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Will we get a version of Apple Pay?

  • 13-09-2014 1:59pm
    #1
    Moderators, Motoring & Transport Moderators, Music Moderators Posts: 12,781 Mod ✭✭✭✭


    So ApplePay will pretty much come in and revolutionise the payment market - which is great if you have an iPhone. I'm wondering if there will be an equivalent version for Android? Will Android manufacturers have to add fingerprint readers like the iPhone (can they or is that patented?) - or how can they do it securely? Hopefully in a few years most stores will have these terminals where we can securely pay with our phones and chose the car etc.

    So is anything like this in the pipeline or are Apple going to be miles ahead?


Comments

  • Registered Users, Registered Users 2 Posts: 703 ✭✭✭rowanh


    I actually dont know anything about the apple thing, is this the kind of thing you are looking for?

    http://www.mastercard.us/google-wallet.html


  • Registered Users, Registered Users 2 Posts: 911 ✭✭✭Irlandczyk


    Zascar wrote: »
    So ApplePay will pretty much come in and revolutionise the payment market - which is great if you have an iPhone. I'm wondering if there will be an equivalent version for Android? Will Android manufacturers have to add fingerprint readers like the iPhone (can they or is that patented?) - or how can they do it securely? Hopefully in a few years most stores will have these terminals where we can securely pay with our phones and chose the car etc.

    So is anything like this in the pipeline or are Apple going to be miles ahead?

    I was under the impression that Google Wallet was the Android version of Apple pay, no?


  • Banned (with Prison Access) Posts: 5,575 ✭✭✭AlanS181824


    Google first cane out with Google Wallet in 2010 I believe it just never took off.

    Of course with everything Apple does people will say Apple invented this and it'll revolutionise payments as we know it(!)

    Screw you crApple! :pac:


  • Moderators, Motoring & Transport Moderators, Music Moderators Posts: 12,781 Mod ✭✭✭✭Zascar


    Yeah I have heard of Google wallet, but barely anything so it was clearly not successful. Apple however have the ability to really make it work. What I'm wondering is if the terminals will support Google Wallet and Apple pay? Can we benefit from Apples ability to push a new technology out? Are PayPal not working on something similar?


  • Moderators, Motoring & Transport Moderators, Music Moderators Posts: 12,781 Mod ✭✭✭✭Zascar


    rowanh wrote: »
    I actually dont know anything about the apple thing, is this the kind of thing you are looking for?

    http://www.mastercard.us/google-wallet.html

    Does that only work with Mastercard, what about Vis and Amex etc?


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  • Registered Users, Registered Users 2 Posts: 5,547 ✭✭✭droidman123


    I assume this will mean Ireland and the rest of Europe too

    http://www.independent.co.uk/life-style/gadgets-and-tech/apple-pay-wont-come-to-uk-until-2015-although-the-iphone-6-will-be-here-sooner-9729972.html


    Not that it will affect me,I have never owned an apple product.....and never will


  • Banned (with Prison Access) Posts: 5,575 ✭✭✭AlanS181824


    McDonalds, Topaz, Aldi etc all currently accept Visa and MasterCard contactless, I'm guessing that Apple will just bring this technology out to more people.

    I doubt they'll restrict it to just Apple devices then again this is Apple.


  • Registered Users, Registered Users 2 Posts: 8,261 ✭✭✭Sonics2k


    I have Google Wallet set up and used it a fair bit in the past, its handy enough but nothing astounding.

    I imagine Apple Pay will see a huge surge at first and then drift over a fee months.


  • Registered Users, Registered Users 2 Posts: 18,319 ✭✭✭✭Mantis Toboggan


    Zascar wrote: »
    So ApplePay will pretty much come in and revolutionise the payment market - which is great if you have an iPhone.

    Remember, this will only work with the iPhone 6 and 6 plus.
    So to change your sentence, "apple could possibly come in and revolutionize the payment market - which is great is great if your prepared to buy an iPhone 6 or 6 plus.

    Personally I don't think applepay will ever be the norm here in Ireland.

    Free Palestine 🇵🇸



  • Registered Users, Registered Users 2 Posts: 5,547 ✭✭✭droidman123


    Zascar wrote: »
    So ApplePay will pretty much come in and revolutionise the payment market - which is great if you have an iPhone. I'm wondering if there will be an equivalent version for Android? Will Android manufacturers have to add fingerprint readers like the iPhone (can they or is that patented?) - or how can they do it securely? Hopefully in a few years most stores will have these terminals where we can securely pay with our phones and chose the car etc.

    So is anything like this in the pipeline or are Apple going to be miles ahead?

    they wont be revolutionising anything, its not a new invention or concept,even though crapple are under the impression they invented the world


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  • Registered Users, Registered Users 2 Posts: 13,763 ✭✭✭✭Inquitus


    Apple pay is essentially Google Wallet for iPhone, something we have had for years, both rely on the same technology and need retailers to adopt that technology, it not revolutionary and it's interchangeable with the longstanding android version.
    There's a lot of confusion in general regarding how NFC and NFC payments work and how Apple Pay compares to Google Wallet. Well, there's virtually no difference. Here's a summary of what they both do.

    The both use NFC for mobile transaction.
    They both use a secure element.
    Google Wallet can work without a secure element, using Host Card Emulation.
    They both have an authentication interface (PIN, or fingerprint, or voice, or other biometric sensory input in the future).
    They both accept all the major banking, financial and credit card institutions in the USA. (Not sure if Apple Pay accepts Discover Card)
    They both follow established mobile payment standards.
    Google Wallet will work where Apple Pay is accepted.
    Apple Pay will work where Google Wallet is accepted.
    You can use either at any PayPass terminal. Looks for the PayPass NFC logo to use mobile payments.
    They're both VERY SECURE.
    Hopefully, this helps with some of the confusion.

    http://www.theverge.com/2014/9/10/6130343/the-difference-between-google-wallet-and-apple-pay


  • Moderators, Motoring & Transport Moderators, Music Moderators Posts: 12,781 Mod ✭✭✭✭Zascar


    Sonics2k wrote: »
    I have Google Wallet set up and used it a fair bit in the past, its handy enough but nothing astounding.

    I imagine Apple Pay will see a huge surge at first and then drift over a fee months.

    I did not know you could use it in Ireland!

    I have a Visa contactless card but I thought it was only for transactions of €15 or less. How does Google Wallet work?


  • Registered Users, Registered Users 2 Posts: 8,261 ✭✭✭Sonics2k


    Zascar wrote: »
    I did not know you could use it in Ireland!

    I have a Visa contactless card but I thought it was only for transactions of €15 or less. How does Google Wallet work?

    Technically its not set up here, but I used to us a US VPN all the time and was able to set it up and it was never cancelled.


  • Registered Users, Registered Users 2 Posts: 18,272 ✭✭✭✭Atomic Pineapple


    There's nothing new or revolutionary about Apple Pay at all, since it's based off NFC if and that's a big if it becomes popular then Google wallet won't be long offering the same services.

    The problem is that retailers need to get on board with this technology and fast but in a tight economic situation they will be hesitant. Just like with contactless payments here only a few major companies will roll it out making it pretty much pointless in day to day transactions.


  • Moderators, Motoring & Transport Moderators, Music Moderators Posts: 12,781 Mod ✭✭✭✭Zascar


    It's going to be revolutionary because they will do what no one else has been able to do. Make it work.

    I'm a total Apple hater, but I'll give credit where it's due and they'll be able to bring contactless payments to the masses. Look at all the big players they have on board.

    Oh and iirc it works with the iPhone 5, not just 6 - thats a big market.


  • Closed Accounts Posts: 4,029 ✭✭✭shedweller


    Slightly off topic but: how does all this work if you drop your phone, it breaks and you have a loaner brick from the shop while it is being repaired.
    What if your battery dies while you are out and you have no cash or card because you rely on this system?
    What if your phone gets robbed(ok, fingerprints)or hacked?
    Im kind of talking about when this all becomes completely widespread and normal but also in the next year or so too.


  • Closed Accounts Posts: 4,029 ✭✭✭shedweller


    .

    The problem is that retailers need to get on board with this technology and fast but in a tight economic situation they will be hesitant. Just like with contactless payments here only a few major companies will roll it out making it pretty much pointless in day to day transactions.

    Theres an interesting point. Outside Dublin quite a few shops have abandoned chip and pin because it cost THEM too much!! Combined with a drop in atm services means its becoming a hassle to spend money in any form! Who knew that would become a problem eh? I cant see this new system being any different although i'm happy to be proved otherwise.


  • Registered Users, Registered Users 2 Posts: 18,319 ✭✭✭✭Mantis Toboggan


    Zascar wrote: »

    Oh and iirc it works with the iPhone 5, not just 6 - thats a big market.

    How will it work with the iPhone 5 when it doesn't have an NFC chip?

    Free Palestine 🇵🇸



  • Registered Users, Registered Users 2 Posts: 2,084 ✭✭✭ukoda


    they wont be revolutionising anything, its not a new invention or concept,even though crapple are under the impression they invented the world

    they haven't claimed to have invented it, in fact Tim Cook said that others have tried this for years (and failed)

    all Apple said was that they can make it simpler and therefore more popular, which i believe they will


  • Registered Users, Registered Users 2 Posts: 2,084 ✭✭✭ukoda



    The problem is that retailers need to get on board with this technology and fast but in a tight economic situation they will be hesitant. Just like with contactless payments here only a few major companies will roll it out making it pretty much pointless in day to day transactions.

    well ApplePay IS contactless payments, theres nothing new to role out - its the same terminal in the shop (just software/fireware in the background needs updating)

    And I see Contactless payments everywhere now! Tesco, McDonalds, Aldi/Lidl, Topaz, Mace, Spar etc etc

    Plus ALL Irish Banks have implemented it on their cards - AIB, BOI, Ulster Bank, KBC (PTSB are dragging heals but have officially said its coming soon)


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  • Registered Users, Registered Users 2 Posts: 2,832 ✭✭✭BionicRasher


    Sonics2k wrote: »
    I have Google Wallet set up and used it a fair bit in the past, its handy enough but nothing astounding.

    I imagine Apple Pay will see a huge surge at first and then drift over a fee months.

    So will Google Wallet work here at the moment on a terminal in say McDonald's?


  • Registered Users, Registered Users 2 Posts: 2,084 ✭✭✭ukoda


    So will Google Wallet work here at the moment on a terminal in say McDonald's?

    as far as i know, Google Wallet doesn't work in Ireland

    EDIT: Google Wallet only works in the US


  • Registered Users, Registered Users 2 Posts: 5,547 ✭✭✭droidman123


    ukoda wrote: »
    they haven't claimed to have invented it, in fact Tim Cook said that others have tried this for years (and failed)

    all Apple said was that they can make it simpler and therefore more popular, which i believe they will

    Well tbf,I never said apple claimed they invented it.someone posted that it would revolutionize the payment market.my point was before the "all hail apple" brigade get here, it is not a new concept or invention.


  • Registered Users, Registered Users 2 Posts: 2,084 ✭✭✭ukoda


    Well tbf,I never said apple claimed they invented it.someone posted that it would revolutionize the payment market.my point was before the "all hail apple" brigade get here, it is not a new concept or invention.

    You're right in that it's not new, but it will create a revolution in the payments industry, apple have a knack for that, the way they revolutionised music with the iPod (wasn't new tech) or the way the revolutionise smart phones with touch screens (wasn't new tech either)


  • Registered Users, Registered Users 2 Posts: 18,272 ✭✭✭✭Atomic Pineapple


    ukoda wrote: »
    well ApplePay IS contactless payments, theres nothing new to role out - its the same terminal in the shop (just software/fireware in the background needs updating)

    And I see Contactless payments everywhere now! Tesco, McDonalds, Aldi/Lidl, Topaz, Mace, Spar etc etc

    Plus ALL Irish Banks have implemented it on their cards - AIB, BOI, Ulster Bank, KBC (PTSB are dragging heals but have officially said its coming soon)

    You've just highlighted the points I was making ;)

    It's nothing new and its in a few big chains.

    Unless Apple can find a way to make it cost effective for everywhere to implement it then I don't see anything changing from today too drastically. I hope they do because it would be excellent and eventually we'll get there but it will take a LONG time!

    I mean fair enough if I can get a big mac from Mcdonalds or pay for a tank of fuel in Topaz but if I still need my physical card to pay for a meal in a local restaurant or buying some essentials in the local small shop/newsagents then it kind of becomes redundant because I need my physical card on me all the time anyway.


  • Registered Users, Registered Users 2 Posts: 2,084 ✭✭✭ukoda



    Unless Apple can find a way to make it cost effective for everywhere to implement it then I don't see anything changing from today too drastically. I hope they do because it would be excellent and eventually we'll get there but it will take a LONG time!

    Apple don't need to do this part, the card companies are already moving to make contactless terminals mandatory,

    MasterCard have said any terminal installed after 2015 has to have contactless and by 2020 they will refuse their cards at any terminal that's not contactless (NFC) enabled, Visa have a similar policy, so the shops will have no choice and I see most of them just biting the bullet fairly quickly and updating to NFC

    So if the terminal is NFC enabled... Then it will work with Apple Pay easily


  • Registered Users, Registered Users 2 Posts: 18,272 ✭✭✭✭Atomic Pineapple


    So 6 years before someone can be certain they can dump their physical card and use ApplePay? To me that is a long time for something like this.


  • Registered Users, Registered Users 2 Posts: 2,084 ✭✭✭ukoda


    So 6 years before someone can be certain they can dump their physical card and use ApplePay? To me that is a long time for something like this.

    Ah come on now, don't over dramatise it. That's just simply the cut off date for everyone having to support NFC, like I said it's likely that everyone will be on board way before then, as I've already stated all the banks are already there (not waiting 6 years) and a huge amount of retailers moving to NFC (not waiting 6 years) give it a few years and it'll be widespread

    The point I'm making is that that's the way the industry is moving, most will move quickly by choice and if there are any stragglers then the card companies will eventually not support them.

    No one is silly enough to think it'll actually take 6 years when it's already becoming so popular in Europe


  • Moderators, Motoring & Transport Moderators, Music Moderators Posts: 12,781 Mod ✭✭✭✭Zascar


    How does Google Wallet work compared to ApplePay? Do you beep it and then put in a password etc?
    Do any of these things take into account that the very odd time you might need touse someone else's card?


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  • Registered Users, Registered Users 2 Posts: 2,699 ✭✭✭advertsfox


    Zascar wrote: »
    How does Google Wallet work compared to ApplePay? Do you beep it and then put in a password etc?
    Do any of these things take into account that the very odd time you might need touse someone else's card?
    To use your Google Wallet Card in stores, choose either credit or debit at checkout and type in your Google Wallet pin (if asked). The card is accepted at many MasterCard locations, and you're able to spend up to a limit of $5,000 every 24 hours. This limit does not include cash withdrawals from ATMs or banks.
    There is essentially zero difference between Apple Pay and Google Wallet. Both store card information, prompt for PIN, pay over NFC - that's it.

    Google Wallet is only in the US, it's used a bit AFAIK but until NFC comes mainstream across ALL phones (not just high end models) it won't be everywhere for at year 1-2 years I imagine. I actually used my Nexus S in New York 2 years ago (yes, 2 years - not so new this process) with my free $25 credit and it worked quite easy and fast.

    Gwallet.jpg


  • Registered Users, Registered Users 2 Posts: 1,541 ✭✭✭Dudda


    ukoda wrote: »
    Plus ALL Irish Banks have implemented it on their cards - AIB, BOI, Ulster Bank, KBC (PTSB are dragging heals but have officially said its coming soon)

    Just to clarify Ulster Bank are one of the major banks that haven't implemented contactless payments yet in Ireland. They have recently introduced it in Northern Ireland but not yet here and don't have a timeline although I'm sure they will eventually.


  • Registered Users, Registered Users 2 Posts: 2,084 ✭✭✭ukoda


    Dudda wrote: »
    Just to clarify Ulster Bank are one of the major banks that haven't implemented contactless payments yet in Ireland. They have recently introduced it in Northern Ireland but not yet here and don't have a timeline although I'm sure they will eventually.

    Ah yes my apologies thats correct, they were first to introduce the Visa Debit card and first to test Contactless in Ireland - but they still haven't rolled it out fully!! soon i hope tho


  • Registered Users, Registered Users 2 Posts: 9,208 ✭✭✭keithclancy


    AFAIK the NFC Tech is used it lots of things.

    The Dutch, Public Transport Card
    The Leap Card
    Oyster card
    The newer style chip passports.

    If you have NFC on your Android Device you can grab this app and see what cards in your wallet (and your Passport) are compatible :)

    https://play.google.com/store/apps/details?id=com.nxp.taginfolite&hl=en


  • Registered Users, Registered Users 2 Posts: 18,272 ✭✭✭✭Atomic Pineapple


    ukoda wrote: »
    Ah come on now, don't over dramatise it. That's just simply the cut off date for everyone having to support NFC, like I said it's likely that everyone will be on board way before then, as I've already stated all the banks are already there (not waiting 6 years) and a huge amount of retailers moving to NFC (not waiting 6 years) give it a few years and it'll be widespread

    The point I'm making is that that's the way the industry is moving, most will move quickly by choice and if there are any stragglers then the card companies will eventually not support them.

    No one is silly enough to think it'll actually take 6 years when it's already becoming so popular in Europe

    That's true but this is Ireland where only a few years ago I went into a local shop and they didn't even have a cash register so it kinda tends to make you pessimistic :D


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