If our speculation pans out... it would have extra work to do with respect to securely storing payment card info and the fingerprint reader. It would make sense to have them all in one chip, that way even with the full system compromised by hypothetical malware, your "card" data is safe. Design it such that once payment data is programmed in, the phone can never request it back from the chip, period. All the chip will do is allow the negotiation of one payment per finger scan via NFC.
btw thank you boozie, those are exactly the pictures I was thinking of.
The package depicted in the image is the Authentec 2750 "smart sensor" as alluded to here. Notice the area forward of the unidentified package is wide and short, likely matching the dimensions of the "smart sensor" (13.5mm x 3.0mm). The front face of the image depicts an unusually rough surface on the right side of the device (as the device faces the user) directly over the presumed "smart sensor" which would explain the modification to the front (FaceTime) camera placement. One of the key marketing points of Authentec's "smart sensors" is their ability to use highly durable materials to protect the sensor array. In fact, the "ultra-hard surface coating offers >9H scratch hardness for >10 million rubs." (1)
According to a press release in May 2012, "The AES2750 is available now in an over molded 19-ball BGA and in production volumes." (1) Due to the ongoing negotiations with Apple, someone could be forgiven for assuming the press release to be a negotiating tactic.
Apple has carefully detailed their patents for iWallet (and iWallet Parental Controls) and iTravel to include not only NFC but Bluetooth as well. Further fueling the speculation that Apple may prefer Buetooth 4.0 rather than NFC (near field communications), Apple joined the board of directors of the Bluetooth Special Interest Group in 2011. The failure of Google Wallet to energize and invigorate the mobile payment market adds further evidence that NFC may not be the right technology for mobile payments. If Apple were to enable the acceptance of mobile payments via Bluetooth 4.0 on the new iPad and the iPhone 4S they would instantly have millions of deployments of mobile payment-ready devices with many retailers already using Apple devices as a retail point-of-sale system including Lowe's, Old Navy, and many others.
Why? People already have their cards registered with iTunes. It would be easier to give, let's say passbook, the permission to use iTunes as a means of payment. All it needs is ones verification to start with.
Some of us have more than one credit card and may use a different card depending on the merchant. Also, some credit cards give more cash/points/miles back on certain categories of purchases; this is based on the merchant type, which would likely be masked with iTunes as an intermediary.
Merchants have a credit card processing agreement with a bank. This probably wouldn't include iTunes as a method of payment, at least at first.
But sure, Passbook would be the logical interface here. It could contain one or more virtual credit cards, and iTunes payments could be another option for some merchants.
This isn't news... Blackberry had NFC in it's smartphones first...What is news is that the next version of iTunes will have to manage payments that we will make with our iPhones. And that'll be a painful experience unless they build it into Passbook on the phone... Surprisingly I think they'll just put Passbook on the iTunes Sidebar whenever the phone is plugged in.
It would be really nice to be able to use NFC or Bluetooth to make purchases. The user would have multiple credit cards available that they have programmed and can just select one and scan their finger to authenticate the purchase. It would also be nice to use fingerprint instead of typing in your password every time on iTunes and the app store. But I'm not sure fingerprint scanner tech will be on the new iPhone. It seems like it was too rushed
The Japanese have been paying for things with their phones for years, so I hope this is true. If it is however, it will need to work with the existing JP standards - Suica and Pasmo.
It would be really nice to be able to use NFC or Bluetooth to make purchases. The user would have multiple credit cards available that they have programmed and can just select one and scan their finger to authenticate the purchase. It would also be nice to use fingerprint instead of typing in your password every time on iTunes and the app store. But I'm not sure fingerprint scanner tech will be on the new iPhone. It seems like it was too rushed
Although the decision seems rushed, the decision was not.
Apple has several patent applications (which were only recently approved) related to mobile payments dating back to at least 2008; including the so-called "iTravel" patent (filed in 3Q2008) and the so-called "iWallet" patent (filed in 1Q2009).
The reason the decision seems too quick is because Apple wanted a non-exclusive, (potentially) perpetual, world-wide license for AuthenTec's AES2750 fingerprint sensor but the price was higher than Apple was willing to pay after several rounds of negotiation. Apple had already paid AuthenTec $27.5 million for the non-exclusive license as well as another $7.5 for one-time engineering services. "... According to the filing, AuthenTec first began floating a new technology to "several leading consumer electronics companies," likely including its existing component customers Alcatel-Lucent, Cisco, Fujitsu, HBO, HP, Lenovo, LG, Motorola, Nokia, Orange, Samsung, Sky, and Texas Instruments... " "... Negotiations between AuthenTec and Apple began in February 2012 and initially involved a licensing agreement that attempted to hammer out how much of its Intellectual Property AuthenTec would make available to Apple, and how much of its engineering resources would be devoted to developing the technology to fit Apple's needs..." - from previous AppleInsider articles
In fact, the object many claim is a NFC chip is not a NFC chip. The object is almost certainly the AuthenTec AES2750 which is obvious if consideration is given to both the odd "cut-out" (as some describe the appearance) of a short, narrow area on the front of the new iPhone as well as the odd rough surface (rather than Gorilla Glass like the rest of the front surface) placed directly over the odd "cut-out." An embedded fingerprint scanner on the top right front surface of the new iPhone also explains the need to move the headphone jack and the FaceTime camera.
Comments
Quote:
Originally Posted by bluefish86
If our speculation pans out... it would have extra work to do with respect to securely storing payment card info and the fingerprint reader. It would make sense to have them all in one chip, that way even with the full system compromised by hypothetical malware, your "card" data is safe. Design it such that once payment data is programmed in, the phone can never request it back from the chip, period. All the chip will do is allow the negotiation of one payment per finger scan via NFC.
btw thank you boozie, those are exactly the pictures I was thinking of.
#next_pages_container { width: 5px; hight: 5px; position: absolute; top: -100px; left: -100px; z-index: 2147483647 !important; }The package depicted in the image is the Authentec 2750 "smart sensor" as alluded to here. Notice the area forward of the unidentified package is wide and short, likely matching the dimensions of the "smart sensor" (13.5mm x 3.0mm). The front face of the image depicts an unusually rough surface on the right side of the device (as the device faces the user) directly over the presumed "smart sensor" which would explain the modification to the front (FaceTime) camera placement. One of the key marketing points of Authentec's "smart sensors" is their ability to use highly durable materials to protect the sensor array. In fact, the "ultra-hard surface coating offers >9H scratch hardness for >10 million rubs." (1)
According to a press release in May 2012, "The AES2750 is available now in an over molded 19-ball BGA and in production volumes." (1) Due to the ongoing negotiations with Apple, someone could be forgiven for assuming the press release to be a negotiating tactic.
Apple has carefully detailed their patents for iWallet (and iWallet Parental Controls) and iTravel to include not only NFC but Bluetooth as well. Further fueling the speculation that Apple may prefer Buetooth 4.0 rather than NFC (near field communications), Apple joined the board of directors of the Bluetooth Special Interest Group in 2011. The failure of Google Wallet to energize and invigorate the mobile payment market adds further evidence that NFC may not be the right technology for mobile payments. If Apple were to enable the acceptance of mobile payments via Bluetooth 4.0 on the new iPad and the iPhone 4S they would instantly have millions of deployments of mobile payment-ready devices with many retailers already using Apple devices as a retail point-of-sale system including Lowe's, Old Navy, and many others.
1. Brent Dietz. Published 8 May 2012. AuthenTec, Inc.: AuthenTec Introduces New Fingerprint Sensor Targeted for Secure Mobile Payment Transactions. 4-traders. Retrieved 27 August 2012.
#next_pages_container { width: 5px; hight: 5px; position: absolute; top: -100px; left: -100px; z-index: 2147483647 !important; }
Quote:
Originally Posted by jay-t
Why? People already have their cards registered with iTunes. It would be easier to give, let's say passbook, the permission to use iTunes as a means of payment. All it needs is ones verification to start with.
Some of us have more than one credit card and may use a different card depending on the merchant. Also, some credit cards give more cash/points/miles back on certain categories of purchases; this is based on the merchant type, which would likely be masked with iTunes as an intermediary.
Merchants have a credit card processing agreement with a bank. This probably wouldn't include iTunes as a method of payment, at least at first.
But sure, Passbook would be the logical interface here. It could contain one or more virtual credit cards, and iTunes payments could be another option for some merchants.
And put passbook credit card and payment options in the settings app.
The Japanese have been paying for things with their phones for years, so I hope this is true. If it is however, it will need to work with the existing JP standards - Suica and Pasmo.
Quote:
Originally Posted by Timbit
It would be really nice to be able to use NFC or Bluetooth to make purchases. The user would have multiple credit cards available that they have programmed and can just select one and scan their finger to authenticate the purchase. It would also be nice to use fingerprint instead of typing in your password every time on iTunes and the app store. But I'm not sure fingerprint scanner tech will be on the new iPhone. It seems like it was too rushed
#next_pages_container { width: 5px; hight: 5px; position: absolute; top: -100px; left: -100px; z-index: 2147483647 !important; }Although the decision seems rushed, the decision was not.
Apple has several patent applications (which were only recently approved) related to mobile payments dating back to at least 2008; including the so-called "iTravel" patent (filed in 3Q2008) and the so-called "iWallet" patent (filed in 1Q2009).
The reason the decision seems too quick is because Apple wanted a non-exclusive, (potentially) perpetual, world-wide license for AuthenTec's AES2750 fingerprint sensor but the price was higher than Apple was willing to pay after several rounds of negotiation. Apple had already paid AuthenTec $27.5 million for the non-exclusive license as well as another $7.5 for one-time engineering services. "... According to the filing, AuthenTec first began floating a new technology to "several leading consumer electronics companies," likely including its existing component customers Alcatel-Lucent, Cisco, Fujitsu, HBO, HP, Lenovo, LG, Motorola, Nokia, Orange, Samsung, Sky, and Texas Instruments... " "... Negotiations between AuthenTec and Apple began in February 2012 and initially involved a licensing agreement that attempted to hammer out how much of its Intellectual Property AuthenTec would make available to Apple, and how much of its engineering resources would be devoted to developing the technology to fit Apple's needs..." - from previous AppleInsider articles
In fact, the object many claim is a NFC chip is not a NFC chip. The object is almost certainly the AuthenTec AES2750 which is obvious if consideration is given to both the odd "cut-out" (as some describe the appearance) of a short, narrow area on the front of the new iPhone as well as the odd rough surface (rather than Gorilla Glass like the rest of the front surface) placed directly over the odd "cut-out." An embedded fingerprint scanner on the top right front surface of the new iPhone also explains the need to move the headphone jack and the FaceTime camera.
#next_pages_container { width: 5px; hight: 5px; position: absolute; top: -100px; left: -100px; z-index: 2147483647 !important; }
#next_pages_container { width: 5px; hight: 5px; position: absolute; top: -100px; left: -100px; z-index: 2147483647 !important; }
#next_pages_container { width: 5px; hight: 5px; position: absolute; top: -100px; left: -100px; z-index: 2147483647 !important; }