Folks, lets all remember that--according to the pundits, bloggers, and even some analaysts--ApplePay will not take off. I repeat...ApplePay will not take off.
ApplePay uses NFC technology for the transaction and does not require cell or wifi to be on.
Doesn't the vendor need an internet connection? How does the payment get approved?
Quote:
Originally Posted by john galt
The card information was stored locally until it could be uploaded. ?Pay is no different.
I'm pretty sure they have to connect at the bank to approve the transaction and I suspect they do not store the information onboard. Internet is available on many flights.
Welcome to the year of Apple Pay. Apple is getting a lot of free ad with Apple Pay. Just watched a very good one by American Express over at ************.
Yet again, Tim was absolutely right with the "year of Apple Pay" comment. That's what must drive his detractors so crazy, the fact that he's almost always right, which makes them dive deeper into their bubble of hatred in and lies in order to bash the guy.
His post looks fine to me. Your fonts are all messed up too. What kind of machines are you talking about. Doesn't look like a Mac.
Chrome on Win 7. There is a character map for a black Apple logo, but Chrome and IE don't support it in Windows (I'm sure this is no accident). Does this look like an Apple on a Mac? --> ? It's a square for me, but if I paste it into MS Word, it's a solid black Apple logo.
This seems to be no accident, as "?" and "?" characters are each adjacent to ?, and they draw just fine in Windows Chrome, and on this site.
For ApplePay to work you must have WiFi, does JetBlue provide free WiFi?
Nope. An Internet connection is not required, nor even used, for Apple Pay. It even works in Airplane mode (which all iPhones should be using if airborne).
Nope. An Internet connection is not required, nor even used, for Apple Pay. It even works in Airplane mode (which all iPhones should be using if airborne).
Over whatever network the POS has in place to approve transactions. Just like any credit card would use.
Remember, Apple Pay essentially just emulates the card swipe.
Quote:
Originally Posted by GregInPrague
You're seeing the same slow rollout with merchants on Apple Pay as you are with car makers and Car Play. It's an issue of cost to integrat. For the CC companies it was next to nothing and the risk reduction more than covers the cost.
Don't forget, all merchants must already upgrade their existing POS to support chip and pin by October. I'd bet we'll see many merchants adding Apple Pay as part of the the same project. I have no particular insight into the industry, just thinking' out loud.
Doesn't the vendor need an internet connection? How does the payment get approved?
1) There are local authentications where, if a PoS network/internet connection is down, it can give an authentication which it will then store and try to complete later on when there is a connection. I don't know if the retailer takes any responsibility for a failed authentication later on, but the clear benefit for the retailer is getting a sale as opposed to no sale at the time of purchase.
2) The plane having an internal internet connection for digital transactions, etc., is not the same as the plane having public, and free WiFi on board for passengers.
This kind of application is probably the biggest boon to credit card security that Apple Pay provides. I really think that wait staff/servers who personally handle our credit cards are a huge risk to our security. Granted, NFC payment protects from major data breaches from retailers too, and that's a significant threat.
Another note is that it's pretty funny seeing it typed as Light Gray Square Pay on my machines :P
NFC emulates the data on swipe card, ?Pay is an end-to-end solution that is very different than a name and some numbers on a magnetic strip.
Absolutely correct. I did not mean to imply it was identical to the card swipe, it's not. Basically though, it replaces that part of the work flow. Neither one require the iPhone nor the card, to have it's own internet connection. Authenticating the transaction is handled locally by the Phone. "Authorization" is separate from that, and may or may not be handled in real time. Many times small value transactions are stored and later batched in to the payment processor. If the card (or the account represented by the iPhone) is no good. The merchant is out the funds. I would bet the risk of that happening on an aircraft in flight, is very small.
1) There are local authentications where, if a PoS network/internet connection is down, it can give an authentication which it will then store and try to complete later on when there is a connection. I don't know if the retailer takes any responsibility for a failed authentication later on, but the clear benefit for the retailer is getting a sale as opposed to no sale at the time of purchase.
2) The plane having an internal internet connection for digital transactions, etc., is not the same as the plane having public, and free WiFi on board for passengers.
My point is that Apple Pay eventually needs an internet connection. Apple Pay consists of more than just the communication between the mobile device and the POS device.
Comments
And if Google brokered a deal for, say, United to only support Google Wallet your response would be?
Folks, lets all remember that--according to the pundits, bloggers, and even some analaysts--ApplePay will not take off. I repeat...ApplePay will not take off.
I see what you did there, "Take Off".
ApplePay uses NFC technology for the transaction and does not require cell or wifi to be on.
Doesn't the vendor need an internet connection? How does the payment get approved?
I'm pretty sure they have to connect at the bank to approve the transaction and I suspect they do not store the information onboard. Internet is available on many flights.
Another note is that it's pretty funny seeing it typed as Light Gray Square Pay on my machines :P
His post looks fine to me. Your fonts are all messed up too. What kind of machines are you talking about. Doesn't look like a Mac.
https://support.google.com/wallet/answer/2466137?hl=en
"You'll need a data connection once a day to tap and pay, and every time you need to enter your PIN or want to change/add payment sources."
Welcome to the year of Apple Pay. Apple is getting a lot of free ad with Apple Pay. Just watched a very good one by American Express over at ************.
Yet again, Tim was absolutely right with the "year of Apple Pay" comment. That's what must drive his detractors so crazy, the fact that he's almost always right, which makes them dive deeper into their bubble of hatred in and lies in order to bash the guy.
His post looks fine to me. Your fonts are all messed up too. What kind of machines are you talking about. Doesn't look like a Mac.
Chrome on Win 7. There is a character map for a black Apple logo, but Chrome and IE don't support it in Windows (I'm sure this is no accident). Does this look like an Apple on a Mac? --> ? It's a square for me, but if I paste it into MS Word, it's a solid black Apple logo.
This seems to be no accident, as "?" and "?" characters are each adjacent to ?, and they draw just fine in Windows Chrome, and on this site.
For ApplePay to work you must have WiFi, does JetBlue provide free WiFi?
Nope. An Internet connection is not required, nor even used, for Apple Pay. It even works in Airplane mode (which all iPhones should be using if airborne).
So how does the transaction get approval?
So how does the transaction get approval?
Over whatever network the POS has in place to approve transactions. Just like any credit card would use.
http://www.ipcmobile.com
Over whatever network the POS has in place to approve transactions. Just like any credit card would use.
Remember, Apple Pay essentially just emulates the card swipe.
You're seeing the same slow rollout with merchants on Apple Pay as you are with car makers and Car Play. It's an issue of cost to integrat. For the CC companies it was next to nothing and the risk reduction more than covers the cost.
Don't forget, all merchants must already upgrade their existing POS to support chip and pin by October. I'd bet we'll see many merchants adding Apple Pay as part of the the same project. I have no particular insight into the industry, just thinking' out loud.
1) There are local authentications where, if a PoS network/internet connection is down, it can give an authentication which it will then store and try to complete later on when there is a connection. I don't know if the retailer takes any responsibility for a failed authentication later on, but the clear benefit for the retailer is getting a sale as opposed to no sale at the time of purchase.
2) The plane having an internal internet connection for digital transactions, etc., is not the same as the plane having public, and free WiFi on board for passengers.
NFC emulates the data on swipe card, ?Pay is an end-to-end solution that is very different than a name and some numbers on a magnetic strip.
I think I found a solution for you: http://store.apple.com/us/mac
NFC emulates the data on swipe card, ?Pay is an end-to-end solution that is very different than a name and some numbers on a magnetic strip.
Absolutely correct. I did not mean to imply it was identical to the card swipe, it's not. Basically though, it replaces that part of the work flow. Neither one require the iPhone nor the card, to have it's own internet connection. Authenticating the transaction is handled locally by the Phone. "Authorization" is separate from that, and may or may not be handled in real time. Many times small value transactions are stored and later batched in to the payment processor. If the card (or the account represented by the iPhone) is no good. The merchant is out the funds. I would bet the risk of that happening on an aircraft in flight, is very small.
Doesn't the vendor need an internet connection? How does the payment get approved?
I imagine JetBlue has that all figured out.
My point is that Apple Pay eventually needs an internet connection. Apple Pay consists of more than just the communication between the mobile device and the POS device.