If we're talking about a Passbook* pass appearing on your lock screen we are talking about location services given to the Passbook* app to know where you are. Now the pass was likely created within the app but that doesn't mean the app had to have location data access on its own; it could just have default store location data that will be accessed by location after being imported into Passbook*.
* Will be referred to as Wallet come iOS 9.
Thank you good sir for clarifying that. Yes it's enabled thru location services in iOS8 itself as I understand it. Apparently you can even be prompted to install a retailers app that you didn't already have simply by visiting a store's location.
The new feature is being able to look at all of your cards and loyalty cards, and choose between them without unlocking your device, which can't be done with 8.4. You're talking about just using the default card to pay.
Yes it can, I've done it several times. (I'm not sure I've done it since 8.4 came out, but surely they haven't removed the ability?)
Hold the phone near the NFC reader, and it automatically wakes up and asks for fingerprint. At the bottom of the screen is my list of non-default cards. I choose one of them and then use Touch ID to complete the transaction on the non-default card. The phone remains locked.
I'm not sure what you mean by "verify". The only thing that needs to be verified is that there are funds available, and that can be (and is) checked in near-real time on either debit or prepaid. It sounds like you mean verify as in attaching to a real individual person/account? Greenbacks don't have that ability, and they work fine in almost all venues! :-)
I don't use debit cards either, so I don't know about overdraft. But I do know that in huge swaths of our country there are millions of people that struggle from week to week just to buy food and pay bills. They do not keep more than very tiny balances in their checking/debit accounts. It's easy to forget this part of our society, the farther away from it we get. That's why there are so many "payday loan" vultures around. :-(
Prepaid cards (like through Visa) are strange beasts. I think they're often used as gifts, but they're also wonderful tools to use when you absolutely have no choice but to use plastic, but you'd rather not be tracked around like an animal. They're just as good as cash or a debit card as far as retailers are concerned. The question I had (and still have!) is whether any of them can be attached to Apple Pay.
Yes, as I said before, verified that you are who you say you are. You can't commit fraud with cash, as long as it's real. But you can use a fake card, or a stolen one.
I doubt you can attach one of those cards to Apple Pay, or any other mobile payment system. It wouldn't be a good idea, in my thinking.
Yes it can, I've done it several times. (I'm not sure I've done it since 8.4 came out, but surely they haven't removed the ability?)
Hold the phone near the NFC reader, and it automatically wakes up and asks for fingerprint. At the bottom of the screen is my list of non-default cards. I choose one of them and then use Touch ID to complete the transaction on the non-default card. The phone remains locked.
I have not been able to use loyalty cards that way. I've tried several times. But I've got to do it separately. I haven't yet tries iOS 9 on my phone, but a feature Apple mentions with Wallet is that it can be done now.
Yes, as I said before, verified that you are who you say you are. You can't commit fraud with cash, as long as it's real. But you can use a fake card, or a stolen one.
Well, there has been a wave of counterfeit bills in my region recently, so the "as long as it's real" can indeed be an issue. Criminals and opportunists are everywhere, unfortunately.
Honestly, I'm not sure how or why a prepaid Visa (not store-specific gift cards, to avoid more pedantic comments like Soli left earlier) is more prone to fraud than a typical debit or credit card. There is probably some real, actuarial-based reasoning behind the scenes, but I'm not seeing it intuitively. You can use a fake credit or debit card as well, and in most cases I suspect have a much larger dollar amount available than on a prepaid.
I doubt you can attach one of those cards to Apple Pay, or any other mobile payment system. It wouldn't be a good idea, in my thinking.
I think that's right. I don't think it's possible now, though I do believe (and hope) it will come some day. As with so many things, as the markets get saturated, companies will reach deeper and broader into new areas to attract new customers.
Unless there's pretty overwhelming (and understandable) reasons why it's a bad idea, I look forward to some day having a slightly safer method than cash to pay for things without being behaviorally profiled 24/7.
Like it or not, most people don't care whether they're tracked, and most of those who do, pretend they aren't.
Generally, it doesn't matter unless you're doing something less than above board. Otherwise, why would you even care?
So glad you asked, because I don't like it. Is that your personal opinion or the results from solid research? Otherwise my personal opinion is: you're very wrong. If you happen to be correct, then my belief is people (including you, which surprises me) are exceedingly ignorant.
I happen to care because I don't want my purchasing, political, etc. decisions to be gamed by others or my rights slowly whittled away by fat cat corporations that have access to too much personal information. It has nothing to do with "below board" behavior.
Drivel, drivel, drivel. So little time and so much drivel to write.
Yes, as I said before, verified that you are who you say you are. You can't commit fraud with cash, as long as it's real. But you can use a fake card, or a stolen one.
Taken to the next logical conclusion: You can't fake a credit card with a real credit card.
I have not been able to use loyalty cards that way. I've tried several times. But I've got to do it separately. I haven't yet tries iOS 9 on my phone, but a feature Apple mentions with Wallet is that it can be done now.
The loyalty card part must be the new part then. I've also switched many times between my default Citi card and my backup Chase card without unlocking the phone. (edit: oops, quoted the wrong post!)
There's been talk about how the iPod Touch didn't get ?Pay because it isn't "always connected", but I was looking on the Apple website and it shows that Passbook is pre-installed on the iPod. That makes it seem like skipping ?Pay really was just a choice by Apple and not because the iPod isn't always connected. Now, granted, my old iPod Touch can't even install Passbook so I don't know exactly how this works - is anyone else aware of some major difference between how membership cards and credit cards work in Passbook that one makes sense and the other doesn't?
Leaving ?Pay of the new iPod Touch was a bit of a head scratcher, especially since they updated it with the same chip as in the mini 4. The internet is not required to use ?Pay locally, but I'm not sure why they couldn't have added the secure element NFC chip, even if they didn't add the NFC antenna required for in store purchases, or Touch ID. The ?Watch obviously allows ?Pay to be used without Touch ID, by entering a simple Pin (and it isn't "always connected" either). So they certainly could have enabled that on the iPod Touch for using ?Pay with at least online transactions, just like the current iPads do (also not "always connected"). I can even see it coming to the next generation of Macs. It's also hard to imagine the iPod Touch will continue to be sold for much longer, and presuming this is the last model, this decision strands customers without the ability to use ?Pay on that device which will surely have a useful life of at least several more years. As you say, Passbook can be used, so why not make it more useful? From previous conversations on these forums, the most likely answer is that the iPod Touch is sold primarily to kids, who don't have credit cards, and must make purchases with their parent's permission, so it just wasn't worth even the presumably modest investment to include the NFC chip in it.
We look at Apple's search using Siri, for example, and we read that Apple's search can't equal that of Google's, because Apple doesn't link things together the way Google does. That's because of privacy. But do those using Google care? Not really.
I'd like Apple to provide an option for users to opt-in to more personalized Siri search results. I would opt in, but I respect the many people who would not.
Double tap works fine, but I am not sure I want my Starbuck's card to come up with a scan code with absolutely no fingerprint or access code needed to access my account. Seems like a security flaw to me.
Double tap works fine, but I am not sure I want my Starbuck's card to come up with a scan code with absolutely no fingerprint or access code needed to access my account. Seems like a security flaw to me.
It's not. Starbucks only uses Apple Pay within their iOS app to reload your card, which is the most secure method. The barcode popping up on your Lock Screen or Watch is set up as a Passbook pass with your favourite stores' locations set (I think up to 5). You can make it so your Passes aren't accessible without first authenticating on your iPhone and on your Watch it has to be on your wrist with your PIN having been inputted for it to work, as well as being pushed by your iPhone via BT when the iPhone's geolocation via A-GPS realizes where you are.
I think is great they have expanded Apple Wallet to support additional types of cards but it does not look like they expanded the total number of cards beyond 8, which was the limit in iOS 8 too, at least I can't add any additional cards. Given the number of loyalty and department store cards like kohl's and Penny's this limit of 8 cards is low.
Has anyone had success in adding more cards than 8?
I think is great they have expanded Apple Wallet to support additional types of cards but it does not look like they expanded the total number of cards beyond 8, which was the limit in iOS 8 too, at least I can't add any additional cards. Given the number of loyalty and department store cards like kohl's and Penny's this limit of 8 cards is low.
Has anyone had success in adding more cards than 8?
I haven't tried. I assume this is probably based on the size of the Secure Element. Perhaps the 6S-series will allow for more cards.
edit: You mean 8 including passbook passes, which is where I store my loyalty cards of which I'm certain are stored in regular NAND, or do you mean 8 credit, debit, ATM and department store cards that need authentication via their associated financial institution?
Too bad companies need to add support for it. Will never happen in Europe, so this will be another useless feature over here.
I would love to be able to add my own loyalty cards that automatically pop up based on my location. So trivial, but still doesn't exist.
Can't you do this already? In the UK I added my Tesco clubcard to passbook and when I'm near the store it pops up on my lock screen to which I then scan at the self-serve scanners to begin shopping. I've been doing this for well over a year on an iPhone 5.
Can't you do this already? In the UK I added my Tesco clubcard to passbook and when I'm near the store it pops up on my lock screen to which I then scan at the self-serve scanners to begin shopping. I've been doing this for well over a year on an iPhone 5.
and how did you add the card, including the location info?
using the tesco clubcard app, there was an "add to passbook" option that also saves whichever store I specified as my "favourite" to be the location.
I tried adding the card manually via the selfpass website and it doesn't store the location info but it does work for scanning - I've used this site for nectar, shell drivers club, and pets at home cards, all add and scan fine.
Comments
Edit: Speeling.
The new feature is being able to look at all of your cards and loyalty cards, and choose between them without unlocking your device, which can't be done with 8.4. You're talking about just using the default card to pay.
Yes it can, I've done it several times. (I'm not sure I've done it since 8.4 came out, but surely they haven't removed the ability?)
Hold the phone near the NFC reader, and it automatically wakes up and asks for fingerprint. At the bottom of the screen is my list of non-default cards. I choose one of them and then use Touch ID to complete the transaction on the non-default card. The phone remains locked.
Yes, as I said before, verified that you are who you say you are. You can't commit fraud with cash, as long as it's real. But you can use a fake card, or a stolen one.
I doubt you can attach one of those cards to Apple Pay, or any other mobile payment system. It wouldn't be a good idea, in my thinking.
I have not been able to use loyalty cards that way. I've tried several times. But I've got to do it separately. I haven't yet tries iOS 9 on my phone, but a feature Apple mentions with Wallet is that it can be done now.
Well, there has been a wave of counterfeit bills in my region recently, so the "as long as it's real" can indeed be an issue. Criminals and opportunists are everywhere, unfortunately.
Honestly, I'm not sure how or why a prepaid Visa (not store-specific gift cards, to avoid more pedantic comments like Soli left earlier) is more prone to fraud than a typical debit or credit card. There is probably some real, actuarial-based reasoning behind the scenes, but I'm not seeing it intuitively. You can use a fake credit or debit card as well, and in most cases I suspect have a much larger dollar amount available than on a prepaid.
I think that's right. I don't think it's possible now, though I do believe (and hope) it will come some day. As with so many things, as the markets get saturated, companies will reach deeper and broader into new areas to attract new customers.
Unless there's pretty overwhelming (and understandable) reasons why it's a bad idea, I look forward to some day having a slightly safer method than cash to pay for things without being behaviorally profiled 24/7.
Like it or not, most people don't care whether they're tracked, and most of those who do, pretend they aren't.
Generally, it doesn't matter unless you're doing something less than above board. Otherwise, why would you even care?
So glad you asked, because I don't like it. Is that your personal opinion or the results from solid research? Otherwise my personal opinion is: you're very wrong. If you happen to be correct, then my belief is people (including you, which surprises me) are exceedingly ignorant.
I happen to care because I don't want my purchasing, political, etc. decisions to be gamed by others or my rights slowly whittled away by fat cat corporations that have access to too much personal information. It has nothing to do with "below board" behavior.
Drivel, drivel, drivel. So little time and so much drivel to write.
Yes, as I said before, verified that you are who you say you are. You can't commit fraud with cash, as long as it's real. But you can use a fake card, or a stolen one.
Taken to the next logical conclusion: You can't fake a credit card with a real credit card.
I have not been able to use loyalty cards that way. I've tried several times. But I've got to do it separately. I haven't yet tries iOS 9 on my phone, but a feature Apple mentions with Wallet is that it can be done now.
The loyalty card part must be the new part then. I've also switched many times between my default Citi card and my backup Chase card without unlocking the phone. (edit: oops, quoted the wrong post!)
There's been talk about how the iPod Touch didn't get ?Pay because it isn't "always connected", but I was looking on the Apple website and it shows that Passbook is pre-installed on the iPod. That makes it seem like skipping ?Pay really was just a choice by Apple and not because the iPod isn't always connected. Now, granted, my old iPod Touch can't even install Passbook so I don't know exactly how this works - is anyone else aware of some major difference between how membership cards and credit cards work in Passbook that one makes sense and the other doesn't?
Leaving ?Pay of the new iPod Touch was a bit of a head scratcher, especially since they updated it with the same chip as in the mini 4. The internet is not required to use ?Pay locally, but I'm not sure why they couldn't have added the secure element NFC chip, even if they didn't add the NFC antenna required for in store purchases, or Touch ID. The ?Watch obviously allows ?Pay to be used without Touch ID, by entering a simple Pin (and it isn't "always connected" either). So they certainly could have enabled that on the iPod Touch for using ?Pay with at least online transactions, just like the current iPads do (also not "always connected"). I can even see it coming to the next generation of Macs. It's also hard to imagine the iPod Touch will continue to be sold for much longer, and presuming this is the last model, this decision strands customers without the ability to use ?Pay on that device which will surely have a useful life of at least several more years. As you say, Passbook can be used, so why not make it more useful? From previous conversations on these forums, the most likely answer is that the iPod Touch is sold primarily to kids, who don't have credit cards, and must make purchases with their parent's permission, so it just wasn't worth even the presumably modest investment to include the NFC chip in it.
It's not. Starbucks only uses Apple Pay within their iOS app to reload your card, which is the most secure method. The barcode popping up on your Lock Screen or Watch is set up as a Passbook pass with your favourite stores' locations set (I think up to 5). You can make it so your Passes aren't accessible without first authenticating on your iPhone and on your Watch it has to be on your wrist with your PIN having been inputted for it to work, as well as being pushed by your iPhone via BT when the iPhone's geolocation via A-GPS realizes where you are.
Has anyone had success in adding more cards than 8?
I haven't tried. I assume this is probably based on the size of the Secure Element. Perhaps the 6S-series will allow for more cards.
edit: You mean 8 including passbook passes, which is where I store my loyalty cards of which I'm certain are stored in regular NAND, or do you mean 8 credit, debit, ATM and department store cards that need authentication via their associated financial institution?
Too bad companies need to add support for it. Will never happen in Europe, so this will be another useless feature over here.
I would love to be able to add my own loyalty cards that automatically pop up based on my location. So trivial, but still doesn't exist.
Can't you do this already? In the UK I added my Tesco clubcard to passbook and when I'm near the store it pops up on my lock screen to which I then scan at the self-serve scanners to begin shopping. I've been doing this for well over a year on an iPhone 5.
Can't you do this already? In the UK I added my Tesco clubcard to passbook and when I'm near the store it pops up on my lock screen to which I then scan at the self-serve scanners to begin shopping. I've been doing this for well over a year on an iPhone 5.
and how did you add the card, including the location info?
using the tesco clubcard app, there was an "add to passbook" option that also saves whichever store I specified as my "favourite" to be the location.
I tried adding the card manually via the selfpass website and it doesn't store the location info but it does work for scanning - I've used this site for nectar, shell drivers club, and pets at home cards, all add and scan fine.