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

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The end of just “Apple Pay”: iOS 13 and multiple Express Cards

Express Transit Card for transit cards and Express Mode for Student ID cards in iOS 12 are kind of a mess. They are the same option for the same thing with different names in different places. Express Mode for Student ID is on the card itself, while Express Transit is in Wallet settings.

Express vs Card Clash

Prepaid cards, stored value (SV), present a problem for Wallet. SV cards in Wallet want to be exactly like they are in plastic, tap and be done without any authentication. But what happens when Wallet has multiple SV cards, each one wanting to be an Express Transit or Express Mode card? The fine print on Use Express Transit with Apple Pay illustrates the messy dilemma and limitations of iOS 12 Wallet: you can set one payment card and one transit card per transit network, except for China which doesn’t allow EMV Express Transit at all.

The fine print on Apple Support

In this scenario an Apple Pay user can set both a HOP card and a payment (credit/debit) card to use on Portland TRiMet. What happens at the transit gate if the iPhone user also has a Student ID card in Wallet with Express Mode turned on? Apple Pay HOP and Student ID card are both MIFARE cards, the payment card is EMV. If TriMet has their backend system act together and are using the latest NFC chip sets from NXP, the gate reader will call up the HOP card and ignore the others. Everything ‘just works’, the user is on their way.

If the transit fare system is not configured correctly, or uses outdated technology, the same Apple Pay user ends up with ‘card clash’ at the transit gate. Instead of automatically selecting the HOP card, the gate says, ‘give me a NFC card’ and Apple Pay goes into default mode that completely ignores Express Transit: the user has to unlock the device then manually select and authenticate a card with Face ID/Touch ID.

Multiple Express Cards in iOS 13 Wallet

There are major Japanese eMoney prepaid cards on Android Osaifu Keitai and its candy wrapper cousin Google Pay that are missing on Apple Pay: WAON, Rakuten Edy and nananco. One ‘missing on Apple Pay’ reason is that iOS 12 Apple Pay Wallet lacks a smart way to deal with multiple Express Transit and Express eMoney Cards. Wallet can hold multiple Suica cards but only one of them can be Express Transit. It’s the same deal for every eMoney card.

This started to change in iOS 12.3 with the addition of Express Transit with Payment Cards. The massive rebuilt of iOS 12.3 Wallet means that iOS 12.3 is basically iOS 13 Wallet already, and the heavy work continues with the temporary removal of Payment Card Express Transit in iOS 12.4 Public Beta.

iOS 13 Wallet will complete the journey, hopefully delivering a vastly improved and unified Wallet UI that elegantly solves the multiple Express Transit/Express Card issue, and eliminates card clash. At a transit gate the user should only have to tap, at checkout the user should only have to select a payment logo on a screen or tell the sales clerk Suica, Mastercard, etc., and pay.

The end of paying with just “Apple Pay”?

More payment options in iOS 13 Apple Pay Wallet will present users with a problem: more choices. Telling the sales clerk “Apple Pay” does’t work anymore except in regions where bank cards remain the only Apple Pay option. In Japan, Apple Pay users already say Suica, iD, QUICPay or NFC Pay. Hong Kong Apple Pay users will have the option to use Octopus or bank cards, and so on.

As Apple Pay matures with more payment options and services, it starts to resemble our real overstuffed wallets. 30 years of using a Mac has not organized my work life one bit. In the long run, I doubt Apple Pay will organize my wallet life any better, but it’s a hell of a lot more fun to use.

Full coverage on the WWDC19 iOS 13 Apple Pay Wish List

Dynamic Apple Pay Wallet Cards in iOS 13

Recent changes in iOS 12 Apple Pay Wallet are fascinating and unusual. iOS 12 started out with Apple Pay Suica Express Transit performance problems all over the place. By iOS 12.3 Express Transit issues were fixed with stellar performance, a new EMV Express Transit option was added, and Suica card had a whole new design that I call Apple Card Suica because it incorporates UI elements from Apple Card.

This is unusual because big changes like that are for big updates like iOS 13. I guess Apple decided not to wait for iOS 13 to roll out Apple Card, and made big changes to Wallet starting in iOS 12.2. It will be interesting to see what new Apple Card Wallet functions are offered to developers at WWDC19. My take is that developers will get to do all the things Apple Card does because Apple wants to encourage developers to migrate useful functions out of apps and into Wallet cards.

The dynamic Wallet card art of Apple Card is especially fascinating. One of the problems with static card art in iOS 12 Wallet is it doesn’t do anything and gobbles up precious screen space. Apple Card dynamically changes colors to give the user important information. This dynamic function is very useful and solves some Wallet UI problems.

Suica Commuter cards in iOS 12.3 don’t have enough space to display ‘Add Money’ and ‘Renew’ buttons on the main card along with the commute route. Instead, users have to dig down a level to find them along with the commute plan expiration date. Add Money, Renew, commute plan route and expiration date are important card items that need to be on the main card screen.

Dynamic card art elegantly solves this problem. Suica App already does this in the app by displaying the commute route and commute plan expiration date on the virtual Suica card, just like it does on plastic Suica. Dynamic card art in iOS 13 Wallet would be the perfect solution, all the important items fit on the main card screen. Card art is finally useful and saves screen space instead of wasting it.

Full coverage on the WWDC19 iOS 13 Apple Pay Wish List

Apple Pay Suica on Apple Watch: First Impressions

Now that iOS 12.3 is out with great Apple Pay Suica performance and no more bugs, I have a new side project: Apple Pay Suica on Apple Watch. I moved my daily Commuter Suica to Apple Watch and it’s an interesting experience. Some first impressions.

  • Apple Pay Suica performance on watchOS 5.2.1 on Apple Watch Series 4 is great, but not as great as iOS 12.3 on iPhone XS. Because A12 Bionic removes the iOS overhead for Express Cards with power reserve, Apple Pay Suica on iPhone XS/XR feels light and snappy like a plastic Suica card. I can’t wait for Express Cards with power reserve on Apple Watch.
  • Suica Recharge on Apple Watch sucks and I have discovered how wonderfully useful Suica App really is. I have a Commuter Suica on Apple Watch and a My Suica on iPhone. Both of these can be recharged and managed (with different credit cards attached to each Suica!) in Suica App. It’s super convenient and has opened my eyes to a major Apple Pay Wallet design weakness: iPhone Wallet and Watch App Wallet should just be one thing that manages all of my Wallets cards on both devices in one place. Apple Watch Wallet is great, in a pinch, but it’s a lousy UI experience for managing transit card options and Suica Recharge. Apple Pay transit prepaid card users access those card options far more than credit cards. I added a unified Wallet request for iOS 13 to the Apple Pay WWDC19 wish list.
  • Suica Reminders for low balance and commuter plan renewals are another Apple Watch weak point. They don’t exist. Suica App to the rescue again with Notification Sounds. The 3 beep Suica low balance reminder (¥1,000 or less) works everywhere and is a life saver. It’s far more attention grabbing than Apple Pay Suica Notification Center reminders on iPhone.

A true story: I was buying lunch at a family owned Daily Yamazaki convenience store. You might know the kind, a Showa style convenience store stocked with Yamazaki breads, homemade sandwiches and bento, usually run by an older couple, a store from a different era that will unfortunately disappear.

I bought a bento and paid with Apple Pay Suica on Apple Watch. The Suica 3 beep low balance reminder sound from the reader caught the attention of the owner who looked to be in his late 70s. “Suica works on that? It’s so small.” I assured him Suica worked on Apple Watch.

He smiled and said, “That’s really convenient. You’ll never lose it or have to find it when it’s on your wrist.”

It is indeed.

More Apple Pay Suica Wallet UI Tweaks for iOS 12.3

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.