10 ways to pay for mobile internet

[Guide] today's product managers and developers are dividing "mobile payments" into "remote payments" and "near-field payments", but obviously, more users don't care about the principle, they only care if the new payment method can not have enough "future", whether they feel good enough. In this era of mobile internet, even the "spending" posture has become fashionable.

Perhaps the elders are still paying cash, but the younger generation has apparently turned the phone into a wallet. They are keen to hold their mobile phones in front of various recognizers "drop sound", and this way of spending is called "Brush mobile phone"; or, with a mobile phone camera to take some strange looking two-dimensional code and then go shopping directly, or walk to the café, simply by name can take a cup of latte, because the money will be automatically deducted; After a friend's dinner, young people just shake their mobile phones, they can transfer money to friends as "whip" money.

Product managers and developers have divided "mobile payments" into "long-distance payments" and "near-field payments", but more users don't care about the principle, but whether the new payment options are enough "futuristic" and useful.

From the results of the efforts of major companies, at present, at least the following 10 kinds of "future payment" has become a reality.

Next, we might be waiting for the time to put the payment chip into the body, as science fiction does.

1. Two D code payment: that is, the so-called "pat on the pay." Open the phone on the payment client, which has a two-dimensional code recognition function, it can be used to capture and identify printed on a variety of objects in two-dimensional code merchandise information, recognition, you directly click Payment, complete the transaction, goods by courier sent to the home.

Provider-Alipay, PayPal

2. NFC Mobile wallet: turn mobile phones into real wallets by embedding NFC chips into mobile phones or by adding NFC patches to mobile phones. In the payment, the need for the merchant to provide the corresponding receiver, so that we can take the phone to complete the "brush" this action, convenient payment, the whole process is like in the Brush bus card.

It needs to be noted that NFC refers to near Field communication, the Chinese name "Proximity wireless communication Technology", which can easily transfer contacts, pictures, music, etc. via NFC and can also be used for payment.

Provider Google, China Mobile (Weibo), Docomo

3. Shake a roll transfer: We all open the payment client, take out the mobile phone "shake", the other side of the account will automatically run to your mobile phone, the next is the convenient input amount and payment, is simply a dinner whip and fruit stall small boss checkout a sharp weapon ah. The technology behind it includes GPS, Bluetooth, gravitational acceleration, NFC and so on, and of course, users don't have to memorize these nouns.

Provider-Alipay, PayPal

4. SMS Payment: SMS payment has a long history, send a string of characters to the designated number can complete the phone recharge and other payments, and now has more deduction. For example, the payment of SMS to the Internet to pay water and electricity is turned into a "stunning" function, the first time you use, you still use the PC on the Internet, in the third party to pay the website login account, pay the water and electricity after the choice of "payment reminder", thereafter, each month to the payment, the payment company will automatically send text messages, Reply Three verification code, water and electricity cost is finished, just 3 seconds, home never power.

Later, this function evolved into a "super transfer", you do not even have to know the other party's account, the payment on the client after the transfer, the other text reply to the bank card number can complete the collection.

Provider--Alipay, linkage advantage

5. "Geo-fencing" identification, "see photo" confirmed payment: When you reach the café a within 100 metres, the payment application that the café is using will activate the geofencing (geo-fencing) technology, automatically perceive your arrival, pull up your account, name and photos, etc. Of course, you will also be given notice. Once you have received a notification that you have purchased a cup of coffee, you only need to name it when you arrive at the café, and the cashier looks at the photo to confirm that it is you and she can press the payment confirmation key to complete the payment and you can take the coffee away. Soon you will also receive a push notification informing you how much you have spent and getting an electronic invoice.

Provider--square

6. Voice Payment: A specific voice command is already embedded in the TV advertisement, and the corresponding payment application is installed on the mobile phone. When you are watching TV, the payment application is opened, it can receive and identify the voice band embedded in the advertisement, and ask the user whether they need to purchase this product and make payment.

Provider-MasterCard

7. Image recognition Payment: This payment is the credit card version of the "card Almighty", it uses a mobile phone camera to read credit card information, including credit card number and expiration date, then you can launch a collection.

Provider-Silicon Valley start-up company Card.io (it was recently acquired by PayPal)

8. Ultrasonic Recognition Payment: This function is actually a "near-field" recognition, but it is using ultrasound, so that the phone through the microphone and speakers can complete a near-field "Joseph", without relying on a dedicated chip, do not need to change your mobile phone, the user experience and all the "brush the phone" payment in the same way.

Provider--Silicon Valley start-up company Naratte, Bo

9. Portable Card reader: Portable card reader can be used to identify a variety of bank cards, so as to achieve the purpose of card consumption or payment at any time. The card reader is very small, square or rectangular, you can easily insert the phone in the headphone jack, after installation, open the application can be credit card.

Provider--square, Lakara, box payment, quick money, music brush

10. Barcode Payment: This payment method is more like "barcode collection". By installing the payment client, your Third-party payment account can be made into a barcode, and the cashier uses a barcode gun to scan the user's phone, the user clicks on the button to pay, and the payment is completed.