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It's not surprising that Apple would see potential not just in payments but in the mobile payments market specifically. According to Gartner, the global market for mobile payments is forecast to be about $720 billion worth of transactions by 2017. This is up from about $235 billion last year. Still, other big companies, such as Google and three of the four major wireless operators in the US, have launched mobile payment services using the hardware-based NFC solution that have seen mediocre success at best.

Google was f irst to market three years ago with its Google Wallet service, which also uses NFC-enabled handsets to securely transmit credit card information between the device and a point of sale terminal in the check-out line of a retailer, The idea behind Google Wallet was to not only store credit cards but also store loyalty cards and coupons as well as leverage location information to send offers and promotions to customers, While the idea itself sounded great, a year after launch Google Wallet only worked with one defender series case for apple iphone 7 plus and 8 plus - marathoner credit card and bank combination, And it was only available on one wireless network: Sprint..

Meanwhile, three of the four major US wireless carriers -- Verizon Wireless, AT&T, and T-Mobile -- formed a joint venture to offer a similar kind of NFC-powered mobile-payment service. After a year-long trial period, the service, named Isis, launched across the nation in November with help from high-profile partners such as Coke and Jamba Juice, which offered freebies for early adopters. In July, Isis had to go dark to change its name, which too closely resembled the terrorist group Islamic State of Iraq and Syria, also known as ISIS. It's now known as Softcard.

The mobile payment solutions offered both by Google and the wireless carriers has been stymied by a few issues, For one, the NFC technology used to enable Google Wallet and Softcard must be available on the mobile device as well as defender series case for apple iphone 7 plus and 8 plus - marathoner at the point of sale terminal used at the merchant, And second, in order to even store these credentials on phones, the companies enabling the wallets needed to have arrangements with credit card companies and banks, For Google, the hurdles were difficult to get around since it does not manufacture its own devices, This meant it not only needed to convince merchants to upgrade their terminals, but it had to get device makers to include the NFC technology in the devices, This wasn't so hard given that companies like Samsung saw other uses for NFC, But even when handset makers included the NFC chip on their devices, it was up to the wireless carriers whether that functionality would be enabled, And AT&T, Verizon, and T-Mobile shut out the Google Wallet functionality..

As a result, Google shifted gears and revamped the service, turning it into a cloud-based app that stores credit card and loyalty card credentials in a secure Internet based service rather than on the device itself. Google Wallet still uses the NFC tap-and-pay functionality to access the cloud-based credentials, but because the information is stored remotely it also means that Google Wallet users can also access it through other password-secured Google services, such as Gmail. Just because other companies have failed to make a splash with mobile payments doesn't mean that Apple will meet the same fate. Apple's strength has historically been taking technologies that have been invented and used by other companies and refining them. The company then packages those technologies in such a way that the service is easy to use and appealing to millions of users.

"Apple didn't invent the smartphone or the tablet," Oxman said, "They weren't the first to offer mobile apps, But they raised defender series case for apple iphone 7 plus and 8 plus - marathoner consumer awareness of these products and services and they packaged it better than anyone else."Apple's golden touch could do the same for mobile payments and the beleaguered NFC technology that Apple will use to deploy the service, For one, Apple is using its existing base of iTunes accounts to allow people to fund their "wallets" using any credit card, This is a huge advantage since that was a major stumbling block for Google as well as the wireless operators..

"Consumers that have used NFC mobile payments have liked it," said Randy Vanderhoof, executive director of the Smart Card Alliance. "But they haven't liked not being able to use any payment card they want in their mobile wallet. Apple's wallet overcomes this challenge by letting consumers' use the card of their choice through their iTunes account. It's a smart move and a big win for NFC."Apple is also launching this new service at just the right time. In addition to getting consumers to buy devices that are NFC-enabled and making sure that they can access the service and link it to any credit card, another important piece of the puzzle is ensuring that merchants have the right equipment at check-out to accept the payment.

Apple may have chosen to launch its solution now since the payments industry is in the middle of a major transition to upgrade merchants' point-of-sale machines, so that they can accept the more secure token-based EMV (Europay, MasterCard and Visa) chip technology, Credit cards that use the EMV chip technology have an embedded microchip in them that the scanner reads instead of defender series case for apple iphone 7 plus and 8 plus - marathoner a magnetic strip, It's this chip that generates the unique tokens that are used to route transactions instead of static account numbers that are offered in the older magnetic strip cards that most US consumers currently use..

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