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Apple job posts point to built-in NFC capabilities for iPad / iPhone
Ladies and gentlemen of the, ahem, jury, we intend to show -- through rumors and circumstantial evidence -- that Apple might very well be building Nexus S-like NFC capabilities into next-generation iPhones and iPads. We present for your consideration exhibits A, B, and C: three Apple job posts, seeking two managers of global payment platforms and one test engineer for iPhone hardware. According to the original post, the right engineer possesses a background in both ICT (information and communication technology) and RFID (radio frequency identification), which forms the basis for NFC. Suspiciously, Apple removed the "ID" in "RFID" sometime in the past 24 hours. Still not convinced of Apple's NFC involvement? Consider this: Apple's manager of global payment platforms is tasked with contributing "to the analysis and development of new payment types and processes." Okay, so there's not a smoking gun in sight, but a little innocent conjecture never hurt anybody.
iPhone 5 and iPad 2 will come with NFC built in, suggests well-connected analyst
You'll no doubt be aware of our (well justified) distrust for anything that passes a tech analyst's lips, but this time's a little different. Richard Doherty of Envisioneering Group cites "engineers who are working on hardware" for Apple's latest project in asserting what that project actually is: NFC capabilities are apparently being built into the next generation of iPhone and iPad devices. Contactless payments via NFC have been steadily building up in hype and adoption recently -- at least in the western hemisphere, the stuff is commonplace in Japan -- and Doherty predicts Apple will make its move into the field with some new hardware and an accompanying "revamp" of iTunes. The idea would be to allow the use of iTunes gift card balances and the credit card info Apple already has from you to make swiping payments at compatible retail outlets. Apple is said to be planning enticements, like loyalty credits and points, to get you using its service in the place of the competition, and there are already a couple of software patent applications from the company detailing other potential uses for the technology. All of which could mean absolutely nothing, of course, but this seems like an awful lot of smoke for there not to be a fire under it.
McDonald's to start accepting contactless Visa payments in all UK restaurants by this summer
The UK already has a big old investment in contactless technology with London's rather successful Oystercard travel scheme, but now the whole Kingdom can get a taste for airborne payments thanks to a new initiative from McDonald's and Visa. The two giants of commerce are uniting to bring NFC tech to all of the former's 1,200 fast food restaurants within the UK, allowing hungry Brits to pay for meals costing up to £15 by simply waving their credit card in front of the till Obi-wan-style. Of course, the real excitement of such large-scale NFC proliferation is in the potential to use those automated tills with your Nexus S (which has an NFC chip built right in) and other devices coming up this year that look set to feature the technology. So yeah, Visa had better be working hard on putting together some mobile apps. [Thanks, Steve]
Google building its own NFC-based payments system?
Can't say we're surprised to hear this at all, but Bloomberg BusinessWeek says Google's working on its own NFC-based mobile payments system. That makes perfect sense, given that Eric Schmidt has been enthusiastically extolling the virtues of NFC since just before Google launched the Nexus S -- which, of course, features an NFC chip. BusinessWeek says the system might launch as early as this year, although we think Google's got plenty of infrastructure work to do first -- and it's facing plenty of competition from the likes of Verizon, T-Mobile, and AT&T, who are launching their own Isis payment system, as well as direct device competition from RIM and Apple. Should get interesting -- we'll see if we hear anything at CES this week.
Angry Birds dev Rovio rolling out in-app payment platform with carrier integration
We're sure Finnish software shop Rovio is looking for every way imaginable to capitalize on the immense success of the Angry Birds franchise, and part of that will apparently involve in-app purchases, presumably to buy and download additional content on the fly -- but it sounds like they won't be using any third-party frameworks to do that. Instead, the company's putting together its own micropayment framework and partnering up with carriers to cut them in on the profit, turning first to Finnish network Elisa with new content for Angry Birds' Android build in early 2011. Rovio's saying that other developers are going to be welcome to use the system, and that they've seen "strong interest" for the product, presumably over the prospect that carriers will have an opportunity to profit off an app ecosystem that they've been largely shut out of thus far. Frankly, we wouldn't mind paying 99 cents just to get past a couple levels in the original Angry Birds at this point.
Dynamics' credit card-based computing platform makes what little money you have more secure (video)
Some folks are trying to replace your credit card with your cellphone, while Dynamics, Inc. is among those trying to make credit cards better. And you know what? We seldom get excited by such things, but this video from the CES New York press preview has us seriously itching to upgrade our plastic. Card 2.0 is the computing platform powering the new Citi cards that re-write the magnetic strip depending on whether you want to spend you cash or your rewards points. The technology fits snugly in your credit card, is waterproof, has a battery life upwards of four years, allows multiple accounts on a single card, and even can be used to require a PIN before displaying the card number. This is some pretty awesome stuff indeed -- but don't take our word for it! Get a peep yourself in the video after the break. [Thanks, Dave]
AT&T, T-Mobile, and Verizon announce Isis national mobile commerce network
Just in time for the total economic collapse of Europe and the rise of the cyber-nomadic tribes, the kids at Discover, Barclaycard, AT&T, T-Mobile, and Verizon have a name for their mobile phone-based payment system: Isis. Essentially it remains what we heard from Bloomberg a few months back: a system for using an app on your phone to send payments to a POS system using NFC technology. The Isis team thinks it has "the scope and scale necessary to introduce mobile commerce on a broad basis," and we wish them the best. But we know how it all ends anyways: with the lucky among us dead, and the rest of us living in caves, hiding from death-dealing robots, and bartering for what we can't scrounge from the ruins of our once-great cities. PR after the break.
Square card reader: Now anyone in the US can accept credit cards
Headline updated to acknowledge that Square is a US-only service for now. Remember the Square card reader and payment service from our first hands-on video in January at Macworld Expo 2010? Square makes it possible for anyone, whether an individual or small business, to take payments via credit card. Shortly after Macworld Expo, I signed up for the service; I finally received my free credit card reader yesterday. The reader is a tiny square box that plugs into the audio port on iOS devices or other smartphones. Rather than using an expensive (usually $75 or more) "sled" reader like those used in Apple's retail stores, Square developed a reader that did not use the dock connector or need the blessing of Apple's "Made For iPhone" certification. These readers have no moving parts and are so inexpensive to manufacture that Square can give them away. Anyone can sign up for the service and get a free reader. If you want to be able to split a bar tab with friends and have them pay you via credit card, you can get a Square account and reader, and then simply swipe your friends cards to get paid. Square takes 2.75% of the transaction + 15¢ per swipe if you can get your drunk friends to provide their finger-written signatures, and 3.5% + 15¢ if they don't sign. Does that sound like a lot? To an individual, it might, but to small businesses who are used to hefty sign-up fees, monthly account minimums, merchant account fees, and higher percentages, Square is a hell of a deal. %Gallery-106879%
Redemption credit card puts points toward purchases, is destined to frustrate
Look up. That credit card right there is a brilliant concept that'll likely cause quite a few headaches in practice. Dynamics, which makes its ends by coming up with new ways to get the general populace into more debt, has just made public its Redemption payment device -- a newfangled card with a few LEDs, selectors and the ability to let users put their earned points toward any given purchase. The idea goes a little something like this: you roll up to the Old Navy checkout counter, remember that you have 4,300 points logged, and decide that you'd like to cash 'em in towards the purchase of your new threads. You tap the "Request Rewards" side of your card, swipe it and watch as your points balance and total monies owed dwindles. Currently, Citi is trialing these with a small group of consumers, with a larger US trial expected to get going next month. There's no mention of how the LEDs stay lit (or how the battery stays charged), nor any indication of how long these selector buttons will hold up over time. We also have no idea how you'll be able to easily check your point balance or split payments between points and dollars, but hey, at least there's a beautiful opportunity here for an accompanying mobile app. %Gallery-104451%
Nokia teases Swipe NFC payment system for digital receipts, warm eco-friendly feeling
Now that Nokia's gone all-in with NFC and announced that it'll be blanketing its entire smartphone line with the technology next year, it's gotta do something cool with it -- after all, simply turning a phone into a digital wallet is so 2009! That seems to be where Swipe comes into play, a new software stack Espoo is teasing this week that integrates NFC payments with instant digital receipt uploads to your phone -- instead of getting a printed copy -- which boosts your treehugger street cred by leaps and bounds. Perhaps even cooler, though, the system reads the receipt once it's back on your phone and makes a note of the product's return period so that it can remind you when time's running out, perfect for getting maximum usage out of that N8 before flipping it back from whence it came. If we had to guess, this might be unveiled in full at Nokia World, which just happens to kick off tomorrow -- and we're on the scene for all the unexpectedly drama-packed action, so stay tuned. Meanwhile, follow the break for the full teaser video.
Visa gets Bank of America on board for mobile payments trial, starting in New York next month
It didn't take long for Visa to react to the three-headed beast of AT&T, T-Mobile and Verizon entering the mobile payments arena. The world's foremost payment processing company has just announced that it's about to start a trial of its contactless payment system in partnership with Bank of America. Kicking off in the New York area this September and lasting through the end of the year, the scheme will most likely involve the MicroSD NFC communicator and In2Pay iPhone case that DeviceFidelity has been developing for Visa. No disclosures are being made on the size of this pilot scheme, though we're told that only a "select" group of employees and customers will be getting the mobile payment chips. Don't worry if you miss out on this one, though, as a similar trial is scheduled to begin in October with US Bancorp. That should give you enough time to turn yourself into a high-rolling select customer, right?
Square payment system is coming back in full force by 'late summer'
Unsurprisingly, given the small company and big ambitions behind the project, the Square mobile payments system got off to a shaky start earlier this year. Hardware shortages were resolved relatively quickly, but setting up the proper fraud prevention infrastructure without transactional limits -- which, shockingly, were disfavored by merchants -- threatened to shelve the little credit card reader for a long while. Not to worry, though, as today the Wall Street Journal has word that Square is looking to be back in business, kicking ass and taking card numbers, before the summer is through. We're now at an advanced stage of said season, so it shouldn't be too long before those dongle-assisted microtransactions start flowing again.
AT&T, Verizon and T-Mobile team up to transform your smartphone into a credit card
Contactless payments made using your phone are hardly a new idea in themselves, but when three of the big four US carriers decide to unite behind it, the time might have come to start paying closer attention. Bloomberg reports that AT&T, Verizon and T-Mobile are about to test the NFC payment waters with pilot schemes in Atlanta and three other cities, potentially aided by partnerships with Discover Financial Services and British bankers Barclays Plc. This would require all-new readers for merchants and embedded NFC chips in phones, but we reckon plenty of people might be happy to pay a small premium to streamline their lives that little bit more and leave the plastic behind. Either way, Visa's nascent attempts at conquering the mobile just got themselves a big old cabal-sized competitor.
Square working on 'a credit processing and risk issue' before shipping more card readers
If you've tried to get in on Square's mobile payment system, you know that a critical part of the whole setup is the tiny credit card reader that plugs into your phone's headphone jack -- and in all likelihood, you don't have it. The company just sent out a message to those who've signed up for their service today, saying that a prior hardware shortage is resolved but that it's only half of the problem; the other half, and arguably a more serious one, is that the company needs to find a way to "handle the huge demand for readers and still manage the risk of chargebacks and fraud." So far, those risks have been mitigated by setting limits very low, but customers have apparently complained that they're too low, which is requiring a "rethinking and expanding" of the company's underwriting. Everyone's being assured that they'll be good to go once this whole process is over and clients go through a credit check -- but in the meantime, Square readers might be a little scarce, so it's back to IOUs and pocket change for a while. See the full letter after the break.
Square payment system launches on iPad
The wait is over. The app that blew us away at Macworld Expo, Square, has finally launched...on the iPad. Originally developed and advertised as an iPhone app, Square hit shelves this morning as a fully-optimized iPad app. Now customers can install Square on their iPads, effectively turning them into flat black cash registers. While we loved the preview of Square on the iPhone, it's another ball of wax on the iPad. The extra room and gorgeous UI make it look more professional, plus there's plenty of room for signatures, images and more. The "receipt" itself is much more legible. I can easily see this sitting on a dock or being carried around by a merchant. The free app includes a dongle that plugs into the iPad's headphone jack, which means you can still use the app while the iPad is docked. This speaks directly to what I said about the iPad yesterday: Its "killer app" is potential, the blank slate it offers to developers. For many customers, this app will be a game-changer.
Boxee unleashing one-click Payment Platform this summer
Free (legal) TV, minimal advertising and a slick, usable interface... too good to be true? Yes, of course. Boxee's solving for the future with its newly announced Boxee Payment Platform, which will arrive this summer. Users will be able to buy shows, movies and channels with "one click on the remote," with content owners having control over package types (pay-per-view, subscription) and prices. Boxee will naturally be taking a cut, but says it's lower than the now de facto 30% cut of app stores. Boxee sees this co-existing with free, ad-supported content, authenticated stuff like TV Everywhere, and of course regular Cable, Satellite and IPTV providers. We suppose the real testament to Boxee's success in pulling this off will be the variety, quality and price of the content it obtains -- we can already get a smattering of shows and movies on iTunes, Zune and PSN, but if Boxee can get us more, make it easier, or charge us less, it's going to be hard to complain about that funky little Boxee Box taking up valuable shelf space in our living room.
Square iPhone payment system gets itself a website, showcased in public
Twitter co-founder Jack Dorsey and the quiet startup formerly known as Squirrel are finally opening up a bit. The company now called Square, as we noted back in October, has launched a website for its iPhone payment dongle, although it's still in somewhat private beta testing. TechCrunch managed to catch up with Dorsey, who gave a brief overview of the product and then showed it off by charging $4 for a cup of coffee -- so it goes in San Francisco. See Square in action after the break.
A WoW player's guide to microtransactions
Well Blizzard has finally done it. After charging only for out-of-game services like faction changes and character customization, with the release of in-game pets on the Blizzard store, they've finally moved on to selling virtual items for real money. And there's a word, dirty in the mouths of some, that's floating around that some of you may not have heard or understood before: microtransactions. We wouldn't blame you -- some of our own staff didn't even know what they were just a little while ago. But with the decision to sell in-game items for straight cash, Blizzard has entered the fascinating and treacherous world of microtransactions. And if you're going to follow them off into this world, you might as well at least know what they're all about. And so, we're here to help. Whether you've never heard of microtransactions before, you're convinced that they're the devil and that Blizzard has grown too greedy for their own good, or you can't wait to open up your wallet and get a Pandaren Monk to follow you around, let's take a second and look at the history of the microtransaction model, what it means that Blizzard made this decision, and what might happen to the game in the future.
Twitter founder Jack Dorsey's Squirrel project revealed... as the Square iPhone Payment System
tweetmeme_url = 'http://www.engadget.com/2009/10/17/twitter-founder-jack-dorseys-squirrel-project-revealed-as-th/'; tweetmeme_source = 'engadget'; Remember the Square iPhone Payment System we told you about back in August? If you'll recall, the device -- which involves an iPhone app and associated dongle -- enables an iPhone or iPod touch to become a kind of mini credit card reader, allowing payments to be taken on the spot, no matter where you are or how big (or small) the transaction may be. When we'd first reported the device, word on the street was that it was only being alpha tested around New York City, and there wasn't much else to say. Now, we may have a little more insight on just where this device is headed, and who's behind the project. Jack Dorsey, the man who all but built Twitter in a matter of two weeks, has been working on a half-secret start-up project since around May. His new venture -- dubbed, funnily enough, Squirrel -- is based around the concept of using the iPhone as... yep, a portable, personal cash register; essentially the exact device which Square has created. And that's no accident. In the images we ran of the Square system, you can see a domain name on a receipt: squareup.com. Squareup.com is the domain of the Square System (obviously), and a casual investigation into the site's WHOIS profile reveals registrant info that points to an office in San Francisco, and a contact email address which reads... billing@paybysquirrel.com. Square, squirrel, square... are you getting it? So the cat, er, squirrel appears to be out of the bag. Now the question is whether or not Dorsey and co. can turn this fairly obscure piece of tech into the kind of firestorm which Twitter has become -- and who knows, maybe there'll even be a business model this time. [Thanks, Little Birdie]
Square iPhone Payment System turns your phone into credit card reader
Everyone and their uncle Steve uses WinCE terminals to execute cashless transactions these days, and while you'd expect Apple to remedy that right quick, the Square credit card reader has beaten it to the punch. Plugging into the headphone jack of either an iPhone or iPod Touch, the dongle takes a swipe of your card, the seller enters the purchase data and you do your best penless John Hancock on the touchscreen. After that, a receipt is delivered by email and the app retains geotagging data for each transaction. Spiffy, right? Well, there is a surcharge to pay, and it's still in early alpha testing in New York, but should it prove popular, there's no reason not to see this appendage make an appearance on Android or WinMo phones as well. Rest easy, Gotham, we're sure nothing could possibly go wrong.[Thanks, Derek]
