If Apple Pay takes off, Walmart and Best Buy will be scrambling to support this. Surprised that a dying Best Buy would give a thumbs down to a new, easier way for people to spend money at their stores.
That's the surprising thing about Best Buy. It allows faster payments, which isn't really an issue for them as they dont seem to ever be busy (except perhaps Black Friday). I'm guessing they will on board by then due to faster payments, getting Apple customers in the door, and, most importantly if the rumours are accurate, lower than "card present" merchant fees.
I think the Mastercard rep was incorrect on a couple of things:
1) When he got down the Iphone 5 and 5s. Neither of which will work with Apple pay, unless he is giving away a secret he wasn't supposed tp. The iPhone 5 and 5S only work in conjunction with the iWatch only for Apple Pay. NFC between the watch and the retailer and not sure about between the Watch and Phone. Could be BLE or some special encrypted version of BLE etc. However, you need to enter in a PIn code, when the watch is on your wrist and it knows you are wearing it. Once removed, you need to enter the PIN again when put back on your wrist to make payments. I firmly believe these will also be card present due to the PIN authorization and the fact that the device knows you did remove it and thus must be you.
2) I also think he is wrong about in-app purchases. These only work with the iPhone 6/6+. Thus they are all made with fingerprint authentication and would then think that they all would receive the card present rate as well.
Is it in "conjunction" insofar that your iPhone needs to be linked to ?Watch at time of purchase -or- that you simply use an iPhone (with the proper type of BT or WiFi) through the PassBook-like ?Pay app which will send the info to ?Watch to be stored on its Secure Element so you aren't having to type in your CC info using its display and digital crown?
Does anyone know if Apple Pay will work in Australia?
Anyway the main reason I'm upgrading is because I think Siri will perform a lot better.
I upgraded from the iPhone 5 to the iPhone 5S to get the faster processor for improved Siri performance (both in terms of responsiveness and accuracy). it paid off big time. I'm looking forward to grabbing the iPhone 6 for exactly the same reason!
Here are 5 of my favorite 15 Siri Commands : You can access all 15 here - bit.ly/KJv3MJ
1. Call (Name) – To make a phone call
2. Launch (App name) – To launch an app
3. Tell (Name) I’ll be right there – To send an SMS message saying “I’ll be right there”
4. Set up a meeting at 9 – Sets up a calendar meeting
5. Email (person’s name) about the trip – Sends an Email
Most French people are ashamed by their English. They don’t even try to speak unless they are forced or cowed. This is, in my opinion, due to the fact that the relation the Frenchs develop with their language is totally different than what we are used to in the Anglo-Saxon world. The French language is sacred for the Frenchs: it's a cultural heritage, and a ‘social marker’. Errors and mistakes are considered as betraying a low-standard social status or education (it may be also true in the English-speaking world, but to a lesser degree). If you care about your image, and don’t want to pass for a boor, you have to use an almost perfect French. Transposing that feeling, many people think that using a rough English would somehow defile them in the eyes of native speakers. So they prefer decline than sound ridiculous.
There regularly were, on TV, “dictées”, i.e. contests where one speaker would read a (difficult) text and the assistance had to write it down as correctly as possible.
Besides, most English words come from (old/middle/modern) French.
Quote:
We had a ball and somehow managed to communicate and enjoy each others' company on a more primitive level. We had 5 days in Paris/Versailles with a private guide and driver (Mercedes limo). We asked both for their recommendations of non-anglicized places and they all turned out to be excellent choices ... we'd go from a private tour of the Louvre to some fantastic hole in the wall.
There are many holes in the wall, even in Paris. That’s true everywhere, but you have to be able to communicate with the autochthons to find them out; that’s one of the reasons why I balk at the idea of visiting a country whose language I don’t even remotely master.
Most French people are ashamed by their English. They don’t even try to speak unless they are forced or cowed. This is, in my opinion, due to the fact that the relation the Frenchs develop with their language is totally different than what we are used to in the Anglo-Saxon world. The French language is sacred for the Frenchs: it's a cultural heritage, and a ‘social marker’. Errors and mistakes are considered as betraying a low-standard social status or education (it may be also true in the English-speaking world, but to a lesser degree). If you care about your image, and don’t want to pass for a boor, you have to use an almost perfect French. Transposing that feeling, many people think that using a rough English would somehow defile them in the eyes of native speakers. So they prefer decline than sound ridiculous.
Mmm ... Profound!
Since reading your post, I've been mentally reviewing my conversations with French individuals as a visitor to their country. I suspect that I have insulted them -- though unintentional and unknowing, it's no excuse.
Brings to mind the cartoon panels of the "Ugly American". There's this American tourist, decked out in Hawaiian shirt, shorts, baseball cap -- camera gear hanging everywhere. The American tourist is trying to make himself understood to the Frenchman -- speaking mangled Franglaise. In each succeeding panel, the American becomes more frustrated and repeats the same thing -- but louder. In the last frame the American is [almost] yelling and talking down to the Frenchman. The thought bubble above the Frenchman says: "It's not that I can't hear you -- it's that I can't understand you!"
But, there's a little subtlety -- as there's a trace of a smirk on the Frenchman's face -- revealing [to me] that the Frenchman really does understand what the American is trying to say -- but refuses to acknowledge the fact if the American won't pronounce it properly ...
I always thought that this was just the Frenchman being stubborn. But, as you've explained above, it would, likely, defile him -- in his own mind -- and in the American's perception of him.
Summer 1977 (4 years after our family's grand tour) -- Four fellow IBMers, from the US, and I come to Paris to attend a class on IBM CICS/DLI (roughly equivalent to today's LAMP web platform). The class was in Vincennes -- so we stayed in individual rooms (bed, Armoire in each room -- bathroom down the hall) across from the Gare de Lyon ... virtually millions of miles away from the Intercontinental on the Rue de Rivoli (where my family had stayed four years earlier. Our rooms weren't air conditioned so we tried to sleep with the windows open ... But the Gare de Lyon was busy 24/7 with traffic, trains and noise. Each morning we'd drag ourselves to the 10-minute train ride to Vincennes.
Andre was the main instructor and spoke English quite well (although he pronounced pause as POWS).
Anyway, Andre invited the 5 American students for a picnic on the weekend. Andre and his wife were buying some property in the country to build a house ... that was the location of our picnic with Andre, his wife and 6-year-old son.
As a way of thanking Andre for the class, his patience with us, and the picnic invitation -- One of the Americans suggested that we have a wine tasting, The 5 of us offered to pay for the wine, and we enlisted Andre's help selecting it ... the final bottle was quite expensive -- but not too much when shared among 5 people on per diem.
Anyway, the picnic went wonderfully -- enjoyed by all ... When it came time for the wine tasting, all went well until we were about to share the final, expensive bottle ...
Andre refused a glass and said that that wine was above his station in life -- he would not budge ...
I can see that moment as if it happened yesterday ...
For the first time, I think I understand ... So soon old -- so late, wise!
.
It’s not the same everywhere. If you take Iceland or Germany as examples, you’ll see that the young generations are increasingly sloppy when it comes to cases, irrespective of the social status. The old system N/A/G/D probably lives its last centuries – exactly what happened when English and the Romance languages got rid of it. It simply becomes too hard for everybody to keep this (mainly redondant) system afloat.
It’s not the same everywhere. If you take Iceland or Germany as examples, you’ll see that the young generations are increasingly sloppy when it comes to cases, irrespective of the social status. The old system N/A/G/D probably lives its last centuries – exactly what happened when English and the Romance languages got rid of it. It simply becomes too hard for everybody to keep this (mainly redondant) system afloat.
1) Sure, not all languages evolve at the same rate, but regardless it's a social indicator that defines one's culture.
2) I find the Great Vowel Shift to have severe negative affects on my ability as a native English speaker to learn other languages. I still have to do a slow, manual shift of each vowel in my head in order to understand most words. I simply can't keep up most of the time.
1) Sure, not all languages evolve at the same rate, but regardless it's a social indicator that defines one's culture.
2) I find the Great Vowel Shift to have severe negative affects on my ability as a native English speaker to learn other languages.
1. Doubtlessly. That’s one of the reasons why artificial languages such as Volapük or Esperanto have never been successful.
2. The Great Vowel Shift surely has put English adrift from the other languages it was related to. It thwarts English people from learning other languages and, conversely, renders English more difficult for non-native speakers. But as an evolution, it is not that flabbergasting. See Werner's law, for example.
As pragmatic as they might be, Amazon still wants to compete with Apple - both with devices and content/ecosystem. The day you will see Amazon join in on Apple Pay is the day Bezos has exhausted all alternatives and Amazon is actually losing money for not accepting Apple Pay.
As for the 200 million devices - Apple Pay will only be available on iPhone 6 and 6+, older models will not have it.
Notice that PayPal and Amazon are doing just fine without each other.
If you call making $800 million loss in one quarter doing fine, then yes, Amazon is doing fine.
Amazon will undoubtedly support ?Pay! As a business sometimes there are necessary "evils" that you must support in order to obtain the most benefit for the business. As an online store Amazon's main goal is, and has been, to make the buying experience the most frictionless process imaginable so that people aren't spending too much time second guessing themselves when it's time to buy, especially since they still do have to compete with brick and mortar. ?Pay will provide that and it will do so on a TON of devices. Add in the fact that amazon hasn't even been able to capture any success with their own phone which has the primary purpose of making it easy for people to purchase from Amazon. There's no way in hell they're going to turn this down this payment method. They're not that stupid or prideful to know that their own device numbers pale in comparison to Apple's, and they don't lack that much foresight to see how great this will be for them. Mark my words.
Amazon are poor with payment security. For as long as I've used it in the UK, ie, six years plus, there is no requirement to enter the security code even once. They are the only retailer I know that don't require it.
Lovely. Great to know for purchasing a new iPhone.
I'm annoyed that the 5s only comes in 32GB now. Apple are really forcing the 6. I probably could free up another 32GB, but I’ll probably end up with a 6 of some kind. Will wait for the updated iPad anyway. What goodies are on there may influence the type of iPhone.
Will answer in PM. I wouldn’t want to be charged with ‘thread polluting’ or ‘infinite tangent error'!
My feeling is that the French's English is generally better than the English's French. I've been doing a French course for several months to brush up on my school stuff. It's a fun language to learn.
Comments
That's the surprising thing about Best Buy. It allows faster payments, which isn't really an issue for them as they dont seem to ever be busy (except perhaps Black Friday). I'm guessing they will on board by then due to faster payments, getting Apple customers in the door, and, most importantly if the rumours are accurate, lower than "card present" merchant fees.
OK!
Here's some more info on how it works!
http://bankinnovation.net/2014/09/heres-how-the-security-behind-apple-pay-will-really-work/
I think the Mastercard rep was incorrect on a couple of things:
1) When he got down the Iphone 5 and 5s. Neither of which will work with Apple pay, unless he is giving away a secret he wasn't supposed tp. The iPhone 5 and 5S only work in conjunction with the iWatch only for Apple Pay. NFC between the watch and the retailer and not sure about between the Watch and Phone. Could be BLE or some special encrypted version of BLE etc. However, you need to enter in a PIn code, when the watch is on your wrist and it knows you are wearing it. Once removed, you need to enter the PIN again when put back on your wrist to make payments. I firmly believe these will also be card present due to the PIN authorization and the fact that the device knows you did remove it and thus must be you.
2) I also think he is wrong about in-app purchases. These only work with the iPhone 6/6+. Thus they are all made with fingerprint authentication and would then think that they all would receive the card present rate as well.
The iPhone 5 and 5S only work in conjunction with the iWatch only for Apple Pay.
Is that confirmed?
Yes. Right from Apple's site
http://www.apple.com/apple-pay/
Is it in "conjunction" insofar that your iPhone needs to be linked to ?Watch at time of purchase -or- that you simply use an iPhone (with the proper type of BT or WiFi) through the PassBook-like ?Pay app which will send the info to ?Watch to be stored on its Secure Element so you aren't having to type in your CC info using its display and digital crown?
http://www.apple.com/apple-pay/
Lovely. Great to know for purchasing a new iPhone.
Does anyone know if Apple Pay will work in Australia?
Anyway the main reason I'm upgrading is because I think Siri will perform a lot better.
I upgraded from the iPhone 5 to the iPhone 5S to get the faster processor for improved Siri performance (both in terms of responsiveness and accuracy). it paid off big time. I'm looking forward to grabbing the iPhone 6 for exactly the same reason!
Here are 5 of my favorite 15 Siri Commands : You can access all 15 here - bit.ly/KJv3MJ
1. Call (Name) – To make a phone call
2. Launch (App name) – To launch an app
3. Tell (Name) I’ll be right there – To send an SMS message saying “I’ll be right there”
4. Set up a meeting at 9 – Sets up a calendar meeting
5. Email (person’s name) about the trip – Sends an Email
Enjoyed talking ...
(or wouldn't admit it
So did I…
Most French people are ashamed by their English. They don’t even try to speak unless they are forced or cowed. This is, in my opinion, due to the fact that the relation the Frenchs develop with their language is totally different than what we are used to in the Anglo-Saxon world. The French language is sacred for the Frenchs: it's a cultural heritage, and a ‘social marker’. Errors and mistakes are considered as betraying a low-standard social status or education (it may be also true in the English-speaking world, but to a lesser degree). If you care about your image, and don’t want to pass for a boor, you have to use an almost perfect French. Transposing that feeling, many people think that using a rough English would somehow defile them in the eyes of native speakers. So they prefer decline than sound ridiculous.
There regularly were, on TV, “dictées”, i.e. contests where one speaker would read a (difficult) text and the assistance had to write it down as correctly as possible.
Besides, most English words come from (old/middle/modern) French.
Quote:
There are many holes in the wall, even in Paris. That’s true everywhere, but you have to be able to communicate with the autochthons to find them out; that’s one of the reasons why I balk at the idea of visiting a country whose language I don’t even remotely master.
Mmm ... Profound!
Since reading your post, I've been mentally reviewing my conversations with French individuals as a visitor to their country. I suspect that I have insulted them -- though unintentional and unknowing, it's no excuse.
Brings to mind the cartoon panels of the "Ugly American". There's this American tourist, decked out in Hawaiian shirt, shorts, baseball cap -- camera gear hanging everywhere. The American tourist is trying to make himself understood to the Frenchman -- speaking mangled Franglaise. In each succeeding panel, the American becomes more frustrated and repeats the same thing -- but louder. In the last frame the American is [almost] yelling and talking down to the Frenchman. The thought bubble above the Frenchman says: "It's not that I can't hear you -- it's that I can't understand you!"
But, there's a little subtlety -- as there's a trace of a smirk on the Frenchman's face -- revealing [to me] that the Frenchman really does understand what the American is trying to say -- but refuses to acknowledge the fact if the American won't pronounce it properly ...
I always thought that this was just the Frenchman being stubborn. But, as you've explained above, it would, likely, defile him -- in his own mind -- and in the American's perception of him.
Summer 1977 (4 years after our family's grand tour) -- Four fellow IBMers, from the US, and I come to Paris to attend a class on IBM CICS/DLI (roughly equivalent to today's LAMP web platform). The class was in Vincennes -- so we stayed in individual rooms (bed, Armoire in each room -- bathroom down the hall) across from the Gare de Lyon ... virtually millions of miles away from the Intercontinental on the Rue de Rivoli (where my family had stayed four years earlier. Our rooms weren't air conditioned so we tried to sleep with the windows open ... But the Gare de Lyon was busy 24/7 with traffic, trains and noise. Each morning we'd drag ourselves to the 10-minute train ride to Vincennes.
Andre was the main instructor and spoke English quite well (although he pronounced pause as POWS).
Anyway, Andre invited the 5 American students for a picnic on the weekend. Andre and his wife were buying some property in the country to build a house ... that was the location of our picnic with Andre, his wife and 6-year-old son.
As a way of thanking Andre for the class, his patience with us, and the picnic invitation -- One of the Americans suggested that we have a wine tasting, The 5 of us offered to pay for the wine, and we enlisted Andre's help selecting it ... the final bottle was quite expensive -- but not too much when shared among 5 people on per diem.
Anyway, the picnic went wonderfully -- enjoyed by all ... When it came time for the wine tasting, all went well until we were about to share the final, expensive bottle ...
Andre refused a glass and said that that wine was above his station in life -- he would not budge ...
I can see that moment as if it happened yesterday ...
For the first time, I think I understand ... So soon old -- so late, wise!
.
Will answer in PM. I wouldn’t want to be charged with ‘thread polluting’
or ‘infinite tangent error'!
Yeah ... I'm certainly guilty of pushing that limit!
I'd say that's inherent to all spoken languages.
I'd say that's inherent to all spoken languages.
It’s not the same everywhere. If you take Iceland or Germany as examples, you’ll see that the young generations are increasingly sloppy when it comes to cases, irrespective of the social status. The old system N/A/G/D probably lives its last centuries – exactly what happened when English and the Romance languages got rid of it. It simply becomes too hard for everybody to keep this (mainly redondant) system afloat.
1) Sure, not all languages evolve at the same rate, but regardless it's a social indicator that defines one's culture.
2) I find the Great Vowel Shift to have severe negative affects on my ability as a native English speaker to learn other languages. I still have to do a slow, manual shift of each vowel in my head in order to understand most words. I simply can't keep up most of the time.
1) Sure, not all languages evolve at the same rate, but regardless it's a social indicator that defines one's culture.
2) I find the Great Vowel Shift to have severe negative affects on my ability as a native English speaker to learn other languages.
1. Doubtlessly. That’s one of the reasons why artificial languages such as Volapük or Esperanto have never been successful.
2. The Great Vowel Shift surely has put English adrift from the other languages it was related to. It thwarts English people from learning other languages and, conversely, renders English more difficult for non-native speakers. But as an evolution, it is not that flabbergasting. See Werner's law, for example.
As pragmatic as they might be, Amazon still wants to compete with Apple - both with devices and content/ecosystem. The day you will see Amazon join in on Apple Pay is the day Bezos has exhausted all alternatives and Amazon is actually losing money for not accepting Apple Pay.
As for the 200 million devices - Apple Pay will only be available on iPhone 6 and 6+, older models will not have it.
Notice that PayPal and Amazon are doing just fine without each other.
If you call making $800 million loss in one quarter doing fine, then yes, Amazon is doing fine.
Amazon will undoubtedly support ?Pay! As a business sometimes there are necessary "evils" that you must support in order to obtain the most benefit for the business. As an online store Amazon's main goal is, and has been, to make the buying experience the most frictionless process imaginable so that people aren't spending too much time second guessing themselves when it's time to buy, especially since they still do have to compete with brick and mortar. ?Pay will provide that and it will do so on a TON of devices. Add in the fact that amazon hasn't even been able to capture any success with their own phone which has the primary purpose of making it easy for people to purchase from Amazon. There's no way in hell they're going to turn this down this payment method. They're not that stupid or prideful to know that their own device numbers pale in comparison to Apple's, and they don't lack that much foresight to see how great this will be for them. Mark my words.
Amazon are poor with payment security. For as long as I've used it in the UK, ie, six years plus, there is no requirement to enter the security code even once. They are the only retailer I know that don't require it.
http://www.apple.com/apple-pay/
Lovely. Great to know for purchasing a new iPhone.
I'm annoyed that the 5s only comes in 32GB now. Apple are really forcing the 6. I probably could free up another 32GB, but I’ll probably end up with a 6 of some kind. Will wait for the updated iPad anyway. What goodies are on there may influence the type of iPhone.
16 and 32. Unless you mean “doesn’t come in 64”, but every iPhone has dropped the top when falling to the middle.
Will answer in PM. I wouldn’t want to be charged with ‘thread polluting’
or ‘infinite tangent error'!
My feeling is that the French's English is generally better than the English's French. I've been doing a French course for several months to brush up on my school stuff. It's a fun language to learn.
Bon soir!