If you've ever been to a store, you know the drill: Browse the merchandise, pick something, carry it to the checkout counter, maybe wait in line, pay, then walk out with your purchases and a receipt.
Whether it's a clothing store, a grocery store, or a coffee shop, you're likely to find a big counter with a cash register on it, and a person operating that cash register on the other side. You go to them; they don't come to you. Why?
[ InfoWorld's Pete Babb tours cool uses for NFC beyond payments. And Galen Gruman explains why mobile payments won't develop in the way you might think. | Stay ahead of the key tech business news with InfoWorld's Today's Headlines: First Look newsletter. | Read Bill Snyder's Tech's Bottom Line blog for what the key business trends mean to you. ]
An American saloon owner named James Ritty invented the cash register in 1879. Since then, all cash registers have shared the characteristics of bigness, heaviness, and bulkiness -- and have required the old walk-up-to-the-counter behavior to buy things.
One notable exception is your local Apple Store. There are no cash registers. If you want to buy something, you flag down some kid wearing a brightly colored T-shirt and hand over your credit card. The kid scans the item's bar code with a specially outfitted iPhone or iPad, swipes your credit card, and emails you the receipt. The transaction can happen anywhere in the store.
Apple, apparently, thinks the whole process for buying things in retail stores is dumb. The big counter you have to walk up to? The giant machine for registering the transaction? The paper receipt? Dumb. Dumb. Dumb.
And it has a point. Cash registers are obsolete and unnecessary.
It won't, if one analyst has it right. More on that below.
The new world of contactless payments
When people talk about the future of digital wallets -- electronic smartphone-based replacements for credit cards, debit cards, and cash -- you're likely to hear the initials NFC in the same breath. NFC (near-field communications) is a set of technologies that makes it possible to pay for purchases using smartphones, among other things.
The idea is that all smartphones will contain NFC chips that let you use your phone as a credit card. To make a transaction, you pass your smartphone over or near a special gadget that's hooked up to a cash register as an equivalent to swiping a credit card.
Many Android devices and some BlackBerry smartphones already have NFC chips. A few retail stores use NFC equipment. (As I write this, I'm sitting in a shop that's part of the Peet's Coffee & Tea chain. There's an NFC device near the register at the checkout counter, and there's a little sign specifying Google Wallet-based payments.)