Cell phones as Credit Cards 299
ante_up writes "We should have known this was coming. Business Week reported that Japanese carrier NTT DoCoMo Inc. (DCM ) is vamping up their cell phone technology. First they added a debit card facility and now are expanding to full credit card capability. What else can you add to a cell phone?"
What else? Hmmm (Score:2)
For starters, how about a little COMMON SENSE?
What will they think of next? (Score:5, Funny)
It's amazing all of the nifty things they can pack into cell phones these days.
Re:What else? Hmmm (Score:3, Insightful)
I still don't get the draw of cell phones, either. I'm not even 30 yet, but I carry a cheap pay-as-you-go cell phone that I use for emergencies and calling taxis. If I want to have a conversation with someone, I'll just wait until I get to my office or home and use a comfortable human-sized phone.
As for credit cards... Meh. I don't know. I have no sympathy for people who go into debt because they act l
Re:What else? Hmmm (Score:2)
No, they don't.
Pay-as-you-go - whether through age( under 18s) or choice (anonymous billing), or no access to credit, is massive in Europe - don't know about where you live, but in Europe, and Japan, this method of usage is huge - hence OP
'And then I use my automatic online bill-pay service to transfer the correct amount from my checking account'
Wow! You're so 20th Century! What about places that aren't online? Mobile 'phones work there y
Re:What else? Hmmm (Score:2)
'pay for the telephone with a money order or a personal check?'
Wow. Now you're being 19th Century.
Re:What else? Hmmm (Score:2)
Re:What else? Hmmm (Score:2)
Also, you must be lucky, because very few debit cards have warranty coverage or any credit card benefits. I have two debit cards, and neither one offers anything except fraud protection. I do stand corr
Re:What else? Hmmm (Score:3, Informative)
Using a debit card won't improve your credit rating as you didn't use credit. Using a credit card regularly and paying on time will improve your rating.
Also, there are a slew of consumer protection laws that do not apply to debit cards (such as the $50 liability if the card is stolen).
Although your bank may be voluntarily applying those rules to your debit card (such as allowing a "chargeback" - which can't be done since there was technically no charge to begin with, only a debit), no bank is required
Re:What else? Hmmm (Score:4, Insightful)
I prefer using a credit card over a debit card because I get to use the credit card co's money for (up to) 30 days. With a debit card, the transaction is immediate. I'd rather earn a little interest on my money before handing it over.
Similar to the poster you were replying to, we get one air mile for every dollar we purchase on our credit card. As a result, my wife and I will be flying to Europe this summer for free. All we did was buy the same stuff we would have bought with cash or debit if we didn't have the 'reward card'.
A debit card might be what works for you, but I think a wisely used credit card can be more beneficial.
Re:What else? Hmmm (Score:2)
It's a typo. The correct spelling is "ouroboros" (http://dictionary.reference.com/search?q=ouroboro s [reference.com]).
Re:What else? Hmmm (Score:5, Insightful)
The way people work, I expect the credit card and cell phone provider to merge so they can provide it 'easier' - that's what this particular article seems to mention. The car, well, that's just a matter of horizontal integration within the marketplace. (otherwise known as monopoly) I mean, do you LIKE having multiple devices you need to drag with you everywhere? Common sense says you wouldn't want ANY of it, but that would require stronger biometrics than currently exist / people find acceptable along with a more integrated identification network. The options are all rather bleak, but I'm sure you agree that eventually one of them will evolve and dominate if the market continues as it is today.
Thanks, but no thanks! (Score:2)
- Forget it at home
- Get robbed
- Batteries go dead
- Break
Things like credit and debit cards, keys and passwords, must be placed on reliable, fail-safe, places. Magnetic cards and Smart cards are good choices... a cellphone is not!
Re:What else? Hmmm (Score:2)
Re:What else? Hmmm (Score:2)
My car has similar to what you're describing. The remote IS the key. I walk up to my door, and pull on the door handle. The door checks, realizes the key is next to THAT door (it doesn't work if I'm standing on the other side of the car), unlocks, and opens. The car then knows that I'm inside of it, and I can turn it on. Key never leaves my pocket.
If the battery in the key dies, there's a mechanical key tha
razor (Score:2, Funny)
Every so often im at work screwing off and I realize that I missed a spot. it'd be great to go and touch it up.
Re:razor (Score:2)
The Bic Razor. [haco.co.ke]
Re:razor (Score:2)
Re:razor (Score:2)
Oh, and a towel, just in case.
Re:razor (Score:2)
Re:razor (Score:2, Funny)
"The Hitch Hiker's Guide to the Galaxy has a few things to say on the subject of towels.
A towel, it says, is about the most massively useful thing an interstellar hitch hiker can have. Partly it has great practical value -- you can wrap it around you for warmth as you bound across the cold moons of Jaglan Beta; you can lie on it on the brilliant marble-sanded beaches of Santraginus V, inhaling the heady sea vapours; you can sleep un
Don't take a picture of yourself (Score:3, Funny)
What else? (Score:2)
Or an optical sensor on the bottom so it can be used as a mouse.
Re:What else? (Score:3, Insightful)
Re:What else? (Score:3, Informative)
Re:What else? (Score:2)
I think so, Brain, but where are we going to find rubber pants at this hour?
Seriously... No, I'm not thinking what you're thinking, unless you're thinking "What is brickballs thinking?"
Re:What else? (Score:2)
I think so, Brain, but where are we going to find rubber pants at this hour?
Completely off-topic... but what the hell. :) I think you got two quotes mixed up:
"I think so, Brain, but where are we going to find rubber pants our size?"
"I think so, Brain, but were are we going to find a duck and a hose at this hour?"
What else indeed (Score:2)
Wouldn't surprise me to see an automatic tampon remover....
B.
Re:What else indeed (Score:2)
They do need to make it self cleaning at some point. It bad enough when the guy next to you have Cheetos stains on his cell...
Re:What else indeed (Score:2)
A real catch-22:
Show off your latest ringtone once, and five minutes later, you can't hear it ring anymore.
Put the fuckin' thing on vibrate first, and nobody even tries to shove one up your ass.
Less debt and more convenience. (Score:2)
Basically, it was a system to use giant limestone wheels from the island of Yap as credit cards. The giant wheels are difficult to counterfeit, and therefore will prevent theft through credit card fraud. These will be called credit rocks, rather than credit cards, and will take a crane to move, but many retailers believe that it will provide consumers with the a
Re:Less debt and more convenience. (Score:2)
That would be "Wizard of ID"
B.
Re:Less debt and more convenience. (Score:2)
What else can you add to a cell phone? (Score:2)
Yeah, yeah....buy a better phone. BS. The tech for reasonably clear sound is trivial. Clean audio should be a base model feature.
Re:What else can you add to a cell phone? (Score:2)
Re:What else can you add to a cell phone? (Score:2)
These recent comics pretty much sum it up:
http://seattlepi.nwsource.com/fun/zits.asp?date=2 0 050531 [nwsource.com]
http://seattlepi.nwsource.com/fun/zits.asp?date=20 050601 [nwsource.com]
It's not that sound quality isn't important -- it's just that most people don't even *think* of it when they're comparing phones!
Does it look cool? Check. Bluetooth? Check. Games? Check. Web access? Check. SMS? Check.
I'll take it!
Re:What else can you add to a cell phone? (Score:2)
How far we've fallen in deference to the marketing gods
Remember the Sprint(?) ads? "So clear, you can hear a pin drop." (not necessarily true, but at least they tried)
Alright damnit (Score:3, Funny)
What else? Just three words... (Score:2)
Carbonated Meat Dispenser!
Re:What else? Just three words... (Score:2)
I'm terrified to think of why you'd want carbonated meat in the first place.
Cellphones as entry tickets (Score:3, Interesting)
How about using cell phones as entry tickets to a Cricket match [slashdot.org]. From TFA:
The first match of the India-Australia cricket Test series in Bangalore next month will have hi-tech ticketing with the launch of 'Mobile-Ticketing,' a new service that enables cricket fans across the world to book the tickets online. But thats half the fun, since the tickets would be delivered directly to their mobile phones. the service is managed by Spice . The service delives the ticket as a special barcode which can then be scanned by a barcode reader. Sounds simple. Wired reported a similar story a while back.
More details here [indiainfo.com].
Convergence (Score:2)
Re:Cellphones as entry tickets (Score:2)
Anyway, phones as tickets isn't really new (in countries with decent cell phones, that is, NOT the good old US of A).
Already in Spain (Score:3, Interesting)
Oh my god, this already exists in Spain: Mobipay [mobipay.es], Paybox [paybox.es]. Little success, by the way.
Re:Also in Scandinavia (Score:2)
In Hong Kong... (Score:2)
It'd be great, esp since you could easily type in your PIN (or better yet, vendor generated one-time tranasaction offset + PIN) and even authenticate more securely.
What I would add (Score:2)
I would like to see high-powered plastic explosives added to cell phones. That way when someone is being obnoxious on their phone in a public place, I can hit a button on my phone that will cause their phone to explode.
Re:What I would add (Score:2)
Why not just add a wallet and a loudspeaker? (Score:2)
I'll keep my black-and-white screened text message and voice-only phone thank you. I'm happy if a thief says "What a crap phone" and doesn't want to nick it.
Already exists - but I forgot where (Score:2)
Re:Already exists - but I forgot where (Score:2)
Re:Already exists - but I forgot where (Score:2)
I'm surprised you didn't crack on my typo. I was going to type "in Northern Europe". Then, I thought I'd say "off Northern England". I ended up saying "in Northern England." But, who'd be surprised
Re:Already exists - but I forgot where (Score:2)
Re:Already exists - but I forgot where (Score:2)
Re:Already exists - but I forgot where (Score:2)
Physical versus informational. (Score:2)
You know, people are making a lot of jokes about adding physical components to cell phones - electric razors, can openers, etc. - but I think that what would be ideal is if I could have everything physical I needed in one pocket - like a souped-up version of a Swiss Army knife - and everything informational I needed in the other pocket.
Ideally, one day we'll carry a small "wallet PC" that acts as both a cell phone and a computer in general, and is a complete replac
What else....? (Score:2)
Even.
Go.
There.
Electronic Wallet (Score:2)
Creditors (Score:2)
A wallet (Score:3, Insightful)
That way when it gets stolen, the thief has everything he needs, and not just my money.
Re:A wallet (Score:2)
Phew! (Score:2)
Why not a remote control?! (Score:4, Interesting)
I've always got my cellphone with me, but I'm always trying to figure out where I left the remote. Plus, I'd never need to buy obscure AAA batteries for the darn remote again, 'cause the cell phone's battery is rechargeable!
Re:Why not a remote control?! (Score:2)
1. How will the phone know when you want to dial versus when you want to change the channel. Surely without it knowing this, or you having to flip a switch, you will be annoyed one way or the other. (Changing the channel when you want to dial, and vice versa.)
2. Cell phone keypads are designed to call people (and type messages, sometimes), and remotes are designed to control electronic devices. Other than the 10 digits, I don't see any correlation between the two devices. Why can't your landline phon
Re:Why not a remote control?! (Score:2)
Re:Why not a remote control?! (Score:2)
Re:Why not a remote control?! (Score:2)
Re:Why not a remote control?! (Score:2)
Re:Why not a remote control?! (Score:2)
-prator
Re:Why not a remote control?! (Score:2)
In any case, if your phone doesn't come with a remote control applet, you can always [infoseek.co.jp] download [appget.com] one [256byte.com] (links
Re:Why not a remote control?! (Score:2)
what else to add (Score:5, Funny)
Lessee...how about a tazer? That'd be useful for dealing with members of the Axis of Annoyance(tm). Blood sugar monitor for diabetics (though I think at least one Korean phone already has that).
What I'd _really_ like to see is the ability to make a phone go into vibrate-only mode, and make it legal in the U.S. to do so (cellphone jammers are apparently illegal here, I think). That way you wouldn't have to turn them OFF in a theatre or restaurant; it gets done FOR you. Oh yeah, that would be my #1 feature, for sure. Even more than improved call quality.
Re:Add an "I can't find a cell" alarm for when... (Score:2)
>Especially the guy having a heart attack...
Yeah, well, fuck that guy. I don't see his insurance company reimbursing everyone who paid $9 for the movie and another $9 for a soda and nachos.
What else? (Score:2)
Have every once of credit you have screwed because some guy was sitting around scanning the cell bands.
what else can you add to a cell phone? (Score:2)
Universal remote! (Score:2)
It doesn't need to be a camera or PDA, but a decent calendar, to do list, and remote would be nice.
Re:Universal remote! (Score:2)
Missing feature: reliable communications (Score:2, Interesting)
How about the ability to complete a phone call?
About a year ago, I upgraded my ancient Startac to the latest model offered by Verizon. I quickly discovered two locations in my town where the new phone failed to place a call, yet the Startac manages to do so. I visit these two places often, so I returned the new phone. I am using the Startac again.
I asked several Verizon reps which of their phones offers the best RF performance. Each rep stated that all of the
What else? (Score:2)
A tactical nuclear device?
How about... (Score:2)
What else can you add to a cell phone? (Score:2)
What problem is this solving? (Score:2, Insightful)
Re:What problem is this solving? (Score:2)
Two points.
First, no matter how small it is, it is too large compared to softtware inside the cell phone, if you will be carrying a cell phone anyway.
Second, credit/debit cards are far from universally accepted. The beauty of a cell phone is that it can be both the credit card and the card terminal, meaning it can both be charged and charge. You may one day tra
Cheese (Score:2)
Let me hack one person's cc cell phone (Score:2)
Wouldn't work (Score:2)
Paris: Wha f*ck b*tch motherf*cker who? I can buy (hic) and sell you b*tch
Bank: Thank you Ms. Hilton. We'll cancel the charge immediatly.
i was wondering when we would see this (Score:2)
What about improving existing features? (Score:2)
The real thing cell phones need is interface designers for their software. I have to click at least half a dozen buttons and wait for my phone to connect to the internet to get anywhere near sending an email.
With my Japanese phone (from AU by KDDI) one button got me into my email menu, instantly. If I didn't want to type in an address I could select someone from my addr
Phone (Score:2)
Also... do these things still have the ability to ehmm... just call someone?
stupid? Smart! (Score:2)
Re:GUH! (Score:2)
For me it is free money. Whenever I get a 0 or 1% interest teaser I simply take it to the bank and put it in a 3-4% CD. It only comes out to a few hundred a year after taxes, but it's the principal of the thing.
Re:GUH! (Score:2)
Bull...
Credit card companies preying on the financially challenged(TM) is to blame. A moron that has been unemployed for 6 months gets "You are pre-approved" credit card offers out the wazoo. Just what do you think that moron is going to do? Common sense simply dictates you don't give a moron a loaded gun like these offers are. He is likely to shoot himself in the foot.
B.
Cookies (Score:2)
Or maybe it could just display the barcode on the screen... Hmmm.
Re:Cookies (Score:2)
Re:Cookies (Score:2)
True, but I just remembered my phone has a camera in it. Hold on while I photograph the barcode on the card...
Re:Wow, they jumped from debit to credit (Score:2, Interesting)
Re:Good job /. editors (Score:2)
Re:I'll tell you what we should add... (Score:2)
Re:Sigh (Score:2)
So... what you really want is a Moto Razr without any interesting features.
Ermm... okay.
Re:Sigh (Score:2)
Err okay.
You're missing the point of having a camera in your phone. It's not to replace your digital camera. It's so you have something that takes pictures when your digital camera isn't around. The REASON they cram these things into phones is becau
Re:Sigh (Score:2)