“PalmPay”
Mikhail Lebedev, a professor at Skoltech, told Gazeta.ru that Russian banks, with a chip in hand, could be at the forefront of popularizing the method of payment in the country.
“Firstly, it is more difficult to steal such a “card” – you cannot get it out of your pocket. Secondly, you don’t need to carry it with you all the time, so the technology is already closer to Apple Pay and Google Pay, you don’t even need to have a smartphone.
According to the expert, any information can be attached to the chip, that is, it cannot simply serve as a bank card. “A few people have already done this and created a payment instrument in their palm to show what kind of cyborg they are,” Lebedev said.
Experts believe that they may be interested in the insertion of the chip in terms of contactless payments, as they use smartphones more often than cash and cards.
At the same time, Lebedev is confident that it will be even more useful for the elderly to have such a device under the skin. “Such a chip also helps find an elderly person if he gets lost. Or, for example, the elderly got sick and the chip will contain medical information,” he said.
Ivan Samoylenko, managing partner of B&C Agency, agrees with this view. “In the future, of course, it is the banks that will be the ones to initiate and lead the use of implantable chips in Russia,” he told socialbites.ca.
The main thing, according to the expert, is the development of a technical infrastructure that will allow Russia to “read” information from a chip and make payments.
“It is a very real expectation for Russia that in the next 5-10 years there will be more citizens who will have all their data hidden under their skin,” the speaker said.
Samoylenko explained that the implantation of chips under the skin is to some extent already a reality.
“In the West (especially in Sweden), a program for the insertion of chips has long been implemented, and there many citizens store electronic analogues of their documents in this way,” he said.
According to the expert, the chip placement program in Russia began in 2014, and so far there are not so many Russians with chips in their hands – up to a thousand people.
“But there are potentially about 100,000 people who are supporters of chipping. It’s pretty much the same as in Sweden,” Samoylenko summed up.
underwater rocks
Skoltech Professor Mikhail Lebedev explained that you first need to solve a few very possible problems when popularizing a payment chip.
“The issue needs to be resolved by the fact that debit cards expire and need to be replaced. Of course, you can remove it under the skin and put on a new one every time, but I doubt such a solution for the development of technology,” he said.
According to the expert, ethical problems can also arise – from distrust of companies that will embed the chips, to suspicion of using data to the detriment of the customer.
B&C Agency’s Ivan Samoylenko explained that it is still difficult to talk about mass adoption of the technology due to potential problems with the availability of components for the chips.
“There is a purely technical problem with conventional chips – their shortage and sanctions on Russian banks have already caused some difficulties in issuing standard plastic cards,” he said.
According to the expert, there are enough manufacturers of such chips in the world, they are also in Russia. For example, Implant-Chip makes affordable chips that can be injected under the skin. He also pointed out that a special syringe for chip insertion is sold in online markets.
safe for health
Neurophysiologist and developer of neurocomputer interfaces, Mikhail Lebedev, said it is medically safe to implant a chip under the skin.
“Such simple operations have been done for different purposes for a long time. And it’s also easy to implement, placing a chip so that it’s payment with the palm of your hand instead of a bank card,” he said.
According to the neurophysiologist, a few millimeter chip can be used for payment transactions. The device is injected shallowly under the skin with a syringe.
“The chip itself is covered with a special capsule that protects it from any impact. The capsule uses a biocompatible coating such as Teflon. It does not cause body rejection of the chip,” added Lebedev.
Experienced
st. resident of St. Petersburg Hallu [настоящее имя не раскрывает — «Газета.Ru»] has been living for several years with a working chip to pay for purchases.
By words A 24-year-old girl working as a make-up artist implanted a chip in a piercing parlor, and the whole procedure took about half an hour. There was a small scar at the surgery site.
Hallu noted that all this time, the chip did not affect his health in any way and did not interfere with a full life. The dimensions of the device are 2.5 cm x 1.1 cm.
But the Russian woman explained that several difficult steps had to be taken to prepare the chip for implantation. First I had to dissolve a bank card in acid, add an antenna to the remaining chip, and then enclose it in a protective silicone capsule. After that, the chip was placed in special solutions to make it safe for subcutaneous insertion.
According to him, all the actions were carried out by professionals with whom he was familiar, but officially this service is not yet available in banks. “My card is just for fun. It’s funny when a father puts his fist on the terminal, ”Halu finished.
Source: Gazeta
