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专利注册信息显示,Apple Pay Cash即将登陆欧洲

Apple Pay Cash是苹果公司新近推出的一种P2P支付服务,用户可直接通过iMessage App使用,或者通过语音助手Siri表达转账需求,然后系统就会链接Apple Wallet里绑定的信用卡或借记卡进行划账。用户收到的钱款会存储在Apple Pay Cash账户中,后期可直接用于转账、Apple Pay线上线下支付或体现到绑定银行中。

苹果公司在今年六月的一份公告中称,这项功能将在iOS 11系统中正式推出,适用于装配有该系统的iPhone SE、iPhone 6、iPad Pro、iPad 5、iPad Air 2、iPad mini 3和Apple Watch。而最近有媒体注意到,苹果公司正在欧洲为Apple Pay Cash申请专利,这意味着或许今年秋季这项新服务也即将登陆欧洲。

业内普遍认为,苹果公司推出此项功能是为了提高Apple Pay在移动支付市场的使用率,保持与移动支付平台的竞争力。

支付平台有了,那未来还会有Apple Bank吗?我们觉得不无可能。毕竟近些年来,苹果公司一直在为推动金融科技应用和相关监管的发展而积极努力。如果Apple Bank出现了,那么估计Apple Credit和Apple Loan这样的一系列服务也就不远了。

Apple Pay Cash, the feature that will allow users to transfer money using the iMessage App baked into all iOS devices is expected to hit Europe this Fall. This comes after LetsGoDigital noticed Apple had filed for a Trademark in Europe for Apple Pay Cash. The Venmo-like service stores money like a virtual card that can exist in Apple Wallet. Apple announced this feature, to be included in the forthcoming iOS 11 release, in June stating at that time:

“Person to person payments and Apple Pay Cash will be available in the US on iPhone SE, iPhone 6 and later, iPad Pro, iPad 5th generation, iPad Air 2, iPad mini 3 and Apple Watch this fall.”

Now it looks like Europe will receive this feature soon after it launches in the US.

Apple Pay users will be able to make and receive payments right in iMessage, or tell Siri to pay someone, using the credit and debit cards they already have in Wallet. When users get paid, they will receive the money in their new Apple Pay Cash account. They can use the money instantly to send to someone, make purchases using Apple Pay in stores, apps and on the web, or transfer it from Apple Pay Cash to their bank account.

Adding this new payment feature allows it to compete with other platforms that are already offering the same type of service while hopefully boosting utilization of Apple Pay.

So what comes after this? Will Apple eventually launch Apple Bank? It is not that much of a stretch. Apple has already established a lobbying voice inside the beltway to advocate on more forward thinking regulations that boost Fintech utilization. Once you have Apple Bank, you will have Apple Credit, Apple Loans and the list will grow.


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