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vomhorizon

macrumors 6502a
Sep 24, 2013
952
68
But that is not what you said...you said this discussion started around Apple and speculated partnerships from WSJ.....that is NOT how this thread and discussion started....nice try......
This how this discussion started:


But you said this below.....not the same thing at all.....

I was referring to my discussion with you that started today..Not all the discussion in the thread.
 

jrswizzle

macrumors 603
Aug 23, 2012
6,107
129
McKinney, TX
So now you want to make it personal.....it is well known you are an Apple fan boy through COUNTLESS threads!
So what can you buy with your TouchID right now? the technology has been out there for 6 months and in development for at least a year or two. Why is there no partnerships? Why can't you use this great feature to buy from Amazon? It would be great for consumers.....to have choices....not restrictions.

You can call me an Apple fanboy if you want. I've used plenty of Android devices and liked most all of them. I do prefer Apple and don't try to hide that fact. It simply works best for me.

You continue to assume that because Apple has not released the feature NOW, that they don't have ANY partnerships. That's a false assumption. Rather the likliehood is that they are in discussions with a number of retailers and have yet to compile a large enough list to make it worthwhile to release.

For instance - if Apple were talking with various television content providers (NBC, ABC, ESPN etc...) and only had two of them on board, do you think they should release their Apple TV with just those two options? Of course not!

Similarly, if Apple has Amazon on board but no one else, why would they release the feature? More than likely they are waiting for it to be more fully formed. Which I actually prefer.

The way Samsung has chosen to go is not the only way - rather it is the way Samsung needed to go based on their position. Apple is in a different position and will therefore create a different implementation. The fact that they haven't yet released it simply means its not ready. That's ok. Mobile payments are still new.
 

jamezr

macrumors P6
Aug 7, 2011
16,081
19,081
US
These are taken from previous posts of yours in this thread:

Apple wants to keep TouchID all to themselves to make money through their delivery channels. Opening up TouchID to third party apps might get in the way of that......

Apple is going to make it hard for you to buy anything other than Apple products and services. They are not going to offer choices....or other partners or companies that people want to do business with....

Apple will strictly control the use of TouchID not to make it secure....but instead to generate a revenue stream.....

But Apple wants their customer base to only buy their content through their own channels.


So you're saying that these comments are not meant to insinuate that all Apple cares about is locking customers in and profit? An image many would attribute to an evil, selfish company?

By the way - what company offers access to other companies' merchandise in their store? If I walk into Best Buy, am I also able to purchase from Target? Or am I able to purchase Target gift cards? Of course not. It's not surprising Apple makes it easier to buy from them - but that doesn't mean they completely restrict you from buying elsewhere. Its really not difficult.



Let's be honest. Samsung partnered with PayPal because they wanted to offer payment via biometric scanner and they didn't have the data to do it themselves. They HAD to pair with a third party. Apple, on the other hand, doesn't have to negotiate a deal that would benefit a third party. And if you think PayPal isn't benefitting from this, you're sadly mistaken.

Secondly, Apple hasn't advertised ANY payment options via TouchID yet. You can use it as a means of bypassing the normal password input for AppleID purchases. That's all. This is a security issue. At this time, they don't feel ready to widen the scope of TouchID. At this point, I'm fine with it. TouchId was implemented as a quick and efficient way to bypass entering a passcode every time I wanted to unlock my phone. They also allowed it to bypass entering your appleID password. Because they could control how the data was sent there and they hadn't yet negotiated terms with retailers to roll out anything more substantial.

Note that this doesn't mean they haven't negotiated with anyone - simply that the grouping of retailers isn't large enough for them to feel its ready to release.



Because at this time, Apple has not opened up the ability to use TouchID for payments. I assume this is because they have yet to negotiate a deal with Amazon, or that the total package hasn't yet been put together.

Doesn't negate the fact that I can go on my iPhone and purchase goods from Amazon, Google Play or whomever else I want.
So now don't box me into to saying I am against Apple. this discussion was about the fingerprint scanners on the IP5s and the not yet released Galaxy S5.
I think Apple is the best company at creating a blend of both software and hardware. I buy and use their products and will continue to do so. But people in this thread were saying negative things about a yet to be released feature for a new phone. Then touting how one was better than the other.
I disagreed with that premise.[/QUOTE]

You've made some pretty negative comments about Apple and how you assume they will implement a payment solution, so I don't feel I'm out of bounds making the comments I've made. However, I apologize if I'm mistaken in my assumptions.

I want to make it clear that my beef with the Samsung implementation has little to do with security (though I wish people would ask as many questions about it as they did about TouchID rather than just jumping on anyone who voices concerns) and more with efficiency and convenience. As a means of unlocking your device, it seems to be much less convenient than Apple's implementation.

Vom also points out that ONE deal with a third party payment company like PayPal may be good now, but Samsung will eventually need to strike more deals to offer a full mobile payment service. Apple, on the other hand, has all the tools to offer a complete service from the get go without partnering with a third party. In my experience and opinion, the fewer people/entities are involved in a security sensitive issue, the better.



It wasn't all my idea. The idea that NFC belongs in the iWatch and not the iPhone came from a former Apple engineer and this MacRumors article. Lots of good iWatch stuff there. I figure the above idea is likely how Apple will choose to implement NFC and mobile payments when they're ready.[/QUOTE]

Have you been to Amazon? Have you been to BestBuy's website? you can but products from other retailers... Plus that is not a fair comparison. We are not talking about brick and mortar shops....this is for digital purchasing.
By the way - what company offers access to other companies' merchandise in their store? If I walk into Best Buy, am I also able to purchase from Target? Or am I able to purchase Target gift cards? Of course not. It's not surprising Apple makes it easier to buy from them - but that doesn't mean they completely restrict you from buying elsewhere. Its really not difficult.
Samsung partnered with PayPal for their fingerprint scanner....that is one more than Apple currently has. To say that Samsung needs more partnerships to be successful is pretty obvious..... Apple faces the same obstacle.

----------

I was referring to my discussion with you that started today..Not all the discussion in the thread.

Then you were discussing with yourself...I was commenting on the thread topic.....
 

vomhorizon

macrumors 6502a
Sep 24, 2013
952
68
Then you were discussing with yourself...I was commenting on the thread topic.....

So when you were quoting my posts you were actually discussing something that had nothing to do with them but everything with the original post.

Got it!

Samsung partnered with PayPal for their fingerprint scanner....that is one more than Apple currently has. To say that Samsung needs more partnerships to be successful is pretty obvious..... Apple faces the same obstacle.

Users do use touch-ID apple purchases while android users using the galaxy S5 won't be able to use their fingerprint sensor for even that. How many apps do apple users download? A tad bit over 2 billion apps a month. Not all of them are from the iPhone but given that the 5s will soon make 1 in every 5 iphones a decent amount of this would be from the 5s. Do you think iphone 5s users do even a minute fraction of that many paypal transactions? (Or android users for that matter). Which made more sense for Samsung..Allowing google play payments via finger-print or paypal payments via fingerprint (if they could not do both)..At best this is a bad judgement call by samsung (not doing google play from the get go), at worst it is a half baked effort (not having reached a deal with google to make changes to google's OS so that samsung's hardware could manage a simple task)..

BTW Where is your finger print data stored on the GS5?
 
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jamezr

macrumors P6
Aug 7, 2011
16,081
19,081
US
So when you were quoting my posts you were actually discussing something that had nothing to do with them but everything with the original post.

Got it!



Users do use touch-ID apple purchases while android users using the galaxy S5 won't be able to use their fingerprint sensor for even that. How many apps do apple users download? A tad bit over 2 billion apps a month. Not all of them are from the iPhone but given that the 5s will soon make 1 in every 5 iphones a decent amount of this would be from the 5s. Do you think iphone 5s users do even a minute fraction of that many paypal transactions? (Or android users for that matter). Which made more sense for Samsung..Allowing google play payments via finger-print or paypal payments via fingerprint (if they could not do both)..At best this is a bad judgement call by samsung (not doing google play from the get go), at worst it is a half baked effort (not having reached a deal with google to make changes to google's OS so that samsung's hardware could manage a simple task)..

BTW Where is your finger print data stored on the GS5?
Here is more information
http://www.forbes.com/sites/anthonykosner/2014/02/25/samsung-and-paypal-move-against-apple-with-galaxy-s5-finger-swipe-payments/
The inside story is that Samsung is the first smartphone maker to deploy a fingerprint sensor that uses the new FIDO Alliance authentication standard (FIDO stands for Fast IDentity Online). PayPal was one of the founders of this alliance, along with Lenovo, Nok Nok Labs, Validity Sensors, Infineon, and Agnitio. At its core, FIDO is the mobile equivalent of SSL/HTTPS for websites, and, not coincidentally, the inventor of SSL, Taher Elgamal (then at Netscape) has been instrumental in the development of these new standards.

FIDO is shaping up to be the everyone but Apple club, with Samsung now joining Google, Microsoft, BlackBerry, MasterCard, Discover and RSA and a host of smaller suppliers. Dunkelberger explained to me that Apple could easily join at any time if it decides that the open approach is more beneficial to its long-term interests. Authentec, the fingerprint sensor company that Apple bought to power Touch ID, was involved in the early FIDO discussions and its solutions are apparently in no way incompatible with these new standards.


As far as Samsung’s adoption of PayPal mobile payments go, it is making a clear bet that Apple’s staggering number of iTunes accounts will not be as translatable into general commerce as PayPal’s more diverse model. PayPal claims to have had 143 million active accounts responsible for $27 billion in mobile payments alone in 2013. A comparable estimate by Horace Dediu of Asymco shows Apple with 575 million active iTunes accounts worth $23 billion in total (desktop and mobile) 2013 revenues. When consumers think of iTunes they think of buying media and apps. When they think of PayPal, they think of buying everything (usually on eBay.) Samsung’s gamble is that a more open system linked to a more widely-accepted form of general payment will be the winning combination.

How do you know you wont be able to use Samsung's fingerprint for the Playstore? They could till do that. Apple users do not use PayPal you say? How do you know that? Data source please..... Or is because they are stuck in the Apple ecosystem? PayPal and eBay are pretty much the same....so Apple users don't use eBay too? So Apple what does the amount of apps in the app store have to do with anything? there you go again trying to muddy the water with utter nonsense. It does not even fit with the topic. You do this to sidetrack the topic. The same questions you ask about why samsung didn't allow more things to integrate with they fingerprint offering......What did Apple do? Who did they partner with? No one except themselves.....to buy their products.....to keep their customers in the Apple channel.
 

vomhorizon

macrumors 6502a
Sep 24, 2013
952
68
How do you know you wont be able to use Samsung's fingerprint for the Playstore? They could still do that.

As far as i know, samsung has not integrated its fingerprint recognition feature with google's play store. I think that will happen down the road but not starting next month.

Apple users do not use PayPal you say? How do you know that? Data source please..... Or is because they are stuck in the Apple ecosystem? PayPal and eBay are pretty much the same....so Apple users don't use eBay too? So Apple what does the amount of apps in the app store have to do with anything? there you go again trying to muddy the water with utter nonsense. It does not even fit with the topic. You do this to sidetrack the topic. The same questions you ask about why samsung didn't allow more things to integrate with they fingerprint offering......What did Apple do? Who did they partner with? No one except themselves.....to buy their products.....to keep their customers in the Apple channel.

Kindly point to the place where I said that Apple users do not use PayPal
They certainly do. I use apple and i also use paypal for ebay. All I said was that apple's own app store caters to a huge volume of transactions that involve authentication. As i have pointed out ios devices get you around 2 billion app downloads a month. Do apple ios users make 2 billion paypal transactions a month? If you think on average (smartphone) user makes more mobile payments than on paypal then authorizing app downloads you are mistaken. Apple tieing up with paypal or any alliance makes ZERO sense given the companies credit cards on file and the fact they have literally spelled out (as much as apple reveals anything) it is interested in the payment domain. Apple has a very good chance of being much bigger than paypal..

Apple would have liked to offer more, but their PLAN for payments is far bigger than what samsung is doing (opening up its fingerprint scanner to paypal) and ultimately more useful for apple's consumer if it materializes.

So Apple what does the amount of apps in the app store have to do with anything?

Its purchasing something..If given a choice of using touch ID to buy apps (or download them for free) vs using it to authenticate paypal i'll choose the former for I download many many times more apps per month then make paypal payments. In fact I do not even use my iPhone 5s to shop much outside of app purchases..Most of shopping is done on the ipad.. This will be true for most apple iphone users. Ideally you'd like to do both but given a choice most would choose to make their life easier for a task they perform much more frequently. Its just human nature, I i have to authenticate an app purchase 30 times a month, vs typing in my paypal password 5 times a month, i'd choose simplifying the former process (if i had to choose).

What did Apple do? Who did they partner with? No one except themselves.....to buy their products.....to keep their customers in the Apple channel.

Apple has not announced "payments" partners..Touch id will get into payments, just not yet (perhaps at WWDC)..as Their CEO announced in the conference call, they are very seriously looking at payments, and if they want to succeed in the field they'd have to have retailers on board. You are confusing a 'in the works' project with a totally absent project.

Citing anonymous sources, the report says Apple is exploring moving beyond the realm of digital goods and letting users pay for physical goods and services -- such as clothes or a taxi ride -- with an iTunes account. The Journal says Eddy Cue, the Apple executive in charge of iTunes and the App Store, has already met with industry executives to discuss the topic.

The company has also moved Jennifer Bailey, a longtime executive who is running the company's online store, into a new role building the payments business, the article said.
Expanding into a mobile-payments business would leverage the hundreds of millions of credit cards Apple already has on file thanks to iTunes. The move would put the company in direct competition with services like Stripe and eBay's PayPal.
The space has been heating up of late. Stripe recently raised $80 million in funding, at a valuation of $1.75 billion. And activist investor Carl Icahn has also called for eBay to spin off PayPal. Later, he said Apple would make a good suitor for the mobile-payments service.

http://news.cnet.com/8301-13579_3-5...to-build-mobile-payments-service-report-says/

The mobile payments area in general is one we've been intrigued with,' Cook stated in the company's earnings conference call with analysts today, adding, "It was one of the thoughts behind Touch ID."


http://appleinsider.com/articles/14...mobile-payment-strategy-and-more-for-touch-id

Apple's plan go far beyond what samsung is looking to do. The size and scope means its going to take time. Meanwhile apple did the first logical step in payments through the app store which is a 10 billion $ revenue a year business (and growing)..Samsung went out first (to paypal) and will later look to tie in its own app purchases (from the play store)..
 
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jamezr

macrumors P6
Aug 7, 2011
16,081
19,081
US
As far as i know, samsung has not integrated its fingerprint recognition feature with google's play store. I think that will happen down the road but not starting next month.



Kindly point to the place where I said that Apple users do not use PayPal
They certainly do. I use apple and i also use paypal for ebay. All I said was that apple's own app store caters to a huge volume of transactions that involve authentication. As i have pointed out ios devices get you around 2 billion app downloads a month. Do apple ios users make 2 billion paypal transactions a month? If you think on average (smartphone) user makes more mobile payments than on paypal then authorizing app downloads you are mistaken. Apple tieing up with paypal or any alliance makes ZERO sense given the companies credit cards on file and the fact they have literally spelled out (as much as apple reveals anything) it is interested in the payment domain. Apple has a very good chance of being much bigger than paypal..

Apple would have liked to offer more, but their PLAN for payments is far bigger than what samsung is doing (opening up its fingerprint scanner to paypal) and ultimately more useful for apple's consumer if it materializes.



Its purchasing something..If given a choice of using touch ID to buy apps (or download them for free) vs using it to authenticate paypal i'll choose the former for I download many many times more apps per month then make paypal payments. This will be true for most apple iphone users. Ideally you'd like to do both but given a choice most would choose to make their life easier for a task they perform much more frequently.



Apple has not announced "payments" partners..their touch id will get into payments, just not yet (perhaps at WWDC)..as Their CEO announced in the conference call, they are very seriously looking at payments, and if they want to succeed in the field they'd have to have retailers on board. You are confusing a 'in the works' project with a totally absent project.
You said Apple users don't use PayPal....you said there was dwarfed by iTunes and app purchases through that channel. So what about this below then! What no comment when proven wrong? Apple has more accounts but PayPal accounts resolve to more MONEY spent per account! So this is a great partnership for Samsung! The adopting of FIDO with all the rest of the partners involved in creating the standards. The standard adopted by Google, Microsoft, BlackBerry, MasterCard, Discover and RSA. Thats right did you see Google? So the Playstore is right around the corner....... They are doing all this right out of the starting gate! At launch!
FIDO is shaping up to be the everyone but Apple club, with Samsung now joining Google, Microsoft, BlackBerry, MasterCard, Discover and RSA and a host of smaller suppliers. Dunkelberger explained to me that Apple could easily join at any time if it decides that the open approach is more beneficial to its long-term interests. Authentec, the fingerprint sensor company that Apple bought to power Touch ID, was involved in the early FIDO discussions and its solutions are apparently in no way incompatible with these new standards.


As far as Samsung’s adoption of PayPal mobile payments go, it is making a clear bet that Apple’s staggering number of iTunes accounts will not be as translatable into general commerce as PayPal’s more diverse model. PayPal claims to have had 143 million active accounts responsible for $27 billion in mobile payments alone in 2013. A comparable estimate by Horace Dediu of Asymco shows Apple with 575 million active iTunes accounts worth $23 billion in total (desktop and mobile) 2013 revenues. When consumers think of iTunes they think of buying media and apps. When they think of PayPal, they think of buying everything (usually on eBay.) Samsung’s gamble is that a more open system linked to a more widely-accepted form of general payment will be the winning combination.
 

vomhorizon

macrumors 6502a
Sep 24, 2013
952
68
You said Apple users don't use PayPal....

Just show me where I said that. If you read my posts more clearly I have mentioned that I myself use Paypal.

you said there was dwarfed by iTunes and app purchases through that channel.

What I said was that I think (and its most likely true) that the common smartphone user downloads more apps in a month then executes paypal transaction. I think most on this forum will agree with the assessment. I also said given a choice I'd rather have the app store download tied up to touch ID then having my paypal account (ideally i'd like both, just not with paypal but with my credit card that is already on file with apple) since I download more apps in a month then buy or sell products using paypal. Paypal has around 130 million customers on file (roughly)..How many use paypal regularly from their smartphone? IOS has a 5 times larger online shopping footprint than Android...

http://www.businessinsider.com/apple-android-market-share-ecommerce-2014-1


Apple has more accounts but PayPal accounts resolve to more MONEY spent per account!

Because apple is not in the PAYMENTS business and PAYPAL is. You can compare the two when apple actually gets into that business which would be soon in my opinion. All of apple's sales come from selling through its own stores, this is not your traditional PAYMENTS setup which apple is looking to get into (as is being speculated)

Apple has plenty of time to get things RIGHT (they usually take their time)..By the launch of the iPhone 6 over a 100 million 5S's would have been sold (roughly)...If apple launches the iPad with Touch ID you could well have close to 300 million Touch-ID devices by late 2015. Given IOS's marketshare in online shopping and the dollar amount spent by IOS users thats a huge market that PAYMENTS can tap into. I predict WWDC as the launch of Payments, others predict later (Like a mid IOS8.1 launch like carplay) but one thing is sure, apple will rake up a huge ammount of T-ID enabled devices within 2 years of introducing the capability if they bring it to their tablet family later this year.

The adopting of FIDO with all the rest of the partners involved in creating the standards. The standard adopted by Google, Microsoft, BlackBerry, MasterCard, Discover and RSA. Thats right did you see Google? So the Playstore is right around the corner....... They are doing all this right out of the starting gate! At launch!

Google wants to be through WALLETS not through paypal. If you think google's ambitions are smaller than paypal you are very much mistaken. Google wishes to (and will) become a much larger player in payments compared to paypal. In fact i don't see much future for paypal given apple, google and amazon's interest in "payments".
 
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jamezr

macrumors P6
Aug 7, 2011
16,081
19,081
US
Just show me where I said that. If you read my posts more clearly I have mentioned that I myself use Paypal on two occasions.



What I said was that I think (and its most likely true) that the common smartphone user downloads more apps in a month then executes paypal transaction. I think most on this forum will agree with the assessment. I also said given a choice I'd rather have the app store download tied up to touch ID then having my paypal account (ideally i'd like both, just not with paypal but with my credit card that is already on file with apple) since I download more apps in a month then buy or sell products using paypal.



Because apple is not in the PAYMENTS business and PAYPAL is. You can compare the two when apple actually gets into that business which would be soon in my opinion. All of apple's sales come from selling through its own stores, this is not your traditional PAYMENTS setup which apple is looking to get into (as is being speculated)

Apple has plenty of time to get things RIGHT (they usually take their time)..By the launch of the iPhone 6 over a 100 million 5S's would have been sold (roughly)...If apple launches the iPad with Touch ID you could well have close to 300 million Touch-ID devices by late 2015. Given IOS's marketshare in online shopping and the dollar amount spent by IOS users thats a huge market that PAYMENTS can tap into. I predict WWDC as the launch of Payments, others predict later (Like a mid IOS8.1 launch like carplay) but one thing is sure, apple will rake up a huge ammount of T-ID enabled devices within 2 years of introducing the capability if they bring it to their tablet family later this year.



Google wants to be through WALLETS not through paypal. If you think google's ambitions are smaller than paypal you are very much mistaken. Google wishes to (and will) become a much larger player in payments compared to paypal. In fact i don't see much future for paypal given apple, google and amazon's interest in "payments".
LOL....even when proven wrong you still spew nonsense.......
Of course PayPal is a payment business. was that in dispute at all!! What better partnership for a mobile device leader with anew fingerprints scanner than to partner with the number 1 mobile payment company. Who did Apple partner with? Who cares how many TouchIDs devices there will be? They are still tied to a closed ecosystem designed to channel customers to Apple's content channel to drive profits....not to offer choices and flexibility for their customers......
 

vomhorizon

macrumors 6502a
Sep 24, 2013
952
68
LOL....even when proven wrong you still spew nonsense.......

Just show me where I said that apple users do not use Paypal. I insist!

Of course PayPal is a payment business. was that in dispute at all!!

What you were trying to do was compare apple's store revenue with paypal in a context of PAYMENTS when they are 2 different business. If and when apple decides to get into payments their revenue, sales and volume will change drastically. Thats just common sense.

What better partnership for a mobile device leader with anew fingerprints scanner than to partner with the number 1 mobile payment company.

No one is saying that Samsung did the wrong thing given their constraints (They do not have their own OS. They do not have their own eco-system)..Just like Samsung did the smart thing teaming up with Slacker for their radio..Is it the best possible approach from an eco-system point of view? Not really, Google and Apple (and perhaps amazon) are doing something that is tougher to execute, costs more in time and money and brings more benefit..I'm sure samsung will tap into whatever google is doing in the future.

As mentioned, apple's touch-ID partnerships have not been announced so we know nothing of what apple is working on. Thats how apple operates. In secrecy until its ready to launch.

Who cares how many TouchIDs devices there will be?

I bet paypal does..Their business it at serious stake given apple and google's growing interest in payments

They are still tied to a closed ecosystem designed to channel customers to Apple's content channel to drive profits..

So far touch - ID is..but its going to change as is being speculated and hinted by senior management. I guess samsung owners are less demanding, if they wish to sacrifice the simplicity of having one credit card on file handle everything for "choices" of having to have a profile with multiple sources and retailers and have their OEM tie up with them so that they can access their profile through the fingerprint sensor. If apple rolled out something that was this half baked you'd have another MAPS fiasco..

not to offer choices and flexibility for their customers...

I can see the advantage of having to set up an account at 10 different retailers (or be slaved to paypal) in addition to google just for the sale of CHOICE..Love that rationale! Dish out your credit card info to all your vendors, hope they either pick paypal or do a deal with samsung so that samsung lets me access the profile with a finger print.
 

jamezr

macrumors P6
Aug 7, 2011
16,081
19,081
US
Just show me where I said that apple users do not use Paypal. I insist!



What you were trying to do was compare apple's store revenue with paypal in a context of PAYMENTS when they are 2 different business. If and when apple decides to get into payments their revenue, sales and volume will change drastically. Thats just common sense.



No one is saying that Samsung did the wrong thing given their constraints (They do not have their own OS. They do not have their own eco-system)..Just like Samsung did the smart thing teaming up with Slacker for their radio..Is it the best possible approach from an eco-system point of view? Not really, Google and Apple (and perhaps amazon) are doing something that is tougher to execute, costs more in time and money and brings more benefit..I'm sure samsung will tap into whatever google is doing in the future.

As mentioned, apple's touch-ID partnerships have not been announced so we know nothing of what apple is working on. Thats how apple operates. In secrecy until its ready to launch.



I bet paypal does..Their business it at serious stake given apple and google's growing interest in payments



So far touch - ID is..but its going to change as is being speculated and hinted by senior management. I guess samsung owners are less demanding, if they wish to sacrifice the simplicity of having one credit card on file handle everything for "choices" of having to have a profile with multiple sources and retailers and have their OEM tie up with them so that they can access their profile through the fingerprint sensor. If apple rolled out something that was this half baked you'd have another MAPS fiasco..



I can see the advantage of having to set up an account at 10 different retailers (or be slaved to paypal) in addition to google just for the sale of CHOICE..Love that rationale! Dish out your credit card info to all your vendors, hope they either pick paypal or do a deal with samsung so that samsung lets me access the profile with a finger print.
Please show how you know this? Or be slaved to Apple!
 

vomhorizon

macrumors 6502a
Sep 24, 2013
952
68
Please show how you know this? Or be slaved to Apple!

Its called common sense. Does Samsung have your credit card on file? Who has the credit card that you use to execute a paypal payment with? PAYPAL. So you have two choices, either get onboard paypal and hope it becomes the gold standard despite of BIG players entering the INFANT market..or you continue to do what everyone else does i.e. Have a profile with zappos, have a profile with macy's, have a profile with amazon, have a profile with target, have a profile with wal-mart etc ( this is what i do with my ipad ) etc and hope that Samsung ties up with these vendors further down the road. You'd still need to maintain different profiles or set up new ones since NO single ENTITY has your credit card on file that takes care of that.

Thats why the entire PAYPAL things is not significant from the "greater" payments market point of view. Your best bets would be to see what APPLE and GOOGLE are doing as these companies have both the ability to come up with a solution and have an operating system in the back end that can tap into online payments. Here apple has a significant advantage since its Eco system (just ios, not counting Mac) outspends android's eco system by nearly 5 times and the fact that it enjoys 100% control over its Hardware-software interface.

If you look at the PAYMENTS and the way online and ofline payments are headed you'll see that 5 years down the road you'd have APPLE , GOOGLE, and AMAZON..its tough to survive once players with dedicated eco-systems start to come into this business and paypal will soon realize this. This is one of the reasons why institutional investors were urging ebay to spin off paypal..with staples, google, apple and even walmart surpassing ebay in terms of online sales. This is also why 300 million (my estimate) Touch ID devices by end of 2015 is "significant" from paypalls point of view. If 300 million customers, all of whom have accounts "ready-to-go" with apple are given the option of one touch (TID) purchases which side do you think retailers will lean on? Thats the battle going on behind closed doors now and this is the reason why I feel Samsung has backed the wrong horse. I am sure a year or more down the line Samsung would re-align with google when google either does some major acquisition in payments or significantly ups its investment in this domain. The entire Paypal thing is insignificant in my opinion given what is to come..

Cook reported a favorable public response to the existing functionality offered by Touch ID, stating, "we're seeing that people love being able to buy content, whether it's music or movies or books, from their iPhone, using Touch ID." He described the ability to verify iTunes purchases via Touch ID as "incredibly simple and easy and elegant."

And while he was quick to note that Apple currently has nothing specific to announce about the future features of Touch ID, he did state that "it's clear that there's a lot of opportunity there" in mobile payments.


https://forums.macrumors.com/threads/1701887/


Worth a read:

http://www.fool.com/investing/general/2014/02/14/could-apples-mobile-payments-disrupt-paypal.aspx


On a lighter note : Here is what apple users had to say about the prospect of apple tying up with Paypal..(if reports are to be believed its paypal that is interested in apple probably realizing what the ioS ecosystem can deliver if and when it decides to enter paypal's business..)

https://forums.macrumors.com/threads/1701887/
 
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jamezr

macrumors P6
Aug 7, 2011
16,081
19,081
US
Its called common sense. Does Samsung have your credit card on file? Who has the credit card that you use to execute a paypal payment with? PAYPAL. So you have two choices, either get onboard paypal and hope it becomes the gold standard despite of BIG players entering the INFANT market..or you continue to do what everyone else does i.e. Have a profile with zappos, have a profile with macy's, have a profile with amazon, have a profile with target, have a profile with wal-mart etc ( this is what i do with my ipad ) etc and hope that Samsung ties up with these vendors further down the road. You'd still need to maintain different profiles or set up new ones since NO single ENTITY has your credit card on file that takes care of that.

Thats why the entire PAYPAL things is not significant from the "greater" payments market point of view. Your best bets would be to see what APPLE and GOOGLE are doing as these companies have both the ability to come up with a solution and have an operating system in the back end that can tap into online payments. Here apple has a significant advantage since its Eco system (just ios, not counting Mac) outspends android's eco system by nearly 5 times and the fact that it enjoys 100% control over its Hardware-software interface.

If you look at the PAYMENTS and the way online and ofline payments are headed you'll see that 5 years down the road you'd have APPLE , GOOGLE, and AMAZON..its tough to survive once players with dedicated eco-systems start to come into this business and paypal will soon realize this. This is one of the reasons why institutional investors were urging ebay to spin off paypal..with staples, google, apple and even walmart surpassing ebay in terms of online sales. This is also why 300 million (my estimate) Touch ID devices by end of 2015 is "significant" from paypalls point of view. If 300 million customers, all of whom have accounts "ready-to-go" with apple are given the option of one touch (TID) purchases which side do you think retailers will lean on? Thats the battle going on behind closed doors now and this is the reason why I feel Samsung has backed the wrong horse. I am sure a year or more down the line Samsung would re-align with google when google either does some major acquisition in payments or significantly ups its investment in this domain. The entire Paypal thing is insignificant in my opinion given what is to come..

Cook reported a favorable public response to the existing functionality offered by Touch ID, stating, "we're seeing that people love being able to buy content, whether it's music or movies or books, from their iPhone, using Touch ID." He described the ability to verify iTunes purchases via Touch ID as "incredibly simple and easy and elegant."

And while he was quick to note that Apple currently has nothing specific to announce about the future features of Touch ID, he did state that "it's clear that there's a lot of opportunity there" in mobile payments.


https://forums.macrumors.com/threads/1701887/


Worth a read:

http://www.fool.com/investing/general/2014/02/14/could-apples-mobile-payments-disrupt-paypal.aspx


On a lighter note : Here is what apple users had to say about the prospect of apple tying up with Paypal..(if reports are to be believed its paypal that is interested in apple probably realizing what the ioS ecosystem can deliver if and when it decides to enter paypal's business..)

https://forums.macrumors.com/threads/1701887/[/B]

Did you expect Apple users to say something different? Given they know Samsung partnered with PayPal?
 

vomhorizon

macrumors 6502a
Sep 24, 2013
952
68
Did you expect Apple users to say something different? Given they know Samsung partnered with PayPal?

Did you bother to look at the fact that the thread and apple user's comments came much before Samsung launched the S5 (almost a month earlier) or its plan to partner with Paypal.
 

jrswizzle

macrumors 603
Aug 23, 2012
6,107
129
McKinney, TX
Is anyone else even reading all this? :p


I am. Vom makes some great points about how Apple probably will attack the payments industry.

And it's hilarious watching Jamezr completely ignore whatever Vom says while repeating the same points. I don't think Jamezr is doing it on purpose - just don't think he's understanding. Either that or he's trolling because he's not making a lot of sense and completely missing big chunks of what Vom posts.

Anyhow - I'll continue to prefer Apple's implementations and plan for these types of things. Can't wait for a TouchID enabled iPad retina mini.
 

vomhorizon

macrumors 6502a
Sep 24, 2013
952
68
I am. Vom makes some great points about how Apple probably will attack the payments industry.

And it's hilarious watching Jamezr completely ignore whatever Vom says while repeating the same points. I don't think Jamezr is doing it on purpose - just don't think he's understanding. Either that or he's trolling because he's not making a lot of sense and completely missing big chunks of what Vom posts.

Anyhow - I'll continue to prefer Apple's implementations and plan for these types of things. Can't wait for a TouchID enabled iPad retina mini.

The main point is that their is a "battle of eco-systems" and most in the industry see a Samsung-Paypal tie up as fairly insignicant when it comes to the broader industry trend. Samsung is slaved to google and eventually will have to piggy back on google wallet. Their chairman was quite categorical about them having to step up and innovate in software (and just not hardware). Android is the KING and Samsung has no option but to rely on google for a OS. Milk was another effort for them to go out tie with an established partner and try to spin of a "service" for its user base (but only for the galaxy device not for the gazillion other samsung products/smartphones)..Want to bet that a MILK MUSIC festival will be announced soon to show Samsung's love for music:D ..Milk is the next big thing in Music, Milk-Music-Festival would be the next next big thing in music..Mark my words ! I see this as a half baked attempt to come off as developing a unique eco-system for its customers but samsung is taking the "easier" route by working with established players..Its a decent strategy if you are only looking to be as good as the average industry player..(Slacker had what a 2% market share)..but not when you want to offer the best "services" with your product as apple and google are trying to do.
 
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Savor

Suspended
Jun 18, 2010
3,742
918
My experiences with Samsung products has been hit or miss. First Samsung product I ever bought was a DVD-R player back in 2006. Had no instruction manual. Didn't work at first. Then when it did and I was able to record TV shows on it, the DVD-R disc would play horribly on a different dvd player. It only was clear when played on that Samsung player.

My Samsung mini washing machine is OK. It doesn't clean that thoroughly. The only product I ever liked from Samsung was the Samsung Focus but that a plastic, scratch prone, flimsy rear panel. Nothing like its European cousin, the Omnia 7. But this Samsung Galaxy Tab from 2010 given to me as a hand me down is growing on me. Never into tablets but starting to like it as a spare gadget to spare my phones' batt. Poor TFT screen with washed out colors, laughable 170ppi, single core, and GPU is ancient for newer games. But this first gen Tab from Verizon does have good battery life and decent sounds. Even the Wi-Fi "n" browsing is fast and maintains a strong Wi-Fi connection. Not bad for a near 4-year old model. And my unrooted customizations on it makes it look and feel cool to use.

Samsung is not a bad brand. Just hit or miss because they tend to release alot of products in alot of areas. All our smartphones even Apple, HTC, or Sony uses a Samsung component in some way or form. Our internal storage capacity is generally made from Samsung. Apple obviously uses them for the SoC.
 

vomhorizon

macrumors 6502a
Sep 24, 2013
952
68
My experiences with Samsung products has been hit or miss. First Samsung product I ever bought was a DVD-R player back in 2006. Had no instruction manual. Didn't work at first. Then when it did and I was able to record TV shows on it, the DVD-R disc would play horribly on a different dvd player. It only was clear when played on that Samsung player.

My Samsung mini washing machine is OK. It doesn't clean that thoroughly. The only product I ever liked from Samsung was the Samsung Focus but that a plastic, scratch prone, flimsy rear panel. Nothing like its European cousin, the Omnia 7. But this Samsung Galaxy Tab from 2010 given to me as a hand me down is growing on me. Never into tablets but starting to like it as a spare gadget to spare my phones' batt. Poor TFT screen with washed out colors, laughable 170ppi, single core, and GPU is ancient for newer games. But this first gen Tab from Verizon does have good battery life and decent sounds. Even the Wi-Fi "n" browsing is fast and maintains a strong Wi-Fi connection. Not bad for a near 4-year old model. And my unrooted customizations on it makes it look and feel cool to use.

Samsung is not a bad brand. Just hit or miss because they tend to release alot of products in alot of areas. All our smartphones even Apple, HTC, or Sony uses a Samsung component in some way or form. Our internal storage capacity is generally made from Samsung. Apple obviously uses them for the SoC.

There are things samsung does very well. As mentioned by yourself, Samsung makes the A series processors for apple (apple still designs them)..Their Chip production is as effecieint as any you'll find anywhere in the world or so I am told. But honestly is this why you buy a mobile phone? Do LG owners choose LG because of the quality of its RAM or internals? Do samsung owners buy samsung because their Hard disk is awesome? (Even samsung uses Qualcomm chips for their flagships)..Its increasingly getting to eco-systems and services as all (including samsung) line up to offer an eco-system that adds value to the product. Apple just has everything done from scratch and many things that were pioneers in shaping the industry (itunes)..Its funny to see people diss apple's eco system while at the same time cheering on samsung's efforts to replicate the same (MILK)..
 

Fanaticalism

macrumors 6502a
Apr 16, 2013
908
158
Users do use touch-ID apple purchases while android users using the galaxy S5 won't be able to use their fingerprint sensor for even that. How many apps do apple users download?

The fingerprint sensor in the app store makes sense as you need to input your password for every app, regardless if it is free or not. The play store only requires a password if you there is a cost associated with the app or in-app purchases.

I guess it all depends on an individuals usage.
 

vomhorizon

macrumors 6502a
Sep 24, 2013
952
68
The fingerprint sensor in the app store makes sense as you need to input your password for every app, regardless if it is free or not. The play store only requires a password if you there is a cost associated with the app or in-app purchases.

I guess it all depends on an individuals usage.

Yes it does..I've downloaded about a dozen paid apps on my nexus 5 in the last few days :)
 

jamezr

macrumors P6
Aug 7, 2011
16,081
19,081
US
I am. Vom makes some great points about how Apple probably will attack the payments industry.

And it's hilarious watching Jamezr completely ignore whatever Vom says while repeating the same points. I don't think Jamezr is doing it on purpose - just don't think he's understanding. Either that or he's trolling because he's not making a lot of sense and completely missing big chunks of what Vom posts.

Anyhow - I'll continue to prefer Apple's implementations and plan for these types of things. Can't wait for a TouchID enabled iPad retina mini.
No...i just got tired of repeating myself and reading the endless dribble. Every time i proved him wrong his POV changed.....
 

Savor

Suspended
Jun 18, 2010
3,742
918
I grew up as a 80's and 90's kid/teen so my way of thinking of electronics was that the Japanese was always the best at it. I grew up on Nintendo, Sega, Sony, Sharp, and Panasonic products. Hondas and Toyotas. I saw movies where it seem Japanese was going take over US. Michael Keaton in Gung Ho had Japanese portrayed as fitness freaks and workaholics and Americans as fat and lazy. My way of thinking was Korean counterparts like Hyundai were always inferior to Japanese. Then something weird happened in the 00's. I started like Hyundai Sonatas after renting one day. And I loathed at Hyundais and Kias back then. I started noticing HDTV were generally made by Koreans. The mp3 player they invented had solid releases from Samsung, Cowon, and iRiver. Now the smartphone market leader is Korean and #3 is Korean (LG). K-Pop influences and telesere aside, I realized Koreans started getting good at alot of things.

My take on Samsung is this. They are like the Sony of electronics back then without the eye for detail or sense of style that both Sony and Apple have. On one hand, Samsung can be one of the most innovative companies in the world. Brilliant at times. Smart Window, Smart TVs, flexible screens, air gestures, heart sensor, S-Pen, medical equipments, SoC, DDR, Galaxy Camera, etc. And Samsung is far more charitable than Apple. I see Apple using their billions to build better manufacturing equipment and solicit their iTunes users for charity to give to the Red Cross. Samsung is more generous using their OWN money for natural disasters. On the other hand, Samsung have a copycat, me too attitude. Same generic designs. Ugly software. Half baked gimmicky features. Guinea pigs of features that we wait for Apple to refine them. Love them or hate them. That is the name of the game for both Samsung or Apple and whatever philosophy people believe in more.
 

jamezr

macrumors P6
Aug 7, 2011
16,081
19,081
US
LOL..I'm still waiting to see where exactly i posted that ios users do not use Paypal.
That BS and you know it....you down played the fact the Samsung partnered with PayPal insinuating that Apple users don't use PayPal anyway because they use iTunes. Then when I showed you how PayPal has more mobile sales than Apple even with Apples desktop and mobile payments combined....you changed your POV then tried to change the focus to Apples ecosystem. When all along this whole argument with you started with Samsung's fingerprint scanner. You and others tried to tout how great TouchID is...well it is not. As others here and myself have pointer out it does not work that well. At least Samsung adopted a well know and supported standard (FIDO). At launch they partnered with PayPal the industry leader in mobile payments. What has Apple done with TouchID? Then you bring up a vague Cook reference to we are looking into it...... Yeah so what! Samsung still beat you to it at launch to give their customer s better experience.
Every time i prove you wrong you go back to the Apple ecosystem. Well...Apple has a better ecosystem than anyone else...no doubt about it. But that was never part of the argument between fingerprint scanners........and that was the topic of this thread.
 
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