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Apple To Open Payment Chip To Third Parties and Charge Fees (financialpost.com) 37
Apple will begin letting third parties use the iPhone's payment chip to handle transactions, a move that allows banks and other services to compete with the Apple Pay platform. From a report: The move, announced Wednesday, follows years of pressure from regulators, including those in the European Union. Apple said it will allow developers to use the component starting in iOS 18.1, an upcoming software update for the iPhone. The payment chip relies on a technology called NFC, or near-field communication, to share information when the phone is near another device.
The change will allow outside providers to use the NFC chip for in-store payments, transit system fares, work badges, home and hotel keys, and reward cards. Support for government identification cards will come later, the company said. Users will also be able to set a third-party payment app as their default system, replacing Apple Pay. Apple had been reluctant to open up the chip to developers, citing security concerns. The change also threatens the revenue it generates from Apple Pay transactions. The company takes a cut of all payments made via the iPhone.
The change will allow outside providers to use the NFC chip for in-store payments, transit system fares, work badges, home and hotel keys, and reward cards. Support for government identification cards will come later, the company said. Users will also be able to set a third-party payment app as their default system, replacing Apple Pay. Apple had been reluctant to open up the chip to developers, citing security concerns. The change also threatens the revenue it generates from Apple Pay transactions. The company takes a cut of all payments made via the iPhone.
NFC is not just for payments. (Score:3)
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What they are saying is that they want to be done for antitrust some more.
This is exactly the same kind of thing that Microsoft did that saw them forced to open kernel access to Clownstroke.
Antitrust is Apple's whole business model now.
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Google doesn't stop anyone from making a payment system that directly competes with Google Pay and distributing it on their Play Store.
Apple does.
My old bank offered contactless payments on my old Android through their internet banking app phone before Google did
Re: NFC is not just for payments. (Score:2)
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No. The company that makes the kitchens for McDonalds shouldn't refuse to make them for Burger King because McDonalds said so.
Maybe you should read up on anti-trust.
Re: NFC is not just for payments. (Score:1)
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Perhaps things would be different if the only place to buy food was either McDonalds or Burger King, and no one else can afford to get in to the food selling market.
Then it would be expected that McDonalds and Burger King open up their shops to third parties.
You seem to think that the answer to Apple not allowing developers to use the NFC API that Apple built for their own apps is for people to design, manufacture and sell their own phones running their own software stack.
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So go use Google.
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I don't get to choose the mobile platform my customer chooses.
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But you do get to choose your customers.
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You've just proven the point.
Apple are artificially restricting customers from other companies, as part of the mobile duopoly.
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So what? Too bad. Don't like it? Don't buy their shit. Don't deal with anyone who buys their shit.
Re: NFC is not just for payments. (Score:2)
Once again you are literally always wrong.
Antitrust does NOT require a monopoly position.
It is only one way to get within striking distance of antitrust.
Re: NFC is not just for payments. (Score:2)
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Financial Security. Theirs.
Re: NFC is not just for payments. (Score:2)
Re: NFC is not just for payments. (Score:2)
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Re: NFC is not just for payments. (Score:2)
Re: NFC is not just for payments. (Score:2)
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About time! (Score:3)
Finally! Seems pretty silly to sell an expensive phone from which you can't even unlock a hotel room door from the hotel's own app.
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30% ff what you may ask? I am sure Apple will figure out a payment plan for you, don't worry about details.
"Core Convenience NFC Fee" (Score:2)
Remember, every time you use your Apple device to open that hotel room door Apple will want 30%. 30% ff what you may ask? I am sure Apple will figure out a payment plan for you, don't worry about details.
Lol yeah - they'll just demand it from the hotel directly instead - I'm sure they'll put in some sort of "privacy-preserving" (read: buzzword salad) way of tracking each door unlock, and charge the hotel a "Core Convenience NFC Fee" each time.
Watch this become reality (ooops! Now I've gone and used one of their precious trademarks - guess I'll get hit with a "Core Trademark Usage Fee"!)
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charge the hotel a "Core Convenience NFC Fee" each time.
Watch this become reality
I'm guessing you might have only read the summary on Slashdot - what you suggest is, sadly, exactly what they're planning: [financialpost.com]
This under the guise of "security and privacy standards" - absolutely nothing to do with siphoning in more money, of course.
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FML
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>30% ff what you may ask?
The door, of course!
And if you get annoyed by the resulting lack of privacy, and head down to the restaurant, apple get's 30% of your meal . . .
Re:About time! (Score:4, Informative)
This is about letting a device implement its own NFC sender/receiver without using the card/wallet system.
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Not more than 15 minutes ago, I unlocked my hotel room door with the key provided by the hotel. No phone required.
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your hotel costs 30% more! (Score:2)
your hotel costs 30% more!
Re: your hotel costs 30% more! (Score:2)
Fee to open your door? (Score:2)
So everytime I use the NFC to open my door Apple wants to get paid?