Multifunction cards and iOS 13 Apple Pay Wallet

Leaks continue as Apple Event Day (September 10) and the iOS 13 release date (September 19) approach. The latest screenshot shows an Octopus Card Limited (OCL) co-brand multifunction credit card.

Octopus multifunction cards are similar to JR East View + Suica cards that combine credit and transit card functions with auto-recharge in one plastic package. When loading multifunction cards into Apple Pay only the credit portion is added. The functionality of the transit card is preserved instead of killing the plastic card altogether, which is the case when regular Octopus or Suica plastic transit cards are added to Apple Pay, a one way trip.

This ‘only adding the credit card to Apple Pay’ feature allows users to migrate back to the plastic combo transit card at any time. These cards are expensive to make and maintain, and card issuers want the full functionality of the card to be preserved. For this reason I doubt the ability to read multifunction cards into Apple Pay will ever happen. It’s far easier to only add the credit card portion and leave the plastic card untouched. The user can easily create a virtual transit card directly in iOS 13 Wallet and link it to the credit card for auto-recharge with the Octopus App or Suica App.

It’s only natural that Octopus multifunction cards join the parent Octopus transit card on iOS 13 Wallet to make one big happy Hong Kong Apple Pay family with multiple Express Transit Card (FeliCa and EMV) goodness. I sincerely hope the EMV Express Transit support shown in the screenshot does not mean that super slow EMV Contactless will be bolted onto MTR transit gates any time soon.

At any rate there should be some other Apple Pay goodies along with the official Apple mention of Apple Pay Octopus on September 10. Enjoy the show.

Update: a Hong Kong reader reached out to inform me that Octopus co-branded credit cards have been available on Apple Pay since the service started in Hong Kong. It’s nothing new. However, the multifunction angle is a new wrinkle when adding the Octopus co-branded cards to iOS 13 Apple Pay Wallet. Hong Kong iPhone users with multifunction Octopus cards will have to create a new Octopus transit card for Wallet use. OCL will undoubtedly update Octopus App with more auto-recharge options that relink the cards in Apple Pay Wallet.

Update 2: more Apple Pay Octopus service details, screenshots and new in development version of Octopus app

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Ride the Rails with Apple Pay Suica and Earn JRE POINT

The enhanced NFC functions of iOS 13 could not have come at a better time for the Japanese market. The great 10% consumption tax cashless experiment begins October 1 when the tax hike becomes effective and the Japanese government starts giving 2%~5% refunds for cashless payments via established card point systems. The ‘My Number‘ Japanese Individual Number card will be a centerpiece for getting those point rebates and the Japanese government has already announced iOS 13 support for My Number card. The whole rebate/refund thing is clear as mud but exciting too. Suica is listed as one of the many e-money cards eligible for consumption tax refunds/rebates. Suica consumption tax point refunds will be delivered via JRE POINT.

JR East added to the excitement today with the announcement that starting October 1 Suica users can earn JRE POINT simply by riding the rails. Mobile Suica transit users (Apple Pay Suica, Google Pay Suica, Osaifu Keitai Suica) earn 1 JRE POINT per 50 yen of IC transit fare, plastic Suica cards earn 1 JRE POINT per 200 yen of IC transit fare.

That’s a huge incentive to drive transit users from plastic Suica to Mobile Suica. The same JRE POINT rates apply to Green Car Seat purchases. And get this, only Mobile Suica Commuter Plan purchases and renewals are eligible for JRE POINT with 1 JRE POINT per 50 yen of the purchase/renewal. This is a sweet deal if your company sponsors your commuter pass. They give you the money, you get the points. Ugh, now I have to hold off renewing my Apple Pay Suica Commute Plan until October 1 but the points are worth going without my commute plan for a few days. JR East’s big push for Mobile Suica over plastic is remarkable and will become a shove when the next generation ‘Super Suica’ format arrives in April 2021.

To earn points the Suica card must be registered to a JRE POINT account. The JRE POINT account setup process has gotten a little more streamlined, and the iOS JRE POINT App a little less clunky over the past year. Mobile Suica and JRE POINT systems are now dynamically linked so you don’t need to worry if the Apple Pay Suica card ID number changes.

Today’s announcement only applies to regular train travel but JR East will be adding a lot more in 2020~2021 as the Super Suica start date approaches: JRE POINT for Touch and Go Shinkansen travel starts with the new JR East eTicket system in April 2020, Round trip fixed travel route coupon-like JRE POINT is due December 2020. And finally, with Super Suica in place, the regular express train/Shinkansen ‘EkiNet‘ ticketing and point system will be rolled into the JRE POINT system. Travelers can then earn and use JRE POINT to purchase regular express train and Shinkansen eTickets and upgrade seats. It will be Apple Pay Super Suica eTicket bliss.

Apple Pay Suica Troubleshooting #3: Recharge hangs and errors

1030/1050/1210/2040 Errors
All Apple Pay Suica recharge errors happen when iPhone has a poor network connection. If Apple Pay Suica Recharge fails or hangs, don’t panic. Cancel the recharge process by hitting the sleep button, then check to make sure iPhone has a robust network connection, sometimes it helps to toggle Airplane Mode on and off to clear a bad connection. Try recharge again.

One important thing to remember is that even if you see a charge on your bank card, it is only temporary and will not be processed. If recharge still fails Suica App may display one of the following error numbers: 1030/1050/1210/2040. Follow these steps to clear the error:

  1. Restart iPhone
  2. Make sure your iPhone has a good network connection
  3. Make sure you are not in the Mobile Suica maintenance window: 2am~5am Japan Standard Time
  4. Open Suica App (you do not need a Mobile Suica account for this operation)
  5. Tap the red explanation point you see on the Suica App card

This will clear most error problems. If it does not clear the problem the next steps are:

  • Make sure you are logged into Apple ID and the iPhone Region is set to Japan
  • Remove Suica from Wallet.
  • Wait 10 minutes.
  • Tap the plus sign.
  • Tap Continue, then tap Suica.
  • The Suica card you removed from Wallet should be showing with the balance.
  • Add the Suica to Wallet.
  • Return iPhone Region to your preferred setting.

In some rare cases you may get this screen when attempting to re-add Suica in Wallet:

This means you made multiple recharge attempts that Mobile Suica needs to clear. Simply wait for the end of the next Mobile Suica maintenance window: 2am~5am Japan Standard Time, then re-add Suica.

Apple Pay on Event Day

Apple Pay is sure to have a segment during the September 10 Apple Event. Here is my roundup of what to expect based on previous coverage.

Apple Card
Apple Card did not get its own press event rollout in August, this will be the closest thing. We will certainly get a feature review and some launch statistics. Long shot call: if lucky we may also get mention of a few more Wallet card feature goodies with the iOS 13 golden master.

Apple Pay for NFC Tags
This was previewed by Jennifer Bailey at her Transact keynote just before WWDC19. There has been no coverage since. NFC Tag Apple Pay works hand in glove with the Background NFC tag reading feature on iPhone XR/XS and later, and the Sign in with Apple feature of iOS 13. The Apple Pay segment makes the most sense for Apple to mention any other products or services that use the enhanced NFC Tag functionality of iOS 13.

The level of global NFC functionality integration across iPhone and Apple Watch is unique. There is nothing on the Android side that matches the seamless combination of Apple Pay Suica + iPhone + Apple Watch, a hardware combination also coming to Hong Kong transit with iOS 13 Apple Pay Octopus. An Apple Watch Series 5 that delivers background NFC tag reading ability integrated with Apple Pay along with Express Transit power reserve would be a very unique feature set indeed.

Apple Pay Transit
Apple Pay Octopus for Hong Kong is on tap for iOS 13, already announced by Octopus Cards Limited. We should get service start updates and details for Octopus, Apple Pay Ventra, EMV Express Transit for TfL. Mentions of Apple Pay myki, EMV Express Transit for LA TAP and more are possible but iffy.

May the NFC be with you.


Bonus iOS 13 Update
Apple’s Where you can ride transit with Apple Pay lists 2 kinds of Apple Pay Transit. Here is a brief explanation of what they mean.

iOS 13 Apple Pay Transit, entries such as Melbourne and Los Angeles will arrive later in the iOS 13 life cycle
  • Where you can use Apple Pay for transit with Express Transit Mode
    ‘A List’ transit that supports both native transit cards (faster than EMV except for China) and EMV style bank cards (slower) for Express Transit.
  • Where you can use Apple Pay for transit without Express Transit mode
    ‘B List’ EMV style bank card transit that requires Face ID, Touch ID or passcode at the transit gate. One benefit of this mode over regular plastic bank cards is that all Apple Pay loaded cards (China again is the one exception, UnionPay all the way) are certified by Apple for the listed transit agencies. This means Apple Pay cards will always work, while plastic versions of the same card sometimes do not.

Bug Bounties, Public Betas and Risk Management

I love Paul Jorgensen’s blog and his unique take on cyber security issues. It is his chosen profession and he was one of the very few to notice and take interest in the August 2017 Google BGP leak that brought down Apple Pay Suica services and major parts of the Japanese internet. He was also one of the few to blog about China Telecom spoofing the BGP protocol to poison internet routes to suck up massive amounts of American and Canadian internet traffic for intelligence analysis.

In his post today Paul quotes Katie Moussouris on bug bounties and risk management. Specifically, relying on public bug bounty programs that just create the “appearance of diligence”:

“This is not appropriate risk management. This is not getting better when it comes to security vulnerability management..

A lot of the patterns [have] not actually shifted that much from where we were when I started out professionally 20 years ago as a penetration tester…

We’ve created a $170 billion industry, which, we’re really good at a few things, security not exactly being one of them. Marketing, definitely.”

As Paul points out, “bug bounties are a tool, but only one tool. And it’s a game, so people will look to take advantage.”

To draw a close analogy I would also say that the public beta approach that Apple now uses for iOS and macOS development is similar in that it just conjures the appearance of diligence, not diligence itself. It creates an atmosphere of reduced expectations, both on the engineering side and the user side: “it’s just a beta, we can still work out the bugs.” I wonder if we would be better off without a public beta, a better developer beta program with robust bug reporting tools might set a higher bar.

As others such as John Gruber have noted, iOS 13 has been one of the buggiest beta development cycles in recent memory. Perhaps I am being nostalgic, but I think when Steve Jobs still walked the halls in Cupertino, his drive to deliver an excellent shipping product, and fear of his wrath when things didn’t measure up, was due diligence that instilled the Apple development culture of that time.

People perceive quality even if they cannot put it into words, the old look and feel thing. As Moussouris points out, marketing is a poor substitute for diligence and quality. The risk of the current environment is that Apple ships software products that have lower expectations which no amount of marketing can make up for.