myki transit card expanding to Apple Pay

The Open Loop lovin’ NFC Times (paywall) reports that with the successful launch of myki on Google Pay, Public Transport Victoria (PVT) has allocated 1 million AUD to expand the virtual myki transit card to other digital wallet platforms, like Apple Pay and Samsung Pay.

Anyone up for taking bets on who gets it first?

UPDATE: It looks like Apple Pay is the winner when iOS 13 ships this fall

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WWDC19 Apple Pay Scorecard

NFC technology lineup in iOS 13

Now that WWDC19 is over, here’s a look at the scorecard compared with the WWDC19 Apple Pay wish list. iOS 13 Core NFC gained Read/Write support for NDEF, FeliCa, MIFARE, ISO 7816 and ISO 15693. This means that iOS 13 apps can finally support contactless passports, drivers licenses, retail and manufacturer vicinity NFC tags, transit ticketing, badging, and much more. For developers this is a huge and welcome development.

The details are interesting. On the MIFARE side, Ultralight, Plus and DESFire are supported, the security weak Classic is not. FeliCa is there of course, but the weird thing is that all devices from iPhone 7 and above are supported. You might remember that from the Apple Pay point of view iPhone 7 is not a global FeliCa iPhone, but it is from a iOS 13 Core NFC point of view. I guess FeliCa support on all iPhone 7 models was really there all along, Apple just didn’t tell us…until now.

WWDC is all about developers so there was no marketing mention of the new iOS 13 Core NFC enabled NFC tag Apple Pay that Jennifer Bailey showed at Transact last month. It makes more sense to mention new services like that with new products at the fall event.

The Apple Card rollout due this summer is a head scratcher. There was nothing new for PassKit or Wallet at WWDC19, but there are lots of things Apple Card can do in Wallet that other cards, as yet, cannot do. It feels too big and important for just a press release and a new web page. And yet, by itself, it’s too small for a full blown Apple event. I think the Apple Card rollout is going to be a very interesting release for all things Apple Pay.

HCE Secure Element in the Cloud is pie in the sky

Stefan Heaton’s blog piece “The reason Mobile myki isn’t available on iPhone… yet” is all the proof you need that Google inspired endless nonsense with Android Pay HCE support. This was shortly after the NFC “secure element” wars were over, with embedded Secure Element (eSE) on SIM cards losing out to eSE on smartphone chips. A secure element in the cloud approach seemed like it would solve everything, except that it didn’t.

myki is MIFARE which has never been compatible with HCE. Neither is FeliCa, which Google Pay users outside Japan assumed would work for Suica until they found out HCE-F was dead in the water and lost their shit.

What nobody has said, and I think it’s worth pointing out, is that the Android Pay to Google Pay shift was also a break with HCE and Google providing, or pretending to provide, a secure element strategy for all Android licensees. Instead, Google is focused on Pixel and their own eSE, all other Android licensees and manufacturers be dammed and left to find their own solutions. I guarantee you that, in time, Google will be doing most, if not all, of the same security hoops that Apple does now, for Google Pay card emulation (not host card emulation) for Google Pixel platform eSE access.

So yes, Apple does limit NFC Secure Element (implemented in the A Series Secure Enclave) access with PassKit NFC certificates. But Apple Pay MIFARE is real MIFARE, and Apple Pay FeliCa is real FeliCa. Public Transport Victoria (PTV) can apply for a myki card PassKit NFC certificate just like any developer. And for goodness sake Stefan, stop writing sentences that confuse Express Transit payment cards (EMV credit/debit cards) with regular Express Transit cards (FeliCa, MIFARE, PBOC). Suica is not a credit card and emulating EMV at a transit gate doesn’t automatically make a credit card into a Apple Pay Suica transit card, not by a long shot. If your aim is promoting open loop over closed loop, that’s one thing. Either way, your LinkedIn blog post is not doing your LinkedIn resume any favor.

UPDATE: Yep, myki is coming to Apple Pay, nothing to do at all with HCE support.

WWDC19 Keynote and Apple Pay

There hasn’t been a single Apple Pay mention in tech site iOS 13 feature roundups for the WWDC19 keynote. I think there will be a few. The WWDC19 Apple Pay wish list includes developer stuff to be covered in sessions. The keynote short list is…

New ‘Apple Card’ Wallet UI
Apple Card UI goodies are available to all iOS 13 Wallet cards.

NFC tag Apple Pay
Shown by Jennifer Bailey at the closed session Transact keynote last month, NFC tag Apple Pay is an important new development for the platform.

Apple Pay Transit
Apple only mentions Apple Pay Transit when they are planning to add new transit cards or new transit systems. In this scenario Express Transit support on TfL would only get a mention if Apple Pay Oyster is coming, which it is not. Nevertheless I think transit will get a mention for 2, possibly 3, new additions coming after the iOS 13 release:

The WWDC19 keynote is June 3, 2019 at 10:00 a.m. PDT

Tweet of the day: I want my Oyster

Reports of the Apple Pay EMV Express Transit option coming to TfL in ‘coming months’ notwithstanding, it does nothing for the many TfL users who need to use Oyster. Oyster card on Apple Pay and Google Pay is kinda like Brexit, endlessly discussed but never decided. TfL would like to get rid of Oyster altogether, I imagine the banks like it that way. Hoping that EMV will evolve and fix things is wishful thinking. Either way a decision has to be made at some point about native Oyster on digital.