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'''Bezkontaktní platby''' (také známé jako "'''touch and go'''" nebo "'''wave and pay'''")<ref>{{cite web |url= http://www.information-age.com/channels/management-and-skills/features/272536/one-touch-commerce.thtml|title= One touch commerce, by Pete Swabey|accessdate=2009-03-17 |work= Information Age|publisher= |date= 2007-11-16}}</ref> jsou [[credit cards]] a[[debit cards]], příveskzpřívesky na klíče, [[smartcards]] nebo jiné zařízení které používají [[RFID]] za účelem vykonání zabezpečenýchbezkontaktních plateb. VloženýCelý čip a přijímač se používáprincip na místěprvní prodeje.pohled Někteřívypadá dodavatelévelice tvrdípříjemně, žejelikož transakcezákazník mohouu býtpokladny téměřpouze dvakrátpřiloží rychlejikartu neždo konvenčnívzdálenosti hotovost,několika kreditnímálo čicentimetrů debetníod kartyčtecího koupit. Protože žádný podpis ani PIN je obvykle nutné při nákupech v rámci US $ 25 v USAzařízení a méněběhem nežpár 15okamžiků liberse veautomaticky Velképrovede Británii, některé výzkumy ukazují, že spotřebitelé mohou utrácet více peněz kvůli klidu malých obchodůtransakce. [[MasterCard]]Není Canadazapotřebí sayszadávat itPIN, hasnebo seense "aboutdokonce 25 percent" higher spending by users of its [[PayPass]]-brand RFID credit cards.<ref>Dubinskypodepisovat, Zach.platba [http://www.cbc.ca/technology/story/2010/05/31/f-rfid-credit-cards-security-concerns.htmlproběhne "New credit cards pose security problem"]. CBCNews.ca. 2010-06-02.během Retrievedpár 2010-06-03vteřin.</ref>
== History ==
[[Mobil]] was one of the most notable early adopters of this technology, and offered their "[[Speedpass]]" contactless payment system for participating [[Mobil]] gas stations as early as 1997. Although Mobil has since merged with Exxon, the service is still offered at many of [[ExxonMobil]]'s stations.
[[The Co-operative Group]], [[Boots UK|Boots]], [[EAT.]], [[Pret a Manger]], [[Stagecoach Group]], [[Subway (restaurant)]] and [[AMT Coffee]] are among the retailers offering contactless payments to their customers in the UK. In July 2010 [[Little Chef]] became the first restaurant chain to adopt contactless.
Major financial entities now offering contactless payment systems include MasterCard, [[Citibank]], [[JPMorgan Chase]], [[American Express]], [[KeyBank]], [[Barclays]], [[Barclaycard]] and [[HSBC]]. [[Visa_Inc.#PayWave|Visa PayWave]] and [[Mastercard#PayPass|Mastercard PayPass]] are examples of contactless credit cards which become widespread in US and UK. The UK (and the rest of the world) version of the contactless applications differ from the US one. UK version has the capability of transacting offline, based on the limit stored in the application.
The first contactless cards in the UK were issued by Barclaycard in 2008. {{As of|2010|6}} there are approximately 9.6 million contactless-enabled cards, representing 7% of all cards, in circulation in the UK, with Barclaycard and Barclays leading the roll-out with eight million contactless-enabled cards in circulation and 25,000 terminals in use {{as of|2010|7|lc=on}}.<ref>{{cite web |url= http://www.contactless.info/Facts-and-Stats.asp|title= Key Facts and Stats|accessdate=2010-08-06 |work= Contactless.info|publisher= |date= 2010-07-10}}</ref>
Telecom operators are starting to get involved in contactless payments via the use of ''[[Near Field Communication|near field communication]]'' phones. [[Belgacom]]'s [[Pingping - Belgium]], for example, has a stored value account and via a partnership with [[Alcatel-Lucent]]'s [[touchatag]] provides contactless payment functionalities. In January 2010, Barclaycard partnered with mobile phone firm [[Orange (telecommunications)|Orange]], to launch a contactless credit card in the UK. Orange and Barclaycard also announced in 2009 that they will be launching a mobile phone with contactless technology.<ref>{{cite web |url= http://www.telegraph.co.uk/finance/newsbysector/mediatechnologyandtelecoms/telecoms/4958655/Barclaycard-and-Orange-unveil-pay-by-mobile-service.html|title= Barclaycard and Orange unveil pay-by-mobile service by Garry White|accessdate=2010-08-06 |work= Daily Telegraph|publisher= |date= 20109-03-08}}</ref>
== Security ==
As with all payment devices, contactless cards have a number of security features. Contactless runs over the same [[chip and PIN]] network as normal credit and debit card transactions, there is a payment limit on single transactions and contactless cards can only be used a certain number of times before customers are asked for their PIN. Contactless debit and credit transactions are protected by the same fraud guarantee as standard transactions.
Under fraud guarantee standards US banks claim to be liable for any fraudulent transactions charged to the contactless cards. However, banks are not liable for the identity theft that the RFID card can encourage. Hence, this security issue remains to be the most important concern to the end user.
==See also==
*[[Mobile payment]]
*[[Dashtop mobile]]
*[[Proximity card]]
*[[Near Field Communication]]
*[[Vicinity cards]]
*[[Oyster card]]
==References==
{{Reflist}}
==External links==
* [http://www.theglobeandmail.com/servlet/story/RTGAM.20070911.wgtnearfielf0911/BNStory/PersonalTech Near Future of Near Field by Joe Rayment, The Globe and Mail]
* [http://www.armadillodollar.com transferable RFID shield for purses, wallets, etc.]
* [http://www.secureikey.com RFID protected wallet / key holder]
* [http://locator.speedpass.com ExxonMobil Speedpass locations]
* [http://www.contactless.info Contactless.info is designed to provide information for UK retailers that have an interest in Contactless card acceptance]
* [http://contactless-world.com Blog focused on contactless technologies]
* [http://abcnews.go.com/Technology/Cybershake/story?id=771889&page=1 Chase's "blink" uses RFID]
{{DEFAULTSORT:Contactless Payment}}
{{Credit card concepts}}
[[Category:Radio-frequency identification]]
[[ta:தொடுகையுணர் செலுத்தல்]]
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