Global NFC FitBit Sense and Versa 3

Who would have thought that team FitBit would beat team Pixel to the market with global NFC devices? That is what happened with the release of FitBit Sense and Versa 3, any device bought in any country can add and use Suica. FitBit Charge 4 was the first device to support Suica but only for certain Japanese models. This means that Android users without global NFC can now add it with FitBit Sense and Versa 3. FitBit was up to the global NFC challenge all along. Going forward FitBit needs to expand Japan payment options to include iD, QUICPay, Waon, Nanaco, Mobile PASMO and NFC Pay.

There is one catch: the device must be registered and the IP address must be in Japan to use Suica. It sounds like Mobile Suica lite is being used. Hopefully the same approach can be employed to launch Octopus on FitBit devices in Hong Kong, there are users there who would appreciate it.

Octopus 2.0

The Apple Pay Octopus launch in June 2020 marked the end of an era of Octopus as the exclusive Hong Kong MTR home grown transit platform, and the start of MTR integrating into China mainland transit fare standards. In August 2020 Octopus Cards Limited announced they would join China T-Union. My take about it and the eventual migration of Octopus from FeliCa to PBOC 2.0, struck a raw nerve and did not go down well with some Hong Kong folk:

Can someone tell the ill-informed, self-centred, attention-seeking blogger to stop spreading fake rumours about octopus ditching FeliCa? Not in this lifetime…The self-proclaimed expert blogger’s been wrong on so many levels I’m amazed people still follow him like religion and never question his fantasy stories. Utterly annoyed by him dropping quotes from people out of context and use them to his benefits.

In April 2021 new OCL CEO Angus Lee Chun-ming said in a South China Morning Post interview that OCL had applied for China T-Union membership as planned, and will launch a dual mode Octopus card for mainland transit use:

“We have applied to join the China T-Union, the nationwide one-card payment system led by the Ministry of Transport. That will enable Octopus physical-card holders to pay for public transport fares in mainland China,”…

The service can be upgraded to digital Octopus cards in the phase two development. “The card will be denominated in Hong Kong dollars. Octopus will arrange the currency settlement with the mainland partner,” said Lee.

A one-card nationwide payment system eh? Sounds like an plug for China T-Union instead of an Octopus presser. Phase 1 is a physical dual mode Octopus card that appears to be 2 separate chips (PBOC and FeliCa) in one card with a common HKD ePurse. This is novel as Greater Bay Area dual mode cards up to now used separate ePurses for each currency. It’s also complicated because mainland transit operators have to do the currency conversion. A digital wallet version is phase 2. The elimination of FeliCa on the Hong Kong side will be the final phase, though that depends on the Ministry of Transport removing the current PBOC restriction that limits it to transit use and T-Union branding issue, or Octopus coming up with something else. We shall see.

On the mobile side Hong Kong iPhone users already have a dual mode Wallet option to add China T-Union cards if they have a China UnionPay credit or debit card. It’s not dual mode on one card and there is an Express Transit issue when turning on a China T-Union card turns off Express Transit for Octopus, but it works.

Dual mode transit cards on Apple Pay don’t exist yet but they are technically possible. Apple Pay already uses dual mode NFC switching for Japanese issue payment cards, FeliCa for contactless use in Japan, EMV for contactless use abroad. Another option might be the multiple secure element domain/multiple NFC protocol support of Mobile FeliCa 4.1 outlined by FeliCa Dude for dual mode transactions using just Mobile FeliCa with NFC-A/NFC-F.

On the transit gate side it will be interesting to see what design MTR uses for multiple protocol open-loop. NFC requires the reader side to specify the NFC protocol used for the transaction. This is a not a problem at store checkout, but how does the user specify the transaction protocol on transit gates? Answer: by tapping different readers. Perhaps the new MTR gates will host a NFC-A reader (EMV and PBOC), a NFC-F reader (FeliCa) in addition to the already separate QR reader? And if those Touchless UWB rumors are true, UWB and Bluetooth could be joining the MTR next generation gate party. One thing for sure, transitions are messy, and expensive.

QR Code Transit on Hong Kong MTR starts January 23 (Updated)

After a very long preparation period QR Code transit on Hong Kong MTR finally starts on Saturday, January 23. The MTR Fan FaceBook page:

Only TWO WEEKS left before the launch of QR code payment on 23 January! For this new service, we have installed about 1,000 QR code scanners at stations and conducted a series of system and on-site tests. Prominent purple signage will also be on display to help passengers identify the gates providing the new service.

This is the debut of MTR ‘open-loop’ ticketing. Up until now MTR used the ubiquitous Octopus card, the trail blazing transit card that showed the world what smartcard ticketing can do when extended beyond transit to include eMoney payments, transforming a transit card into a transit payment platform. Unlike Japan however Octopus Card Limited (OCL) was late bringing Octopus to mobile. Part of the problem was that Hong Kong mobile carriers never had an Osaifu Keitai-like standard that bridged the Symbian and Android hardware eras. OCL also wasted time with SIM card mobile support before finally launching the mobile Smart Octopus service first on Samsung Pay in late 2018, followed by Apple Pay Octopus in June 2020 and Huawei Pay Octopus in December 2020.

But MTR still faces a problem that most Android devices don’t support FeliCa even though NFC-F is supported across all NFC capable devices. It’s the global NFC dilemma best illustrated in the Google Pay on Google Pixel situation: Mobile FeliCa is installed on all Pixel devices but Google only turns it on for Pixel models sold in Japan. There are many takes on the reasons why. My take is that Google doesn’t want to do the all the global NFC OS level support work that benefits all Android manufacturers. Google’s stance is, ‘don’t ask us, roll your own embedded Secure Element (eSE) solution.’ And so it’s a race of how many ‘Octopus on XX Pay’ digital wallet platforms OCL can line up for Android and wearables.

For MTR, QR Code open loop transit sidesteps this Android hardware mess, but will it be a success when users have to open a smartphone app with a face mask on at every gate? Apple Pay Octopus on Apple Watch sure beats that problem and then some. Long term I think NFC wearables and UWB Touchless will be the QR killer. Time will tell.

AliPay HK is the first payment provider, others QR players will be added as they are qualified. The transit gate layout is interesting, QR is limited to purple colored gate lanes shown in a nifty MTR video. This is similar to what JR East will do when they phase out mag strip paper ticketing and replace it QR Code paper tickets. It’s also the layout that Nankai will do when they implement VISA Touch after testing it this year.

The next MTR open loop addition is expected to be EMV+PBOC China T-Union compatibility though MTR has not announced when that will happen. OCL already committed to a new Octopus card that will be compatible with China T-Union.

UPDATE

AliPay mainland accounts can also be used for Hong Kong MTR QR transit.

Apple Pay Octopus Launching in Hong Kong with iOS 13 and Apple Maps Transit Integration

Notice: this post is from June 2019, Apple Pay Octopus launched June 2 2020, latest service launch details here


Octopus Cards Limited announced Apple Pay Octopus on July 11, 2019

Hong Kong iPhone users have waited eagerly for the ubiquitous Octopus transit card to arrive on Apple Pay ever since the first global FeliCa iPhone models were announced in September 2017. They were disappointed when Octopus Cards Limited (OCL) unveiled the first smartphone wallet version of the FeliCa based Octopus as Smart Octopus in Samsung Pay in December 2017, reportedly an exclusive deal. Needless to say, there was no mention of Apple Pay.

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:

Screenshot of live Apple server link JSON code June 25 10:00 am Japan local time, link was terminated by 3 pm

Shortly after the Apple Pay server code leak, OCL officially announced Apple Pay Octopus on July 11.

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 said that Apple Maps Hong Kong transit directions were ready to roll some time ago but was 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.

Global NFC iPhone and Apple Watch
The Apple Pay Octopus device profile is iPhone 8 setup with Face ID or Touch ID/Apple Watch Series 3 and later. iPhone 11 Pro/11/XR/XS have the A12/A13 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/A13 Bionic powered FeliCa performance is also much improved over previous iPhone models because the Bionic Secure Enclave directly handles transactions and bypasses the iOS.

My experience with Apple Pay Suica performance on iPhone 11 Pro has been as fast and reliable as plastic Suica with none of the iOS issues of previous iPhone models, performance on iOS 12.3 was stellar and remains stellar on all versions of iOS 13. Apple Pay Octopus performance on iPhone 11 Pro/11/XR/XS 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.

9/19 UPDATE: Octopus Cards Limited CEO Sunny Cheung said that Apple Pay Octopus will not launch with iOS 13 (September 19 USA/September 20 Hong Kong), but will “start as soon as possible within the year.”

12/19 UPDATE: Apple Pay Octopus has been delayed to later in 2020.

3/15 UPDATE: Apple Pay Octopus reportedly launching with iOS 13.4 followed by Apple Pay Guangzhou, Shenzhen and Foshan China T-Union transit cards.


Related Apple Pay Octopus Coverage
Transit Cards on Mobile (3-7-2020)
Apple Pay Octopus Ides of March (2-21-2020)
Global NFC on iPhone and Android (7-16-2019)
Future of Octopus Transit Platform (6-28-2019)
Octopus Coming to Apple Pay (Initial coverage from 12-18-2018)