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iOS 27 內建「拍發票拆帳」功能，Apple 直搗 Venmo 與 Splitwise 地盤

Apple 將在 iOS 27 內建全新拆帳工具，用戶可拍攝實體發票、將個別品項指派給聯絡人，並直接在 Wallet 與訊息 App 中發送 Apple Cash 收款請求。該工具仰賴 AI 驅動的光學字元辨識技術掃描發票，自動計算每人應付金額（含稅與小費），並透過 iMessage 發送付款請求。

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Illustration of an iPhone scanning a restaurant receipt with Apple Cash bill-splitting interface — What new bill-splitting feature is Apple planning for iOS 27, how will it work, when will it be announced, and how does it challenge existinThe new iOS 27 bill-splitting feature uses AI to scan receipts and send Apple Cash payment requests. Image: AI-generated via GPT Image 1.5.
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Create a landscape editorial hero image for this Studio Global article: What new bill-splitting feature is Apple planning for iOS 27, how will it work, when will it be announced, and how does it challenge existin. Article summary: Apple is planning a new bill-splitting feature for iOS 27 that lets users take a photo of a receipt, assign items to individuals, and send payment requests directly through Apple Cash — all from within the Wallet and Mes. Topic tags: general, general web. Reference image context from search candidates: Reference image 1: visual subject "According to Bloomberg's report, the next iOS update will introduce a new Create a Pass feature, letting you add your own tickets, cards, and" source context "iOS 27 could bring an amazing new feature to Apple Wallet | Stuff" Reference image 2: visual subject "Apple Inc. is preparing a new “Create a Pass” feature for its next ma
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Apple 正準備在 iOS 27 中推出全新的拆帳功能，讓 iPhone 用戶只要對實體發票拍張照，就能將上面的品項指派給不同人，並直接透過 Apple Cash 發送收款請求——全程在 Wallet 和訊息 App 內就能完成。這項消息最早由《彭博社》的 Mark Gurman 於 2026 年 6 月 1 日披露，預計將在 6 月 8 日當週的蘋果全球開發者大會（WWDC）上正式亮相，並於秋季隨 iOS 27 正式版推送給大眾。

此舉無疑是 Apple 直接踩進 Venmo、Splitwise 和 Cash App 等熱門第三方支付與拆帳服務的地盤，把聚餐或團體消費後「分錢」這個常見的社交痛點，變成 iPhone 的原生功能。

iOS 27 拆帳功能的運作方式

Apple 設計的操作流程簡單直覺，旨在省去群組消費後為了結清款項而頻繁往返溝通的麻煩：

拍攝發票掃描： 在聚餐或共同購物後，由先行支付全額的人將 iPhone 鏡頭對準發票。AI 驅動的光學字元辨識（OCR）與電腦視覺技術會自動識別個別品項、小計、稅金與服務費。

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