apple pay-internet-briefing-anreizsysteme-20150303
TRANSCRIPT
Field Report
Apple Pay with US Credit and Debit Cards in Switzerland
March 3, 2015 – Dr. Thomas Fromherz
Netcetera | 2
Registration
Purchase Transactions with Apple Pay
Apple Pay in In-App E-Commerce Transactions
© 2015 Netcetera AG
Agenda
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Registration of Card for Apple Pay
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Switch region to “Vereinigte Staaten”
“New” Passbook w/ Apple Pay
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Get Passbook with Apple Pay Capability (cont.)
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Open PassBook
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Registration of Card for Apple Pay
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Click “Set Up Apple Pay“
Click “Use Card on File with iTunes”
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Registration – Citi MC, Card Data Input by Typing
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Enter security code
Verifying …
Agree to T&C
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Registration – Citi MC, Card Data Input by Typing (cont.)
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Verifying Accept T&C
Card verified
3 identification options
Call Citi Apply Pay number, enter
PAN, ZIP, Citi password
automatically verified (or
forwarded to call center agent)
Citi (system?) calls number on file
Citi (system?) texts number on file
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Registration – Citi MC, Card Data Input by Typing (cont.)
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Card ready for Apple Pay
Complete registration:
< 5 min
Activation (from successful
identification to “ready message”):
< 5 sec
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Registration – Citi MC, Card Data Input by Typing (cont.)
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Under “i” card info screen
Direct link to Citi mobile app
On/off switch for card notifications
Transaction history
Contact Citi (link to initiate call)
Card number (PAN), last 4 digits
Device account number (DAN), last
4 digits
Remove card
© 2015 Netcetera AG
Registration – Citi MC, Card Data Input by Typing (cont.)
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Pressing camera icon activates
automatic recognition of card data
from picture
Security code (CVV) to be entered
manually
© 2015 Netcetera AG
Registration – Citi Amex, Card Data Input by Camera
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Enter security code (CVV) manually
Verifying Accept T&C
© 2015 Netcetera AG
Registration – Citi Amex, Card Data Input by Camera
(cont.)
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1 identification option
Call Citi Apply Pay number, enter
PAN, ZIP Citi password
forwarded to call center agent
verification of identity
Apple Pay activation by agent
Card ready for Apple Pay
Complete registration: < 5 min
Activation: < 5 sec
© 2015 Netcetera AG
Registration – Citi Amex, Card Data Input by Camera
(cont.)
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E-Mail with additional instructions on
how to activate card for Apple Pay
© 2015 Netcetera AG
Registration – Citi MC, Amex, Customer Communication
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E-Mail with activation confirmation
and further information
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Registration – Citi MC, Amex, Customer Communication
(cont.)
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Pressing camera icon activates
automatic recognition of card data
from picture
Security code (CVV) to be entered
manually
© 2015 Netcetera AG * BofA = Bank of America
Registration – BofA* Debit, Card Data Input by Camera
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Verifying Accept T&C
1 identification option
Call BofA Apply Pay number
forwarded to call center agent
verification of identity
Apple Pay activation by agent
© 2015 Netcetera AG * BofA = Bank of America
Registration – BofA Debit, Card Data Input by Camera
(cont.)
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1 identification option
Call BofA Apply Pay number
forwarded to call center agent
verification of identity
Apple Pay activation by agent
Card ready for Apple Pay
Complete registration: < 5 min
Activation: < 5 sec
© 2015 Netcetera AG * BofA = Bank of America
Registration – BofA Debit, Card Data Input by Camera
(cont.)
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Under “i” card info screen
Direct link to BofA mobile app
NO On/off switch for card
notifications
NO Transaction history
Contact BofA (link to initiate call)
Card number (PAN), last 4 digits
Device account number (DAN), last
4 digits
Remove card
© 2015 Netcetera AG * BofA = Bank of America
Registration – BofA Debit, Card Data Input by Camera
(cont.)
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E-Mail with activation confirmation
and further information
© 2015 Netcetera AG * BofA = Bank of America
Registration – BofA Debit, Customer Communication
(cont.)
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All 3 cards in PassBook
and in “Settings” app under
“Passbook & Apple Pay”
© 2015 Netcetera AG * BofA = Bank of America
Registration – All 3 Cards in PassBook and Settings App
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In “Settings” app under “Passbook &
Apple Pay”
Set default card
Add 1 billing and 1 shipping address
Add 1 phone number
Add 1 e-mail address
All can easily be picked from
address book entries
Addresses and contact details for in-
app purchases
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Registration – Add Billing & Shipping Address and
Contact Details
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Contactless Payment at Migros POS
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Video shows transaction with
changing card from Amex to
MasterCard
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Contactless Payment at Migros POS
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Holding iPhone against POS, screen
off
Screen turned on, verified Touch ID
(or not )
Transaction successful
Notification on lock screen
Sliding notification opens card info
screen (PassBook/Setting) (s. slide
after next)
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Contactless Payment at Migros POS
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Card info screen can be accessed via
PassBook (pictures left) or via
“Settings” PassBook & Apple Pay”
PassBook shows last transaction on
card screen and card info screen (see
next slide)
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Contactless Payment at Migros POS (cont.)
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Card info screen shows latest
transactions
Citi Mobile app shows transactions as
“pending”
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Contactless Payment at Migros POS (cont.)
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Some Details
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When tapping the terminal Apple Pay
wakes up and displays default card;
If TouchID not pressed, transaction
doesn’t happen
User can choose another card with
typical Passbook gesture also used
for selecting boarding cards, hotel
reservations, or movie tickets
Selected card is used for transaction
(s. movie)
© 2015 Netcetera AG
Change of Card when Paying
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Transaction amount is sent back via
NFC for MasterCard, i.e. always
available, even without data
connectivity (flight mode on)
If no data connectivity available,
merchant name not available
© 2015 Netcetera AG
Merchant Names vs. Transaction Amount
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Once data connectivity available
(flight mode off), merchant name is
sent to iPhone (both notification and
transaction history)
Assumption: sent by issuer
© 2015 Netcetera AG
Merchant Names vs. Transaction Amount (cont.)
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For Amex, amount apparently not sent
back via NFC but - converted into
US$ - via data connectivity from
issuer;
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Merchant Names vs. Transaction Amount (cont.)
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High-value transaction did not require
PIN at terminal
Possible explanation: US cards are
mag-stripe only and TouchID
replaces signature
© 2015 Netcetera AG * BofA = Bank of America
High / Low Value Transactions
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MasterCard: Contactless EMV
Amex: Contactless Magstripe
But: press says “contactless EMV
only”
Acquiring Records
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Contactless EMV vs. Contactless Magstripe
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Acquiring Records – KKiosk
DAN
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Acquiring Records – KKiosk
DAN
Contactless Magstripe
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Acquiring Records – Test Terminal
DAN
Contactless EMV
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Aiming was not an issue; transactions
were done without even thinking
about how to hold iPhone to terminal
Transaction at Migros terminal
(Yomani) was faster than at Kkiosk
(Verdi);
The latter required some patience &
confidence that transaction would go
thru;
Empiric judgment
© 2015 Netcetera AG
Aiming & Transaction Time
Netcetera | 41© 2015 Netcetera AG
Apple Pay in E-Commerce aka In-App-Transactions
Netcetera | 42© 2015 Netcetera AG Quelle: http://www.apple.com/apple-pay
Apple Pay in Apps
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First screens of Apple Store app
Purchase did not go thru due to
address problem
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Apple Pay in Apple Store App
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(c) 2015 Netcetera AG
The content of this presentation is copyrighted material. Reproduction or publication,
in whole or in part, by third parties without prior written permission of Netcetera is
prohibited.
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+41 44 297 58 18
Dr. Thomas Fromherz – Director Payment & Card Services
Contact
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