Apple Pay

Paul_1977

edinburghlad wrote: »

Thanks Paul_1977. Even for contact less payments?

Yes, not sure about on the bus.

gjchester

NFH wrote: »

Good point. Nor are ticket inspections on the DLR. TfL only finds out at the end of the day whether you had touched in at the beginning of your journey and whether the ticket inspection passed or failed.

My understanding is the card stores something in it when used, (maybe the last touched in location or time), so the card reader in a ticket inspection simply pulls that out of the card to check it has been touched in within an appropriate time frame. Red light and the inspector asks more questions.


Contactless on bus's I 'm told they get a list of cards that have been used on the bus (or partial card digits) and check them, how they do it on the undergrounds where there's a huge number of cards I've no idea, probably just grab the card details and reconcile them back at base, issuing penalty notices are required.

Kite2010

How long before the first "I've been charged twice because my phone selected two different cards" to use when on the underground (i.e. changed to card 2 when entering the system, but phone changed back to card 1 when exiting the system).

Does the requirement for having the NFC on always looking for a NFC field to communicate with affect the battery?

lee111s

You select a default card that it will use whenever presented to a payment station unless you specifically go into the passbook app and select a different card.

NFH

gjchester wrote: »

My understanding is the card stores something in it when used, (maybe the last touched in location or time), so the card reader in a ticket inspection simply pulls that out of the card to check it has been touched in within an appropriate time frame. Red light and the inspector asks more questions.

Your understanding is correct for Oyster. However, given that contactless cards (including Apple Pay) cannot store data at the request of the merchant, this method doesn't work for contactless payments. Therefore the method that I described above applies.

Recently I was charged £5.20 for a "Failed Revenue Inspection" after I presented my contactless Amex card for a ticket inspection on the DLR. This was because my touch-in at the originating station hadn't reached TfL's servers by the end of day. A couple of days later after my touch-in finally reached TfL's servers, TfL automatically corrected the error and I was charged only the correct fare for my journey. The same would apply when using Apple Pay. It appears that a "Failed Revenue Inspection" on a contactless payment card is considerably cheaper than a £80 penalty fare - a potential loophole for deliberate fare evaders.

dr_adidas01

Kite2010 wrote: »

How long before the first "I've been charged twice because my phone selected two different cards" to use when on the underground (i.e. changed to card 2 when entering the system, but phone changed back to card 1 when exiting the system).

Does the requirement for having the NFC on always looking for a NFC field to communicate with affect the battery?

I doubt it will happen as you have 1 card set as your default payment so if you want to use a different card you have to manually select it, therefore unless some huge software glitch happened it would be near impossible for 2 cards to be charged at the same time.

As for the NFC chip not noticed any battery life change in my iPhone or apple watch, then again I've only really used apple pay a few times since it was launched on Tuesday.

NFH

dr_adidas01 wrote: »

therefore unless some huge software glitch happened it would be near impossible for 2 cards to be charged at the same time.

I think what Kite2010 is referring to is if you touch in at the beginning of your journey with one card and then you touch out and the end of your journey with another card. This could happen if you use use a card other than your default card to touch in, and then forget to change it from the default card when you touch out. This would cause a maximum fare to be charged to both cards, instead of the correct fare to be charged to one card.

colsten

NFH wrote: »

I think what Kite2010 is referring to is if you touch in at the beginning of your journey with one card and then you touch out and the end of your journey with another card. This could happen if you use use a card other than your default card to touch in, and then forget to change it from the default card when you touch out. This would cause a maximum fare to be charged to both cards, instead of the correct fare to be charged to one card.

This is probably as likely to happen as would using one card to touch in, and another card to touch out.

NFH

colsten wrote: »

This is probably as likely to happen as would using one card to touch in, and another card to touch out.

Indeed. I've nearly done that a couple of times when using physical contactless cards. The second time I did it, the card reader fortunately failed to read my card and gave an error.

InsideInsurance

NFH wrote: »

The Crosse Keys, I assume? I went to the Wetherspoons in Canary Wharf, as it seemed like an obvious place to try Apple Pay on the launch day. Wetherspoons have really been leading the way in contactless payments. It speeds up the whole process of buying a round. Fees to retailers are very low for accepting contactless payments, so there's no excuse for other pubs and bars not to follow suit.

It was indeed the Crosse Keys, not my normal haunt but Curry Club is a guilty secret