robertwalter

avon b7 said:

macbisho said:

avon b7 said:

StrangeDays said:

avon b7 said:

Apple is offering a service which has a cost to the bank that implements it. Some banks have chosen to pass the costs onto clients indirectly (Santander for example). Saying the system doesn't require an app seems strange as in this case iOS is the app. Some banks use a small sticker (which isn't very pretty but isn't a big issue if you use a case either) and doesn't need the phone even to be on.

OMG....what kind of screwed up mental gymnastics are you performing here? You're saying it's fair to say there's an "app" to launch, because iOS? That's absurd. There is no "app" because you don't need to launch a damn thing -- just wave the phone over the POST with your finger resting on Touch ID, and it's done. No need to unlock the phone or open a thing, thus there is no app, the argument is intellectually bankrupt.

But yeah, putting a fucking sticker on your phone is a much better solution. Cool story bro.

OMG! Which bit did you fail to understand?

It doesn't matter if there is an app or not! That was my point. Something is handling the process and it could be an app or the system itself. Again. Does it matter? I was replying to other comments and it wasn't even the main part of my post.

I don't use Wallet systems (with or without stickers) or Apple Pay or any other similar systems. I could use a whole bunch if I wanted but at the moment I'm passing because I really don't need anything more than a piece of plastic and a PIN code for transactions over 20€. No weight, no battery, just a piece of plastic. I never take my phone to the beach and if I pop down to the local supermarkets I don't need to either. Just a tiny piece of plastic. There are advantages to all the systems but each person will decide which one is better in each context.

Putting a sticker on your phone is a great solution if your phone doesn't support NFC or your card issuer doesn't support Apple Pay.

Like I said, the sticker solution isn't pretty but if it's that or carrying a physical card around when you don't want to, it isn't a big deal when the sticker itself is often invisible on the back of the phone and under a case.

"screwed up mental gymnastics"? In a word: 'Nope'.

My post was centered on the attitude of the banks. I'm no fan of the banks but I can see why some are reluctant to get onboard phone payment systems from companies that want in on the deal. That isn't so hard to understand and let's be honest, Apple didn't design this for its users. It designed it as a revenue stream. The problem is that it will only work if you can convince the card issuing banks. Something identical happened with music sales. You have to negotiate.

It's all normal business.

Dear sir/madman,

that fucking dumb ass sticker on your phone/in your pass etc. secures your money as well as a sieve holds water. 

You have totally missed the point of ApplePay if you can't wrap your head around that. 

I had one of those shitty bank cases, and then a sticker. If you lose or have your phone stolen you have no security on it. With ApplePay they need your fingerprint to pay for things still. Oh and as a bonus, if you lose your actual card the bank can instantly issue a new one to your phone via ApplePay. 

As as an aside, doing groceries today - $140 - no pin required from Woolworths. 

So we go from OMG to Madman.

I wonder if you can wrap your head around this: If you don't have an iPhone: No Apple Pay. If you do not have NFC: No wallet payments. If your card issuer doesn't support Apple Pay: No go.

As I said, the sticker solution is not elegant but it is a solution.

As for security. Don't compare Apple Pay security to any other system if Apple Pay isn't available to you - for whatever the reason. Even if you have the latest iPhone, you are dead in the water if your bank doesn't support it. That, without getting into contactless availability on the POS terminal itself. Also, sticker security is exactly the same as card security.

And as I said to the previous poster, my post was centered on the attitude nof the banks.

I (and my wife) get notified of all transactions. We can suspend our cards or cancel them at will (by phone/tablet app, internet or via a call to the bank) If we wanted to we could leave them deactivated until whenever we used them. Sieves? Well no. Not even with stickers.

I sincerely hope you can get your head around all this.

Crazyoldranga said:

Tap and go with my card works well enough for me. Quicker and easier than pulling a phone out and starting the app etc, etc.

ericthehalfbee said:

saltyzip said:

MnMark said:

A secure version of Android. That's funny!

Now if only appleinsider educated people, rather than playing a game of protectionism, we wouldn't get comments like this.

Read this to educate ones self:
http://www.zdnet.com/google-amp/article/the-worlds-most-secure-smartphones-and-why-theyre-all-androids/

We are educated. Which is why we know Android is a joke for security. You linking an article without context doesn't change that.

First off, those aren't "Android phones" that a normal person might buy, like an LG or Samsung. They run highly modified versions of Android but are stripped of much of what normal users associate with Android or any smartphone. They then install their own custom software to replicate functionality that we get from "stock" Apps. They are completely and 100% locked down. The only reason they use Android is because it's a free OS with the source code provided for you to allow you to customize it how you like.

Calling these phones Android phones would be like calling the Presidents limo a "Chevy" just because the base platform happens to be a Cadillac.

Android that the general public gets with the phones they buy are a joke compared to iOS, and will never match the security of iOS.