In Brief

A patent application reveals plans for a peer-to-peer lending platform.

We’ve all had this happen to us at least once: you’re out and about, doing your shopping or hanging with friends, and you realize you have no cash. The place you’re at/going doesn’t accept debit or credit cards, and the nearest ATM that you can use without a ridiculous surcharge from the machine (and your bank) is ten blocks away.

So what do you do? Normally, you’re forced to trek to the nearest ATM, eat the exorbitant surcharge, or have one of your friends spot you (if you’re not by yourself). There has to be a better way, and apparently Apple’s working on one.

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