Payments 2.0
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Payments 2.0
Digital wallet, Mobile payments, Contactless payments, NFC payments, Mobile wallet, Mobile POS, Bill payments, Bitcoin, Virtual currency
Curated by Therese Torris
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Australian watchdog comes down on Apple's side in bitter bank dispute over NFC access

Australian watchdog comes down on Apple's side in bitter bank dispute over NFC access | Payments 2.0 | Scoop.it
Australian banks are set to lose their bitter struggle to win collective bargaining rights over NFC access to iPhones as the country's anti-trust regulator issues a draft determination in favour of Apple.
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bitter loss
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Apple Reportedly Partnering Visa, MasterCard, AMEX for iPhone 6 digital wallet

Apple Reportedly Partnering Visa, MasterCard, AMEX for iPhone 6 digital wallet | Payments 2.0 | Scoop.it
The countdown to Apple’s event on September 9, where it will almost certainly announce the next iPhones, has started — and rumors are increasingly piling up. The latest is that Apple will... Keep reading →
Therese Torris's insight:

including NFC and fingerprint authentication

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Apple awarded patent for EasyPay in-store wireless payment technology

Apple awarded patent for EasyPay in-store wireless payment technology | Payments 2.0 | Scoop.it
Apple's patent collection is a little larger today after the company was awarded a patent for its EasyPay solution, which allows customers to scan and buy items from physical stores ...
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Mobile Payments Battlefield: Tech vs. Finance by Javelin Research [FREE WEBINAR]

Square. Paypal. Apple. Isis. Google. These are the names dominating the press when it comes to mobile payments. One major problem: the majority of these companies are unsuited to negotiate the nuanced waters of bank-grade finance and risk management...

 

Therese's comment: this is  free Webinar with Beth Robertson, Director of Payments Research at Javelin Research and Carl Tsukahara, Group Head Marketing at Monitise. I like the provocative way in which the topic is formulated. It sould be quite interesting.

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A tale of two iPhones — what an NFC-equipped iPhone would do to the mobile ... - VentureBeat

A tale of two iPhones — what an NFC-equipped iPhone would do to the mobile ... - VentureBeat | Payments 2.0 | Scoop.it
[...] One of the big iPhone rumors (don’t worry, it’s not a stylus) is whether or not Apple will go “all in” on the payments game. It’s set itself up pretty well with its Passbook app, which is designed to store all kinds of information from plane tickets to loyalty cards, but not optimized to let consumers actually complete the act of paying for something...

Therese's comment: rumors and speculations are heating up! Apple IOS market share is rock solid and any move from Apple is decisive for the future of mobile payment solutions
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Apple investigating first in-app payment breach - Mobile Entertainment

Apple investigating first in-app payment breach - Mobile Entertainment | Payments 2.0 | Scoop.it

9to5mac first revealed that Russian hacker Alexey V. Borodin created an online service called In-Appstore.com to [....by-pass..] Apple’s authentication servers...

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Inside Apple's Approach to Mobile Payments

Inside Apple's Approach to Mobile Payments | Payments 2.0 | Scoop.it

A look at Apple's decision-making on mobile payments ... Apple often takes towards new markets.While Apple has revolutionized a number of industries—from music to mobile phones—it isn't often the first mover, choosing instead to wait for others to work out the kinks in a market.

 

Comment: Interesting insights into Apple's decision to hold back on NFC payments even tough it holds several patents in the field: financial, security concerns...

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Banks face competition on mobile wallets: study - CNBC.com reporting on a study Carlisle & Gallagher

Banks face competition on mobile wallets: study - CNBC.com reporting on a study Carlisle & Gallagher | Payments 2.0 | Scoop.it

.. More than half of the consumers interested in paying for goods with their smart
phones do not want the service provided by their main bank, according to a study
due on Monday.Eight out of 10 consumers said they would consider online payment provider PayPal Inc, owned by eBay Inc, for services that turn smart phones into payment devices, according to the study by the Carlisle & Gallagher Consulting Group. Six in 10 would use Google Inc, while five in 10 would use Apple Inc.

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iBanking Apple's next big play? - Stuff.co.nz

iBanking Apple's next big play? - Stuff.co.nz | Payments 2.0 | Scoop.it

THE iPURSE: It is estimated that the mobile payments industry will be worth US$1 trillion by 2015. Tap. Tap. Tap.

 

Comment: Love the graphics

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Apple Awarded iWallet Patent

Apple Awarded iWallet Patent | Payments 2.0 | Scoop.it

Apple has been awarded an "iWallet" patent that, among other things, would link mobile payments to your iTunes account.

 

Noted: Already posted, but the news will continue to trigger reactions.

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Apple granted major patent for iWallet, drawings depict iPhone with NFC, transactions via iTunes billing backend | 9to5Mac | Apple Intelligence

Apple granted major patent for iWallet, drawings depict iPhone with NFC, transactions via iTunes billing backend | 9to5Mac | Apple Intelligence | Payments 2.0 | Scoop.it

...the United States Trademark & Patent Office awards the company a major patent grant covering the intricacies of the iWallet. According to PatentlyApple, this invention is supported by as much as 23 patent claims and dates back to the first quarter of 2009, indicating just how important it must have been to Apple....

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Visa Europe to Test Dongle-Based iPhone NFC Mobile :Payments

Visa Europe surveyed 4200 people in four different European nations and found that 57 percent of iPhone users among the respondents said they'd "definitely" or "probably" use Visa's mobile payments platform on their iPhone if they could.
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Apple May Enter P2P Mobile Payments Fray

Apple May Enter P2P Mobile Payments Fray | Payments 2.0 | Scoop.it

Apple reportedly is in negotiations with several major banks to launch a peer-to-peer mobile payment system that would compete against rival digital payment companies, including PayPal and Square.

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Apple enters competition for personalized in-store shopping with iBeacon Rollout

Apple enters competition for personalized in-store shopping with iBeacon Rollout | Payments 2.0 | Scoop.it
2014 could be a big year for shopping companion apps thanks to Apple.
Therese Torris's insight:

iBeacon is all the rage

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Apple patent covers hidden biometric sensor, fingerprint tech for security & wallet applications

Apple patent covers hidden biometric sensor, fingerprint tech for security & wallet applications | Payments 2.0 | Scoop.it

9to5mac: With Apple’s $356 million purchase of mobile security firm AuthenTec, for its nearly 200 patents covering fingerprint and sensor technologies, there has been a lot of talk about how Apple mig...

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SEC filing fans rumors of mobile wallet for iPhone 5 - Network World

New SEC filings suggest Apple pushed hard to quickly close either a licensing or acquisition deal with embedded security vendor AuthenTec, leading a range of bloggers and pundits to conclude that Apple plans to introduce AuthenTec's fingerprint sensor in the upcoming iPhone 5, and possibly a full digital "wallet" capability. [...]

The fingerprint sensor, many speculate, will be a key part of a full-fledged mobile "digital wallet" using a near-field communication (NFC) radio link to trigger purchases by...
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Apple NFC speculation revived by Authen Tec acquisition

Apple NFC speculation revived by Authen Tec acquisition | Payments 2.0 | Scoop.it

Summary: Speculations that Apple is investing in the NFC payments capabilities have been reignited by the companys recent acquisition of the biometrics authetication firm, Authen Tec -- which is interpreted as a building block of a contactless payment solutions.

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BII REPORT: How (only) Apple Can Make Mobile (contactless) Payments Real

BII REPORT: How (only)  Apple Can Make Mobile (contactless) Payments Real | Payments 2.0 | Scoop.it
It's about network effects....

Comment: claims that ONLY Apple could make contact less payments happen. I changed the title to reflect that statement
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Apple’s Passbook Could Be A Platform, Not Just Another Mobile Payments Rival | TechCrunch

Apple’s Passbook Could Be A Platform, Not Just Another Mobile Payments Rival | TechCrunch | Payments 2.0 | Scoop.it

At this week’s WWDC, Apple introduced a new application called “Passbook,” meant to function as an organizer for all your passes. It supports store cards, gift cards and coupons out of the gate, replacing their plastic counterparts, and providing an Apple-approved way to get consumers paying at checkout with their mobile phones. At first glance, it seems that Passbook’s launch is bad news for mobile wallet players like Square, PayPal, and others.

But it might actually represent an opportunity for everybody else...

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Apple blocks Flattr micro-payments - CNET via Pulse

Apple blocks Flattr micro-payments - CNET via Pulse | Payments 2.0 | Scoop.it
The iPhone maker rejects a donation-focused third-party payment system, saying it violates the App Store's terms and conditions. But does it actually have more to do with competition? Read this blog post by Dara Kerr on Apple.
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Google Wallet heading to Apple iOS devices? • NFC World

Google Wallet heading to Apple iOS devices? • NFC World | Payments 2.0 | Scoop.it
Mobile security specialist Intrepidus Group says it has uncovered mention of iOS in the source code for Google Wallet, suggesting that the search giant could have already developed a version of its mobile wallet that could run on NFC-enabled Apple...
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Google Aims To Convince Mobile Game Makers On In-App Payments - paidContent.org

Google Aims To Convince Mobile Game Makers On In-App Payments - paidContent.org | Payments 2.0 | Scoop.it

Google will this week try to convince mobile game developers to adopt its improved in-app payments features, as it vies with Apple on the biggest...

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NFC vs. cloud-based payments: Which will reach scale first?

NFC vs. cloud-based payments: Which will reach scale first? | Payments 2.0 | Scoop.it

Summary: This article and the short video that goes with it describe some of the hurdles NFC-based and Cloud-based mobile payments face as they try to achieve scale and build an ecosystem. The conclusion is wait and see: Apple's iPhones could be decisive fo NFC.

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MasterCard Emerging Payments Chief Hints Apple Looking Into Smartphone Contactless Payments | Fast Company

MasterCard Emerging Payments Chief Hints Apple Looking Into Smartphone Contactless Payments | Fast Company | Payments 2.0 | Scoop.it

"I don't know of a handset manufacturer that isn't in process of making sure their stuff is PayPass ready," says Ed McLaughlin, head of emerging payments at Mastercard."

 

Comment: No new here. I don't know an m-payment vendor who's not making sure it is Apple ready ;-)

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