Yep I use it all the time on mine to deal with the people who insist on paying by cheque.
Backwards country I'm living in here...
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NFC-Based Mobile Payments Said to Be a 'Hallmark' Feature of iPhone 6
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Yep I use it all the time on mine to deal with the people who insist on paying by cheque.
Backwards country I'm living in here...
Curious: how people pay each other in Britain?
As you know, in the US it's still quite common to get a paycheck, and it's still quite common for many people to pay doctors, etc with checks.
We're an aging nation. Lots of baby boomers getting old fast, always with one foot in the future and one foot in the past.
True, a lot are these days. And a lot of people pay their bills online.
Still, a lot of people also still send checks to pay their bills. Heck, I'm almost all electronic now, but I still once in a while send a check to a doctor or dentist.
I'm just curious why markie gets checks so often
Edit: I don't use checks much these days, and they are inconvenient, but I guess I still don't think of them as particularly backward. They're just another tool that sometimes has to be used.
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There are quite a few person-to-person direct payment services in the UK, I haven't lived there in a long time, but it is my understanding that mobile apps are one of the most popular cheque alternatives today.
As for me, I'm in the entertainment business. I both have to pay and am paid by cheque ("check") all the time. It is so backward.
Iwallet
There was a patent filing from Apple on Iwallet design back in 2011 or 2012. It is a very comprehensive look of what the software will look like. NFC is a very small part of the transaction flow. The iwallet involve the point of sales transaction (i.e. the credit card like transaction). And it also include real time notification of the transaction to the customers. Customer can report fraud in real time if the transaction is not initiated by him/her. Customer can also set limit on kids buying pattern on different category of goods if they are using his card and authority additional purchase in real time if the kids purchase exceed the limit. And in real time, customer can get a up to date list of all purchases charged to the account. So far NFC has not catch on in US is because there is no real application tie to NFC yet. The iwallet will change that. Google also has something similar in concept but their effort seems to be very behind at this point. The Ibeacon integration into the consumer buying experience will be interesting to see. May be it will revive in store shopping after all..
There was a patent filing from Apple on Iwallet design back in 2011 or 2012. It is a very comprehensive look of what the software will look like. NFC is a very small part of the transaction flow. The iwallet involve the point of sales transaction (i.e. the credit card like transaction). And it also include real time notification of the transaction to the customers. Customer can report fraud in real time if the transaction is not initiated by him/her. Customer can also set limit on kids buying pattern on different category of goods if they are using his card and authority additional purchase in real time if the kids purchase exceed the limit. And in real time, customer can get a up to date list of all purchases charged to the account. So far NFC has not catch on in US is because there is no real application tie to NFC yet. The iwallet will change that. Google also has something similar in concept but their effort seems to be very behind at this point. The Ibeacon integration into the consumer buying experience will be interesting to see. May be it will revive in store shopping after all..
A lot of banks in the UK don't issue cheque books anymore, the alternatives are deposits into your bank account, smartphone apps, and good old cash.
I haven't used a cheque for about 17 years, nor have I had a customer trying to use one for about that long.
Hey, does that mean that if someone steals my phone and my wallet (and my fingerprint), they can make several (£20) transactions in a day and take £100 out quite easily?
Go muggers! As if my iPhone wasn't already valuable, it now holds a system to easily perform a card transaction with....
On the other side, I only use my contactless in two places in the UK:
Some Tesco Stores (none where I live)
Pret a Manger
(from 16 Sept 14), TfL
Haven't used it anywhere else.
I personally find it much easier and take less time to tap the reader with my card than trying to authenticate with TouchID.
Go muggers! As if my iPhone wasn't already valuable, it now holds a system to easily perform a card transaction with....
On the other side, I only use my contactless in two places in the UK:
Some Tesco Stores (none where I live)
Pret a Manger
(from 16 Sept 14), TfL
Haven't used it anywhere else.
I personally find it much easier and take less time to tap the reader with my card than trying to authenticate with TouchID.
Interesting. Thanks!
Here in the US, we still get our medical insurance payments by check in the mail. Usually we pay our doctors the same way (I personally don't like mailing my credit card number with a payment coupon)... although if it's a large doctor bill, I sometimes call and use my card that gives me miles.
We also pay plumbers, electricians and any other workmen who come to the house, by check.
Ditto for babysitters, buying Girl Scout Cookies, and contributing to local charities.
Do you do all that electronically? Or by cash?
You don't like mailing a CREDIT CARD NUMBER, which is totally protected from fraud liability if it gets stolen, but you don't mind mailing your BANK ACCOUNT number where thieves can empty it and you have little recourse?
Wow... that... that's beyond words. I only write cheques to people I REALLY trust who insist on it.
This is fascinating.
Is this worry about checks common in the UK? Is / was it common for crooks in the UK to create fake checks and ids, or something?
I'm obviously not worried about my babysitter, businesses, or doctors, no.
(There are plenty of counterfeit checks in the US, but rarely of someone else's personal account, AFAIK. For one thing, you can't cash one without ID.)
