Thread: Apple Pay Live Today

Originally Posted by DJ Mr. White

Actually, from what I heard listening to NPR, the reason the Apple move is happening now is that most companies that issue cards in the US are making the move to a chip/pin based system like in the UK and Hong Kong. It's why a lot of people are calling it the perfect storm along with the increased desire for privacy.

Security isn't sexy. Being sleek and uh...optimized is sexy.

All part of the race. Apple knows that as soon as people adopt something new, they are done for a while. They needed to launch before a change was made. I think the Android version (done by a different company) is supposed to come out later this year, or early next year. That's when I think things will get interesting. Different banks and different retailers backing different pay systems. If this really takes off, it could very well be a matter of not if you have a pay system for your phone, but how many, for which cards, at which retailers.

Originally Posted by Guyver

Yeah, because a receipt and signature are soooo cumbersome. Less at stake??..lol. Apple has access to every transaction, if they say they don't they're full of shit. A thinner wallet? What are you carrying...a boat for a wallet?

A year or two from now, when all that info is stolen, people will be saying "How could we let this happen?"

Well, dumbshit, you set yourself up for it.

People are too damn lazy about this stuff.

Wow, this is gonna seem crazy but now I think I met you once before.

I was behind you in the express-lane at the supermarket. You had 3 items.

... and 4 coupons, one of which was expired but you argued with the girl about what "3 business days" really means before graciously letting her off the hook for the extra 25-cents.

You wanted to pay with a check, but you hadn't actually decided that until after she said that your total was $6.32.

Me and the 3 other people behind me watched you ask her who to make the check to, and then write that, and then ask her the date, and then write that, and then think for a minute about what to write in the "memo" field, and then skip that because you couldn't think of anything.

Then me and the 5 other people behind me watched you write $26.32 and then spell out twenty six dollars and thirty two one hundreths of one dollar because you just then decided you wanted $20 in cash.

Then me and the 6 other people behind me started to get a little impatient when she said she couldn't give you cash back on a check, but she could do it on a debit card.

Me and the 6 people behind me watched the 7th not join our line but (wisely) get in the next line behind the mother with 2 full carts and 3 screaming kids while you wrote VOID on your check before putting it away and getting out your wallet. You eventually found your debit card between your AAA card and your AARP card ("it shouldn't be there, I usually keep these things alphabetized", you said) and swiped it the wrong way twice before getting The Beep Of Success.

Me and the now 4 other people left behind me were pretty seriously concerned that there'd be some sort of argument about whether signing the LCD screen meant you didn't need to key in your PIN too, but instead you told her she was cute as a button and asked if she played field hockey like your granddaughter.

She said, "No, but I study osteo-therapy and if you don't stop sitting on that thick-ass wallet you're going to need a hip replacement inside 5 years."

Originally Posted by Guyver

What's next?

"Paying for stuff with my Iphone is too tedious, can't I just blink my eyes and pay?"

Secure transfer of funds by thinking of a number and winking at the waitress? How is that not the Holy Grail?


Æ

Originally Posted by Guyver

I do have a debit card, and have never had an issue.


Would you trust Apple with all that financial information? I wouldn't.

Many.....MANY have had issues. From the Target breach to pay at the pump card readers, the magnetic stripe's days are about done. Things will be changing very soon. To what is the beig question.

I don't want anyone to have my info, but Visa knows more about me than my Mother does. So does Wells Fargo. They know where and when I buy gas, and what I had for lunch. If the info has to pass through Apple's hands, or any other third party, to keep it out of Russia (along with my former debit card), so be it. All I want is security and the convienience I already have with a card. My bank is on board with the Apple Pay, and since they were the ones who discovered the theft of my info and didn't hold me responsible for a dime of the damage done, I trust them. Why not if they are backing the transactions the same as they would with a magnetic card?

Originally Posted by AetheLove

Wow, this is gonna seem crazy but now I think I met you once before.

I was behind you in the express-lane at the supermarket. You had 3 items.

... and 4 coupons, one of which was expired but you argued with the girl about what "3 business days" really means before graciously letting her off the hook for the extra 25-cents.

You wanted to pay with a check, but you hadn't actually decided that until after she said that your total was $6.32.

Me and the 3 other people behind me watched you ask her who to make the check to, and then write that, and then ask her the date, and then write that, and then think for a minute about what to write in the "memo" field, and then skip that because you couldn't think of anything.

Then me and the 5 other people behind me watched you write $26.32 and then spell out twenty six dollars and thirty two one hundreths of one dollar because you just then decided you wanted $20 in cash.

Then me and the 6 other people behind me started to get a little impatient when she said she couldn't give you cash back on a check, but she could do it on a debit card.

Me and the 6 people behind me watched the 7th not join our line but (wisely) get in the next line behind the mother with 2 full carts and 3 screaming kids while you wrote VOID on your check before putting it away and getting out your wallet. You eventually found your debit card between your AAA card and your AARP card ("it shouldn't be there, I usually keep these things alphabetized", you said) and swiped it the wrong way twice before getting The Beep Of Success.

Me and the now 4 other people left behind me were pretty seriously concerned that there'd be some sort of argument about whether signing the LCD screen meant you didn't need to key in your PIN too, but instead you told her she was cute as a button and asked if she played field hockey like your granddaughter.

She said, "No, but I study osteo-therapy and if you don't stop sitting on that thick-ass wallet you're going to need a hip replacement inside 5 years."




Secure transfer of funds by thinking of a number and winking at the waitress? How is that not the Holy Grail?


Æ

That's a quite a long story, but I haven't written a check in quite a while. The last time I wrote a check, all went smoothly. So, no...you weren't behind me. Don't you feel a bit jilted when you write out these long quips and they're not true, funny, or relevant?

The point is, no system is perfect. These people who are raving about this now, are same people who are going to be calling for Apple's public execution, if and when it ever crashes.

I would have thought that jilted feeling would've happened many times by now.

Everything can have upsides. Hell, everyone thought that Hindenburg was going to be the preferred mode of travel for decades. Then, it blew up.

Originally Posted by Guyver

I would have thought that jilted feeling would've happened many times by now.

Not everyone runs at your pace.

Originally Posted by Guyver

Everything can have upsides. Hell, everyone thought that Hindenburg was going to be the preferred mode of travel for decades. Then, it blew up.

Like cards with magnetic strips.

Originally Posted by RhysJD3

Nothing wrong with magnetic stripe. Problem is the lack of verification of identity. In Europe, you need the card number and need to know the pin same as a debit card.

Change the pin on a regular basis and there's your security. I really don't understand why the US is so behind on this simple thing.

...but changing the PIN is SO damn tedious!!!

:TT:

/sarcasm