Apple Pay Octopus Ides of March

Here we are again. Apple Pay Octopus has been languishing in beta test hell for over a year with no public release in sight. The last news was the 2019 year end official launch delay to ‘later in 2020’ and the Octopus App v5.6 update that added support for iPhone recharge/top up of plastic Octopus cards. Hong Kong beta testers found code references in v5.6 that indicated Octopus Cards Limited (OCL) originally intended to release Apple Pay Octopus and v5.6 app together.

A few weeks ago a reader contacted me that OCL is updating the Schedule of Fees and Guidelines on March 1, 2020, which could indicate a minor Octopus App update, or perhaps not. Then out of nowhere, Twitter user Jason Tjong (who lists himself as a IT journalist, without a publication… is he freelance? a blogger? a mole inside OCL?) put out a series of tweets saying everything that was supposed to be coming, first with Chinese New Year 2019, then later with iOS 13, is finally coming in March 2020 along with Octopus App v6, in other words the whole shebang.

To which I say…hope for the best but we’ll see how it plays out. There have been too many delays to be optimistic and Tjong has not revealed any sources or reasons behind his statements. If he turns out right, great, if not we’ll wait for the next rumor or real announcement from OCL. We do have an Apple Event March rumor for iPhone 9 and new iPad. At last year’s spring event Tim Cook mentioned Apple Pay HOP, Ventra and EMV Express Transit for MTA OMNY for 2019. Reality and results were mixed. Apple Pay HOP launched without a hitch, OMNY Express Transit launched on schedule but MTA users stuck with manual swipe MetroCard are irritated by Express Transit (default Express Transit in a long term system migration environment was not a good idea), and Apple Pay Ventra is stuck in coming soon hell.

Tjong says the Apple Pay Octopus delay is Apple’s fault not OCL, but again I am skeptical. From a technical side OCL already has extensive mobile experience with their Smart Octopus on Samsung service and has been field testing Apple Pay Octopus since December 2018. From a business side I find it hard to believe that OCL would dump resources into extensive Apple Pay beta field testing and Octopus App development without the business contract ends tied down. I think there are other reasons..reasons like the Hong Kong protests and the unexplained takedown of Smart Octopus during the Hong Kong Polytechnic University siege, but this is not a popular view.

We can put aside all doubts and pretend that March will be insanely great. Tim will announce Apple Pay for Octopus and Ventra at the March Apple Event, Octopus Cards Limited CEO Sunny Cheung will be invited on stage to unveil the service and press the launch button. Oh, and one more thing, Tim will announce an Apple COVID-19 vaccine with same day availability at all Apple Stores worldwide.

Joking aside, the only thing I can say with any certainty is that Hong Kong is in a very different place than it was in December 2018; after the delays and demonstrations of 2019 there’s considerably less interest in Apple Pay Octopus.

UPDATE
Tjong now tweets that Apple Pay Lingnan Pass and ShenZhen T-Union cards announced in December will appear in March ahead of Apple Pay Octopus because of technical difficulties with the latter, again without giving sources or reasons, other than implying that it’s Apple’s fault. I don’t agree with his take, but Apple Pay Lingnan/ShenZhen coming more or less simultaneously with Apple Pay Octopus crossed my mind back in December. It certainly makes sense for Apple Pay to align transit card region support whenever possible. I don’t think it will happen at the same time but a staggered release that straddles both Hong Kong and surrounding mainland area transit cards, not dual mode exactly but close, is a win for iPhone/Apple Watch transit users.

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Tokyo Cashless 2020: NFC Pay…are we there yet?

Tokyo Cashless 2020 is a periodic look at all things cashless as Japan gears up for the Tokyo Olympics event. If there is a topic you’d like covered, tweet @Kanjo

Mom always had a ready answer for us kids at the start of every family summer trip, “No honey we’re not there yet.” It was vague, non-committal, endlessly cheery. NFC Pay (aka EMV contactless) has made some progress at Japanese checkouts, but as Junya Suzuki lamented recently it’s still not universal. Cashless payments in general however have made good progress thanks to the Japan Cashless rebate program.

Every inbound cashless Japan experience is different, it depends on the kind of trip, the region and personal spending habits. A businessman using plastic credit cards staying in Tokyo area hotels and well known areas, then yes the experience is mostly cashless. A budget backpacker on Lonely Planet/Airbnb trail will have a very different, very cash cash experience. Europeans and Australians will find that their EMV contactless bank cards don’t tap very far and wide.

Just Say ‘Apple Pay’ Conundrum
People would love to be able to just say ‘Apple Pay’ at checkout, but this does’t work very well in Japanese contactless checkout jungle. When you say ‘Apple Pay’ you get:

  • The main card set for Apple Pay Wallet
  • Face ID/Touch ID authentication request

This can play out in different ways. If you have an international issue bank card set as the main card and say ‘Apple Pay’ at Lawson, the reader pulls up the main card with a Face ID/Touch ID authentication request. If you have Suica set as the main card and say ‘Apple Pay’ at Lawson, it pulls up Suica with a Face ID/Touch ID authentication. If you want use Apple Pay Suica Express Transit at checkout, you have to ‘Suica’, not ‘Apple Pay’. Are you confused? The confusion is compounded by poor employee training. You can use EMV contactless at any McDonalds but getting the checkout staff to actually make it happen is a completely different story.

Who’s to blame for this state of affairs? I say everybody: Banks, Card companies, The EMV Consortium, Sony, NXP, The NFC Forum, Apple, Google, Samsung, and especially Visa Japan who refuse to play nice with anybody who plays nice with FeliCa. Instead of working together to create and market a few intelligent payment schemes that work seamlessly, we have a world of this and that pay. The only player to gain anything from the Japanese market card payment mess is, surprise, the card-less QR Code PayPay.

EMV contactless and known aliases
To successfully navigate the Japanese contactless jungle, inbound Apple Pay travelers needs to be acquainted with a few checkout slogans: NFC Pay, credit and Suica. When you see the EMV contactless acceptance logos for Mastercard, Visa, Amex or JCB, say ‘credit’ or ‘NFC Pay’ at checkout. This should work for both plastic EMV contactless cards and Apple Pay/Google Pay/Samsung Pay inbound digital cards. Even if the checkout terminal does not display an Apple Pay or Google Pay logo, you are good to go.

Unfortunately, there isn’t comprehensive resource for NFC Pay store listings. Visa Japan only lists Visa Touch stores, Mastercard only lists Mastercard contactless stores, etc. The best approach for iPhone/Apple Watch inbound visitors is to create a Suica card on your device and be flexible, use a mix of Apple Pay Suica (recharged with Apple Pay cards), NFC Pay and plastic credit cards. NFC Pay nirvana may not be here yet, but we’ll get there…eventually.

Transit IC only JR East Shinkansen eTicket reservations start today

The new JR East Shinkansen eTicket service debuts March 14, but 30 day advance ticket reservations mean it kinda starts today. The best explanation, Japanese only at this point, is the Eki-net online guide that outlines the new reservation, purchase and seat assignment process for PC and smartphone web pages. I find the smartphone online version more streamlined than the PC one but they are straight forward if you are familiar with Eki-net. The basic Eki-net process is the same until step 7, the section where you assign the eTicket (s) to your registered transit IC card (s). The differences from smartEX are interesting:

  • You can register up to 6 different transit IC cards to a single Eki-net account: Suica, Mobile Suica, PASMO, Kitaca, ICOCA, TOICA, manaca, PiTaPa, nimoca, SUGOCA, Hayaken
  • A single Eki-net account can reserve/purchase up to 6 Shinkansen eTickets then assign tickets and seats to registered transit IC cards

JR East Shinkansen eTickets are geared for family travel in a way that smartEX, EX-Press and the old Mobile Suica Shinkansen eTickets ending March 13 are not. Other systems can only attach a single IC transit card per account. The flexibility opens up some interesting possibilities, since Apple Pay Suica is just another transit IC card, one person can buy and assign eTickets up to 6 difference Apple Pay Suica devices. The downside is that transit card linking is completely manual and up to the user to update information when a new card is issued or the Apple Pay Suica ID number changes (less common than before but still happens). There are bound to be some very short trips that end with a transit gate error. Some other observations:

  • eTickets require a Transit IC card (paper tickets can be issued in the event of a lost transit card)
  • eTicket reservations are currently limited to Eki-net online but Eki-net app will gain eTicket support when the service launches March 14
  • As Suica App is tied to Apple ID and the Mobile Suica cards registered to it, I don’t see Shinkansen eTickets being integrated back into Suica App anytime soon
  • I don’t see QR Code ticketing support coming until after the transit IC eTicket system is complete and necessary gate infrastructure in place, a few years down the road at best

Eki-net eTickets are limited to JR East operated Tohoku, Yamagata, Akita, Hokkaido, Joetsu, Hokuriku Shinkansen lines. The next obvious question is when will other ticketing be migrated to Transit IC, and what kind of discounts will be offered?

Discounts, incentives and ticket system silos
Most Japanese don’t buy express train or Shinkansen tickets at regular prices. The whole point of Eki-net, smartEx, and all the other account based ticketing systems are the discounts and incentives to get people out of the ticket office line and online. Each operator has their own complex set of discount schedules which they guard and control carefully because it is their business engine.

For this reason I am not optimistic we will see an all-in-one train ticket app. Sure, there is some integration of JR East eTicket and JR West e5489 because they share Hokuriku Shinkansen operations, and there might even be an app than integrates many different ticket systems, but I don’t see it offering all the discounts of stand alone apps like Eki-net, EX, Odekake-net, etc. I also don’t see multi-lingual support in the mix, at least not in time for Tokyo Olympics. The fun starts March 14 with many things still coming down the pipe, from next generation Suica to new transit gates. It will be an interesting time.

New JR East Shinkansen eTicket service is a bumpy transition

Three new Suica App system notices spell out the end of old style in-app Shinkansen ticket purchases ending March 13 for the new JR East Shinkansen eTicket service launching March 14. The switchover is going to be bumpy and clear as mud. A quick list of things to be careful of:

The Bad Ugly

  • Automatic Apple Pay Suica ID# linking is dead
    You have to manually enter your Apple Pay Suica # in the fugly Japanese only Eki-net online site (not the iOS app). Unfortunately copy/paste from Suica App does not work well because the first 2 letters of the string must be entered via pull down menu (macOS) or scroll wheel (iOS) and the entry field cuts off the final 2 digits of the string. This is stupid UI design in the smartphone era.
  • Suica App Shinkansen in app purchases are dead, new eTicket Shinkansen reservations/purchases have to be made online in Eki-net. The current version of iOS Eki-net has not been updated yet and is only for old style ticket reservations and purchases.

The Good

  • All major transit IC cards can be registered for JR East Shinkansen eTickets on the Eki-net site.

The Missing
From a system standpoint it’s clear that locally processed Shinkansen tickets directly downloaded to Apple Pay Suica/Mobile Suica are over. All JR systems will use the same smartEX approach of soft-linked transit IC card numbers with the eTicket information stored on the cloud.

We are losing Suica App Shinkansen in-app integration, iOS Eki-net app is not plugged in with Shinkansen eTicketing, taken together with backend system changes I guess JR East is breaking eggs to make a new omelette. Will things end end up bigger and better?

JR group cooperation is a classic cat herd, Shinkansen lines might be connected but they don’t appear to be cooperating on a deep level to integrate eTicketing systems, at least not from the outside. This needs to change. The JR East press releases details the Shinkansen eTicket system merger with JR West which operates the Toyama~Ishikawa section of the Hokuriku Shinkansen. There are a few minor updates on the JR Central EX system, details on the EX site (Japanese), but nothing that indicates more interoperability.

The challenges of operating a massive ticketing system smoothly while rebuilding it must be huge. It will be a longish migration of many moving pieces and even though we know what is going away, it’s not exactly clear what the finished service will include. Let’s hope JR East is up to the job when the real fun starts on March 14, and stay focused while aggressively fixing the inevitable bugs and problems during the transition.

UPDATE
Right on cue JR East Eki-net and JR West e5489 systems have been experiencing occasional credit card processing problems for Shinkansen ticket purchases. These 2 systems are being integrated for Shinkansen eTicket service.

MTA OMNY Apple Pay Express Transit real life funnies

Apple’s decision to offer Apple Pay EMV style Express Transit as a default iOS 13 feature on the work-in-progress that is MTA OMNY may not have been a smart idea after all. Those manual swipe MetroCards will be around for a few years, and with Cubic Transportation running the show it is anybody’s guess when OMNY, the system and the MIFARE MetroCard replacement, will completely in place and running smoothly.

For every tweet saying Express Transit is great, there are plenty of complaints of unwanted OMNY charges because iPhone users didn’t know Express Transit was turned on. The thing is iPhone and Apple Watch have to be damn close for a read. Unless the device is in a pants or coat pocket that brushes on the OMNY reader, I don’t see how accidental reads can happen. Nevertheless Apple would have happier New York City customers leaving Express Transit off by default…at least until OMNY is completed and running smoothly everywhere…whenever that is.