כמו עיצובי תשלום לביש להמריא, designers’ imaginations are taking the RFID ו חדשות מחלקה ראשונה technology far beyond the contactless payment methods we know today.
בעוד אולימפיאדות שאפתניות ברחבי העולם נסעו לריו דה ז'ניירו מוקדם יותר החודש עם המראות שלהם להגדיר על תכשיטים של הזהב, מגוון כסף וברונזה, עבור ויזה, נותן חסות אולימפי רשמי, the opportunity was ripe to showcase a different kind of personal ornament.
Every Olympic venue selling food and beverages was enabled with contactless terminals, allowing athletes, tourists and officials to pay with a variety of rings and bracelets.
While smartphones have provided an alternative to traditional wallets for a while – from Apple Pay to apps such as Starbucks’s – there are times, such as going out for a morning run, when being tethered to an unwieldy device isn’t always the best option. כתוצאה מכך, the opportunity to equip wearables, from watches, to fitness trackers and jewellery, with the capability to purchase has never been greater.
“The wearable space alone we believe is something in the neighbourhood of $170-billion to $1.5-trillion of potential spend that you could do across that category alone,” says Jim McCarthy, Visa Inc.’s global head of innovation and strategic partnerships.
“So our job and what we’re working on with the banks, a number of them in Canada, is effectively thinking about how to get their payment credentials into all these different devices.”
The continued rise of the Internet of Things, which could have as many as 20 כדי 50 billion devices connected to the Web in the next five to 10 שנים, has resonated with companies such as Visa, which envisions a time when almost anything could be used for payment.
“The Visa credential that your bank issued to you can work in all of these and the experiences are effectively similar to what you’re already doing with tap and go, it’s just a different device,” Mr. McCarthy says.
He predicts there will still be a decent shelf life on plastic card forms of payment, but thinks it might become less relevant, with perhaps its main function being more for authentication alongside one-time passwords.
The options in the wearable payment space are seemingly boundless. Jason Davies, head of digital payments and labs for MasterCard Canada, says it could feature on something as innocuous as a pair of gloves, and while that might not excite people living in California, for someone living in Thunder Bay, it could be a life saver in winter.
"[Imagine] it’s February and you’re buying gas: Having payment credentials in your gloves and being able to tap your glove against an automatic fuel dispenser, pay for your gas and never have to take off your gloves, that’s actually a great experience of payment,". הוא אומר.
The idea of payment wearables also throws up the possibility of some interesting crossovers and partnerships with consumer goods manufacturers. Barclaycard, the first credit card introduced into Britain, recently teamed with fashion retailer TopShop to produce a number of wearables, such as wristbands and keychains, to permit purchases less than about $50. MasterCard teamed with fashion designer Adam Selman last year to produce a dress, earrings and even sunglasses with contactless payment capabilities.
It’s that kind of partnership that sets the imagination on fire in this sector.
“I think where we’re starting to see interest is from people we never thought we would work with: fashion designers, those types,” Mr. Davies says. Designers see the extra value their products may derive from adding payment options in, which may increase their daily usefulness, including potentially increased consumer loyalty, הוא אומר.
London, אנגליה, jewellery design student Lucie Davis took her designs an extra step for her final show.
She developed acrylic nails with an embedded chip that allowed her access through the barrier on the London subway system, in place of the usual Oyster card that is used.
While it simplifies her daily commute, it wasn’t until a friend of hers pointed out the advantages that she understood the potential for her creation.
“Her mum has Parkinson’s [disease] and she finds it such a struggle to get her card [out of her bag],” Ms. Davis says. “She thought the card nails would make [travelling] a bit more accessible.”
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For more information about NFC products, אנא בקרו:
http://www.rfidhy.com/rfid-products/nfc-label/
