h a l f b a k e r yAssume a hemispherical cow.
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Web Wallet
Know at a glance what your accounts are up to | |
Imagine if you would, a wallet, perfectly ordinary internally, capable of storing several cards, notes and a smattering of loose change.
However, around the outside of your new wallet, rather than a crude covering of treated cow hide, or duct tape, you can see a fully functional, flexible display.
Hidden
cleverly inbetween the layers of the wallet is a tiny Wi-Fi card, on board computer, and RFID antenna.
The RFID antenna receives your account information from your brand new smart bank cards, and passes it onto the on board computer, which will then use the Wi-Fi connection to log onto your online banking facilities and display your balance on the outside of your wallet, along with any other pertinent information, such as recent monetary movements, and so on. For mulitple accounts, the wallet can either switch between accounts every ten seconds or so, or scroll the information across the wallet stock, market info style.
(I welcome any clever idea name suggestions that will undoubtedly be better than my piss poor attempt)
[link]
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This is only slightly less nerve wracking than posting my first ever idea. |
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Hm. How does the wallet authenticate itself to the bank card? (That is, how do I distinguish my wallet from that of the person who just happens to be standing next to me in a crowded subway train?) |
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why? what piss po idea was that? |
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I just meant I wanted some witty play on words [po] I never quite got the hang of them.
[jutta] as for your concerns, I don't have a solid idea, I know that there are some forms of RFID tags that use a variety of methods to secure data, but couldn't really elaborate further *goes and has a look on wikipedia* |
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Ok, so it would appear that anything that would provide a secure level of communication would probably be rather pricey, although I guess that would just make a Web Wallet something of a status symbol. |
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Also, if you've got their bank information, surely you could just ask if you could sneak a look at the outside of their wallet....
(Stop annotating your own idea now [kaz], it might look like you're talking to yourself). |
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I'd put card readers in the card slots in the wallet, rather than using RFID and Wi-Fi. |
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I think it would be far more secure than broadcasting data all over the place. I won't use any mobile device or wireless network connection for internet banking, because the data they send is potentially insecure. |
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The price probably isn't as big a deal as you think. I have a Tumi coat wallet that cost quite a bit. |
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I want a coat wallet more than anything else in the world. |
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I know it'd be hideously insecure, but if it just used card readers, it wouldn't be able to display up to date account information, what with the card not storing that sort of stuff.
<dubiously>Maybe it could have an ethernet port on it</dubiously> |
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Even worse than the insecurity of WiFi is the fact that if a pickpocket gets ahold of your wallet, or if you leave it somewhere and a dishonest person finds it, they now have access to all of your account information at a glance. Then there are the technical problems, such as keeping the screen from being damaged, battery drain from a constant-on screen and constant-on WiFi, and the fact that there's an app for this available for some smartphones already. On my G1, there's an app called Mobile Banking, and it's run by Bank of America. I'll type the app's description from the Android Market here: |
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//One-touch access to Mobile Banking from Bank of America (R). Get available balance updates while on the go. Plus you can pay bills, transfer funds or find the nearest ATM or Banking Center using GPS (not available in WA or ID).// |
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While I realize that BoA is a horrible, evil empire, that doesn't exclude their work from prior art. While it's not the same thing as what's proposed here, it's just as convenient, and is more secure. And i've used the app, I can attest that it works and works well, and the ATM finder does work in Washington, i don't know what the guy who wrote the description was smoking. |
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Fair comments all round. Ah well, back to the drawing board. |
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