Patent shows how Apple Pay could automatically select a card based on the user’s location

12 aprilie 2021

Apple Pay users could be able to make contactless payments and other transactions with merchants or transit providers without having to manually select the correct payment, rewards or transit card or other digital credential from within their mobile wallet, according to That search for the right card could be a thing of the past.

In essence, the patent granted to Apple by the U.S. Patent and Trademark Office on Tuesday titled „Location-based credential selection for wireless transactions,” suggests that a device like an iPhone could automatically present the correct credential or payment type for a nearby terminal. It does so by detecting a nearby terminal using radio technologies, such as ultra-wideband, to determine relative distance and to confirm the type of terminal being used.

The selection could be made based on the specific type of terminal being used, such as one used by transit authorities for train payments, which could trigger a regional transit pass to be used for fast-tracking purposes. A terminal in a supermarket may automatically trigger the use of a rewards card.

It could even be feasible for such a system to allow specific payment cards to be used in certain stores. For example, a credit card that provides bonuses for purchases from one retailer could be favored for such a transaction over others.

While this could be automatic, Apple includes the possibility for the system to alert the user to the type of card, pass, or other credential being used, to prompt a confirmation for a transaction to take place, or to authenticate the user for a payment.

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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.


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?