in case you didn't notice.
Apple Pay looks positively cumbersome.
Yes, but to use Visa Wave you've gotta learn how to skateboard.
The only difference is that the transaction is managed by Google and the CC company while with Apple Pay it goes direct to the CC company. But that has nothing to do with security, you could argue that Apple's system is a little more private but that's not the same as more secure. Ow and just like with ApplePay Google Wallet doesn't send personal credit card information to the vendor (he gets a token). So both systems are better than physically giving your CC anyway.
A little more explanation (the explanation that follows isgenerally how HCE works, not just Wallet):
"Token for mapping an account: Within Google Wallet you can chose to use several different payment cards. However, when a payment is done at the POS, a dummy-account number is used. Your card numbers are not known by the handset; instead, an account token is used. When the transaction goes online, the account token is mapped back to the card of your preference (in the cloud!)."