Sorry to have to ask this question here, but I'm having trouble finding the answer via search engines, and even Apple.

My question is concerning Apple Pay, for you Apple users. When sending money via Apple Pay, does the recipient have to have an Apple account? My mom has and iPhone, and I have an Android, hence the reason for the question. The solution seems simple. Simply use Google Pay on both iOS and Android devices. However, I'm assuming Apple Pay will integrate better with the iOS environment.

---
■ Synchronet ■ Frugal Computing BBS - frugalbbs.com

CHAI wrote to ALL <=-

My question is concerning Apple Pay, for you Apple users. When sending money via Apple Pay, does the recipient have to have an Apple account?
My mom has and iPhone, and I have an Android, hence the reason for the question. The solution seems simple. Simply use Google Pay on both
iOS and Android devices. However, I'm assuming Apple Pay will integrate better with the iOS environment.

Or better and easier still, use PayPal :)

... As a computer, I find your faith in technology amusing.
--- MultiMail/OS2 v0.51
■ wcQWK 7.0 ≈ Omicron Theta * Southaven MS * winserver.org

Re: Re: Apple Pay
By: ROBERT WOLFE to CHAI on Sat Oct 06 2018 08:36 am

My mom has and iPhone, and I have an Android, hence the reason for the question. The solution seems simple. Simply use Google Pay on both iOS and Android devices. However, I'm assuming Apple Pay will integrate better with the iOS environment.

Or better and easier still, use PayPal :)

paypal is a crooked company. i'd rather use google pay.
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■ Synchronet ■ ::: BBSES.info - free BBS services :::

ROBERT WOLFE wrote to CHAI <=-

Or better and easier still, use PayPal :)

That's what we ended up doing. Two factor on PayPal still uses SMS. I
was concerned that it would be too much of a hassle for her, as she's
not patient with technology. It sounds silly that copying a code from SMS
to the PayPal app would be enough to annoy her, but it could. She didn't
seem to be bothered with the process, however.

PayPal does offer TOTP, but you have to use a login on something called BrainTree or BrainSpark. I can't remember. Anyway, it's not working, as
with many things PayPal does. It allows the usage of Authy (via Brain), but I'm
not certain if it supports the one touch auth, and as I said, it doesn't work. As long as she's ok with copying an SMS over, PayPal will be just fine.

... If Apple made cars, would it have Windows?
--- MultiMail/Linux v0.51
■ Synchronet ■ Frugal Computing BBS - frugalbbs.com

Re: Re: Apple Pay
By: Chai to ROBERT WOLFE on Sun Oct 07 2018 23:00:00

Or better and easier still, use PayPal :)

That's what we ended up doing. Two factor on PayPal still uses SMS. I
was concerned that it would be too much of a hassle for her, as she's
not patient with technology. It sounds silly that copying a code from SMS to the PayPal app would be enough to annoy her, but it could. She didn't seem to be bothered with the process, however.

When did PayPal started to provide 2FA? I remember when I started to move to 2FA a couple of years ago, PayPal didn't have 2FA then; which was dumb, if you ask me: my bank already implemented 2FA while PayPal didn't.

-jag
Code it, Script it, Automate it!

---
■ Synchronet ■ MtlGeek - Geeks in Montreal - http://mtlgeek.com/ -

Re: Re: Apple Pay
By: MRO to ROBERT WOLFE on Sun Oct 07 2018 11:26 am

paypal is a crooked company. i'd rather use google pay.

You don't think Google is a crooked company? I've been getting more and more suspicious of Google all the time.

Nightfox

Re: Apple Pay
By: Chai to All on Sat Oct 06 2018 01:33 am

My question is concerning Apple Pay, for you Apple users. When sending money via Apple Pay, does the recipient have to have an Apple account? My

I don't use Apple Pay, but I don't think the recipient has to have an Apple Pay account, at least not for all things. I've seen stores and restaurants that accept Apple Pay, and I doubt they have an Apple Pay account (though I could be wrong). I thought it was similar to paying via credit card, but where you tap your phone on the device and it sends your payment info.

Nightfox

Re: Re: Apple Pay
By: Nightfox to MRO on Mon Oct 08 2018 09:20 am

Re: Re: Apple Pay
By: MRO to ROBERT WOLFE on Sun Oct 07 2018 11:26 am

paypal is a crooked company. i'd rather use google pay.

You don't think Google is a crooked company? I've been getting more and more suspicious of Google all the time.

yeah google is crooked.
but paypal has done things like hold people's earnings so they can make interest off of it. there's a lot of people that got screwed by paypal.

i really love google pay. it's so easy and there's no fees and it sends really fast to my bank account.
if they piss me off i'll ditch them too.


bbs factiod: the guy who made the bbs doorgame bre and sre came up with the google catch phrase 'don't be evil'
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■ Synchronet ■ ::: BBSES.info - free BBS services :::

Jagossel wrote to Chai <=-

When did PayPal started to provide 2FA? I remember when I started to
move to 2FA a couple of years ago, PayPal didn't have 2FA then; which
was dumb, if you ask me: my bank already implemented 2FA while PayPal didn't.

I've had it for awhile now. Initially, you had to get an SMS code for each individual payment, which was a pain. I don't know if it is still that way or not. I remember turning SMS-2FA on for a relative, and she complained about having to enter an SMS code for the 10 ebay transactions she was making consecutively.

Now, it seems that it asks me for an SMS code when I login. I only typically make one transaction per login, so I cannot say for sure, but I think it may
be a single authentication per login of an unspecified time.

I see articles about PayPal's 2FA going back to 2013. So, I know it is at least 5 years old. As for TOTP support, I do not think they have that working fully at the moment. It's either that, or there's an issue with my specific account that's keeping it from working properly.



--- MultiMail/Linux v0.51
■ Synchronet ■ Frugal Computing BBS - frugalbbs.com

Nightfox wrote to Chai <=-

I don't use Apple Pay, but I don't think the recipient has to have an Apple Pay account, at least not for all things. I've seen stores and restaurants that accept Apple Pay, and I doubt they have an Apple Pay account (though I could be wrong). I thought it was similar to paying
via credit card, but where you tap your phone on the device and it
sends your payment info.

For vendors, yes. I think the peer to peer transactions are a little different.
It's interesting, because I can basically send a friend cash just like sending a text message, albeit with authentication. They actually build it into iMessage (Android Messages, for Android phones with Google Pay).
I'm going to jump on Wikipedia and YouTube here in a bit, to see if I can find more information.

The tap to pay function is present on phones with NFC chips and is mainly used for checkouts with vendors. The peer to peer payments can be performed on phones without NFC (at least, with Google Pay), and sent over SMS, E-Mail, etc. It's a convenient way to split up restaurant bills or pay some buddy you owe money too. The biggest hurdle I'm up against, is most people don't want anything beyond PayPal having access to their financial accounts. I've yet to come across anyone that I know that is using anything beyond PayPal.
So, I can adopt the technology on my phone, but I haven't developed a use case for it yet.



... If Apple made cars, would it have Windows?
--- MultiMail/Linux v0.51
■ Synchronet ■ Frugal Computing BBS - frugalbbs.com

Nightfox wrote to MRO <=-

paypal is a crooked company. i'd rather use google pay.

You don't think Google is a crooked company? I've been getting more
and more suspicious of Google all the time.

They certainly are now. I was cussing at my Google Home today. They've disabled about 80% of its functionality, because I have web history and location history turned off. To get my Google Home back to full functionality, I have to enable their "spyware" features. I turned those features off for
a reason.

If my account were to be hacked, location history gives an attacker insight to every place I go. As for web history, we went decades serving people ads without spying on them. I don't see why we need to do that now. Stick a Coca-Cola logo on my Google Chrome interface, but don't serve me ads based
on where I had lunch today. Just because the information is benign, doesn't give them the right to do it. I hope Congress puts a stop to that.



... If Apple made cars, would it have Windows?
--- MultiMail/Linux v0.51
■ Synchronet ■ Frugal Computing BBS - frugalbbs.com

Re: Re: Apple Pay
By: Chai to Nightfox on Tue Oct 09 2018 12:26 am

They certainly are now. I was cussing at my Google Home today. They've disabled about 80% of its functionality, because I have web history and location history turned off. To get my Google Home back to full functionality, I have to enable their "spyware" features. I turned those features off for a reason.

Yeah, I have my Google location history turned off. I have an Amazon Echo at home, which I think is similar to Google Home. At least Amazon doesn't seem to have a location history feature..

If my account were to be hacked, location history gives an attacker insight to every place I go. As for web history, we went decades serving people ads without spying on them. I don't see why we need to do that now.

Maybe just 2 decades? ;) The web isn't that old..

Stick a Coca-Cola logo on my Google Chrome interface, but don't serve me ads based on where I had lunch today. Just because the information is benign, doesn't give them the right to do it. I hope Congress puts a stop to that.

Yeah, I don't think there needs to be spying to serve ads.

Nightfox

Nightfox wrote to Chai <=-

If my account were to be hacked, location history gives an attacker insight to every place I go. As for web history, we went decades serving people ads without spying on them. I don't see why we need to do that now.

Maybe just 2 decades? ;) The web isn't that old..

Oh, I meant that in the field of advertising, the business has gone on for decades without the need to spy on people (pre-Internet). They were able to make money in advertising using generic ads before we had the Internet,
and I think they can do it now. I'm somewhat comparing apples to oranges, but I'm comparing old school TV show advertising (Red Skelton Show) to today's electronic advertising infrastructure. It does take more advertising revenue for the services we receive today, but I do not think that means we have to have targeted advertising.

It's not all Google's fault. Their ad customers are the one's demanding access to this information.


--- MultiMail/Linux v0.51
■ Synchronet ■ Frugal Computing BBS - frugalbbs.com

Re: Re: Apple Pay
By: Chai to Nightfox on Tue Oct 09 2018 12:01 pm

It's not all Google's fault. Their ad customers are the one's demanding access to this information.

Google could say 'no'. But honestly, Google and the others are competing for the ad dollars and do so by offering more and more "targetted advertising" - mean the ad buyers can (theoretically) get more bang for their buck. It is absolutely Google's (and Facebook's) fault.

digital man

This Is Spinal Tap quote #2:
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Re: Re: Apple Pay
By: Chai to Nightfox on Tue Oct 09 2018 12:01 pm

Oh, I meant that in the field of advertising, the business has gone on for decades without the need to spy on people (pre-Internet). They were able to make money in advertising using generic ads before we had the Internet,

It's not all Google's fault. Their ad customers are the one's demanding access to this information.

Yeah, marketing is all about showing ads as effectively as possible, and they'll want to get information about their possible customers if they can so they can show them ads they think are the most relevant to them. Not that I think they really need to..

This reminds me of when I heard not too long ago that people were suspicious that Facebook was using the microphone to record their conversations, because some people were reporting that it seemed they would just mention a product or company in conversation and Facebook would show them ads for that.

Nightfox

Re: Re: Apple Pay
By: Nightfox to Chai on Tue Oct 09 2018 11:55 am

This reminds me of when I heard not too long ago that people were suspicious that Facebook was using the microphone to record their conversations, because some people were reporting that it seemed they would just mention a product or company in conversation and Facebook would show them ads for that.

And Facebook didn't deny it - they said they weren't listening *without permission*. I've worked for/with these companies, if you have some information to use/sell, they can't resist using/selling it and ask for forgiveness later.

digital man

Synchronet/BBS Terminology Definition #7:
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On 10-09-18 12:01, Chai wrote to Nightfox <=-

Oh, I meant that in the field of advertising, the business has gone on
for decades without the need to spy on people (pre-Internet). They
were able to make money in advertising using generic ads before we had
the Internet, and I think they can do it now. I'm somewhat comparing apples to oranges, but I'm comparing old school TV show advertising
(Red Skelton Show) to today's electronic advertising infrastructure.
It does take more advertising revenue for the services we receive
today, but I do not think that means we have to have targeted
advertising.

And I'm not sure how effective it is. Certainly isn't with me. I only respond to ads when my needs and what the advertiser is offering line up. Last time I responded to an ad was a week ago, and it happened to be an old fashioned ad on free to air TV that offered a product I had a specific need for. It's the only ad I remembered all tha day.

It's not all Google's fault. Their ad customers are the one's
demanding access to this information.

My experience with so-called targeted ads is they're no more interesting than regular, random ads.


... If you can't laugh at yourself, make fun of other people.
--- MultiMail/Win v0.51
■ Synchronet ■ Freeway BBS, Bendigo Australia. freeway.apana.org.au

Nightfox wrote to Chai <=-

Yeah, marketing is all about showing ads as effectively as possible,
and they'll want to get information about their possible customers if
they can so they can show them ads they think are the most relevant to them. Not that I think they really need to..

I wonder how effective their system really is though. If I buy an Arduino on Amazon, I get ads for Arduino's on just about everything I visit.
I think I'd be more likely to buy a gadget that I may not even know exists, not

more of the same.

I have no idea what system would be a better replacement, but I hope they find one.

This reminds me of when I heard not too long ago that people were suspicious that Facebook was using the microphone to record their conversations, because some people were reporting that it seemed they would just mention a product or company in conversation and Facebook
would show them ads for that.

Honestly, that does not surprise me. I've often wondered the same about my Google Home, although I've seen no evidence of it doing that for anything
other than what I say after a wake word. I'm tempted to gift the thing.


--- MultiMail/Linux v0.51
■ Synchronet ■ Frugal Computing BBS - frugalbbs.com

Digital Man wrote to Chai <=-

Re: Re: Apple Pay
By: Chai to Nightfox on Tue Oct 09 2018 12:01 pm

Google could say 'no'. But honestly, Google and the others are
competing for the ad dollars and do so by offering more and more "targetted advertising" - mean the ad buyers can (theoretically) get
more bang for their buck. It is absolutely Google's (and Facebook's) fault.

Google kind of wastes money. They could increase revenue simply by putting a stop to all the dead end projects that they end up killing.

I'm reading now that there was a bug that caused a leak in Google+ profiles. Gender, birthdays, E-mail addresses.

What's worse is they tried to cover it up.

--- MultiMail/Linux v0.51
■ Synchronet ■ Frugal Computing BBS - frugalbbs.com

Re: Re: Apple Pay
By: Chai to Nightfox on Tue Oct 09 2018 12:26 am

If my account were to be hacked, location history gives an attacker insight to every place I go. As for web history, we went decades serving people ads without spying on them. I don't see why we need to do that now. Stick a Coca-Cola logo on my Google Chrome interface, but don't serve me ads based
on where I had lunch today. Just because the information is benign, doesn't give them the right to do it. I hope Congress puts a stop to that.

another thing that freaked me out is i have a walmart account where i buy 1-2 things online a year. they track my credit number purchases each week at
the actual local store and i can view them online!
---
■ Synchronet ■ ::: BBSES.info - free BBS services :::

Re: Re: Apple Pay
By: Chai to Digital Man on Tue Oct 09 2018 09:46 pm

I'm reading now that there was a bug that caused a leak in Google+ profiles. Gender, birthdays, E-mail addresses.

good thing i dont go for that g+ shit
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■ Synchronet ■ ::: BBSES.info - free BBS services :::

Re: Re: Apple Pay
By: MRO to Chai on Tue Oct 09 2018 11:32 pm

good thing i dont go for that g+ shit

Not many people did. Still, I have a google/youtube/gmail account, so who knows: my birthdate might've been leaked!!!

digital man

Synchronet "Real Fact" #84:
The Electronic Frontier Foundation used to run Synchronet (circa 1993).
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Re: Re: Apple Pay
By: Chai to Nightfox on Tue Oct 09 2018 21:34:00

This reminds me of when I heard not too long ago that people were suspicious that Facebook was using the microphone to record their conversations, because some people were reporting that it seemed they would just mention a product or company in conversation and Facebook would show them ads for that.

Honestly, that does not surprise me. I've often wondered the same about my Google Home, although I've seen no evidence of it doing that for anything other than what I say after a wake word. I'm tempted to gift the thing.

I have heard that Amazon's Alexa does, and Amazon is transparent about it. They claim Alexa is recording conversations just for quality purposes only: improvement in the speech recognation. Honestly, I would not be surprised if Google Home/Assistant is doing the same thing.

-jag
Code it, Script it, Automate it!

---
■ Synchronet ■ MtlGeek - Geeks in Montreal - http://mtlgeek.com/ -

Re: Re: Apple Pay
By: Chai to Nightfox on Tue Oct 09 2018 09:34 pm

I wonder how effective their system really is though. If I buy an Arduino on Amazon, I get ads for Arduino's on just about everything I visit.
I think I'd be more likely to buy a gadget that I may not even know exists, not
more of the same.

Yeah, I think it's funny when I start getting ads for something I've already bought.

Nightfox

Re: Re: Apple Pay
By: Chai to Digital Man on Tue Oct 09 2018 09:46 pm

Google kind of wastes money. They could increase revenue simply by putting a stop to all the dead end projects that they end up killing.

I'm reading now that there was a bug that caused a leak in Google+ profiles. Gender, birthdays, E-mail addresses.

Yeah, and I've read that Google is discontinuing Google+. Aside from wasting money, it sucks to work on a project that ends up being canceled and goes nowhere.. At least things like Google+ and Google Wave were public for some amount of time, so people know about them.

Nightfox

Re: Re: Apple Pay
By: MRO to Chai on Tue Oct 09 2018 09:55 pm

another thing that freaked me out is i have a walmart account where i buy 1-2 things online a year. they track my credit number purchases each week at the actual local store and i can view them online!

Reminds me of a coffee stand chain that we go to sometimes. They used to use stamp cards (like many coffee places do) so you can get a free coffee after buying 10, and a while ago they switched over to an electronic system and they ask for your phone number to put in the system so they can accrue your purchases for your free coffees. And they will sometimes link that with your credit card too.. I don't like having to ensure with them that they don't lik the phone number with my credit card in their system. I thought it was easier to just give them the stamp card and not have to share a phone number or anything.

It seems like everything is becoming more and more interconnected these days. It can make things convenient in some ways, but I don't like that they have more and more information about me.

Nightfox

Re: Re: Apple Pay
By: Jagossel to Chai on Wed Oct 10 2018 08:16 am

I have heard that Amazon's Alexa does, and Amazon is transparent about it. They claim Alexa is recording conversations just for quality purposes only: improvement in the speech recognation. Honestly, I would not be surprised if Google Home/Assistant is doing the same thing.

That makes me pretty nervous. It would have to be listening all the time anyway to be able to respond to its activation word.

In the 60s: "The government wants to wire tap my house!"
Today: "Hey wiretap, do you have a recipe for chocolate chip cookies?"

Nightfox

On 10-09-18 21:46, Chai wrote to Digital Man <=-

I'm reading now that there was a bug that caused a leak in Google+ profiles. Gender, birthdays, E-mail addresses.

What's worse is they tried to cover it up.

So much for "Do no evil". :/


... Book Title: Trails to the Outhouse - Will E. Makit
--- MultiMail/Win v0.51
■ Synchronet ■ Freeway BBS, Bendigo Australia. freeway.apana.org.au

MRO wrote to Chai <=-

another thing that freaked me out is i have a walmart account where i
buy 1-2 things online a year. they track my credit number purchases
each week at the actual local store and i can view them online!

Wal-Mart has long had an interest in tracking people via their credit card numbers. Target received some unwanted media attention for that some years ago, as well. Seems like it had something to do with a teen buying a pregnancy test, or something feminish. They were sending targeted snail mail ads based on what she was purchasing in the store.


--- MultiMail/Linux v0.51
■ Synchronet ■ Frugal Computing BBS - frugalbbs.com

MRO wrote to Chai <=-

good thing i dont go for that g+ shit

I made an account long ago, just to see what it was like. I wish I would
have deleted it.


--- MultiMail/Linux v0.51
■ Synchronet ■ Frugal Computing BBS - frugalbbs.com

Re: Re: Apple Pay
By: Chai to MRO on Wed Oct 10 2018 09:34 pm

MRO wrote to Chai <=-

another thing that freaked me out is i have a walmart account where i buy 1-2 things online a year. they track my credit number purchases each week at the actual local store and i can view them online!

Wal-Mart has long had an interest in tracking people via their credit card numbers. Target received some unwanted media attention for that some years ago, as well. Seems like it had something to do with a teen buying a pregnancy test, or something feminish. They were sending targeted snail mail ads based on what she was purchasing in the store.

Datalogix is a company that purchases spending habits from many stores. In fact, the wiki article states "The company's primary objective is to obtain and track offline and online data purchasing behavioral patterns, with the use of information obtained from retailers' loyalty card programs." They were recently aquired by Oracle.

The only reason I found out about this company was when I interviewed with them for a Software Developer position. I ended up doing some research on the company.

---
■ Synchronet ■ The Dawn of Demise (tdod.org:5000)

Re: Re: Apple Pay
By: Vk3jed to Chai on Thu Oct 11 2018 12:55 pm

I'm reading now that there was a bug that caused a leak in Google+
profiles. Gender, birthdays, E-mail addresses.

What's worse is they tried to cover it up.

So much for "Do no evil". :/

I heard Google doesn't use that slogan anymore.

Nightfox

Re: Re: Apple Pay
By: Chai to MRO on Wed Oct 10 2018 09:34 pm

numbers. Target received some unwanted media attention for that some years ago, as well. Seems like it had something to do with a teen buying a pregnancy test, or something feminish. They were sending targeted snail mail ads based on what she was purchasing in the store.

Target, sending "targeted" ads.. ;)

Nightfox

On 10-11-18 09:25, Nightfox wrote to Vk3jed <=-

So much for "Do no evil". :/

I heard Google doesn't use that slogan anymore.

I wonder why. ;)


... If the polls are so accurate, why are there so many polling companies?
--- MultiMail/Win v0.51
■ Synchronet ■ Freeway BBS, Bendigo Australia. freeway.apana.org.au

Re: Re: Apple Pay
By: Vk3jed to Nightfox on Fri Oct 12 2018 08:48 am

On 10-11-18 09:25, Nightfox wrote to Vk3jed <=-

So much for "Do no evil". :/

I heard Google doesn't use that slogan anymore.

I wonder why. ;)

My guess is because it was subjective and naive. I doubt that anyone at Google *thinks* what they're doing is evil. But public companies are legally required to put profits (share-holder value) above all else, and that results in behavior that many would consider "evil" or at least "not good". So, that clause, if they still had it, would contradict their legal obligation to their share-holders.

digital man

Synchronet "Real Fact" #26:
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---
■ Synchronet ■ Vertrauen ■ Home of Synchronet ■ [vert/cvs/bbs].synchro.net

Re: Re: Apple Pay
By: Digital Man to MRO on Tue Oct 09 2018 10:25 pm

Re: Re: Apple Pay
By: MRO to Chai on Tue Oct 09 2018 11:32 pm

good thing i dont go for that g+ shit

Not many people did. Still, I have a google/youtube/gmail account, so who knows: my birthdate might've been leaked!!!

i thought it was cool at first, but then google showed that it doesn't know anything about running a social network.

william shatner got his account locked for saying hi.

i have that info in my account but i think i use a bogus birthdate.
that is very WRONG that they didnt report it. they certainly do not operate with a sense of honesty anymore.
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■ Synchronet ■ ::: BBSES.info - free BBS services :::

Re: Re: Apple Pay
By: Nightfox to MRO on Wed Oct 10 2018 01:09 pm

a phone number or anything.

It seems like everything is becoming more and more interconnected these days. It can make things convenient in some ways, but I don't like that they have more and more information about me.

and if you used one of those genology sites, suprise! your info is shared with
the fbi and other agencies. they are able to track someone down to their 3rd cousin using that information.

only white people use those dumb sites, so they can only do it with 'european decent' , they say.
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■ Synchronet ■ ::: BBSES.info - free BBS services :::

Re: Re: Apple Pay
By: Chai to MRO on Wed Oct 10 2018 09:35 pm

MRO wrote to Chai <=-

good thing i dont go for that g+ shit

I made an account long ago, just to see what it was like. I wish I would have deleted it.

i disabled it. i dont know if that did anything.
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■ Synchronet ■ ::: BBSES.info - free BBS services :::

On 10-11-18 16:09, Digital Man wrote to Vk3jed <=-

I wonder why. ;)

My guess is because it was subjective and naive. I doubt that anyone at Google *thinks* what they're doing is evil. But public companies are legally required to put profits (share-holder value) above all else,
and that results in behavior that many would consider "evil" or at
least "not good". So, that clause, if they still had it, would
contradict their legal obligation to their share-holders.

You're right, though I knew that, hence the wink emoticon. :)


... This message has been UNIXized for your protection.
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