BIC CAMERA VIEW Suica reward point math

If you use JR East regularly a BIC CAMERA VIEW card is the best investment you can make. So I was pleasantly surprised when the Crecolle (credit-kore) site posted a very useful piece about using Bic Camera VIEW card and Apple Pay. I love it when Japanese credit card sites analyze every reward point possibility in detail. The deep dives are always surprisingly useful.

BIC CAMERA VIEW is a dual function card that grafts a VIEW credit card with a Suica. The Suica part works just like any plastic Suica. The only difference is that users can setup the VIEW card part to auto-charge the Suica part at a VIEW kiosk, they can also setup the VIEW to auto-charge a completely separate plastic Suica, very handy. BIC CAMERA VIEW is also a BIC CAMERA store point card. When you add it to Apple Pay only the credit card function is added as QUICPay. The card comes in VISA and JCB credit flavors, mine is JCB so I can recharge my Wallet Suica with Apple Pay.

To test BIC CAMERA POINT reward rates, the Crecolle staff ran 4 purchase patterns with the same battery item:

  1. Apple Pay BIC CAMERA VIEW QUICPay
  2. Apple Pay BIC CAMERA VIEW QUICPay + showing the plastic card for BIC CAMERA reward points
  3. BIC CAMERA VIEW (plastic credit)
  4. BIC CAMERA VIEW (plastic Suica)

The return rates printed on the receipts showed the following:

  1. 1% BIC CAMERA POINTS
  2. 8% BIC CAMERA POINTS
  3. 10.5% BIC CAMERA POINTS
  4. 11.5% BIC CAMERA POINTS

So the lesson here is that if you want maximum points when buying at BIC CAMERA, use the plastic VIEW Suica. Why the big differences? The 8% vs 10% difference is the Apple Pay margin. The #1 and #2 difference between Apple Pay VIEW QUICPay by itself and showing the plastic card is simply that the BIC CAMERA point card is not hosted on Apple Pay as a NFC VAS rewards card. If it was you could do what you do at LAWSON: say ‘Apple Pay’ so that the purchase amount is rewarded via NFC VAS to a dPOINT card or PONTA card in Wallet. The #3 and #4 difference is the benefit of using Suica SF and the JR East Suica float in action bypassing the credit card companies. This last difference is the same force driving endless QR Code payment app campaigns, QR players bypass credit card network margins and pass the benefits to customers.

There is one pattern the Crecolle staff did not test: Apple Pay BIC CAMERA QUICPay and showing the BIC CAMERA App barcode point card, this gives the same 8% but without showing any plastic.

Real life code payments

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 a rewards 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 if the network gods are benevolent, finally pays. NFC was supposed to save us from slow plastic cards 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.

SmartGo Staple: a smart Mobile Suica solution for COVID era business travel

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.

Young employees tell the department manager to get with the times

WWDC21 Apple Pay Wish List: new Wallet app

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.

The Apple Pay China Transit card list is long and getting longer

More Apple Pay Transit cards are on the way but there’s another problem, digital ID cards (passports, driver’s license, national identity cards, etc.). Apple Pay Student ID MIFARE cards landed back in iOS 12, but Apple has grander plans revealed in a NFC digital ID patent filing. The Japanese Ministry of Internal Affairs and Communications (MIC) has plans for a digital version of My Number Card (Individual Number Card) and is already in negotiations with Apple. Where and how do digital ID cards fit in the current Wallet model that only holds a maximum of 12 cards? Something has to give.

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 Super Suica Reference

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

DateCategory • Announcement** • Launch*Estimated Start
September 2018🟩🟥Suica 2 in 1 • FeliCa Standard SD2**2021
June 2019🟩🟥Suica 2 in 1 for Tochigi**
🟧Rakuten Pay Suica**
2021~2
2021
September 2019🟩🟥Cross Region Commuter Passes for ICOCA-TOICA-Suica**2021
October 2019🟧Mobile PASMO** (rebranded Mobile Suica)2021
December 2019🟥🟧UWB Touchless Mobile FeliCa**2022~3?
January 2020🟩🟥Suica 2 in 1 Iwate Green Pass (Iwate)**
🟧Mobile PASMO**
2021
March 2020🟧Mobile PASMO for Osaifu Keitai*
🟦Eki-Net Shinkansen eTicket service*
May 2020🟧Garmin Pay Suica*
🟧Rakuten Pay Suica*
September 2020🟥FeliCa Standard SD2 cards with new FeliCa OS features*
November 2020🟧wena 3 (smartwatch+band) Suica *
October 2020🟧Apple Pay PASMO*
🟧Mobile ICOCA**
🟩🟥Suica 2 in 1 Iwate**
🟩🟥Suica 2 in 1 Hachinohe**

2023
2022
2022
November 2020🟩🟥Suica 2 in 1 Aomori**
🟩🟥Suica 2 in 1 Akita**
2022
January 2021🟩Cross Region Commuter ICOCA-TOICA-Suica launch details** with TOICA and ICOCA region extensions (TOICA extensions explicitly for cross region pass support) March 2021
March 2021🟩🟥Cross Region Commuter Passes for ICOCA-TOICA-Suica*
🟩Cross region exit gates installed at Maibara and Atami stations*
🟩🟥Suica 2 in 1 totra and Iwate Green Pass*
🟧Fitbit Pay Suica launch
*
🟩🟥Suica 2 in 1 Yamagata announcement**
🟩🟥Suica 2 in 1 Gunma announcement (Noblé)**




2022
2022
April 2021🟦🟩Cloud Suica with Suica region extension announcement**
🟦 Eki-Net reboot: more cloud based attached services and JRE POINT integration
2023
2021

🟩🟥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.

🟧Mobile
The evolution of Mobile FeliCa to include UWB touchless and multiple secure element domains, Mobile Suica service expansion and re-branded assets for Mobile PASMO and Mobile ICOCA.

🟦Cloud
Cloud Suica: cloud based fare transaction processing and MaaS Suica payment services without a reader, cloud account attached services.