Apple Pay to be available at Walt Disney World by end of the year

[lazyboy97o]

do business have to be specifically set up to work with apple pay or will the current readers/backend work if they are setup for NFC payments.

I'm trying to get the fine details on that part now but from what I've read so far the businesses that support it will need to update their payment software to handle the one-time payment authorization number they'd get from the phone or watch vs the credit card number data they used to get. I imagine it's been well documented by Apple for merchants that want to support it but they haven't released those details widely yet. If the merchants already have the necessary hardware deployed it should just be a software update (and training) exercise to deploy it.

Based on the statements made during the presentation it should just work with existing systems.

 

[dumboflyer]

The point really is that other companies have thrown in NFC chips in phones to make it look good on a Spec sheet, but they did not do the difficult part - thrashing out the deals with banks and merchants to actually make it work in the real world. Apple on the other hand have done just that.

This is the basis for frustration for many of us. My phone (Nexus 5 w/Google Wallet) has had this tech since it came out last fall. My last phone (Galaxy Nexus) also had it. I've been paying with Google Wallet at Walgreens since the beginning of the year. But for whatever reason, few other vendors seem to have adopted this medium. It's terribly frustrating that the company with a majority of the smartphone OS market domestically (and a huge majority globally) doesn't or can't make this happen, and that we have to sit and wait for Cupertino to come along before the retail business world seems to care.

This, combined with Apple's terrible habit of claiming innovation/reinnovation/revolution/[insert buzz word here] for many other features that other phones had for years before is certain to create some resentment.

 

[Voxel]

This is the basis for frustration for many of us. My phone (Nexus 5 w/Google Wallet) has had this tech since it came out last fall. My last phone (Galaxy Nexus) also had it. I've been paying with Google Wallet at Walgreens since the beginning of the year. But for whatever reason, few other vendors seem to have adopted this medium. It's terribly frustrating that the company with a majority of the smartphone OS market domestically (and a huge majority globally) doesn't or can't make this happen, and that we have to sit and wait for Cupertino to come along before the retail business world seems to care.

This, combined with Apple's terrible habit of claiming innovation/reinnovation/revolution/[insert buzz word here] for many other features that other phones had for years before is certain to create some resentment.

Ultimately the biggest issue with Android, They create wonderful technology and software but the fragmentation with companies using it creates a massive gap in how that technology is use in the real world. NFC is big example of it. Early Samsung phones could transmit information through NFC but only to other Samsung's not HTC or Moto. I would blame google on not getting NFC out there. Apple has and had a better interaction with businesses getting their tech out there. Best Buy is testing (And implementing) sales through iPhones, alone with jcp and a few other retailer. Android could easily do that, but no company goes after it. Instead they are waiting for retailers to come to them, which won't happen.

 

[donsullivan]

This is the basis for frustration for many of us. My phone (Nexus 5 w/Google Wallet) has had this tech since it came out last fall. My last phone (Galaxy Nexus) also had it. I've been paying with Google Wallet at Walgreens since the beginning of the year. But for whatever reason, few other vendors seem to have adopted this medium. It's terribly frustrating that the company with a majority of the smartphone OS market domestically (and a huge majority globally) doesn't or can't make this happen, and that we have to sit and wait for Cupertino to come along before the retail business world seems to care.

This, combined with Apple's terrible habit of claiming innovation/reinnovation/revolution/[insert buzz word here] for many other features that other phones had for years before is certain to create some resentment.

I think the difference here is that unlike most others who just focus on adding features to make the spec list longer, Apple tends to focus more on solutions using those features. They didn't just add an NFC chip like so many others do, they spent the time and money to create a payment service that makes that hardware feature actually add real value to the user.

 

[dumboflyer]

I think the difference here is that unlike most others who just focus on adding features to make the spec list longer, Apple tends to focus more on solutions using those features. They didn't just add an NFC chip like so many others do, they spent the time and money to create a payment service that makes that hardware feature actually add real value to the user.

Totally disagree that Samsung, HTC, LG, or any of the others adds features just to make a spec list longer. They add features but do a poor job of setting them up to succeed. Agree completely that Apple does a better job setting up many of its new features for success.

 

[donsullivan]

Totally disagree that Samsung, HTC, LG, or any of the others adds features just to make a spec list longer. They add features but do a poor job of setting them up to succeed. Agree completely that Apple does a better job setting up many of its new features for success.

I guess I have the philosophy that if you add a feature to a device but that feature adds no actual value to most of your customer community, that is the same thing as padding the spec list. You can always find some individuals who find great value from the feature (which is great) but in the case of NFC, that has not been the case to date. It has added almost no value at all to most of the people who have it in their phones.

I've been an iPhone user since 2007 but also just bought my second HTC (M8) Android phone about a month ago. Both of those Android phones have NFC hardware but it provides absolutely no functional value to me so I just disable it. To me, NFC on those phones has been a solution in search of a problem.

 

[Mr Toad]

I'm just gonna write a check...

 

[DisUniversal]

I'm just gonna write a check...

for a new iPhone?

 

[flynnibus]

The service being the key part here. Anyone can buy an NFC chipset and put it in a phone.

which leads to.. will Apple open the system to 3rd parties to promote adoption?

Apple's value in this is they are going to take a fee for every transaction (Helloooo Paypal) so they should be eager to push adoption and try to reach critical mass so they get sustainability.

 

[flynnibus]

One of the key things this has the potential to fix is things like the Target credit card number theft last holiday, or the Home Depot one announced yesterday. If this works they way they describe you would no longer have those problems since the merchants would never have your credit card data. All they see is a one-time payment ID that only works for the transaction you authorized and then expires so it's useless. That alone has the potential to be a game changer for security of our payment data.

Yeah, but that case is.. reinventing the wheel. The solution to the HD/Target situation already existed.. the US banks and CCs just didn't push to use it.

 

[lazyboy97o]

which leads to.. will Apple open the system to 3rd parties to promote adoption?

Apple's value in this is they are going to take a fee for every transaction (Helloooo Paypal) so they should be eager to push adoption and try to reach critical mass so they get sustainability.

Softcard says they are working with Apple to bring their system to the iPhone 6.

 

[donsullivan]

Yeah, but that case is.. reinventing the wheel. The solution to the HD/Target situation already existed.. the US banks and CCs just didn't push to use it.

The back end of this infrastructure is actually not Apple's, it's created and run by the credit card companies. It's just a tokenized authorization system being developed the much delayed Chip and Pin implementation. As a result, it could be available to other vendors who choose to invest in it.

What Apple brings to the table is the end user experience including software, security within the phone, the finger print identification, etc.. Apple also brings the market power to drive adoption by merchants that pretty much no other manufacturer has been willing/able to do.

It's important to understand that this isn't a 'market share' thing but a 'market power' thing. Apple is the only one so far willing to put money into developing a full blown service that uses the platform in a way that non technical consumers will be comfortable with. Many know that places like Walgreens have been doing this with Google Wallet for some time now. Unfortunately from the data I've read, the adoption and use is so small it's almost impossible to even measure.

 

[flynnibus]

Softcard says they are working with Apple to bring their system to the iPhone 6.

I was meaning more of bringing Apple Pay to Android

We already have several digital wallet solutions out there.. Google.. Paypal.. Bitcoin.. Square.. etc

It's interesting to see apple didn't simultaneously announce a POS solution.. which would allow businesses to ACCEPT Apple Pay... and take the problem on from both sides.

 

[flynnibus]

The back end of this infrastructure is actually not Apple's, it's created and run by the credit card companies. It's just a tokenized authorization system being developed the much delayed Chip and Pin implementation. As a result, it could be available to other vendors who choose to invest in it.

In how the transaction is auth'd.. sure... but Apple is inserting themselves as a broker in the relationship setup, and taking a cut of each transaction as their fee. Something that we didn't need if the Banks would just do it themselves... but have been draggin tail over.

What Apple brings to the table is the end user experience including software, security within the phone, the finger print identification, etc.. Apple also brings the market power to drive adoption by merchants that pretty much no other manufacturer has been willing/able to do.

3-5 years ago.. maybe.

How's that mobile me working out? Or displacing Google Maps? Or any countless attempts at social music and streaming? Their brand alone does not garuntee success.. and while they can stand on a soapbox and argue 'we don't want your private data' as a jab to others.. they certainly want to skim a percentage off of the global market... which is just as devious.

It's important to understand that this isn't a 'market share' thing but a 'market power' thing. Apple is the only one so far willing to put money into developing a full blown service that uses the platform in a way that non technical consumers will be comfortable with

No, many have tried.. they just don't have the media focus like Apple and the relationships.

 

[lazyboy97o]

I was meaning more of bringing Apple Pay to Android

We already have several digital wallet solutions out there.. Google.. Paypal.. Bitcoin.. Square.. etc

It's interesting to see apple didn't simultaneously announce a POS solution.. which would allow businesses to ACCEPT Apple Pay... and take the problem on from both sides.

Ah, that I do not see but you never know. They have not really noted it but the iCloud Drive description all specifically mention web and Windows access. Like NFC, iTunes for Android seems to be one of those constant rumors.

I've wondered if they would allow it to work between devices. Something like Square with Apple Pay.

 

[hokielutz]

But let's take a Devil's advocate standpoint with an Apple Watch.

This is the basis for frustration for many of us. My phone (Nexus 5 w/Google Wallet) has had this tech since it came out last fall. My last phone (Galaxy Nexus) also had it. I've been paying with Google Wallet at Walgreens since the beginning of the year. But for whatever reason, few other vendors seem to have adopted this medium. It's terribly frustrating that the company with a majority of the smartphone OS market domestically (and a huge majority globally) doesn't or can't make this happen, and that we have to sit and wait for Cupertino to come along before the retail business world seems to care.

This, combined with Apple's terrible habit of claiming innovation/reinnovation/revolution/[insert buzz word here] for many other features that other phones had for years before is certain to create some resentment.

And therein lies the problem of an operating system company not having control of the hardware that its software is run on.

 

[donsullivan]

I was meaning more of bringing Apple Pay to Android

We already have several digital wallet solutions out there.. Google.. Paypal.. Bitcoin.. Square.. etc

It's interesting to see apple didn't simultaneously announce a POS solution.. which would allow businesses to ACCEPT Apple Pay... and take the problem on from both sides.

I don't think you are going to see ApplePay on Android because too much of what makes it up is actually within the hardware and software on the phone/watch. It's about the way they are encrypting the credit cards in custom silicon and storing that data on the phone and the fingerprint sensor they have as part of the authorization mechanism. All of that is what they did to get the payment card industry to buy off on supporting their solution.

That's not something they are likely to license to anyone else as they would consider it a competitive advantage. That doesn't preclude another vendor from developing something similar if they can get the credit card companies to sign off on it. The back end will be shared by multiple services.

I don't see Apple getting into the POS business, it's not what they do. They are just providing an API in the OS that allows someone who develops a POS to support ApplePay.

 

[LuvtheGoof]

The only problem I have is, credit/debit cards are easier than cash, and now easier than ever since every single store is equipped, but paying with a device isn't really any easier than that. But I guess having another alternative way to pay is never bad.

The big difference is that if I steal your credit card, I can use it for on-line purchases and even store purchases if I know that the cashier won't ask for ID. If I use my iPhone, I have to use my fingerprint to authorize the transaction, which is something you don't have if you steal my phone. A huge security difference.

 

[LuvtheGoof]

This is the basis for frustration for many of us. My phone (Nexus 5 w/Google Wallet) has had this tech since it came out last fall. My last phone (Galaxy Nexus) also had it. I've been paying with Google Wallet at Walgreens since the beginning of the year. But for whatever reason, few other vendors seem to have adopted this medium. It's terribly frustrating that the company with a majority of the smartphone OS market domestically (and a huge majority globally) doesn't or can't make this happen, and that we have to sit and wait for Cupertino to come along before the retail business world seems to care.

This, combined with Apple's terrible habit of claiming innovation/reinnovation/revolution/[insert buzz word here] for many other features that other phones had for years before is certain to create some resentment.

It gets so tiring sometimes. APPLE NEVER CLAIMS THIS!!!! Only the stupid rabid internet people claim it, which is stupid because they are wrong. Apple never claimed to invent NFC. Never claimed to invent tap and play systems. Their ONLY claim is that they are trying to make it easier and more secure, which is exactly what they have done.

 

[PrincessNelly_NJ]

I guess I have the philosophy that if you add a feature to a device but that feature adds no actual value to most of your customer community, that is the same thing as padding the spec list. You can always find some individuals who find great value from the feature (which is great) but in the case of NFC, that has not been the case to date. It has added almost no value at all to most of the people who have it in their phones.

I've been an iPhone user since 2007 but also just bought my second HTC (M8) Android phone about a month ago. Both of those Android phones have NFC hardware but it provides absolutely no functional value to me so I just disable it. To me, NFC on those phones has been a solution in search of a problem.

That has to depend on many things. When I had my Galaxy, I used NFC among friends all the time. But when I switched to the Moto X, I use it for tap to pay all the time.
I guess I'm lucky to live where I do because most places I frequent already had paypass machines. But Apple finally getting in the game will add to the number of vendors and improve the feature even more for all phones.