Posts tagged with "Wallet"

Developers Getting Access to NFC Transactions via the Secure Element in iOS 18.1→

Earlier today, Apple announced another major new functionality coming to iOS 18.1: the ability for third-party apps to offer NFC transactions via the iPhone’s Secure Element:

Starting with iOS 18.1, developers will be able to offer NFC contactless transactions using the Secure Element from within their own apps on iPhone, separate from Apple Pay and Apple Wallet. Using the new NFC and SE (Secure Element) APIs, developers will be able to offer in-app contactless transactions for in-store payments, car keys, closed-loop transit, corporate badges, student IDs, home keys, hotel keys, merchant loyalty and rewards cards, and event tickets, with government IDs to be supported in the future.

This is coming in iOS 18.1, which will also mark the official debut of Apple Intelligence. Even better, Apple has published extensive documentation on the new APIs, from which I noticed one detail: in addition to overriding the iPhone’s side button double-click with a different app, a third-party app running in the foreground will still be able to initiate its own NFC transactions, even if you set a different default app.

Eligible apps running in the foreground can prevent the system default contactless app from launching and interfering with the NFC transaction.

And:

You can acquire a presentment intent assertion to suppress the default contactless app when the user expresses an active intent to perform an NFC transaction, like choosing a payment or closed-loop transit credential, or activating the presentment UI. You can only invoke the intent assertion capability when your app is in the foreground.

The irony of all this, of course, is that Apple is under regulatory scrutiny in both Europe and the United States regarding the inability for third-party developers to offer alternative wallets and tap-to-pay systems on iPhone. But as it’s becoming apparent lately, it seems there’s no greater project manager for new iOS features than the fear of regulation.

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Apple Announces New Features Coming to Its Services This Fall→

Alongside updates to Apple’s platforms and Apple Intelligence, the company announced an assortment of new features coming to its line of services this fall. From the press release in Apple Newsroom:

“So many of our users rely on Apple services throughout their day, from navigating their commute with Apple Maps, to making easy and secure payments with Apple Pay, to curating playlists with Apple Music,” said Eddy Cue, Apple’s senior vice president of Services. “We’re excited to give them even more to love about our services, like the ability to explore national parks with hikes in Apple Maps, redeem rewards or access installments with Apple Pay, and enjoy music with loved ones through SharePlay in Apple Music.”

I like that this services roundup is becoming an annual WWDC tradition. Some of these features were mentioned or shown on-screen during the keynote, but it’s easy for them to get overlooked in light of major operating system changes. While they might seem small in comparison, improvements to Apple’s services can have lasting day-to-day impacts on those who use them, myself included.

A few of my favorite services updates this year:

  • A new Places Library in Maps that allows you to save locations and write notes about them.
  • Tap to Provision, an easier way to add credit and debits cards to Wallet by tapping them instead of entering card numbers.
  • Redesigned event tickets in Wallet that can feature new types of data, including parking and weather information.
  • The Library tab in Apple Fitness+ for quicker access to saved workouts, Custom Plans, and Stacks.
  • Redesigned iCloud settings to better surface recommendations and features you’re using.

Check out the press release for all the updates coming to Apple’s services this fall. There’s a lot to look forward to there, and I’m happy to see the company continuing to push its services forward.

You can follow all of our WWDC coverage through our WWDC 2024 hub or subscribe to the dedicated WWDC 2024 RSS feed.

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Apple Rolls out Support for Paris Transit Passes in Wallet Just in Time for the Olympics

Today, Apple rolled out support for Paris’ Navigo transit passes in the Wallet app, just in time for the Paris 2024 Summer Olympic and Paralympic Games. Travelers are now able to acquire a Navigo pass directly from Apple’s Wallet app and load it with transit tickets. Not only that, but this now also makes it possible to use your iPhone to get through any gates on the Paris transit network, simply by holding the iPhone near the stations’ contactless readers.

Navigo in Wallet also supports Apple’s Express Mode feature, which means the pass is automatically activated when holding the iPhone near a gate, without having to authenticate with Face ID. Additionally, this features lets you use the pass for up to five hours after your iPhone runs out of battery.

As French publication Numerama notes, this full integration with Apple’s transit pass system is a first of its kind in continental Europe. In my testing, you can add a Navigo pass in Wallet and pay for a new batch of tickets without even having to install Paris’ official transit app at any step of the process. However, this only applies to occasional travelers since the official app is still required to purchase weekly and monthly tickets before you can load them onto the pass in Apple Wallet.

Loading tickets onto the Navigo Pass in Apple Wallet, and enabling Express Mode.

Loading tickets onto the Navigo Pass in Apple Wallet, and enabling Express Mode.

This integration with Apple Wallet has been a long time in the making. Android smartphone owners have already been able to replace their physical Navigo pass with their device since 2022. At the time, Île-de-France Mobilités (Paris’ transit authority) announced they were actively working with Apple to bring the feature to the iPhone in 2023. Today, one year later than originally expected, it has finally arrived.

Hands-on With France’s Digital ID App on the iPhone: Not as Digital as Digital Can Be

Almost three years ago now, Apple announced that it would support adding state IDs and driver’s licenses to the Wallet app on the iPhone and the Apple Watch, with the feature first rolling out to a handful of US states. Today, digital IDs in Wallet still haven’t materialized in most of the states that committed to support the feature back in 2021, and Apple hasn’t announced any expansion of the feature beyond the US.

Here in France, the government has long pledged to offer the ability to get a digital ID for all holders of the redesigned national identity card that started rolling out in 2021. The new ID card format was to be smaller than the old one (finally reaching the size of any standard credit card), but more importantly, it would feature an RFID chip that would enable contactless interactivity with, say, a dedicated terminal or any NFC-enabled smartphone. Fast-forward to today, and with this new ID card now widely in the hands of French citizens, France’s government has released France Identité, an app that allows any French ID card holder to get a digital version of their ID or driver’s license on their smartphone.

While the app was publicly made available earlier this year on iOS and Android, I have been using the beta for close to a full year now. France Identité is a strange, frustrating mix of physical and digital that says a lot about the privacy concerns and technical issues that inevitably get raised when a state wants to take their IDs digital.

Let’s take a look at the app, what it can do, and how it differs from Apple’s vision for digital IDs.

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Demystifying Digital Wallets and Apple Pay→

One of the many allegations in the Department of Justice’s antitrust complaint against Apple is that Apple stifles competition by:

effectively block[ing] third-party developers from creating digital wallets on the iPhone with tap-to-pay functionality, which is an important feature of a digital wallet for smartphones. As a result, Apple maintains complete control over how users make tap-to-pay payments with their iPhone. Apple also deprives users of the benefits and innovations third-party wallets would provide so that it can protect “Apple’s most important and successful business, iPhone.”

(DOJ Complaint at ¶ 104).

In a post a couple of days ago, John Gruber suggested that the DOJ is off-base because he doubted banks or other credit card companies would obfuscate credit card numbers the way Apple does. In fact, as Matt Birchler, who works in the payments industry, explains, many U.S. banks and other companies do (or did) the same thing, using something called a DPAN:

It’s notable that it’s called a DPAN and not “the Apple Pay number” – it’s a generic term, and that’s because this is a standard feature of digital wallets everywhere, not just Apple Pay. Google Pay and Samsung Pay are the biggest other digital wallets in the U.S. and they both do exactly the same thing. While it’s not technically using a DPAN since the payment runs through different companies, Amazon Pay and Shop Pay buttons also obscure the actual FPAN (full card number) from merchants.

And it’s not just tech companies using DPANs – U.S. banks do too:

Numerous banks from Walls Fargo to Chase to Bank of America have (or had) digital wallets, all of which used DPANs to protect your plain text account number. Paze is what a few big U.S. banks use today and it of course uses DPANs as well.

It’s not surprising that there is confusion about Apple Pay. Apple doesn’t tell customers about DPANs. Instead, the company uses its unique mix of hardware, software, and excellent marketing to make its payment system feel like magic.

In addition to DPANs, Birchler covers:

  • The differences between FPANs and DPANs
  • The extent to which you can be tracked using your Apple Pay purchase history
  • How much personal data Apple Pay transmits to merchants

The post is an excellent read that dispels common myths and confusion about Apple Pay clearly and concisely. It’s the exact kind of explanation of the industries Apple is accused of monopolizing that I hope we see more of as the DOJ’s lawsuit proceeds.

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FinanceKit Opens Real-Time Apple Card, Apple Cash, and Apple Savings Transaction Data to Third-Party Apps→

Ivan Mehta, writing for TechCrunch:

Apple’s iOS 17.4 update is primarily about adapting iOS to EU’s Digital Market Act Regulation. But the company has also released a new API called FinanceKit that lets developers fetch transactions and balance information from Apple Card, Apple Cash, and Savings with Apple.

If you use an Apple Card and a budgeting and financial tracking app, you’ll know why this is a big deal. I’ve been tracking my expenses with Copilot for over a year now, and I was pleased to see in Mehta’s story that Copilot, along with YNAB, Monarch, have teamed up with Apple to be the first third-party apps to use FinanceKit.

Before FinanceKit, I could only track my Apple Card expenses by importing a CSV file of my transactions one time each month when a new statement appeared in the Wallet app. Not only was that laborious, but it defeated the purpose of an app like Copilot, which otherwise lets you see where you stand with your budget in real-time. The process was such a bad experience that I used my Apple Card a lot less than I would have otherwise. Now, those Apple Card transactions will be recorded in Copilot, YNAB, and Monarch as they’re made, just like any other credit card.

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