Missouri lawmaker's plan could slow down Apple Pay and other mobile payment services

Missouri lawmaker's plan could slow down Apple Pay and other mobile payment services
If a Missouri lawmaker has his way, using Apple Pay and other mobile payment systems will require another step which would slow down the process of tapping a terminal to make a payment. Democratic Rep. Joshua Peters of St. Louis introduced a bill on Wednesday that would require customers paying with a mobile payment wallet app, to show a state driver's license or another state-issued ID before completing the transaction. Cashiers would be required to keep the information in some type of log, or else a store could be financially responsible for a fraudulent purchase.

While Rep. Peters is looking to stop the spread of purchases made with stolen equipment, some mobile payment systems have safeguards. For example, Apple Pay requires the use of Touch ID to verify the identity of someone using the service. And it certainly is a lot easier to forge a driver's license than it is to create fake fingerprints.

While Rep. Peters probably feels like he is doing his community a huge favor, he actually is getting in the way of progress. We'd be very surprised if this bill isn't killed early in the law making process. If the Honorable Representative wants to do some good, how about some laws that make smartphone and tablet theft (which is at the root of fraudulent mobile payment use) a crime that results in a long prison sentence.

source: Fox2, 9to5Mac via Gizmodo



4. Neros

Posts: 1016; Member since: Dec 19, 2014

Don't see anything bad about this bill.

5. Rydsmith unregistered

This will never happen. VISA, MasterCard, Amex, nor Discover require the use of identification when using their card and in fact you cannot require someone to ask for it. MasterCard: "9.11.2 Cardholder Identification A merchant must not refuse to complete a MasterCard card transaction solely because a cardholder who has complied with the conditions for presentment of a card at the POI [point of interaction] refuses to provide additional identification information, except as specifically permitted or required by the Standards. A merchant may require additional identification from the cardholder if the information is required to complete the transaction, such as for shipping purposes. A merchant in a country or region that supports use of the MasterCard Address Verification Service (AVS) may require the cardholder’s ZIP or postal code to complete a cardholder-activated terminal (CAT) transaction, or the cardholder’s address and ZIP or postal code to complete a mail order, phone order, or e-commerce transaction. " VISA: "When should you ask a cardholder for an official government ID? Although Visa rules do not preclude merchants from asking for cardholder ID, merchants cannot make an ID a condition of acceptance. Therefore, merchants cannot refuse to complete a purchase transaction because a cardholder refuses to provide ID. Visa believes merchants should not ask for ID as part of their regular card acceptance procedures. Laws in several states also make it illegal for merchants to write a cardholder’s personal information, such as an address or phone number, on a sales receipt. " So...good luck with that. And on a separate note, how will making the prison sentences for phone or tablet theft stop it? Prisons in America are already over capacity due to meaningless crimes that have very little damage. Yes it would suck to have your phone stolen, but that's what insurance is. By throwing someone in to jail for an extended period of time you're only going to make them a better thief and cause them to continue a life of crime due to a lack of marketable skills.

7. a_merryman

Posts: 749; Member since: Dec 14, 2011

This is good info, thanks. And I can't see how it would help at all, it's not like police are going to start going after criminals for stealing these things. It just isn't a priority for them, nor should petty theft be a top priority for them. If they wanted to cut down on this stuff then Apple and Google should allow me to remotely wipe and "brick" my phone if it has been stolen. Only the user should have access to do this to their phone, not the government or company or other parties. A bricked and unusable phone sells for a lower price, if all phones that were stolen were able to do this it would drive the prices down and make it not worth the effort to steal them in the first place.

12. BuckeyeCadet86

Posts: 78; Member since: Oct 26, 2011

Ummm, Apple does offer this with find my iPhone and activation lock. Google is pretty much there too with Android Device Manager.

14. a_merryman

Posts: 749; Member since: Dec 14, 2011

I know they offer the remote wiping and putting on lost mode, that doesn't brick the phone or make it useless though. I want to be able to turn my phone into something completely useless so it can only be sold for parts, which gets the thief a lot less money. In addition to already being able to wipe it.

15. Rydsmith unregistered

You cannot use an iPhone that has an iCloud account tagged to it. No system wipe or anything will change that.... So yeah...if someone steals it and it's locked it might as well be bricked.

6. darkkjedii

Posts: 31055; Member since: Feb 05, 2011

That sucks, leave ApplePay as the seamless, fast payment system it already is.

9. saucexD

Posts: 62; Member since: Jan 20, 2015

Right on! They really did push the (already existing yet highly ignored, unheard of to the average consumer, and unpopular) mobile payment market to becoming highly popular and widely used. Having NFC is actually -practical- now. Where were the BoA, CitiBank, Chase, etc stampedes of ads on TV, billboards, etc prior to this? Also seamless and fast indeed :) Apple Pay is best pay ;)

11. darkkjedii

Posts: 31055; Member since: Feb 05, 2011

You know it bro, +1 to that.

16. engineer-1701d unregistered

The funny thing is android NFC payments around the queue have been going on for 4 + years with no problem and now they want to do some stupid stuff I bet this is the work of the third party payment card the reason ap and gw don't work in rite aid and other stores that have a deal for there own system, just pay off a congressman like the cable and tobacco/alcohol companies do. They should put people in jail in gov that take money to try and pass laws to benefit greedy companies

10. TechDork

Posts: 402; Member since: May 10, 2010

I haven't been anywhere in my town that uses ApplePay..................that I've seen.

13. darkkjedii

Posts: 31055; Member since: Feb 05, 2011

You should move away from that place in Antarctica then.

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