payment in its next iPhone design.This time, it's being reported that technology--near field communication NFC--or will be included in the next iPad 2.
Several banks have already tested the ability of wireless payment with the iPhone 4 and other smartphones with Visa (NYSE: V).
2.3 Android or gingerbread, NFC capabilities built in, and at least two NFC Android apps are available in Google (Nasdaq: GOOG) Android market. Meanwhile, Nokia (NYSE: NOK) announced that it will be able to build NFC capabilities in its new phones this year.
The most recent wave of rumors began with a Bloomberg report quoting Richard Doherty, co-founder of market research company, the Envisioneering Group, as saying that Apple will probably introduce NFC capabilities in its iPad iPhone 2 and 5.
It is said from 2009 that Apple has worked to add radio frequency identification (RFID) for the iPhone. In August, Apple has hired NFC experts Benjamin Vigier, allegedly designed and managed the PayPal Mobile service and Starbucks (Nasdaq: SBUX) ' mobile payments service based on barcode.
That same month, TechCrunch reported that Apple was testing prototypes NFC-enabled iPhone using hardware from NXP Semiconductor, the market leader in NFC.
Earlier in 2010, Apple has released several NFC related patent applications, including one for an NFC-based mobile payments; patents for iPay, iBuy and iCoupons, which are based on the iPhone; and a place of concert, entertainment and sports ticketing application-based NFC.
Apple did not respond to requests for comment by press time.
In the summer of 2010, Visa has launched the wireless payment trials with the iPhone and other smartphones with four banks--JPMorgan Chase (NYSE: JPM), Wells Fargo (NYSE: WFC), Bankcorp and Bank of America (NYSE: BAC)--Jason Michael, public relations agency Fleishman-Hillard's Visa, told MacNewsWorld.
This process uses technology from DeviceFidelity, which created the cases for the iPhone 3 G, iPhone 4 that incorporate microSD card using Visa and 3GS In2Pay.
DeviceFidelity did not respond to requests for comment by press time.
In December, Visa has announced that it had certified In2Pay microSD solution of DeviceFidelity for commercial use.
In September, Visa rolled out a pilot program in New York that allow commuters to pay subway, bus and train fares wirelessly with their iPhones. New York City Transit, NJ Transit and port authority of New York and New Jersey are participating in the programme.
There is money to be made in mobile payments, why Apple, Google and Nokia are rampant in the area.
"PayPal has seen a perceived increase in mobile payments in the last two years, starting from $ 25 million in 2008 to $ 750 million in 2010," Nadav Naaman, head of PayPal Mobile Applications, told MacNewsWorld. "Consumers are embracing mobile commerce and mobile wallet more easily now."
In fact they are and Apple seems to be lagging behind in the race for the dollar mobile payment.
Google has already announced that gingerbread, or 2.3 Android, will have capacity NFC, built in and has included a package of Android NFC Android Developers blog.
Further, two NFC applications are already available in Google's Android market. The Taglets and more NFC enabled table.
Nokia to develop NFC capability in all its devices this year.
So, Apple is late to the market?
Not necessarily--Starbucks has avoided its NFC mobile payment system that initiated the roll-out its shops in the United States because the infrastructure NFC is not mature enough yet, Chuck Davidson, the company said.
In fact, it is unclear whether the United States will ever wireless payment technology nationwide.
Has seen its technology; AT&T (NYSE: T), Verizon Wireless and T-Mobile USA Network mobile payment ISIS launched in November, which works with discover financial services; mPayy proposes the use of RFID chips; and then, of course, there's NFC.
"Despite the hype, NFC still didn't make it through," Diarmuid Mallon, senior product marketing manager for Sybase (NYSE: SY) 365, told MacNewsWorld.
Companies are implementing strategies using mobile payment mobile and Smartphone applications, but you're facing an uphill battle.
First, the Android market is fragmented; for another, there is a variety of phones on the market, Mallon said.
"Today there are more than 1000 different phones used on US networks," said Mallon. "Even if you look at phones with more than 100,000 users, there are over 350 models. To achieve all these users will have a multi-channel approach.
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