iOS 13.4 beta 2 Apple Pay Suica tweaks and questionable UI choices

Apple Pay Suica has more commute plan UI tweaks in iOS 13.4 beta 2. Commute plan information displays correctly now, and with more detail than before, but the renew button is gone and evidently dynamic: it only appears during the 2 week commute plan renewal period before expiration date. The design goal is clear but cannot absolutely confirm it until my plan enters the renewal period on April 15, hopefully beta testers will confirm it on Twitter before then.

A dynamic Suica commute plan renew button makes sense because the button does not function outside of the 2 week renewal period, but I’m not sure it’s the best UI choice. Most users will be confused when there isn’t a renew option showing. No button, no user feedback. My own choice is for a button that is always there but greyed out until it’s active for the renewal period.

What UI Apple delivers for the official iOS 13.4 release is anybody’s guess but the constant Suica tweaking before iOS 13 Dark Mode and after is telling. Apple is making questionable UI choices because Dark Mode severely limits UI color schemes. That is why Apple Pay Wallet buttons are black for daytime and white for Dark Mode. Grey is not an option. That’s why Apple is playing with dynamic buttons that only appear when needed. Dark Mode in fine in limited doses but things like Apple Maps Dark Mode are a disaster, Apple Pay Wallet Day/Dark Mode is a mixed bag. I hope iOS 14 Dark Mode delivers a better design than what we have now.

Outside of the UI, I’m happy to report that Apple Pay Suica performance on iOS 13.4 b2 is the best ever.

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Apple Wallet Docomo d POINT contactless rewards card launching February 18

Apple Japan recently tweaked the Apple Pay web page artwork. Instead of 3 iPhone Apple Pay images there are now 4, one of which features the PONTA contactless rewards card. Why would Apple feature it only now when Apple has ignored PONTA since the October 2018 launch? Now we know why: the Apple Pay version of Docomo d POINT Card is launching February 18. Twitter user Ballpen caught a few early bird launch campaign posters outside a LAWSON store showcasing Apple Pay d POINT with a NFC mark, just like PONTA. The launch campaign will run from February 18 to April 17 offering 7X bonus d POINT when using Apple Pay at LAWSON.

The LAWSON POS is built around the Panasonic JT-R600CR reader that is Apple Pay savvy and supports the VAS protocol. Apple Wallet Ponta at LAWSON uses VAS (NFC A) for reading and linking reward card information with a purchase. Docomo d POINT Apple Pay will also use VAS but there is more to it. Docomo d POINT has a far larger Godzilla sized market footprint than PONTA, and Docomo is looking to streamline its siloed payment services: d CARD (plastic), iD (NFC FeliCa), d POINT rewards card and the new d BARAI QR Code payment system into an intelligently integrated service package that can best SoftBank PayPay market performance.

Docomo announced in November that it would merge some d Barai functions into iD with an updated iOS app at some point. It looks like that app is coming February 18 that adds the user d POINT Card to Wallet. The real question is how it works on the updated LAWSON POS system and plugs into iD payments. Do we say ‘Apple Pay’ at checkout like we do for PONTA points, ‘iD’ or something else? Tune in for details in tomorrow’s press release. Now if only JRE POINT would go Apple Pay, I’d be finally free from plastic reward cards cluttering up my real wallet.

UPDATES
Apple Pay Docomo d POINT Card is live, it works just like PONTA at LAWSON, say ‘Apple Pay’ at checkout then select d POINT or PONTA on the checkout touchscreen. There is a Wallet notification UI bug that displays the PONTA icon instead of d POINT when adding points but they are added correctly.

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.

MTA OMNY Apple Pay Express Transit User Problems

Apple’s decision to offer Apple Pay EMV style Express Transit as a iOS 13 feature when adding cards to Wallet may not have been a good idea after all, especially on the work-in-progress mixed environment that is MTA OMNY. 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 or wrist that brushes on the OMNY reader, accidental reads can’t happen. Nevertheless Apple would have happier New York City customers keeping EMV Express Transit off by default, and leave default on for the native OMNY transit card, whenever that arrives.

UPDATE: London TfL users are having the same problem

5G Contactless Payments Part 1: Fast QR vs Ultra Wide Band enhanced FeliCa and MIFARE

Payment empire players envision a brave new world of 5G enhanced contactless payment solutions, seen in recent moves by JR East and other major Japanese transit companies to replace expensive legacy mag strip ticketing with lower cost QR Code ticketing. 5G flavored QR Code and ‘Touchless’ Ultra Wide Band (UWB) Mobile FeliCa solutions were also on display at last months Docomo Open House 2020. How can it be that Docomo is developing Ultra Wide Band Mobile FeliCa and QR Code solutions?

The endless push pull of ‘this contactless payment works great for me’ that drives somebody else crazy is endless fascinating. We have more choices than ever: digital wallets, plastic cards, face recognition, NFC, QR Codes, etc. 5G and UWB promise to mix things up even more.

Ultra Wide Band enhanced FeliCa and MIFARE Apple CarKey?
The evolution of EMV, FeliCa, MIFARE and other similar protocols as they transition from plastic smartcards to digital wallets devices opens up opportunities to include other radio technologies like Ultra Wide Band and Bluetooth in addition to NFC. Ultra Wide Band Touchless FeliCa on display at the Docomo Open House was all about cars, not Touchless walkthrough transit gates that will appear in a few years.

Touchless FeliCa makes great sense as a ‘NFC car key’ that utilizes UWB for operation at greater distance and better accuracy when needed. Touchless makes even more sense as a ‘keep phone in pocket’ touchless payment method for drive thru purchases. The addition of UWB into the mix makes smartcard protocols much more useful than just NFC. I would certainly welcome a smartphone UWB powered Touchless FeliCa replacement that ditches the need for automobile ETC cards and readers on Japanese expressways.

How UWB enhanced FeliCa would fit with Apple’s new CarKey feature said to be coming with iOS 13.4 is unknown but iPhone already supports FeliCa. UWB touchless support for iPhone 11 and later models is a logical evolution. Sony and Docomo are developing the technology with NXP which certainly means that MIFARE will also support UWB enhancements. The long history of FeliCa and MIFARE as keycard solution providers is a natural fit with Apple CarKey. NFC is the only protocol that has been discovered in iOS 13.4 beta CarKey framework so far but I would not be surprised if UWB code references turn up at some point.

5G Cloud vs Local Processing
The Docomo Open House also showcased a QR Code transit gate with 200 millisecond (ms) transaction processing but the real star was the speed of 5G. 5G powered cloud processing promises to upend the current advantage of locally processed prepaid stored value cards…cards like Suica.

The basic promise of 5G is that IT system designers finally achieve a nirvana of everywhere, always available, big pipe central processing without wires, the big cloud. The original Suica card design effort back in the 1980’s had to leverage local processing because central processing wasn’t up to the task of handling massive transaction volumes of a Tokyo-Shinjuku-Ikebukuro station at peak rush hour. This is why Suica cards are stored value by design, the FeliCa technology behind the card design delivers 200 ms and faster transaction times for local processing at the transit gate. What happens when 5G promises, in theory, to deliver 200 ms central processing?

Kill mag strip paper tickets first then Suica?
As Junya Suzuki points out in his article ‘Is QR the future of Suica?‘, transit QR Codes on the complex Japanese transit network only need be a unique local passkey with everything else, verification, transaction, etc., done in the 5G cloud. The same concept applies for facial recognition systems where the registered face is the unique local passkey. With the power and speed of 5G, Suzuki san argues that the need for Suica-like local processing falls away. In his scenario all Suica needs to be is a unique passkey that can lose stored value functions.

I understand his point, Suzuki san comes from an IT system background, as a journalist he has covered JP transit payment system developments for a long time. For low traffic stations a Suica-lite 5G cloud based network makes sense and does away with the expensive hard wired transit gates. Just one year ago JR East said they are building a cloud networked Suica to cover all non-Suica areas.

However the old Tokyo-Shinjuku-Ikebukuro station peak rush hour central processing crunch problem remains. I’m not convinced super fast 5G enabled cloud processing is going to solve that problem any better or cheaper than Suica does now, and reliability is a complete unknown. We also have the next generation ‘Super Suica’ format and FeliCa OS coming in the next 12 months, the design goals here include a flexible, modular cloud friendly architecture and lower costs. Next generation Suica coupled with a flexible local processing~cloud processing backend may be a compelling solution that finally delivers a practical inexpensive Suica infrastructure to the little end of the line station which only gets a few trains or buses a day.

New JR East Suica / QR Code transit gate for Takanawa Gateway station

JR East, Hanshin and Osaka Metro are testing QR Codes and facial recognition ID ticketing to replace mag strip paper. As Junya Suzuki points out, mechanical paper ticket transit gates are more expensive to install and maintain than IC transit card gates but the real expense is mag strip paper recycling costs. Mundane but not surprising. The more important long term question is this: do transit companies keep the current more expensive cash base paper ticket fare vs less expensive IC card fare structures in place, or do away with it when QR Codes replace mag strip tickets? I don’t think we’ll see an answer to that question for a few years.

There is no doubt that 5G will enable new payment possibilities, and a lot of debate. But I don’t see 5G cloud completely upending and replacing the need for local processing and stored value cards. Both are evolving, both have their place. It doesn’t have to be, and should not be a one size fits all solution. Each approach has strengths that can be complementary and build a better stronger system.

For me it comes down to one simple thing. My Apple Watch can be buried under multiple sleeve layers but Apple Pay Suica works great going through rush hour transit gates every time. It’s the best argument for UWB enhanced FeliCa and MIFARE touchless transit gates and stored value local processing I can think of. QR can never match that, nor can face recognition…think face masks during an epidemic or pollen season.

In the next installment I hope to explore 5G and the evolution of digital wallets.