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Comment by gruez | Hacker News Reader

>The reason for this is that if the car gives people the ability to start a trip with a phone, it's dangerous to assume they'll always carry a keyfob as a backup.

How's this any different than say, not bringing your wallet with you, because 95% of the time apple pay works, and then getting mad at the shop/credit card company/apple when the payment terminal randomly decides to not accept apple pay? Not to mention there are plenty of other ways a phone can fail. It can fall into a toilet, you can drop it and the screen cracks, etc. By not carrying the keys, you're rolling the dice every time.

>Just like I don't carry two car keys.

That all depends on your risk appetite. I normally wouldn't carry money in my socks, but if I'm in a foreign country I very well might. Likewise if I'm going on a road trip where I might be days away from home, I very well might bring a second key, in case i accidentally lock one in the car or whatever.

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ApplePay doesn't communicate with Apple through your phone, it presents the card details as a contactless EMV transaction through the card reader, so it's pretty much spot on as an example of how this should work.

Just so you know, EMV can work entirely offline if you need it to, because the reader has the public keys that the card requires to authenticate and vice-versa. ApplePay uses the same NFC standard as regular EMV contactless cards to communicate, it just happens to be a powered microprocessor instead of a radio-powered microprocessor but that's about the only difference. The smart card standard is really old and covers the exact use case of "what happens if I need to use this thing without the Internet because the Internet wasn't ubiquitous when it was developed.

Back when I had an Apple Watch, I failed to use Apple Pay on it enough times due to it being stuck in an "Updating cards" mode, so GPs "95% of times it works but sometimes you need a fallback" rings true to me.

That's surprising. Of all the Apple Watch's many failings (such as its hilariously bad transcription) I've never had Apple Pay not work flawlessly on it. One of the main reasons (the other being the "make my phone loudly beep" button) I even bother having one, the rest of the features being so underwhelming for its price.

It's very different, because you aren't moving from car to car. You're using your car with your digital key. There is no expectation of things changing. Rightly so.

> How's this any different than say, not bringing your wallet with you, because 95% of the time apple pay works

Apple Pay involves at least a third party (your bank) as a part of its function. This entity has to be reachable.

Unlocking my car needs me, and my car.

> when the payment terminal randomly decides to not accept apple pay?

I would be justified in being mad if, randomly, my BMW car would decide to not accept a BMW key (virtualized or otherwise).

> Not to mention there are plenty of other ways a phone can fail. It can [...]

"I will not accept this Euro bank note. You could have dropped it into the gutter on your way here, so it's strange for you to be mad at me if you don't have a backup."

> Apple Pay involves at least a third party (your bank) as a part of its function. This entity has to be reachable.

No it doesn't. It has to have a recent token, and if it does not it will contact your bank.

The point isn't that it's fine for smartphone car keys to randomly fail, it's that there's plenty of other reasons they can fail that you're already living on the edge if all you're carrying is your phone. Therefore the "it's dangerous to assume ..." claim doesn't hold.

> there's plenty of other reasons they can fail that you're already living on the edge if all you're carrying is your phone

I see what you're arguing, but I just want to point out 2 things:

1. If I leave the house for a trip (especially a distant trip) with just my phone, I and anyone would understand intuitively my own responsibilities: namely, to keep my phone intact and its battery from draining completely. Since I already have a strong interest in both of these for other reasons, this is basically automatic anyway, and a backup plan for the latter is completely doable - I'd have to drop $20 on a gas station phone charger and hang out somewhere for 10 minutes while it goes from 0->6% or whatever. Anyway, if I understand my responsibilities like this, I'm able to make an informed decision on whether to trust it.

2. If we're victim-blaming here, saying "Serves him right, should have carried the keyfob as a backup" that renders it pointless to even have phone-as-key. The fob not having to be in your pocket or handbag is the only benefit. Unless, I suppose, you consider phone-as-key as the actual backup, for use only in the case you drop your keyfob into a storm drain. But that isn't how it's marketed at all. In my entire life, I've literally never lost my car keys, because they just stay in my pocket the whole time I'm away from home. So I'd value a 'phone-as-backup' at $0.

Apple Pay even works if the phone/watch battery is "dead"

Only for Express Transit though, right? Not normal payment cards.

A lot of people do not carry wallets anymore. A lot of people are not accustomed to thinking about those sorts of lists.

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