iOS 16 Wallet: expanding the Apple Pay experience, aka Suica auto-charge for the rest of us

iOS 15 added big new features to Wallet, expanding digital keys from cars to include home, office and hotels and ID in Wallet driver licenses for the first time. There were smaller but important UI changes too. A new add card screen offered new categories making is easy to add transit cards regardless of the device region and quickly re-add previous Wallet items from iCloud. iOS 15 was all about Wallet to the extent that Apple now advertises it as a separate thing from Apple Pay with a separate web page, and even referred to Apple Pay as “one of the most important areas of Wallet” in the WWDC keynote. Very interesting.

iOS 16 moves the focus back to Apple Pay and making digital payments more useful, practical and universal. The WWDC22 Keynote announced Apple Pay Later, in-app ID card verification and key sharing. Apple Pay Later is one aspect of several new Apple Pay functions unveiled in the What’s new in Apple Pay and Wallet session.

Multi-merchant payments: In our online world we can never be sure how many sub-merchants are involved when we order something and how our card information is shared. In multi-merchant Apple Pay, multiple payment tokens are issued for each merchant in the same transaction, preserving user privacy, with the iOS 16 Apple Pay paysheet showing a breakdown of each sub-merchant charge. This feature works mostly on the backend, but showcases how smartly the Apple Pay Wallet team design features to ‘just work’ securely for merchants and customers.

Automatic Payments
My favorite iOS 16 feature as it addresses a lot of interesting use cases, much more than just Apple Pay Later installments which fall under:

Reoccurring payments, which include things like installments and subscriptions, basically any regularly scheduled payment. With the recent Starbucks Japan price increases, I decided to sign up for the new JR East Beck’s Coffee Shop subscription plan. Up to 3 cups a day for ¥2,800 a month. A pretty good deal for commuters like me. The Beck’s subscription service is subcontracted out to an interesting online business venture company called Favy that uses Sign in with Apple to create an account. Payment however is manual credit card entry with the onerous, ubiquitous 3D Secure sign-in. Pass issue and serving size selection (M=¥50, L=¥100 extra) is done in Safari. It works well enough, but canceling or getting payment details is a real Safari expedition. It would be a much better, and faster, customer experience doing it all in Apple Pay.

Automatic Reload: this is the real money feature for me because it plays on the classic snag of using Apple Pay Suica…recharge. All pre-paid cards are a catch-22. Japanese users love them because they like the “I know how much money I’m adding to my card” aspect of manual recharge, but there’s the inevitable, you know you forgot about it, bing-bong ‘please recharge’ transit gate alarm when Suica balance is short.

JR East offers Suica Auto-Charge (auto-reload) as a feature of their VIEW card. The auto-charge option works great with Apple Pay Suica but like all transit card auto-charge, it is tethered to the transit gate NFC system. This means the users gets instant, seamless auto-charge but only on the operator’s transit gates. Suica auto-charge does not work outside of the Suica and PASMO transit gates, not at store terminals, not in other transit card regions like JR West ICOCA. This limitation is a big customer complaint, I and many others would love Apple Pay Suica auto-charge to work everywhere.

Apple Pay automatic reload takes care of this problem very nicely. Suica would recharge anywhere because the card balance ‘trigger’ and reload process is done via Apple Pay instead of JR East transit gates and the Suica system. JR East could keep auto-charge exclusive to their VIEW cards as they do now or easily, selectively expand it. Either way they would greatly increase the usefulness of VIEW and Suica by supporting the new Apple Pay automatic reload feature. The possibilities are are pretty exciting.

Order tracking
Another very useful feature I think people will love using. The addition of QR/barcodes in the Apple Pay sheet is a first and will greatly shorten the order pickup~delivery process. The best use case of Apple Pay and bar codes that I can think of.

ID verification in apps
This is where ID in Wallet gets real. Wallet app has TSA airport checkpoint verification built-in but that’s not going to help all the government issuing agencies, not to mention software developers, around the world who want to implement digital ID verification to unlock various digital services.

JR East for example has centered their whole Super Suica MaaS Cloud initiative around ID PORT and the ability to match various region or age based services (discounts, special fares, etc.). In other words JR East and their sub-merchant or local government agency want to know where I live and how old I am. This is all provided on the Japanese government My Number digital identity card launching later this year on Android, and Apple Wallet later on. But I don’t want my personal details going everywhere. If the MaaS campaign app or website only needs to know that I live in Tokyo and am over 60, that’s the only info I want to give them. This is what the new PassKit ID request APIs in iOS 16 do: give apps only the information they need to perform a verification for a service and nothing more.

Key sharing
Nothing big here, but it does address one iOS 15 Wallet shortcoming for home, hotel keys which that could not be shared and expanded share options beyond mail and messages. I’m doubtful Apple includes office keys in the bargain but the fine print reads: available on participating car brands and access properties. We’ll find out when iOS 16 ships.

And then there’s Tap to Pay on iPhone. It’s really not an Apple Pay function to me because it turns iPhone into a very handy and portable NFC payment terminal, but it makes sense branding wise. Just say Apple Pay for making…and accepting payments. Anywhere the merchant has their payment provider POS app and a network connection, they are ready to go. This is big. Apple has lined up an impressive number payment providers in a very short time who are happy to leave all the hardware certification and secure element management to Apple and focus on software. I can practically feel the intense interest from Japan where local payment providers would love to leverage the global NFC capable iPhone for seamless EMV and FeliCa payment services. It could be an interesting Apple Pay year.

iOS 16: missing features in Japan

Any WWDC OS announcement is always a matchup contest of what’s coming for America and what’s missing in other regions like Japan. Let’s take a quick look at what’s coming, what’s not and other quirks on the iOS 16 Preview page.

What’s missing

  • iOS 16 Preview All New Features page
    • As the iOS 16 feature set needs to be pruned for Japan, the iOS 16 all new features page will likely appear later this summer as the beta gets closer to final release.
  • Intelligence
    • Japan is finally getting Live Text. Visual Lookup is still missing but the new, fun to play with Visual Lookup ‘lift subjects from picture backgrounds’ is listed works just fine. It’s great that Live Text supports Japanese but test scans with vertical Japanese text with iOS 16 beta 1 all failed. Hopefully the feature will improve before the final release because Live Text Japanese will be pretty useless without robust vertical text support. And yes it’s depressing to think that iOS and macOS in 2022 still cannot do precise multilingual vertical text selection that QuickDraw GX could do back in 1993.
  • Maps
    • It’s weird that Apple is advertising transit cards and low fare balance warnings as a new Maps feature. I guess it’s new when it’s new for America. Apple Maps has had low fare warnings for Suica since the October 2016 iOS 10.1 update. The add new card part is new either but low fare warnings aren’t working in beta 1. Bottom line: there is no new transit functionality such as granular route selection, sorting etc., thought the UI is improved and more compact. Walking directions have also added elevation information. As Japan is missing from the WWDC22 announced list of countries getting New Maps this year (countries like Saudi Arabia that have yet to see an Apple Maps Image Collection van), Japan will continue to be the Apple Maps challenged country. I’m pretty sure Taiwan will get New Maps long before Japan does, if ever.
  • Apple Pay and Wallet
    • Apple Pay Later is only for America at this point, ditto for ID in Wallet, both missing and no surprise. Order tracking in Wallet is listed for Japan and also key sharing, though BMW is currently the only company offering a digital key for Wallet. Wallet compatible Home-Office-Hotel digital keys have yet to be announced though there are many digital keys on the market for Android.
  • Other things
    • Live Captions, Control Apple Watch with iPhone, Apple News, Weather app minute by minute precipitation are missing. Siri Japanese voice 1, the guy voice, and voice 2 are new and higher quality. Voice 1 sounds more soft and fey to my ear. That’s okay but the previous guy voice was a bit easier to hear outside with ambient noise.

iOS 16 Gallery

Live Text now supports Japanese but vertical text scanning doesn’t work
Live Text Japanese scan in Translation app doesn’t work for vertical text

The Reddit run-down

I joined Reddit for a few months in 2018, mainly to get in contact with FeliCa Dude, but soon left as I found subreddit comment threads a swampy, treacherous place. There was great content in the discussions to be sure but too much of it was people talking past each other than real discourse of thoughtful listening and posting.

Sometimes one of my posts gets linked in a Reddit comment or post. This happened recently when Apple listed Japan for Real-Time transit. I wrote a post outlining why Apple Maps Japan Real-Time Transit is fake and compared it to Google Maps Japan which has had real-time for a while now. Not long after posting that, Apple removed Japan from their Real-Time transit region listing.

That post also experienced a Reddit traffic surge, but until the recent addition of Reddit comment searches it was impossible to find the subreddit generating hits. WordPress stats are worthless and only show generic site addresses, not the individual pages generating incoming traffic.

Recently my AR walking guidance in Japan post got some Reddit hits and, thanks to the much improved Reddit search functions, quickly found the Apple Maps subreddit that linked the post. I also found the earlier post that linked my Apple Maps Real-Time Transit is fake. There was a snarky upvoted comment: “The author constantly shits on everything Apple does and seems to have some sort of axe to grind. I’d take anything he says with a huge grain of salt.”

Fair enough, but the writer of that post created a fake account in my name just to make that one shit post. That kind of unmoderated irresponsible behavior is exactly the reason my stay on Reddit was very short. It illustrates the insular closed-minded side of Reddit brats who, when they don’t like the served food, throw it on the wall instead of trying to understand it, explain what they don’t like about it or how it could be improved. Which is a shame because it mars some very good discussion.

For the record I want Apple Maps to succeed in Japan but I don’t believe that sugar coating problems solves anything. Apple Maps is 10 years old this year but there are deep, long standing issues in Japan which have yet to be fixed. Even in Canada, which has all the latest Apple Maps features from new map to detailed city experience, there are long standing problems.

I’ll continue to occasionally dump on Apple Maps, on the things it gets wrong in Japan, but I do get that people are enthusiastic for Apple Maps in full glory…an Apple Maps for the rest of us, not just America and a few select western countries. I hope it happens.

When will Japan get Apple’s new map? Part 1

Now that new maps for France and New Zealand are in final public testing and almost certainly to be mentioned at WWDC22, there is speculation that Japan is next in line for Apple’s “built from the ground up” new map.

In my opinion, we must not forget Japan. Moreover, I find it difficult to understand the situation in this country. Certainly, Apple has updated this country with very accurate third-party data but it remains a very important country for Apple and still does not have the new map data. So, my list of countries will be Japan, the Netherlands, Belgium, Luxembourg and Switzerland, Austria, Liechtenstein or Sweden.

Reddit user/Apple Maps subreddit

After all, Japan is high on Justin O’Beirne’s list of countries that Apple cares about:

This suggests that Apple’s expansions over the next couple of years are likeliest to include Austria, France, Germany, Japan, the Netherlands, New Zealand, Singapore, Sweden, Switzerland, Taiwan, and smaller countries immediately neighboring them.

With Germany, Singapore, France and New Zealand out of the way is Japan really next in line? Based on Apple’s image collection effort in Japan so far the short answer is no, maybe never…at the current pace. Indeed the situation is difficult to understand.

Image collection in Japan kicked off seriously in April 2019 with the big 1st wave covering cities in the Kanto region (Tokyo, Kanagawa, Chiba, Saitama, Ibaraki) Nagoya region (Nagoya City with a tiny bit of Mie) and the Kansai region (Osaka, Kyoto, Nara, Hyogo, Shiga). Mapped cities are listed in the screenshots below. These were the regions of the Look Around Japan launch on August 5, 2020 JST.

At the time Apple Maps showed a splash screen announcing new features for Japan: Look Around, Improved Map, Landmarks

Indeed the cartography was improved, especially in park areas that finally showed paths and other details instead of big green shapes. However, as Justin O’Beirne pointed out, improved map for Japan was only improved cartography of Apple’s primary map data provider Increment P (IPC), not Apple’s new map (confirmed at WWDC21). Apple was doing a better job with IPC Map Fan data but why did they put so much effort into a short term solution? The answer: the 2020 Tokyo Olympics that were originally scheduled July 25~August 9 before COVID hit.

People outside of Japan think Apple’s 3rd party map data for Japan is “very accurate”, but Japanese do not and neither do I. IPC was sold by Pioneer to a hedge fund in 2021. They changed the company name to GeoTechnologies, stuffed the board with cushy director positions and now market the awful click-bait for points Torima app. The focus of the company is leveraging assets not building them.

The hallmark of GeoTechnologies map data is the blocky ‘swiss cheese’ look of rural areas and the sloppy mismatched cartography of areas mapped at different intervals badly spliced together. Rivers disappear and reappear, wide roads suddenly become goat paths then roads again, half towns disappear along a mapped region ‘fault lines’. Many problems, never fixed.

Nevertheless the Apple image collection beat goes on with annual mapping sweeps, all for Look Around, now also for AR walking guidance. The 2020 run mapped extensions for Hiroshima, Sendai, Takamatsu and Fukuoka cities, the 2021 run mapped the just released exertions for Sapporo, Niigata, Shizuoka and Akashi cities. The 2022 run is the most extensive yet, half refresh of 2019 mapped areas and half new with Okayama, Kita-Kyushu and Kumamoto cities being mapped for the very first time. Unlike the early runs, the later mapping runs are covering entire listed cites instead of limited central areas.

By the end of this year Apple will have completely mapped 4 prefectures: Tokyo, Chiba, Shizuoka, Kyoto. It’s really weird that huge swathes of rural Shizuoka are being mapped ahead of centrally population areas like greater Nagoya, believe me I lived in Shizuoka for 10 years and cycled everywhere except Gotemba, lots of green mountains and little else. Whatever the reasons we have 4 prefectures in 4 years…1 prefecture a year with 43 prefectures to go. That means Japan will be completed mapped and ready for new map in 2065.

In other words, unless things change in a big way, Japan will remain the Apple Maps outliner it is now and new map will remain elusive as the Sea of Japan.

Related: When will Japan get Apple’s new map? Part 2: the private road problem

Big week for Apple Maps Japan: AR walking directions, cycling directions, more Look Around

I should have guessed that when I found the ‘Refine Location’ icon looking at me this morning, something else was up. Indeed, a closer inspection revealed that Apple Maps activated step-by-step walking guidance in augmented reality for the Tokyo area. AR walking guidance has apparently been added for other Look Around mapped regions in Osaka, Kyoto, Nagoya, Fukuoka, Yokohama. There may be others but AR can only be confirmed on site.

It’s good that Apple is finally doing something more with their Japanese image collected data than just Look Around as AR walking guidance needs to be in place for iOS 16 indoor station maps to happen. As Google Maps Live has shown in Tokyo station, AR walking guidance is the perfect fit for a new kind of indoor maps that navigate users through intricate, information dense underground station mazes like Shinjuku, Tokyo and Ikebukuro, the very places where Apple Image Collection backpacks are busy collecting data. Apple is clearly up to something new, we’ll find out at WWDC22.

Impressions
The video at the bottom gives an idea of using it. It certainly has entertainment value but for me there are too many left and right ‘look this way’ prompts to find the AR ‘walk this way’ arrow, even when the route is a simple straight ahead. Even so I can see how AR would be much more helpful than 2D walking guidance. Bad thing: AR guidance is limited to Look Around areas and there are many side streets not covered where AR guidance stops working in the middle of a route. Good things: location recognition is fast, guidance quickly switches back to 2D when iPhone is horizontal and toggles to AR when vertical.

2022-05-27 Update: cycling directions and Look Around expansion
A busy week for Apple Maps Japan, first AR walking directions, 2 days later we got cycling directions and long awaited Look Around expansions to Sapporo, Niigata, Shizuoka and Akashi. Cycling directions are confirmed for greater Tokyo, greater Yokohama, Kyoto and work nation wide. Google Maps Japan cycling directions do not work nation wide and are limited to specific regions.

No guarantee for cycling route quality however as Apple Maps image collection cars have not gone many places yet and image collection in Japan is very limited compared to American and European regions. The 3rd party data Apple uses for cycling has routes on streets clearly not mapped for Look Around yet offers detailed choices for fastest routes, less trafficked routes, routes with no walking sections and so on. One thing’s for sure, Uber Eats delivery part-timers will be happy to have another route direction tool for their work.

This leaves Real-Time Transit, Detailed City Experience and New Apple Map Data as the last big iOS 15 marquee features still missing from Japan. Real-Time Transit has been offered by Google Maps and Yahoo Japan Maps for a while now, and there are plenty of data suppliers too, so it’s likely coming considering the recent false announcement. A detailed city experience for Tokyo is certainly doable but there are deep, long running problems with the basic Japanese map data supplied by GeoTechnologies. Until Apple lines up a new major map data supplier, or seriously ramp up their own data collection and use it beyond Look Around, new maps and detailed city experiences for Japan will remain an elusive goal.

Apple Maps says you can cycle from Kagoshima station to Ibusuki…but would you really want to?