PORTAMONETE DIGITALE ASSOLUTAMENTE ANONIMO - JPMORGAN E' ALL'AVANGUARDIA! UN PICCOLO SPIRAGLIO D LIBERTA' DELL'INDIVIDUO...
JPMORGAN HA BREVETTATO UN SISTEMA DI PAGAMENTO ELETTRONICO CHE NON COINVOLGE LE CARTE DI CREDITO O I BANCOMAT...IN PRATICA UN SISTEMA CHE ELIMINA IL SISTEMA BANCARIO PER IL PAGAMENTO FRA LE PARTI.
TALE SISTEMA DI PAGAMENTO SI BASA SULLA TECNOLOGIA UTILIZZATA DAL BITCOIN - SI BASA SUL CONCETTO DI PORTAFOGLIO ELETTRONICO PERSONALE (DIGITAL WALLET) E DI POSSIBILITA' DI TRASFERIMENTO DELLA VALUTA PEER TO PEER SENZA LASCIARE TRACCIA DEL PAGAMENTO CHE DIVENTA QUINDI ASSOLUTAMENTE ANONIMO...APPARENTEMENTE PROPRIO COME AVVIENE CON IL CONTANTE OGGI
As public enthusiasm continues to grow over bitcoin, the digital
crypto-currency, JPMorgan Chase seeks to patent an online payment system
that would allow digital wallets, as well as anonymity – the most
attractive feature to internet users.
In an apparent effort to compete with bitcoin, the decentralized
online currency that has taken the internet by storm, JPMorgan
Chase, the largest American bank by assets, has patented its own
online payment system.
According to a patent application filed August 5 with the US
Patent and Trademark Office (UPTO), JPMorgan’s patent would give
online users the ability to shop without the hassle of filling in
a payment form with each purchase.
With what has been dubbed its ‘Internet Pay Anyone Account,’ users will be able to spend "web cash" that has a "real-time digital exchange of value".
Admitting that traditional credit cards will continue to dominate the internet “for at least the next five years,” JPMorgan said the consumer cost of using credit cards for many low-cost purchases is becoming too expensive for many consumers. At the same time, use of the bitcoin has helped online merchants trim costs and attract new customers.
JPMorgan acknowledged the disadvantages of using traditional credit cards inside of a market that demands speed, security and, most importantly, low cost.
“While credit and debit cards may continue to be a viable payment option for merchants selling relatively high ticket items over the internet, credit and debit cards are not economically viable for purchases of lower cost items,” the US banking giant admitted in its patent application. “For lower-cost items, the relatively high transaction processing fees plus the discount result in the transaction processing fee consuming a relatively high proportion of the total revenue generated by the product sale.”
In an apparent nod to bitcoin, JPMorgan said the popularity of online shopping “is spawning a direct model in which manufacturers of products or services are able to deal directly with consumers.”
The patent application emphasized the rise of “intense price competition” among online manufacturers, who are facing “much tighter margins” to make a profit. The competition has forced merchants to find new ways of reducing payment processing costs for their customers.
With what has been dubbed its ‘Internet Pay Anyone Account,’ users will be able to spend "web cash" that has a "real-time digital exchange of value".
Admitting that traditional credit cards will continue to dominate the internet “for at least the next five years,” JPMorgan said the consumer cost of using credit cards for many low-cost purchases is becoming too expensive for many consumers. At the same time, use of the bitcoin has helped online merchants trim costs and attract new customers.
JPMorgan acknowledged the disadvantages of using traditional credit cards inside of a market that demands speed, security and, most importantly, low cost.
“While credit and debit cards may continue to be a viable payment option for merchants selling relatively high ticket items over the internet, credit and debit cards are not economically viable for purchases of lower cost items,” the US banking giant admitted in its patent application. “For lower-cost items, the relatively high transaction processing fees plus the discount result in the transaction processing fee consuming a relatively high proportion of the total revenue generated by the product sale.”
In an apparent nod to bitcoin, JPMorgan said the popularity of online shopping “is spawning a direct model in which manufacturers of products or services are able to deal directly with consumers.”
The patent application emphasized the rise of “intense price competition” among online manufacturers, who are facing “much tighter margins” to make a profit. The competition has forced merchants to find new ways of reducing payment processing costs for their customers.
IL SISTEMA IDEATO DA JPMORGAN PER FARE PAGAMENTI GARANTISCE L'ANONIMATO
The system also allows for anonymity.
"The credit pushes can be made completely anonymously, with the recipient of the credit having no way to determine from where the credit originated," the according to the bank’s application.
Another feature of JPMorgan’s patented digital wallet is the security it provides to online shoppers, who will be able to store virtual money into accounts, which, like bitcoin, is secured through cryptography, thus guaranteeing no breaches of security in the transaction between consumer and manufacturer.
The system also allows for anonymity.
"The credit pushes can be made completely anonymously, with the recipient of the credit having no way to determine from where the credit originated," the according to the bank’s application.
Another feature of JPMorgan’s patented digital wallet is the security it provides to online shoppers, who will be able to store virtual money into accounts, which, like bitcoin, is secured through cryptography, thus guaranteeing no breaches of security in the transaction between consumer and manufacturer.
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2 commenti:
Paolo è il tuo indirizzo ??
No ma ne ho uno anche io
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