국내 생체인증 시장에 관심이 있는 전문가, 대학교수들도 이것을 지문센서로 보아 여러 국내기사에 애플카드에 지문센서를 탑재하여 안드로이드폰도 지원할 것으로 보고 있는 것은 잘못된 관측으로 판단한다. 위의 애플카드 설명과 해외 기사 어느곳에도 지문센서가 탑재될 것이라는 소문이나 예상은 찾아보기 어렵다.
-->물론, 애플이 신용카드에 지문센서를 달아주면 2013년 처럼, 업계에 큰 변화를 줄 수 있을 것으로 기대해서 실망이 큰 것으로 보인다.
발표 자료로는 오직 아이폰에서만 사용될 수 있고 가상카드를 통한 서비스가 주 목적으로 보인다.
처음 신용카드는 등록할 때 카드번호는 기존 Touch ID, Face ID, Private Key와 함께 A11/A12 AP칩내 보안영역에 보관된다고 한다. 카드내 SE인 EMV Chip에는 개인정보가 저장된다고 한다. 카드내 SE 보안영역에도 AP칩내 보안영역에 담기는 생체정보가 저장된다면 지문센서를 달 수 있지만 이것은 등록과정이 필요해 더 많은 설계가 필요하다. 또한, 안드로이드폰 결제앱을 애플이 시장에 내놓는 것은 기존 앱 정책상 기대하기 매우 어렵다.
가장 쉽고 직관적인 인터페이스를 선호하는 애플은 이런 선택을 하지 않았는데 페친이신 대학 교수님은 애플이 이번은 아니더라도 가까운 미래에는 지문센서를 탑재할 것으로 예상하고 있다. 그렇게 된다고 하더라도, 애플카드로 삼성폰에서 결제가 가능하다는 상상은 애플페이가 아니라 삼성페이다라고 말씀드리고 싶다.
23 Apple patents related to NFC and mobile payments
Apple has been steadily building a sizeable portfolio of patents related to NFC and mobile payments over recent years, from as far back as 2009. NFC World+ has reported on these as they have been published and links are provided here to details of 23 patents covering technical innovations and use cases in payments, mobile marketing, coupon delivery, gifting, event ticketing, content sharing, travel and beyond.
A ‘Touch Screen RFID Tag Reader’ patent application was published describing how an RFID antenna could be placed in the touch sensor panel of an iPhone so that the touch sensor panel could then function as an RFID transponder.
A patent application saw Apple using the term ‘trusted service’, hinting at the company’s potential to play a pivotal role as a Trusted Service Manager for mainstream mobile applications and, perhaps, for mobile payments and NFC.
The ‘iPay, iBuy and iCoupons‘ patent pair described a comprehensive mobile payments, mobile commerce and mobile marketing business based around an NFC-enabled iPhone, obscured under the names ‘Smart Menu Options’ and ‘Real-Time Bargain Hunting’.
An airline ticketing and boarding pass application was published, describing an unmanned, automated airport ticketing and baggage counter kiosk. The patent application introduced the concept of an automated security checking process where users of an iTravel app could process themselves through the security clearance system and check themselves in at the boarding gate. The patent was granted in 2012.
Products+, an NFC-based product marketing and promotions patent application was published, covering the use of an NFC phone to read a tag on a consumer product in order to obtain a benefit provided by the manufacturer or retailer.
An iKey patent that would enable users to replace door keys and access buildings with their iPhone was also published this year and reported by Patently Apple.
Apple was granted a patent for Parental Controls, a wide ranging system for tying together multiple subsidiary accounts within a mobile wallet application. The patent makes extensive reference to the use of NFC as well as to both payments and loyalty cards.
An ‘On-the-go shopping list’ patent was revealed that referenced the use of NFC extensively for scanning products to obtain further product information or to add the product to a shopping list.
A patent outlined a way that consumers could use NFC to gift media between iOS devices.
A variety of ways in which Touch ID could be combined with NFC by combining both fingerprint biometrics and NFC functionality into the home button of a mobile phone was revealed in a patent application which also showed that Apple was working on a variation of NFC that uses “body coupled communications.”.
The company also applied for a patent on an antenna design that allows NFC signals to be transmitted from both the top and bottom of a mobile phone — front and rear — reducing the need for a user to orientate their device in a particular way when conducting an NFC transaction