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The technology behind smart payment rings isn’t new. However, it’s a different way to use it, opening many new opportunities for the future of wearable smart technology. These rings use both NFC and RFID technology. They also both rely on electromagnetic waves to carry out their functions, so the rings don’t need batteries. Users can set their preferences and information during an initial setup via smartphone. This includes their personal bank information, as well as the parameters of their activity and more. After setup is complete, there’s no longer any need for a phone, since the payment ring operates on its own in the same way a debit card does.Smart rings use both NFC and RFID technology to make payments in person and in real-time, almost exactly the way a debit card works, if with slightly different technology. As with most smart technology, that isn’t all there is to NFC and RFID payment rings. They both rely on the excitation of the antenna and chip to function. It’s not necessary to keep the data on the ring but in the cloud. Payment rings are generally banking controlled via EMV, which is a certification that allows banks to do this process. NFC rings are also used for time and attendance, such as crowd control activities like concerts and races. Their transaction and information-sharing capabilities are being used for new devices that will make life easier and more secure.  RFID tags can be found across hundreds of industries. They track warehouse orders, label car parts for safety regulations, and microchip everything from cattle to housecats. They automatically scan and read the embedded tags in their vicinity, such as in a payment scanner.