Mandatory Suica App Update

Mobile Suica issued a system notice today: there is a new version of Suica App (v2.7) on the App Store, users must update by July 21. After that date you must use version 2.7 to access Mobile Suica services. The only difference I could see is that Mobile Suica Shinkansen eTicket purchase history search has been added going back to July 2019. Mobile Suica Shinkansen eTicket service ended March 13, replaced by the cloud based Ekinet eTicket service.

Some users have been experiencing multiple Mobile Suica 1201 recharge errors recently. There’s a lot of cloud work JR East has to do on the Mobile Suica and Ekinet systems in preparation for the next generation Suica debut in spring 2021. The mandatory update requirement is a sign something is changing on the backend. Hopefully JR East is fixing all things Mobile Suica.

Advertisements

Another Japanese government cashless promotion gimmick: My Number Point (Updated)

Now that the CASHLESS Rebate program is over, we have a new Japanese government program promoting cashless use for points: My Number Point. And yes it comes with an app. There’s just one tiny gotcha: you have to have a plastic My Number card because as the campaign name makes clear, the whole enterprise is about motivating people to register for a one. The program runs July 1~March 30. Users can get the equivalent of up to ¥5,000 in points in exchange for ¥20,000 worth of cashless shopping.

The basic idea is that starting from July 1, you use the My Number Point app to read the NFC tag in your My Number card and register your cashless payment service of choice: Suica, PayPay, credit card, etc. The full list is here.

After you buy ¥20,000 worth of stuff by August with your registered cashless payment, you get points. We won’t know how bad the sign up process is until it goes live. At best it looks convoluted, and a lot of hoops for only ¥5,000 in points. COVID is already more than enough motivation for going cashless but payment players are dutifully offering extra points for registration.

As your dutiful field reporter, I volunteer to dive into the NFC tag registration process on July 1 and tell you all about it. Here’s the official list of compatible iPhone devices.


Suica/JRE POINT Registration
The registration process, like the app, looks and acts like a government bureaucracy product. It’s not pretty but gets the job done. But it’s a fun exercise using the My Number Card NFC tag for secure login. Here is a quick summary.

Before you start: you’ll need a My Number Card, and a JRE POINT account with your Mobile Suica registered.

(1) Have your My Number Card and 4 PIN login code ready and launch the app. The My Number Card NFC tag read with iPhone seems very allergic to any surrounding metal. Hold the card in your hand, it takes about 8 seconds for a successful read.
(2) Follow steps 1~6 shown here to login and get to payment system registration
(3) You need 3 pieces of info from your JRE POINT account: the JRE POINT exchange number, the registered katakana account name, the registered birth date. Tap the link to the JRE POINT page and login, copy the JRE POINT exchange number and paste it in the Payment Service ID, past the katakana name (no spaces) in Security Code 1, enter the registered birth date into Security Code 2. Enter the last 4 digits of your current iPhone number in the last field.

JRE POINT Info for My Number Card Point registration

(4) After entering and confirming your JRE POINT information you have to enter your My Number Card PIN and read NFC tag again. This completes the process, you should see a green confirmation checkmark.

From here all you need to do is purchase ¥20,000 worth of goods or recharges with Mobile Suica by August 31. The timing and details of the My Number Point bonus into your JRE POINT account should be coming soon. Check the My Number Point page for details.

WWDC20 iOS 14 Apple Pay Wish List

I already outlined some iOS 14 Apple Pay possibilities regarding AliPay QR payments, UWB Touchless and Secure Element Certificates. iOS 14 AliPay QR support, if it comes, would be a 180 from the Apple Pay Wallet WWDC18 theme of ‘get rid of QR passes and make them NFC’. We’ll see. Here are some wish list items in no particular order, most of them repeats from 2019:

  • Please redo the dumb dark mode driven Wallet transit card UI. All recent Wallet UI tweaks are not about making a better overall Wallet card UI experience and mostly there so it doesn’t suck in dark mode. Sorry, but it still sucks. Honestly, iOS/macOS system wide dark mode is such an overhyped piece of UI crap. I don’t use it anymore.
  • Now that we have Background NFC tag reading across the entire iPhone lineup, can we finally have NFC Tag Apple Pay that Jennifer Bailey unveiled last year.
  • Apple Card does dynamic card stuff, would be nice to have for other Wallet cards too.
  • More built in embedded Secure Element provider support: Calypso, CEPAS, etc.
  • Apple Pay Japan is still missing some important e-money prepaid cards like WAON, nanaco, Edy that have been on Google Pay for some time now, it would be nice to have loyalty prepaid card support for items like DOTOUR Value Card too, and please improve the Apple VAS experience, it’s old dog slow on the store reader.

I’d do a postmortem after WWDC. Enjoy the show.

What to say at checkout in Japan with Apple Pay

Japan has the longest history of mobile payments on a large scale thanks to the early cooperation of NTT Docomo and Sony to create Mobile FeliCa and the Osaifu Keitai standard, all in place long before the EMV contactless standard came together and landed in Apple Pay. The longer history means that the mobile payments landscape is richer and complicated than anywhere else and is growing even more complicated with QR Code payment app choices that have proliferated over the past 2 years.

The addition of Apple Pay and Google Pay confuses things even more. What exactly does one say to the checkout staff? Apple Pay, iD, QUICKPay, or Suica? It comes down to 2 basic factors: the POS checkout system and the skill of the store staff. Suica, iD and QUICPay are pretty much standard for contactless checkout but the ‘Apple Pay’ logo only indicates that contactless payment is available. What you say to the checkout staff or tap on the checkout touchscreen is another matter.

Don’t Say Apple Pay
Visitors to Japan, and even many Japanese expect Apple Pay should do what’s explained on Learn where to use Apple Pay and How to use Apple Pay support pages: (1) say ‘Apple Pay’, double-click the side button for Face ID authentication/rest finger on Touch ID and hold to reader to pay with your default Apple Pay card. The Apple Pay instructions for Japan are different: (2) let the cashier know if you’re paying with Suica, iD, or QUICPay. Why no “say Apple Pay?”

The reason for the difference boils down to Express Transit. Only Japan has Apple Pay Express Transit for store purchases in addition to transit use. No other Apple Pay region has it. So there are 2 ways: say Apple Pay at checkout that evokes Face/Touch ID authentication or say Suica that evokes Express Transit which bypasses Face/Touch ID.

Apple Pay makes everything work seamlessly on the iPhone side thanks to global NFC and NFC switching. However the store reader cannot choose automatically, that’s why you have to say Suica, iD, QUICPay, etc. That’s why Apple Pay uses option (2) for Japan. When Apple Pay Octopus finally launches in Hong Kong, it will be the same deal. Users will have to say Octopus at checkout for Express Transit or tap a separate Octopus only reader.

The Contactless Point Card Difference and Inbound Apple Pay
When checking out at a store with all the pieces in place: full spec POS system, trained staff, EMV, FeliCa, VAS and Apple Pay, it’s like option (1). This is how it works at Lawson convenience stores. The ‘say Apple Pay’ option here is for using PONTA or dPoint contactless reward cards with a convenient single tap operation. The Express Transit catch remains however; saying Apple Pay when Suica is your default Wallet card means you don’t get Express Transit checkout, you get Face/Touch ID authentication Apple Pay. For Express Transit checkout you have to say Suica every time.

There’s also the inbound angle to consider. More stores are adding EMV contactless support and this means visitors can use their Apple Pay cards from home directly. However Apple does not cover inbound use in their support page, only domestic JP options. The problem here is there’s no magic catch-all checkout word like Suica, iD or QUICPay. Do you say Apple Pay, NFC-Pay, credit, or something else?

If the staff hasn’t been properly trained (and be sure to check if they have a ‘trainee’ ID badge, usually a sign of trouble), they can’t understand what payment option you are asking for and match it with the right checkout button. Saying ‘credit’ seems to be the most common usage that works, sometimes ‘NFC Pay’, but Visa wants you to say ‘Visa Touch’, Mastercard wants you to say ‘mastercard contactless’, and so on.

I say blame the mess on selfish card companies that can’t get their act together and come up with a EMV checkout word for the common good. If you get in a jam, pointing at the payment acceptance mark you want to use at checkout is the best course of action. Last but not least, keep in mind that the EMV mark on the reader tap area has nothing to do with what works for POS checkout. Always check the payment acceptance marks.

NFC Pay in action on terminal, note the acceptance marks for Visa and Mastercard contactless, the NFC Pay/EMV logo on the reader tap area does not mean the store accepts NFC Pay

The Self Checkout Barcode Reader Dilemma

Reach out and touch is not something we want to be doing right now. Along with wrangling face masks and Face ID iPhone Apple Pay in the Covid-19 era, we also face another hurdle: self checkout barcode readers. Any volunteers out there who like fondling public plastic? I didn’t think so.

Convenience store self checkout all have the same deal: scan with barcode reader, tap some choices on the checkout touchscreen, scan a rewards card and pay with Apple Pay Suica, etc. The stationary barcode readers at JR East station NewDays are slightly better but you still have the touchscreen to deal with.

Barcode app and plastic variety reward cards were already a pain in the ass before all the fun started and are worse now. Apple VAS and Google Pay Smart Tap for NFC contactless reward cards has been in place for some time but uptake in Japan has been slow and small. So far only 3 contactless NFC point cards exist: Docomo dPOINT, T-Point and PONTA, and only 2 places use them: LAWSON (dPOINT and PONTA) and Tsutaya (T-Point). Part of the problem is that VAS/Smart Tap support depends on 2 factors: the reader and the POS system.

Most modern NFC readers support Apple and Google protocols but POS system support is another matter. Pre-packaged POS system providers like AirPay and J-Mups that are popular with smaller merchants don’t support them yet. This means that only big retailers with deep POS development resources like LAWSON (Mitsubishi Corp group) have added NFC contactless reward card support so far.

Apple Pay Japan supports dPOINT and PONTA cards but there are subtle differences: PONTA card requires Face/Touch ID authentication, dPOINT does not. I have not fully tested dPOINT for point payment but suspect authentication is not required for getting points but required for paying with points. One hopes that with the Covid-19 crisis in full swing, retailers and card empires (JRE Card, etc.) have the incentive to provide customers with the safest contactless experience for both payments and reward cards.

dPoint card can be accessed without Face/Touch ID, PONTA requires authentication