His declared position is that Apple products should be priced out of the range where those who don't deserve to have them can afford them. He's probably working from that list conservatives have been shopping around for years: "It's scandalous that in America poor people have..." and then there's a whole laundry list of items like "color TVs" (Where would you buy a black-and-white TV exactly?), and refrigerators, which shows you how old this list is. Anyway, in recent years they've added cell phones to the items that poor people don't deserve. Remember the "Obamaphone" hysteria about services like Assurance Wireless, even though assistance was extended to wireless phones during the Bush (or was it Clinton?) administration.
Android as a cheaper (up front) alternative, blurs the line between the haves and the have-nots that he wants to keep crystal clear, both here and between this country and the "Third World Hellholes" (In his charming phrase) where it's the dominant system.
I'll sum up what you just said: Apple ][ is a douche bag.
But thanks for your B.S. fear mongering. It's so novel in 2014.
Also, you should rethink your spell checking software. Whatever you are using is appalling.
It's not my spell checking software, it's my sticky keyboard, which doesn't seem to like double letters lately, but thanks for your condescension. NFC is still a technology whose day has gone without ever arriving.
Whenever it's pointed out that NFC is a technology whose day has come and gone (without coming really)...
Excluding any markets that have currently implemented NFC is some way, why do you think NFC's day has both come and gone.
I feel that NFC's day hasn't yet happened since it's never been implemented well within HW, an OS with APIs and frameworks, and been supported by a robust ecosystem with leading industry partners. What is being rumoured now is what I've been saying need to be in place before Apple can get on board.
I can only go by my own observation. I've seen one NFC payment terminal, maybe 6 or 8 years ago, in a Jack-in-the-Box, gathering dust. Never seen one used. If that was the initial surge, I'd say the decline is pretty much over by now. I've never understood how sliding a card through a slot was such a hardship.
I can only go by my own observation. I've seen one NFC payment terminal, maybe 6 or 8 years ago, in a Jack-in-the-Box, gathering dust. Never seen one used. If that was the initial surge, I'd say the decline is pretty much over by now. I've never understood how sliding a card through a slot was such a hardship.
That's my point. There was this feeble, halfhearted and shortsighted attempt to make the tech feasible. What has happened up until now in the US was bound to fail, but the technology itself has always had promise, the problem is way too many think that if technology has promise everything else will fall into place; and perhaps at one one point in human history that was true (Clovis blade?), but not today, and not when you need HW, SW, partners and a complex infrastructure to get going.
What if Apple covers the fees, like they do when one buys content from the iTunes Store?
As you state, CC companies will want their cut, but I'm sure Apple can sweeten the pot, while also throwing in some fraud-prevention bullet points in their presentation to the card companies. I think the chip-and-PIN movement is finally starting to take hold in the US, and this (Touch ID) might be a good way to move the needle even further.
[In related future news: California Institutes Mandatory 50-year Jail Sentence for Criminals Who Peddle Black Market Thumbs Used in Touch ID Scams.]
I highly doubt Apple would cover credit card fees, it would make no sense and would make this this whole idea a cash suck, something Apple rarely does. I've spent the past two years selling point of sale and very familiar with credit card companies, so I'll explain what I think will happen.
Apple is cutting out all the middlemen processors and working directly with the credit card companies. Those companies will give Apple a specific rate and Apple will mark it up a tad and that is what retailers will get charged to process credit cards. The rate will likely be flat and very enticing to retailers and Apple will make a very small cut on every transaction that goes through the system, making Apple a lot of money just like when it takes 30% from the iTune and App Store.
I do not think Apple's goal is to replace credit card companies, they just want to create a method to store credit cards on your phone and use your phone to pay for items, thus locking you further into the Apple ecosystem. Just like with Passbook, Apple isn't trying to replace ticketing companies, they just want to create a better and more paperless way to to receive and have those tickets accepted. Apple is essentially getting into the credit card processing business, not the credit card business.
I can't wait to drive through a fast food joint, have my favorite menu items come up on my phone immediately, confirm the order using the iWallet function, have the robots assemble my order, pick up the order at the window and drive off with no humans involved in the process. It's coming sooner than we think and I look forward to it.
What if the "iWatch" has the rumored NFC chip and thus allows the 5s to also partake in the mobile wallet initiative? Not ideal or the way Apple usually works in regards to bringing new features to market, but it'd be something.
Better yet they could fit in a flush mounted Touch ID sensor into the iWatch, thus allowing all phones supporting iOS 8 into the tap to pay game.
I honestly don't understand why you always stoop this low with comments like this. Do you always denigrate people who don't make the same choices in life or buy the same types of products as you?
I honestly don't give a flying **** what the person next to me or down the street uses when it comes to their smartphones. That's their choice and I'm glad that there is choice in the marketplace. I don't want to live in a world where we all are slaves to the same exact products.
I don't think acknowledging the dangers and limitations of a platform are exactly the same thing as suggesting we should all be slaves to the same products. And although I disagree with the constant Apple / fandroid baiting, I have to admit I share the view about Android being a poor security choice.
People use these devices for sensitive, private matters - among them financial transactions. And against that, Google has not done enough, in my opinion, to ensure that their platform is secure and safe for their users. In fact, I would go so far as to say that the Android ecosystem verges on a high tech version of the Wild West; it is in real terms basically lawless. And consumers are not even informed of these risks, nor does Google actively work to patch these security concerns. Android systems are, I think, wisely distrusted because of these factors.
2) Note he didn't say you were a douchebag, but he stated his what he thought someone else was saying. I'm not sure if that was a veiled insult or not.
I highly doubt Apple would cover credit card fees, it would make no sense and would make this this whole idea a cash suck, something Apple rarely does. I've spent the past two years selling point of sale and very familiar with credit card companies, so I'll explain what I think will happen.
Apple is cutting out all the middlemen processors and working directly with the credit card companies. Those companies will give Apple a specific rate and Apple will mark it up a tad and that is what retailers will get charged to process credit cards. The rate will likely be flat and very enticing to retailers and Apple will make a very small cut on every transaction that goes through the system, making Apple a lot of money just like when it takes 30% from the iTune and App Store.
I do not think Apple's goal is to replace credit card companies, they just want to create a method to store credit cards on your phone and use your phone to pay for items, thus locking you further into the Apple ecosystem. Just like with Passbook, Apple isn't trying to replace ticketing companies, they just want to create a better and more paperless way to to receive and have those tickets accepted. Apple is essentially getting into the credit card processing business, not the credit card business.
^ This. ^
Apple could get a tiny tick of incremental revenue, but they might even choose to skip that part, because more importantly they'll get tons of iPhone sales (upgrades). Depending on specifics, this could be very appealing to the existing hundreds of millions of users of older iPhones. You know, everyone who has been waiting for some significant reason to upgrade.
Think about Samsung and other manufacturers that don't own their entire ecosystem. How will their new models entice users to upgrade? A few more megapixels in the camera? Tilt to scroll? Pfft. How could Samsung create a new model for electronic payments? Almost impossible; they have to wait for Apple to blaze the trail, then eventually they might be able to jump into the stream and join the party.
The credit card companies themselves are playing with fire though. Right now they're a very necessary part of the system, but eventually Apple could choose to cut them out (or severely limit their take). Think about how much control AT&T and the other carriers had over their users' experience prior to the iPhone. Look at them now. This is what I think will eventually happen with electronic transactions.
I'm getting a bit excited about this. Wether it'll be backed by NFC or not, I'm sure Apple will have it thought through to be easy enough for the user (no need to think about the technology behind it).
CC companies will not be left out. Apple is not going to enter that field.
What I'm seeing here is a payment system that will work OK for shops, restaurants ect.... but what about paypal? What if Apple has a system that is also used for purchases made with your iPhone/iPad? Totally speculating here, but maybe there's a "paykit" framework out there that and a user only has to put his thumb on the home button and make a purchase from any app or even website using his AppleID. They have been bragging about so many million accounts with CC behind them. Give users the ability to manage more than one card in their account and never need to pull it out of their pocket. Wether it's a webshop or a real shop. CC info and security code stays in your pocket, all u do is use Touch ID (just like AppStore purchases). Would be neat!
Bottom line: CC companies will play along and get their usual share. I see PayPal in danger here.
I am not convinced that Apple is including NFC on iPhone 6 despite the evidence. Most of the iPhone 6 hardware leaks are from a single, essentially unknown source.
The important thing is to make it sound official and like multiple sources by calling it "a new report."
I do not think Apple's goal is to replace credit card companies, they just want to create a method to store credit cards on your phone and use your phone to pay for items, thus locking you further into the Apple ecosystem. Just like with Passbook, Apple isn't trying to replace ticketing companies, they just want to create a better and more paperless way to to receive and have those tickets accepted. Apple is essentially getting into the credit card processing business, not the credit card business.
Comments
I'll sum up what you just said: Apple ][ is a douche bag.
It's not my spell checking software, it's my sticky keyboard, which doesn't seem to like double letters lately, but thanks for your condescension. NFC is still a technology whose day has gone without ever arriving.
"It's not my spell checking software, it's my sticky keyboard, which doesn't seem to like double letters lately,"
AHAHAHAHAHAHAHAHA!!!!
Seems to do quite fine with "spell," "seem", and "letters."
Stop with your B.S. excuses. You are making a fool of yourself.
No, wait, don't stop. Please continue. Loving your twaddle.
Bite me, A$$hole.
I can only go by my own observation. I've seen one NFC payment terminal, maybe 6 or 8 years ago, in a Jack-in-the-Box, gathering dust. Never seen one used. If that was the initial surge, I'd say the decline is pretty much over by now. I've never understood how sliding a card through a slot was such a hardship.
Bite me, A$$hole.
More proof that there is NOTHING WRONG WITH YOUR KEYBOARD.
Ahahahahahahahahahahaha!!!!!!!!!!! Just walk into it.
That's my point. There was this feeble, halfhearted and shortsighted attempt to make the tech feasible. What has happened up until now in the US was bound to fail, but the technology itself has always had promise, the problem is way too many think that if technology has promise everything else will fall into place; and perhaps at one one point in human history that was true (Clovis blade?), but not today, and not when you need HW, SW, partners and a complex infrastructure to get going.
What if Apple covers the fees, like they do when one buys content from the iTunes Store?
As you state, CC companies will want their cut, but I'm sure Apple can sweeten the pot, while also throwing in some fraud-prevention bullet points in their presentation to the card companies. I think the chip-and-PIN movement is finally starting to take hold in the US, and this (Touch ID) might be a good way to move the needle even further.
[In related future news: California Institutes Mandatory 50-year Jail Sentence for Criminals Who Peddle Black Market Thumbs Used in Touch ID Scams.]
I highly doubt Apple would cover credit card fees, it would make no sense and would make this this whole idea a cash suck, something Apple rarely does. I've spent the past two years selling point of sale and very familiar with credit card companies, so I'll explain what I think will happen.Apple is cutting out all the middlemen processors and working directly with the credit card companies. Those companies will give Apple a specific rate and Apple will mark it up a tad and that is what retailers will get charged to process credit cards. The rate will likely be flat and very enticing to retailers and Apple will make a very small cut on every transaction that goes through the system, making Apple a lot of money just like when it takes 30% from the iTune and App Store.
I do not think Apple's goal is to replace credit card companies, they just want to create a method to store credit cards on your phone and use your phone to pay for items, thus locking you further into the Apple ecosystem. Just like with Passbook, Apple isn't trying to replace ticketing companies, they just want to create a better and more paperless way to to receive and have those tickets accepted. Apple is essentially getting into the credit card processing business, not the credit card business.
I can't wait to drive through a fast food joint, have my favorite menu items come up on my phone immediately, confirm the order using the iWallet function, have the robots assemble my order, pick up the order at the window and drive off with no humans involved in the process. It's coming sooner than we think and I look forward to it.
Oh, by the way... cool new video of the Apple torus construction site:
I disagree strongly. "That Android is an inferior ... operating system" is fact. Not a view.
I'll sum up what you just said: Apple ][ is a douche bag.
Personal attacks, even against people who are superior and more technologically knowledgable than you are, are against the rules on this forum.
I have no choice but to report your post.
1) You have/had a choice.
2) Note he didn't say you were a douchebag, but he stated what he thought someone else was saying. I'm not sure if that was a veiled insult or not.
What if the "iWatch" has the rumored NFC chip and thus allows the 5s to also partake in the mobile wallet initiative? Not ideal or the way Apple usually works in regards to bringing new features to market, but it'd be something.
Better yet they could fit in a flush mounted Touch ID sensor into the iWatch, thus allowing all phones supporting iOS 8 into the tap to pay game.
I don't think acknowledging the dangers and limitations of a platform are exactly the same thing as suggesting we should all be slaves to the same products. And although I disagree with the constant Apple / fandroid baiting, I have to admit I share the view about Android being a poor security choice.
People use these devices for sensitive, private matters - among them financial transactions. And against that, Google has not done enough, in my opinion, to ensure that their platform is secure and safe for their users. In fact, I would go so far as to say that the Android ecosystem verges on a high tech version of the Wild West; it is in real terms basically lawless. And consumers are not even informed of these risks, nor does Google actively work to patch these security concerns. Android systems are, I think, wisely distrusted because of these factors.
1) You have/had a choice.
2) Note he didn't say you were a douchebag, but he stated his what he thought someone else was saying. I'm not sure if that was a veiled insult or not.
LOL!
" src="http://forums-files.appleinsider.com/images/smilies//lol.gif" />
I highly doubt Apple would cover credit card fees, it would make no sense and would make this this whole idea a cash suck, something Apple rarely does. I've spent the past two years selling point of sale and very familiar with credit card companies, so I'll explain what I think will happen.
Apple is cutting out all the middlemen processors and working directly with the credit card companies. Those companies will give Apple a specific rate and Apple will mark it up a tad and that is what retailers will get charged to process credit cards. The rate will likely be flat and very enticing to retailers and Apple will make a very small cut on every transaction that goes through the system, making Apple a lot of money just like when it takes 30% from the iTune and App Store.
I do not think Apple's goal is to replace credit card companies, they just want to create a method to store credit cards on your phone and use your phone to pay for items, thus locking you further into the Apple ecosystem. Just like with Passbook, Apple isn't trying to replace ticketing companies, they just want to create a better and more paperless way to to receive and have those tickets accepted. Apple is essentially getting into the credit card processing business, not the credit card business.
^ This. ^
Apple could get a tiny tick of incremental revenue, but they might even choose to skip that part, because more importantly they'll get tons of iPhone sales (upgrades). Depending on specifics, this could be very appealing to the existing hundreds of millions of users of older iPhones. You know, everyone who has been waiting for some significant reason to upgrade.
Think about Samsung and other manufacturers that don't own their entire ecosystem. How will their new models entice users to upgrade? A few more megapixels in the camera? Tilt to scroll? Pfft. How could Samsung create a new model for electronic payments? Almost impossible; they have to wait for Apple to blaze the trail, then eventually they might be able to jump into the stream and join the party.
The credit card companies themselves are playing with fire though. Right now they're a very necessary part of the system, but eventually Apple could choose to cut them out (or severely limit their take). Think about how much control AT&T and the other carriers had over their users' experience prior to the iPhone. Look at them now. This is what I think will eventually happen with electronic transactions.
I'm getting a bit excited about this. Wether it'll be backed by NFC or not, I'm sure Apple will have it thought through to be easy enough for the user (no need to think about the technology behind it).
CC companies will not be left out. Apple is not going to enter that field.
What I'm seeing here is a payment system that will work OK for shops, restaurants ect.... but what about paypal? What if Apple has a system that is also used for purchases made with your iPhone/iPad? Totally speculating here, but maybe there's a "paykit" framework out there that and a user only has to put his thumb on the home button and make a purchase from any app or even website using his AppleID. They have been bragging about so many million accounts with CC behind them. Give users the ability to manage more than one card in their account and never need to pull it out of their pocket. Wether it's a webshop or a real shop. CC info and security code stays in your pocket, all u do is use Touch ID (just like AppStore purchases). Would be neat!
Bottom line: CC companies will play along and get their usual share. I see PayPal in danger here.
The important thing is to make it sound official and like multiple sources by calling it "a new report."
Exactly my thoughts on the topic.