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How Siri works in iOS 10 for third-party apps: Rich integration with six kinds of application

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Siri unlocks a new dimension of functionality in iOS 10, allowing third-party apps to integrate inline into the Siri voice assistant experience. Any developer integration expands utility of Siri dramatically but it’s important to note the limitations of the system Apple announced.

For iOS 10.0, the Siri API will only work with six kinds of application: ride booking (think Uber), messaging, Photo Search (find photos and videos in a particular app), payments (‘Send $100 to John with SquareCash’), VoIP Calling (e.g: Skype) and Workouts (for starting health and fitness activities) …


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Feature Request: Family Sharing w/ individual payments, shared iCloud storage upgrades, more

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I’ve never been a Family Sharing user, Apple’s feature that allows families to share iCloud account access for things like photos and music on both iOS and Mac. But I recently decided to upgrade my Apple Music account to a family plan to take advantage of the discount as I encourage family members and friends to try out the service; that required me to activate the Family Sharing feature that Apple uses to manage family plans for Apple Music.

While you can choose to ignore most of the features of Family Sharing — photos, calendars, and reminders can be accessed through shared folders in their respective apps — once it’s activated, there aren’t any granular settings for each member to disable sharing on a per-feature/app basis. But the even bigger issue is that all purchases from any Apple ID in the family go to a single credit card of the admin (or parent) of the group. In other words, I’m now paying for every app, song, book, or anything else that my family group members purchase from Apple on top of the subscription costs for Apple Music.


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Square Cash introduces Cash Drawer to compete with Venmo and PayPal

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Square Cash, Square’s app that allows users to send money to each other for free, saw a new update today that puts it more inline with competitors. With Cash Drawer, Square Cash now let’s users hold money within the app instead of transferring it immediately out to their own accounts. This behavior directly mimics functionality that Venmo and PayPal bolster.


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Apple rolls out redesigned Payments and Financial Reports view in iTunes Connect for developers

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Apple is rolling out a small but useful improvement to developers today. It has overhauled the Payments and Financial Reports section of iTunes Connect with a modern interface and new design that combines all relevant financial numbers into one table. This screen was long overdue for a redesign, until today featuring ugly iOS 5 era buttons and textured backgrounds. The new look reflects Apple’s modern design philosophy: flat, white and clean.


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New ‘Pay with Venmo’ platform rivals Apple Pay as an in-app payment solution

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Pay with Venmo example using the feature to request and pay for a cab rideVenmo today introduced a new in-app payment option called ‘Pay with Venmo’ for both users and businesses alike. The feature allows vendors to directly integrate Venmo’s payment platform into their checkout process. And user’s can now simply select the Venmo option when checking out in supported apps, and no longer need to type in any credit card information.


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Apple Pay now works with Kohl’s Charge, the first store credit card to add support

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Clothing retailer Kohl’s has become the first business to offer support for using store credit cards with Apple Pay. Kohl’s, which is the second largest U.S. department store behind Macy’s, has long been a participating store for accepting the mobile payment service, and now Kohl’s Charge card users can add the store credit card to the Wallet app in iOS 9 on iPhone and iPad and watchOS 2 on Apple Watch.
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Apple applies for patent for person-to-person payments, secured by Touch ID

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When I suggested that Apple could in the future move beyond Apple Pay to become a bank, a couple of you observed that person-to-person payments might make a logical next step in that direction. It appears Apple may agree: Patently Apple notes that the company today applied for a patent for a method of transferring money from one iPhone to another.

Using electronic devices (such as cellular telephones) that communicate wirelessly, two individuals can make person-to-person payments. In particular, an individual using an electronic device may identify another proximate electronic device of a counterparty in a financial transaction, and may provide an encrypted payment packet to the other electronic device that includes: a financial credential for a financial account of the individual, a payment amount, and a payment sign.

The transaction would appear to take place in the Wallet app, and Touch ID would be used to authorize both ends of the transaction.

The user interface may display a prompt to the user to provide authentication information (such as ‘please touch the fingerprint sensor’). 

Payments would be credited to a choice of “payment vehicles,” read: bank accounts and cards that can accept transfers from third-parties. The patent of course notes that all data transmitted between both the iPhones and the payment processor would be encrypted.

Timothy Hurley, Senior Director of Apple Pay Engineering, is listed as one of the inventors.

UK Apple Pay won’t require PIN but £20 contactless transaction limit does apply … for now

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Apple Pay is going international starting with the United Kingdom next month. The precise nature of how Apple Pay will work in the UK has been murky, with banks saying different things. Apple has now posted a FAQ to explain the situation.

Apple Pay will work with any current contactless reader. By default, it uses the same technology as other UK contactless cards. This means that performing an Apple Pay purchase will not require a PIN (as is standard with UK Chip and PIN payments). However, the usual £20 limit on contactless transactions does apply … for the time being. When Apple Pay launches in July, almost all merchants will only allow Apple Pay purchases up to £20 …


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Apple Pay setup by two-thirds of iPhone 6 owners, nearly half only used once says survey

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Research shared by Phoenix Marketing International offers new data for Apple Pay‘s adoption and performance since it launched in the United States in October last year. The survey polled just over 3,000 credit cardholders to conclude that “11% of all credit card-owning households” and two out of three iPhone 6 users have used Apple Pay. Aside from a high adoption rate for the mobile payment service, the survey also highlights that almost half of those Apple Pay users have used the service just one time.
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Visa to follow Apple Pay’s lead, use tokens for mobile & online payments

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Following Apple Pay’s successful use of tokens—one-time-use, unique codes rather than credit card numbers for payment transactions—Visa today announced that it will remove 16-digit account numbers for mobile and online payments across 2015. No specific date was given for the transition; instead, Visa suggests that tokens will begin to replace credit card numbers as the company’s partners get access to the Visa Token Service that rolled out alongside Apple Pay in October 2014.

“Removing card account numbers from the processing and storage of payments represents one of the most innovative and promising technologies we’ve seen in decades,” said Charlie Scharf, chief executive officer, Visa Inc.

According to Visa, online transactions made with Visa Checkout will be tokenized this year, securing transactions for over 110 existing merchants. The Visa Token Service will also grow to include “other leading device manufacturers and technology companies” beyond Apple with Apply Pay, and will be supported in mobile payment apps released by Visa-partnered financial institutions in the United States, Asia Pacific, and Latin America.


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Apple Pay adds another 15 banks and credit unions, over 60 institutions now supported

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Last month Apple rolled out support for dozens of banks and credit unions with Apple Pay bringing the count to more than 45 institutions, and today Apple is out with the first wave of the month adding more than a dozen new banks to its list of supported Apple Pay banks bringing the total count to over 60 institutions. Here are the new banks listed as supporting Apple Pay as of today:
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Verifone’s new future-proof NFC terminal supports all mobile payment platforms & devices, including Apple Pay

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While an increasing number of retailers are adopting smartphones and tablets as mobile payment terminals, the deployment process can often prove to be expensive and time consuming as the sizes and form factors of devices continue to change. Leading NFC terminal maker Verifone aims to solve that problem, announcing today a new mPOS terminal that supports all mobile payment platforms and devices.

Verifone’s upcoming PAYware Mobile e355 should be an extremely valuable option for retailers looking to deploy a mobile POS system without being locked into a single ecosystem. PAYware Mobile e355 is designed to work with multiple device sizes and form factors, meaning that retailers won’t have to constantly upgrade their hardware when next-generation iPhones or Android-based smartphones are released.
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New Chase ad for Apple Pay focuses on small businesses, features Jack Antonoff’s Bleachers band

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Ad Age reports that Chase is running its first TV ad for Apple Pay, focusing on use in small businesses, and featuring Fun lead guitarist Jack Antonoff’s side indie band Bleachers.

The ad, out of creative agency Saatchi & Saatchi, features members of indie pop band Bleachers roaming Los Angeles in the hours leading up to a performance. The musicians make purchases along the way using their Chase Freedom credits cards — but through Apple Pay on their iPhones, not the physical cards.

Chase said that Apple was heavily involved with the ad … 
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MCX: Merchants accepting both CurrentC and Apple Pay ‘entirely possible’ in the future

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Earlier this week, retailers CVS and Rite Aid blocked NFC payments at their stores following the launch of Apple Pay because of their existing commitment to MCX’s CurrentC platform. Nevertheless, MCX CEO Dekkers Davidson assures that merchants accepting both CurrentC and Apple Pay “could be entirely possible” in the future.

The blockade has ignited somewhat of a controversy between Apple Pay and MCX, only worsened by the fact that it was confirmed that CurrentC suffered a security breach earlier this morning. MCX, or Merchant Customer Exchange, consists of a number of high-profile retailers that grouped together to work on their own CurrentC contactless payments platform.
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Apple Watch uses constant skin contact to validate Apple Pay purchases

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A couple of reports yesterday and today have highlighted a little tidbit of information many have been wondering about the upcoming Apple Watch: How will the device make sure payments via Apple Pay are secure? Both the iPhone 6 and iPhone 6 Plus have the convenient Touch ID sensor to validate that your purchases are indeed being done by you, but new information suggests that the Apple Watch is going to accomplish this security in a slightly different way…


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Apple Events channel added to Apple TV for iPhone / Wearable live stream

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Apple announced on Thursday that it will broadcast this year’s iPhone event live for Safari and Apple TV users, and today Apple TV has revived the dedicated Apple Events channel for viewing the announcement live during the event. The channel usually remains for a short time after the event for on-demand viewing. As always, we’ll be sharing major announcements from Apple’s event for those who cannot view the live stream throughout the event.
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Apple reportedly negotiated transaction fee discounts w/ major banks ahead of mobile payment system

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Financial site Bank Innovation reports that Apple has negotiated lower transaction fees with American Express, Bank of America, Capital One, Citigroup, and JP Morgan Chase ahead of the debut of its mobile payment system expected to be announced alongside the new iPhone models next week. The report notes that the banks were likely willing to lower rates to ensure participation and due to Apple’s security measures including the iPhone’s Touch ID sensor.

The first thing Apple has done is convince these four FIs to consider transactions from Apple’s upcoming payments venture — said to launch with its forthcoming iPhone 6 introduction — as “card present” transactions, which carry a lower discount rate than “card not present” transactions, because of lower fraud risk.


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Square Cash now lets you send money over text messages, add notes to payments, more

Square launched its app Cash last fall making the process of sending money from your bank to other people over email, and today the company is introducing the next major version of its app. Square Cash 2.0 introduces a list of new features including the ability to now send a transaction over text messaging in addition to email and attach notes to payments for adding context to a transaction. Below you can see the full list of changes in the new version.

What’s New in Version 2.0

Everything is better in Cash 2.0!

• Send cash to any mobile phone number via text message.
• Faster, optimized sending interface.
• Import your address book for quick contact selection.
• Add a note to your payments.
• Pick a profile picture.
• Choose push notifications, text messages, or email notifications.
• Manage all of your email addresses and phone numbers in one place.
• Quickly approve incoming requests from a push notification or text message.
• Invite friends via text message and get $1 when they join.

Square Cash 2.0 is available for free on the App Store.

 

Hundreds of businesses in London are about to flip the switch on payments via iBeacons

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In Brixton, South West London, hundreds of businesses will soon integrate iBeacons as part of one of the first real-world networks for mobile payments using Apple’s Bluetooth LE iBeacon tech

In Brixton, businesses introduced a local currency in 2009 that eventually switched from paper into mobile payments by text. Around 250 businesses in the area accept the currency, which is meant to keep the money in the community and support smaller independent local businesses. By the starting of next month, the currency will have its own mobile app called Brixton Pound, and iBeacons will make it easy to automatically prompt users for payments. The Brixton Pound organization teamed up with Dingo for the payment solution and kontakt.io for the iBeacon hardware and integration:
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Apple Store employees switching from iPod touch to iPhone 5s for EasyPay POS system

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Apple is in the process of updating the iPod touch units used by Apple Store employees as a mobile point-of-sale system to the iPhone 5s, according to sources familiar with the roll out. 

Apple first started using its iPod touch as an “EasyPay” system for employees in its retail stores back in 2009 and currently uses 4th gen iPod touch or previous models for staff. It uses a point-of-sale attachment for the iPod touch that adds a magnetic stripe reader, barcode scanning functionality, and more. It’s not clear the exact motivation behind Apple’s move to the iPhone after long using the iPod touch, but the device does provide a few advantages. 
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Flint mobile billing app adds invoicing, Passbook coupon support, and card scans via camera

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iOS users looking to accept payments on their mobile devices now have another option. Flint has just been updated to version 2.0. The app adds several new and useful features for small businesses, such as the ability to create invoices right in the app.

The app also introduces support for Passbook coupons. Merchants can create their own coupons and issue them to customers as Passbook passes. The Flint app can then scan these coupons and apply them directly to a transaction.

The 2.0 update also allows merchants to create orders with multiple items, and scan credit and debit cards using the camera on their iOS device. Cash and check sales can also be tracked within the new app and customers can get receipts for their transactions.


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Apple hiring developers for next gen payment platform to help retail ‘enter new markets’

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Apple today posted a job listing on its website looking for a Payments Software Engineer that will “help build a next generation payment platform.” Apple says the payment system will consist of integration of payment devices, middleware and acquirers that will “push the boundaries in new markets for Apple Retail.”
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