Apple files P2P payments via NFC patent

8 iulie 2015

Apple has filed a patent which uses NFC and Bluetooth technology to enable person-to-person payments between iPhones or Apple Watches. The system would enable users to choose a card from their iPhone’s Wallet, enter the amount they want to pay and then authenticate it through Touch ID. A payment packet would then be transferred over WiFi or Bluetooth, with NFC used to verify the transaction and encrypt the data.

Whether the system ever makes it into the wild and how popular it would be is debatable. PayPal first let iPhone users make payments by bumping handsets together in 2010 but has seen little uptake.


Separately, Apple Pay appears set to launch in the UK next week. A leaked memo from supermarket Waitrose suggests the service will go live on 14 July. The U.K.’s Apple Pay launch will mark Apple’s first expansion of the service outside of the United States. Like in the U.S., a PIN won’t be required for usage, but the launch will include a £20 cap per transaction. However, seems like U.K. systems will be updated in the fall to process higher values. Apple is also currently working on bringing the service to Canada later this year in addition to China and South Korea in the future.

Source: finextra.com, nfcworld.com, http://9to5mac.com/

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Mihai Draghici – CEO PayByFace

„Dupa ce oamenii creeaza un cont PayByFace si au adaugat cardul, selfi-ul si PIN-ul, si au avut un pic de curaj sa se duca sa incerce, daca au incercat o data plata prin recunoastere faciala nu mai folosesc altceva (n.r. ca modalitate de plata). 80% dintre ei numai asta folosesc. Le place la nebunie.” 

Afla aici rezultatele in adoptia platii prin recunoastere faciala.

Sondaj

In 23 septembrie 2019, BNR a anuntat infiintarea unui Fintech Innovation Hub pentru a sustine inovatia in domeniul serviciilor financiare si de plata. In acest sens, care credeti ca ar trebui sa fie urmatorul pas al bancii centrale?