Apple pay online flash pay pie code faction competition tends to white hot-姉summer

Apple Pay line scan code sent to send flash pay competition trend superheating source: interface Apple Pay officially launched, the original climate "flash pay school" in the Apple pay and UnionPay combination, is WeChat, Alipay mobile challenge on behalf of the "mainstream payment scan code sent" position. Zhan Chen photo source: visual China Apple Pay on February 18th at 5 in the morning on the line. In the field of mobile payments, WeChat and Alipay have already crazy enclosure, but this time Apple also menacing, near the union this tree, a "War Within Three Kingdoms" will be staged. Domestic mobile payment is divided into two factions: one is based on the two-dimensional code scan code sent ", such as WeChat and Alipay; the other is based on NFC technology, including Apple Pay (NFC)" flash pay school". Although early in 2008 NFC patent has been mature, but the domestic NFC industry by the end demand and policy threshold, POS iterative slow and other factors, the development is lagging behind. On the one hand, since the beginning of the birth of NFC has been applied to banks, operators and other traditional institutions, but because of the lack of "user centered" thinking in the Internet, BAT as the representative of the Internet Co across the field of mobile payment when some unable to parry; on the other hand, NFC long chain, involving telecom operators, third party payment, bank, hardware and software vendors and other related parties, mutual interest coordination is difficult. Apple Pay, the policy threshold causing it unable to get the third party payment license, as a simple means of payment, in cooperation with UnionPay can use its licence and resources into the market quickly. But the status of UnionPay online payment, with the gradual decline of bank card payment, cloud payment promotion more slowly, gradually began to retreat. Huatai Securities chief analyst Luo Yi believes that the embrace of Apple Pay can be seen as UnionPay upgrade technical equipment, embedded Internet thinking, for businesses, maintenance of account system resources for the backhand stroke line. It is understood that China UnionPay flash pay cloud officially opened to support the Apple Pay service, Chinese within cardholder can be added to the UnionPay card iPhone, Watch and Apple iPad, and App in the "online payment merchants UnionPay cloud flash pay line. At present, the main domestic commercial banks has nearly 20 support this service, in addition to the first batch of service has opened the industrial and commercial bank, Agricultural Bank (loan), China bank, construction bank, postal savings bank (borrow), CITIC Bank, Minsheng Bank, China Merchants Bank, industrial bank, Guangdong Development Bank, Shanghai Pudong Development Bank, Bank of Shanghai traffic, bank, China Everbright Bank, Huaxia Bank, Ping An Bank, Beijing bank, Ningbo bank and the Bank of Guangzhou will also be opened in the near future on the line. Users only need to open the Wallet App Apple Pay in support of Apple devices, adding the bank debit card or credit card, can be added after the completion of the "cloud online UnionPay flash pay merchants and online App convenient safely.

Apple Pay上线 闪付派扫码派竞争趋向白热化   来源:界面   Apple Pay正式上线,使原本未成气候的“闪付派”在Apple pay与银联强强联合后,正在挑战微信、支付宝代表的移动支付“扫码派”的主流地位。   詹晨 图片来源:视觉中国   Apple Pay于2月18日凌晨5点上线。在移动支付领域,微信和支付宝早已疯狂圈地,而苹果这一次也来势汹汹,傍上银联这棵大树,一场“三国杀”即将上演。   国内移动支付主要分为两大派别:一种是基于二维码的“扫码派”,如微信和支付宝;另一种是包括Apple Pay在内基于NFC技术(近距离无线通讯技术)的“闪付派”。尽管早在2008年NFC专利便已成熟,但国内NFC产业受到终端需求不足、政策门槛、POS机迭代缓慢等因素制约,发展较为滞后。   一方面,NFC自诞生之初便一直应用于银行、运营商等传统机构,但因为欠缺“以用户为中心”的互联网思维,在BAT为代表的互联网公司横扫移动支付领域之时有些招架无力;另一方面,NFC产业链冗长,涉及电信运营商、第三方支付、银行、软硬件厂商等众多相关方,彼此间利益协调难度较大。   就Apple Pay来说,政策门槛导致它无法获得第三方支付牌照,作为单纯支付工具,与银联合作可以利用其牌照和资源优势快速打入市场。但银联在线下支付的地位,随着银行卡支付日渐式微,云闪付推广较缓,逐渐开始退居一隅。   华泰证券首席分析师罗毅认为,拥抱Apple Pay可以看做是银联升级技术装备、嵌入互联网思维之后,针对线下商户资源争夺、维护账户体系的反手一搏。   据了解,银联云闪付正式开通支持Apple Pay服务,中国境内的持卡人可将银联卡添加到iPhone、Apple Watch以及iPad上,在“银联云闪付”线下商户及线上App支付。   目前,国内已有近20家主要商业银行支持此项服务,除首批已开通服务的工商银行、农业银行(贷)、中国银行、建设银行、邮政储蓄银行(借)、中信银行、民生银行、招商银行、兴业银行、广发银行、浦发银行、上海银行之外,交通银行、光大银行、华夏银行、平安银行、北京银行、宁波银行和广州银行也将于近期开通上线。   用户仅需在支持Apple Pay的苹果设备中打开Wallet App,添加上述银行的借记卡或信用卡,添加完成后即可在线下“银联云闪付”商户及线上App便捷安全地进行支付。基于银联云闪付的Apple Pay,通过应用业界领先的Token(支付标记)、Touch ID(指纹验证)及安全芯片技术,能够有效保障用户的支付安全。   平安银行信用卡中心工作人员告诉记者,相较于扫码支付而言,使用Apple Pay支付操作时,只需把手机靠近无线POS机(带有银联、闪付或者Apple Pay标识的POS机均可),用指纹认证即可完成支付,整个过程不需要再次输入银行卡信息,非常方便安全。   Apple Pay之所以具有如此高的安全性和私密性,因为在整个申请、使用上,系统都做了安全特殊处理:添加信用卡或借记卡时,实际的卡号既不存储在设备上,也不存储在Apple的服务器上。系统会分配一个唯一的Device Account Number设备帐号,对该帐号进行加密,并以安全的方式将其存储在设备上的Secure Element安全芯片中。每次交易都使用一次性的唯一动态安全码进行授权。   罗毅认为,Apple Pay作为他山之石,携“NFC+指纹识别技术”搭界中国银联,有望掀起新一轮移动支付潮流。相比互联网企业的二维码支付,银联NFC方案在数据保密性、技术安全性、操作快捷性、产业生态系统方面略胜一筹。   目前国内移动支付市场,仍由支付宝和微信支付当道,合计市场份额70%以上。鉴于扫码支付本身的便捷性、用户生态圈黏性以及NFC过去几年的暂时性失速,互联网移动支付短期内仍将充当主力军。   “出路在于应用场景,发力点在于用户建设。”罗毅表示,未来NFC发展的突破口在于探求和开发贴合用户需求的应用场景,围绕用户消费体验,设计定制化的NFC支付应用,建立完整的支付服务体系,在满足安全和便捷的前提下,与扫码系展开一场用户争夺的较量。相关的主题文章:

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