Doutor Coffee Shops added code payment options recently. The sticker next to the reader says all that you need to know: please have your payment app ready before paying. The downfall of code payments is always the network connection. Maybe network connection is weak, or tapped out, or whatever. Last week I was grocery shopping at a basement store location and noticed customers running from checkout to the bottom of the stairs, tapping their smartphone, then running back to the checkout. Bad network area.
This is all too common and a real pain now that every store chain and their dog has an app. Most checkout goes like this: the customer pulls up the store app for discounts and reward points, then pulls up PayPay, dBarai, Line or any other popular code payment and, finally pays. NFC was supposed to save us from slow plastic and paper coupon checkout, but in the digital wallet age we’re slow if not slower because the store location is in a crappy network area, inside a building with thick earthquake proofed concrete walls. Welcome to code payments in the real world 101.
As more companies transition work style away from daily commuting to a central office to telework with direct business trips from home, there is less need for commuter passes but that means more corporate virtual paperwork and paper trails for filing and processing transit expenses. How nice it would be if Mobile Suica had a plug-in for SF expense reporting. It does actually: SmartGo Staple a co-venture between JR East and NTT Communications.
The service is straightforward: for a ¥1,000 (w/VISA card option) or ¥600 (w/o) per Mobile ID monthly service fee, SmartGo Staple provides live Mobile Suica ID SF transaction data of registered accounts to corporate management and accounting, who then calculate and reimburse employee on the go, or teleworking at home for corporate related Mobile Suica use, reducing the paperwork at all levels. The flexibility of Mobile Suica and Suica App which discretely attaches a credit card to a Suica card, allows users to set up a Suica card just for corporate use with a corporate credit card attached. This is the idea behind the SmartGo Staple prepaid VISA card option which management can ‘recharge’ remotely.
It’s a service for the COVID era but the interesting thing is that with more people doing without commuter passes, Apple Pay Suica and Mobile Suica easily covers nationwide transit and payment use. Commuter passes are the only reason for all those Japanese Transit IC cards. One Mobile Suica does it all. There are still weak spots, i.e. non SF Suica ID # attached services like smartEX and Shinkansen eTickets. Using a transit card ID number to attach separate services is flexible but corralling all the separate transaction histories into one expense report is still a chore.
It’s that time of year again, to ponder the mysteries of Apple Pay, Wallet, PassKit and Core NFC in the next major iOS release. I wasn’t planning a list this year because all the things covered last year: UWB Touchless CarKey, QR Code Payments, etc., are still lurking in PassKit calls and internal beta test builds and have yet to see the light of day. And then there is App Clips, a solution that finally leverages the versatility of NFC tags and iPhone NFC with reader mode was the big WWDC20 story, but it didn’t come into focus either. Too many COVID distractions.
No, no, the only thing that mattered to users and developers was this: when will Apple do something about the Face ID with face mask problem? The eagerly awaited iOS 14.5 Unlock with Apple Watch feature will almost certainly be the most popular feature of iOS 15 too. There are some interesting new PassKit tidbits in iOS 14.5: PKRadioTechnology type properties for NFC and bluetooth, the later for UWB Touchless use. This is the same pattern we saw at the end of the iOS 13 cycle with PassKit Secure Element Pass references replacing NFC Certificate Pass.
So what’s on the slab for all things WWDC21 iOS 15 Apple Pay? I have no idea. UWB Touchless and QR payment support lurking in the background might see the light of day, App Clips might get some refinements. Nothing really new. So I asked readers what they wanted for iOS 15 Apple Pay and the answer was clear: a Wallet app reboot. I didn’t think much about it until I saw the list of China T-Union add card Wallet options for mainland China.
Wallet has a very simple rule: any card that loads a Java Card applet into the secure element has to reside in Wallet, the maximum number depends on how many Java Card applets it can hold at any one time. Any card or developer that wants to loads applets and use the secure element also has to have a PassKit NFC/Secure Element Certificate Pass. This is covered by NDA but a company called PassKit (not Apple) gives us an idea what Apple’s NFC/Secure Element Pass guidelines are:
Apple care a great deal about the user experience. Before granting NFC certificate access they will ensure that you have the necessary hardware, software and capabilities to develop or deploy an ecosystem that is going to deliver an experience consistent with their guidelines.
Yeah, the end to end user experience, the whole reason behind the success of Apple Pay. But the Apple Pay user experience has seriously declined in the Face ID with face mask era. The current Wallet with its card metaphor has reached a wall, stuffing digital ID and Code Payments into the mix along with non-secure element Wallet tickets, boarding passes and reward cards, all using same old card UI, will only break the user experience on top of the Face ID with face mask inflicted damage.
Even if Apple doesn’t add new functions to iOS 15 Apple Pay, they must lay groundwork for a new, flexible and far more useful next generation Wallet app, for adding, storing, configuring and most of all, using an even growing collection of payment cards, transit cards, CarKey, reward cards, passes and digital ID items. Anything to save us from the cacophony of payment services, apps and reward goodies chasing our money and slowing us down at checkout with finding, unlocking, displaying a reward code (if the WiFi connection is good, heaven help those waiting in line when it’s bad) and finally paying. Whew.
The whole point of Apple Pay Wallet was to free us from physical card clutter. After 7 years of Apple Pay and payment apps we have digital clutter that’s almost worse than the original problem that digital wallets and smartphones were supposed to free us from. Let’s get our eyeballs and attention spans back.
The new features that make up 2 in 1 Suica are called many things. JR East calls it ‘Next Generation Suica’ and ‘2 in 1 Region Affiliate Card’. Yanik Mangan came up with a great ‘All-in-one Suica’ moniker in his limitless possibilities podcast. I call it, and will continue to call it, Super Suica because I see wider Suica platform initiatives built off the new FeliCa OS features used for 2 in 1 • next generation Suica. It’s a looser, fuzzier platform evolution definition compared to Yanik’s tighter all-in-one card solution focused one.
That doesn’t mean that Super Suica or all-in-one Suica will ever happen they way we envision it, but at least we have some convenient handles to discuss and categorize ongoing developments until something official comes along.
This is a list of announcements, launches and posts related to Super Suica as a platform. Announcements are italic with links to JR Group PR releases, launches are bold, color classifications are as follows:
🟩= Suica cards and Transit IC region extensions 🟧= Mobile FeliCa, Mobile Suica + derivations (Mobile PASMO, Mobile ICOCA) 🟥= FeliCa Standard SD2• New FeliCa OS 🟦= Cloud Suica and cloud account services
🟩🟥Next Generation Suica cards A new card for integrating Transit IC and region cards in new ways focusing on Suica 2 in 1 Region Affiliate transit cards and FeliCa Standard SD2 • FeliCa OS as the core development. JR Cross Region Commuter Passes included as I suspect they also use SD2 Extended Overlap and represent a step towards cross region through transit for Transit IC.
JRE POINT Integration There are so many goodies in the update it’s hard to find a starting place. For many people the integration of JRE POINT is big, it replaces the old separate Eki-Net point system and greatly expands the usefulness of JRE POINT with reward points with ticket purchases and point exchanges for eTickets, upgrades, etc.
Cloud attached ticketing JR East migrated Mobile Suica Shinkansen tickets to the new eTicket service in 2020 that uses the same Transit IC card number attachment scheme of smartEX. JR East also uses it to attach inbound discount ticketing and passes to Welcome Suica. Expect more Eki-Net domestic discount ticketing and pass options for purchase and attachment to any registered Transit IC card. Drawbacks that I see: (1) yet another account and credit card registration process in a long cluttered line of separate JR East account services (Suica App, JRE POINT, Eki-Net, etc.), (2) Outside of Suica App there is no Apple Pay in-app support for ticket purchases, (3) As always, if your Apple Pay Suica ID number changes you have to re-register it.
QR Code for group ticket pickup This is a handy feature for group or family travel. Mom can buy tickets online, mail the QR code to the kids, kids pickup the tickets at the station kiosk and travel home for college breaks, etc. At least that’s the idea when we all start traveling again, whenever that is. Seriously though I think this will be convenient and greatly appreciated.
Multilingual and JR East Train Reservation support English, Simplified Chinese, Traditional Chinese, Korean, French, German, Spanish, Thai, Indonesian are the supported languages. Inbound discount tickets and passes can already be purchased and attached to Welcome Suica and Suica and it appears that more options are on the way. The press release is short on details but it looks like most JR East Train Reservation functions will be migrating to Eki-Net (note the graphic shows making reservations via the desktop, not with an mobile app). And if Eki-Net is going multilingual, Suica App is close behind.
UI Improvements One of my biggest grips was the funhouse horror of using Eki-Net desktop. So many options, so poorly arranged and hidden. The current mobile browser Eki-Net is already better and it’s going to get better still with improved eTicket reservations, seat maps, ticket price comparisons, etc. The Eki-Net app is getting improvements too but I suspect the app functions will remain limited to Shinkansen eTickets and Express Train ticketless seat reservations.
There is lots more to dig into when time allows. I’ll be very interested to see the online reaction to Eki-Net discounts and reward point schedules posted at the end of the press release. Japanese customers are ruthlessly efficient at mining the good values and dumping on the junk. This is just the first pass and there will be much more as June approaches. Eki-Net will be down from June 26 20:00~ June 27 5:00 for the big refresh. Expect launch day snags and delays like the recent Mobile Suica refresh. The only thing I don’t look forward to: updating JR POINT Guide for the new point exchange functions.