I dark Horse: How will mobile internet change the financial sector?

"I Am Black Horse Guide" mobile internet How will change http://www.aliyun.com/zixun/aggregation/14199.html "> Finance industry?" The world will turn to short-range wireless communication technology. Close-range wireless communication technology chips will be installed in the mobile phone of 500 million ~10 billion by 2020. That is to say, 80%~90% 's global purchasing power will be realized by people's mobile short-range wireless communication technology equipment.

Wallet: Smart money is coming

Wireless RF technology: Bar code will be outdated-a new generation of identity: seamless-super safe mobile key-cash is outdated-credit card-new bank: A real Big Apple-discount card: not just buy-let the robbery never happen again

When the Greek hero Perseus came to Atlas, he thought he had come to a sculpture park, because there were human-like stones everywhere. In fact, they were all people, because they saw the medusa of the snake and the beauty turned into stone. Perseus was here to get rid of her, when she was found sleeping. He saw her from the reflection of the shield, so that she was not petrified and cut her head off. Perseus realized that Medusa's skull would make him the strongest man in the world, and put it in his pocket, also called "the Bag of God", and the scholar translated the word "wallet".

The wallet is used for valuables. In the 1th century, the purse was the traveler's backpack for food, tools and merchandise. In fact, the wallet and the stuff it's loaded with is usually an important item on which a person lives. People use a small bag [called Bowgette in medieval English, which is derived as a "budget" (budget)] to load coins and hang them on a belt.

In the 17th century, the value of things became more and more compact, thanks to Dutch John Pamschuch. The Dutch government put him in the debtor's prison, so he emigrated to Sweden, where he established the Bank of Stockholm. After 30 years of bloody war, the Swedish economy is crumbling, and because Sweden's gold and silver reserves are insufficient, it has to cast copper coins. Each coin weighs 4 pounds, which does not change the size of the wallet, and in 1644 the Bank of Stockholm issued a 43-pound ingot that was almost heavier than a child in kindergarten.

Pamschuch lobbied for banknotes, and the royal family did not agree until 1661. At first the experiment went quite well, but by 1668 the paper was too heavy to cause a crash. The royal family ordered him to be executed, but luckily he finally commuted to life imprisonment.

Despite Pamschuch's bad starts, paper money is still being spread in Europe.

In the end, paper money brought a compact modern wallet, which first appeared in 17th century. Notes can be easily inserted into the wallet, and can be folded in the pocket. It also has the mezzanine to be able to install "the Trade card". The "Trade card" first appeared in London at the end of 17th century to borrow money, the embryonic form of credit cards. Now more money is being packaged-cash, credit and debit cards, VIP cards, ID cards, but with the advent of mobile technology, our small wallets will soon be gone.

Wireless RF technology: Bar code will be outdated

In 1948, Bernard Silvo and Nome Wood heard local supermarket officials complaining about the trouble with the checkout. He said the checkout was slow, the cashier often went wrong, and the cash register could not collect product information. To deal with these problems, Krisian and woodland invented barcodes, and consumers didn't see it until 1968 at a Kroger supermarket in Cincinnati. Today these familiar black-and-white barcodes are everywhere, and checkout becomes simpler, quicker and more reliable.

There is also a flaw in the bar code, one of which is the need to scan the code directly, while radio frequency identification technology compensates for this flaw. With radio frequency identification technology, electronic labels on goods are transmitted through radio waves to nearby readers. RFID tags typically consist of a small radio frequency transmitter and receiver that can be read from a few meters away without being directly aligned.

The RFID label concept is the foundation of a new short-range wireless communication technology that allows wireless devices to exchange information between inches. This is different from the familiar Bluetooth technology, and short-range wireless communication technology does not require a cumbersome pairing process. Because of its ease of use, proximity wireless communication technology is suitable for all potential "inductive" applications, from exchanging photos with friends to moving payments or exchanging ticket or coupon information. Close-range wireless communication technology is also a very secure communication technology, because the proximity of devices and the proximity of radio frequency signals makes it difficult for thieves to intercept data.

As of 2012, large companies such as Google, Microsoft, Visa and American Express combined with leading mobile device manufacturers and wireless carriers, near-distance wireless communications technology to the market. Android phones are already equipped with short-range wireless communications technology chips, and the next generation of Apple iphones will be installed. The world will turn to short-range wireless communication technology. Close-range wireless communication technology chips will be installed in the mobile phone of 500 million ~10 billion by 2020. That is to say, 80%~90% 's global purchasing power will be realized by people's mobile short-range wireless communication technology equipment.