As I wrote previously, “if you are using iOS 12.3, you are already using iOS 13 Apple Pay Wallet.” The major under the hood Wallet changes of iOS 12.3~4 were completed ahead of iOS 13 for the Apple Card rollout that is coming very soon. For Apple Pay Suica users, and Express Transit users everywhere, the solid Express Transit performance of iOS 12.3~ iOS 12.4 and the UI, are exactly what you get in iOS 13. There is nothing new, a good thing.
The only changes are Suica Notifications which have lost 3D Touch shortcuts for Recharge and Commute Plan Renewal. Since 3D Touch is on the chopping block in iOS 13, this is not unexpected, but it is unfortunate: the recharge shortcut was handy and finally useful with the robust iOS 12.3 Suica Recharge performance. Suica Notifications are still a work in progress however, witness the useless ‘In Transit’ Suica notification, hopefully shortcuts will reappear in some form before the final release.
One downside of breaking a tech story on the internet is news aggregator sites. Responsible tech news sites like MacRumors and AppleInsider post outside sourced news that serves their readership and sends traffic to the original source. And then there are not so nice aggregator operations posing as news sites like The Verge, TechCrunch and 9to5Mac who craft crappy posts, lifting whole chunks from outside stories, or simply lifting without attribution, minimizing any outside contribution to keep traffic on their own site.
MTR will begin accepting QR code payment starting from next year and the rail operator will also add more contactless payment systems on its gates in future. For commuters, Octopus Card will no longer be the only choice for MTR payments…
<It> is becoming clear that <OCL> needs a new business model to maintain its market-leading position. Using a specific card for payment is no longer a modern way of payment. The core issue for Octopus is transform into something bigger, moving beyond the current payment functions and offer a lot more, perhaps even a mobile banking service, to retain users.
JR East has taken a very different approach. Suica is a central business pillar and JR East will be expanding it with the next generation Super Suica in April 2021. Suica will gain the ability to virtually host other transit card under the same Suica umbrella on plastic and on mobile. Think of it as a national transit and payment card with Express Transit anywhere, anytime. How fascinating it would be if Octopus had a similar kind of opportunity to expand outside of Hong Kong.
Even from the short vantage point of 2.5 years since the launch of Apple Pay Suica, it’s already easy to see the charges that it has brought to the Japanese payments market. It will be interesting to watch the changes that Apple Pay Octopus brings to Hong Kong.
After Apple and OCL set things in motion in December 2018 with tests for a tentative Chinese New Year launch but then put things on hold, Hong Kong iPhone users are finally getting their wish: Octopus on Apple Pay will launch in Hong Kong with iOS 13. The iOS 13 beta contains specific Apple Pay Octopus references along with Apple Pay server side references (link now closed) which indicate that OCL is field testing with the latest beta:
Suica Similarities Octopus is based on the same FeliCa technology used for Suica and both cards are very similar. Octopus is used extensively for fast transit and contactless payments of all kinds. According to Wikipedia there are over 33 million Octopus cards in circulation as of 2018 used by 99 per cent of Hong Kong residents. The addition of the Octopus transit payment platform to Apple Pay will drive its adoption in Hong Kong far more than regular credit/debit cards can ever accomplish, as it has in Japan with Apple Pay Suica.
The digital Smart Octopus in Samsung Pay is very similar to Apple Pay Suica, with fast Express Transit-like use and performance, but the setup is a little more user friendly for inbound visitors: a new virtual Octopus card can be created directly in Wallet without using a separate app like SuicaEng or HOP App. You can transfer a plastic Octopus card, but just like Suica and HOP, the plastic card cannot be used after transfer, and the same virtual card can only be used on a single device at a time. The Apple Pay Octopus experience will be the same and Express Transit a given.
Apple Maps Transit Integration Earlier Apple Pay Octopus reports mentioned Hong Kong Apple Maps Transit launching at the same time. Sources confirmed that Apple Maps Hong Kong transit directions were ready to roll a long time ago but have been held back for a simultaneous release with Apple Pay Octopus. It makes sense for Apple to offer both services as an integrated whole as they did for the Apple Pay Suica launch. If the Japan launch is anything to go by, confirmation won’t come until very late in the beta test cycle, if at all, Transit will simply appear.
Global FeliCa iPhone and Apple Watch The Apple Pay Octopus device profile will be the same as Suica: iPhone 7/7 Plus purchased in Japan (models A1779/A1785), iPhone 8/8 Plus, iPhone X, iPhone XS/XS Plus, iPhone XR set up with Face ID or Touch ID, and Apple Watch Series 3 and later. There is a chance that iOS 13 will retroactively enable FeliCa for all iPhone 7 models to support the Apple Pay Octopus launch.
The iPhone XS and XR models have the A12 Bionic exclusive Express Transit with power reserve feature that gives users an additional 5 hours of Express Transit use when iPhone in low battery power reserve mode. A12 powered FeliCa performance is also much improved over previous iPhone models. My experience with Apple Pay Suica performance on iPhone XS has been as fast and reliable as plastic Suica with none of the iOS issues of previous iPhone models, performance on iOS 12.3 is stellar. Apple Pay Octopus performance on iPhone XS/XR models will have the same advantages.
Hong Kong iPhone X users need to be aware of the iPhone X NFC hardware problem found on early production devices that causes endless issues with Apple Pay Express Transit. Apple has quietly provided replacement Revision B iPhone X devices for users who experience Express Transit gate errors in Japan and China. Hopefully Apple will offer the same courtesy to Hong Kong iPhone X users who encounter the issue.
The First Transit Platform Business Model The Hong Kong Octopus card was the first real transit platform (contactless transit and eMoney) that had a tremendous impact on the development of Transit for London (TfL) Oyster card, Opal in Australia and other transit card fare systems around the world. It’s great for Hong Kong users that OCL is expanding the Octopus platform to include more digital wallets. I hope OCL continues to expand both the service on other digital wallets, and the business opportunities. For Apple this is an important opportunity to kick Hong Kong Apple Pay use into high gear and will certainly drive Apple Pay credit/debit card use on the recharge end far more than regular bank card Apple Pay, last but not least it’s a vindication of Apple’s global NFC “it just works” anywhere vision for Apple Pay.
Apple Pay Suica on A12 Bionic iPhone XS/XR is different from other devices because basic FeliCa transactions bypass iOS and go directly to the Secure Enclave. You can see this in action with Express Transit power reserve, but if you observe carefully you can catch it in other ways.
I caught a glimpse today buying ice coffee at a JR station NewDays shop (supplied by Doutor btw). I was recharging Suica with Apple Pay and forgot it was still processing when I touched iPhone XS to the reader. The payment went through without a problem, the recharge completed a few seconds later.
Is this a iOS 12.4 beta thing or did A12 Bionic iPhone do this all along? I suspect it did all along and makes sense: the payment transaction bypassed iOS which was busy processing the Apple Pay recharge and wasn’t ready to post a balance update to the Secure Enclave. Prepaid and postpay processing at the same time…very interesting.
Most people think all Express Transit is the same, but Suica Express Transit prepaid is very different from EMV Express Transit postpay. Suica settles the transit bill in less than 200 milliseconds (ms) locally right at the transit gate, while EMV Express Transit leisurely (500 ms) tells the gate, ‘I am bank card XXX, put it on the bill’ for settlement later between the bank and the transit agency. For EMV there is a lot of backend system work to make that happen, and even then the user sometimes has to tap twice: