I wrote in my iOS 12.2 review that the new Wallet changes felt unfinished, and I was right. The constant Wallet UI tweaking of iOS 12.2 continues unabated in iOS 12.3 beta 4 Apple Pay Suica. The biggest changes are the elimination of separate info and transaction screens. All transaction are now on the main screen, and good old blue highlights are back on the card itself, but Wallet still retains the black theme. It still feels unfinished with more tweaks to come. Here are comparison screenshots.
Transaction details now show location details again, as they did up until iOS 12.2 beta 3, but 3D Touch is missing for ‘pop-up’ transaction details, and transactions cannot be swipe deleted like they can in iOS 12.2 (though they can still be swipe deleted in the Suica transaction list in Settings> Wallet> Suica, what gives?). Icon colors are less garish but only come in 2 varieties: transit and everything else. It would make more sense, and be much more helpful, to have at least one more color to distinguish between transit, purchase and recharge.
This constant hit and miss tweaking is very weird for Apple, almost as if the iOS 13 beta process started with Wallet in iOS 12.2. But I think it has more to do with the unfinished state of Apple Card and the new Wallet UI card design that Apple will probably announce for iOS 13. If nothing else it certainly suggests that the Apple Card UI is a rush job for a product that was pre-announced too soon.
Now that full 3rd party NFC access is reportedly coming with iOS 13 tag support for ISO7816, FeliCa and MIFARE, does this mean developers get supercharged Core NFC and PassKit NFC Certificates generously handed out like condoms at a gay sex party? Probably not, the only new things in the rumors are ‘full access’ and ‘ISO7816’, but let’s take a look at some possibilities based on the 3 NFC Forum defined NFC Modes: Card Emulation, Reader/Writer and Peer to Peer.
It’s useful to remember that A12 Bionic powered iPhone is one of the most compelling ‘Global NFC’ devices on the market, with all the important technologies in one package sold everywhere: NFC A-B-F hardware and EMV, FeliCa, MIFARE, PBOC and VAS (value added service protocol) software. Android is fragmented, especially when it comes to FeliCa support.
The big frustration for developers has been that iPhone NFC is all dressed up with no place to go. iOS 12 NFC supports Card Emulation and Reader/Writer but severely limits the Secure Element access necessary for Card Emulation with NDA covered PassKit NFC Certificates, while Core NFC is a limited Reader/Writer Mode sub-set.
The Apple Card UI and Wallet UI design language in iOS 12.2 and later, is so different from the rest of iOS 12 that I’m surprised nobody in the Apple tech blog space has picked up on it yet. There are lots of useful card options and information, like EMV Transit Card option in iOS 12.3 for Portland TriMet, that can be piped into Wallet cards from the card provider cloud, instead of sitting in a separate app. Customized dynamic card artwork, such as individual Suica card names and commute plan routes displayed on Suica cards in Suica App for example, would be great to have in Wallet.
I do have one request for the iOS 13 Wallet UI: please integrate the separate iPhone and Apple Watch Wallets into a single Wallet. It’s incredibly convenient to control all card options on iPhone instead of fiddling with the tiny Apple Watch screen to recharge a Suica card for example. Suica App manages separate Suica cards on iPhone and Apple Watch incredibly well in one place. It is a super convenient design.
Easy Card Emulation: I am less sure how Apple plans to make card emulation easier for developers:
New functions in PassKit that do more
Less stringent and easier to obtain PassKit NFC Certificates
A combination of the two or
Something new altogether
I hope for a combination approach that keeps everything secure while making it easy for developers to add all kinds of non-EMV cards to Wallet, the major categories include…
Regular Reward Cards: There are tons of these everywhere. My real wallet has JRE POINT, WAON POINT, Tomod’s, plus a crazy collection of stamp/point cards. How nice it would be if it was super easy for developers to add these to Wallet.
ID Cards: This is where ISO7816 tag support fits in. Contactless Student ID cards in iOS 12 were a MIFARE only custom in-house job, transit cards without transit, by Apple in cooperation with Blackboard. Hopefully Apple will greatly extend ID card support in all NFC flavors for many companies and institutions, for all manner of ‘company only’ Wallet ID cards.
Android has a huge advantage over iOS because Android apps have the NFC access to do what they want. From RFID Insider:
Below are all the abilities/formats available for writing to a tag:
Business Card Link/URL Wi-Fi Bluetooth Email Telephone Number Geo Location Launch an Application Plain Text SMS
A fully functional Core NFC could do all this, but the important question is how would Apple want to do all this. NFC tags are great technology but they remain deeply geeky for the majority of users. The key is making NFC tags as friendly, easy and secure to use as Apple Pay. This is exactly what Apple plans to do.
The easiest way to think of it is that instead of tapping a reader to pay with Apple Pay, NFC tags for Apple Pay turns iPhone into a reader, in other words iPhone is all you need to Apple Pay at the store.
What does this sound like to you? Yep, this is exactly what QR Codes do and NFC tag Apple Pay is aimed right at the ‘but the store doesn’t need an expensive NFC reader to use QR’ sweet spot that QR Codes have occupied up to now. NFC tag Apple Pay levels the play field, neatly eliminating the QR advantage while offering security that QR Codes cannot match.
Peer to Peer
iOS 12 does not support NFC Peer to Peer. I don’t see that changing in iOS 13 if it can’t be part of a new Apple Pay service. AirDrop already works well across devices that do not have NFC capability. That’s probably enough real world peer to peer for most people.
The Apple Pay theme for WWDC18 was ‘move Passes into Wallet, get rid of the QR Codes and replace them NFC.’ The new Apple Card UI improvements in Wallet and NFC tag support suggest the Apple Pay theme for WWDC19 will be: ‘move card functionality out of apps and into Wallet cards with new iOS 13 PASSKit controls, or get rid of apps altogether and replace them will all kinds of NFC enabled cards and NFC tags.’
It certainly makes sense. Apple Pay is NFC for the majority of iPhone users, the NFC thing that people use. Apple devoting iOS resources into making card emulation easier and better for 3rd party developers to add all kinds of cards to Wallet, and migrate functions out of separate apps to the Wallet card itself, will give the most bang for the development buck. NFC tag Apple Pay will finally bring NFC tags into the mainstream while eliminating the remaining advantages of QR Codes. It’s going to be a very interesting WWDC for all things Apple Pay.
Using the Apple Card flavored Suica UI and redesigned Wallet of iOS 12.2 these past few weeks has been weird but instructive. The UI still feels like it dropped into iOS 12 from somewhere else, Samsung One perhaps? But since the Apple Card announcement, I think we are seeing a preview of what’s coming in iOS 13, and Apple Pay Suica Transit Card in iOS 12.2 is the first iteration of a fuller design and feature set for Apple Pay Wallet cards of all types in iOS 13.
Even in the official iOS 12.2 release, Suica Card has an unfinished feel. Early iOS 12.2 beta builds had a 3D Touch feature for transactions that disappeared before the final release but is shown in the Apple Card video. There is also a strange Suica Card info refresh action that does absolutely nothing because in it’s current state, there is no information to pull down from Mobile Suica. Suica Service Mode remains the only way to force refresh Suica balance and transaction information, which is local to the device, if they fail to update automatically. The empty refresh action seems like a placeholder for something coming later: highly detailed transaction and summary updates pulled from the card provider cloud.
So what can we expect for iOS 13 Apple Pay cards and Wallet? A quick look at the Apple Card design shows detailed location aware transaction information, balance due, payment options and information summaries and more. Jennifer Bailey has expressly said that Apple Pay is not about disrupting the credit card industry so I don’t think Apple wants to keep these things exclusive to Apple Card. I expect the WWDC iOS 13 announcement and sessions will unveil new Wallet controls for developers to add those features to Apple Pay Wallet cards.
The more features and information that reside on the Wallet card itself instead of launching an app, the better. It’s a trend I hope Apple will encourage by offering more NFC access and control to 3rd party developers. If NFC is getting major improvements in iOS 13 as Guilherme Rambo says, I think the Apple Pay sessions at WWDC19 will be a good show.