Hand Q into the bureau NFC paid to rob ApplePay jobs

Text/Luo around the mobile payment of the "Two horse war" has become routine attack and defense, looks like an ending, but the undercurrent. In addition to the brewing micro-letter, Alipay, hand Q and Baidu Wallet will participate in the Spring Festival red envelopes outside, hand Q the latest version 5.4 has supported China UnionPay flash IC card to achieve contactless payment, in the payment of users can directly with the mobile phone close to have "flash pay" logo UnionPay card to complete a variety of scene payments. After Alipay, Apple pay, hand Q supports NFC and has had to re-examine the value of the NFC payment technology, which was late in the morning. An early morning to catch a late set of NFC paid back the full name of NFC is near field communication (Near-field communication), which is developed by Philips Semiconductor (now-en-wise Semiconductor), Nokia and Sony, based on RFID (non-contact RFID) technology. NFC can achieve short distance secure wireless connection, mainly used in two scenes: 1, a card with information, used for identity authentication, small payment, ticket tickets, bus cards and so on. 2, point-to-point data transmission, at this time it with Bluetooth and infrared effect is similar, just create connection faster, faster transmission rate and transmission distance shorter characteristics. NFC payments fall into the first scenario. There are already many popular products, bus cards, campus cards, one card, one-way tickets, tickets and so on. These cards are not connected to mobile apps, are not intelligently managed, and are far from the expectation of mobile payments, and the need for hardware-enabled NFC to connect to mobile apps is not ripe in the past. A few years ago, operators in Guangzhou push mobile phone xx pass, their program does not need mobile phone support NFC, but pry open the phone behind the lid on the battery affixed to a flexible card, and then support NFC POS, this complex program for less mobile phones, recharge failure rate is high, very troublesome, not universal. In addition, NFC's expensive cost of terminal modification, the long game of operators and UnionPay in the standard, and the lack of demonstration benefits of star scenes have slowed the pace of NFC payments in China. In fact, NFC payments, in addition to the rapid growth of more than 50 million users in Japan, almost all in Europe and the United States have suffered similar difficulties, China once stalled. 2013 began China's Internet financial bursting, internet players "based on the app of two-dimensional code payment" "Based on app remote ID payment," The zenith, the speed of development. In order to promote these payment methods, Tencent and Ali between the outbreak of a series of taxi app subsidy war, the spring Festival red envelopes, the results are significant. However, this has been caused by the traditional financial institutions some resistance, such as "Two-dimensional code payment" was once stopped by the relevant departments. Since 2014, NFC has been once again an important agenda for the financial institutions represented by operators, terminals, UnionPay, and internet payment companies. Why was the almost-abandoned NFC payment pushed to the front desk again? Comparatively speaking, Alipay wallet, micro-letter payment, QQ Wallet, BaiduWallets and other Internet payment applications have the following advantages: First, the overall cost is low. It does not need to reinvent the POS, and does not require a mobile phone to add NFC chips, compared to NFC mobile payments. These modifications will cost a lot of money, and costs will be shifted to businesses and users. The second is the low rate of payment. Internet companies are free thinking, for businesses too, can give more than UnionPay and the future of NFC pay lower rates, Baidu Wallet in order to do promotional once to do 0 rate. This makes businesses more pro-lai Internet payment. Third, high value-added. On the basis of payment, Internet enterprises can provide the additional services such as large data analysis, member management system, cross marketing, e-commerce and internet marketing promotion. With simple system upgrades, businesses can be given a completely different transaction management experience and add value to the transaction. It's also a big attraction for businesses. However, it is also important to see that NFC payments have a significant advantage in terms of "security", and relatively convenient, because only "drop", or even remove the password, two-dimensional code such as the authentication process. It is for this reason that NFC is beginning to be "Top-down". Li Xiaofeng, director of the Central bank's leading group of financial IC cards, at the end of last April, stated that two-dimensional codes are inexpensive to pay but not secure, and that the two-dimensional code technology without password authentication cannot be widely promoted online. He thinks China's mobile payment development goal should be to promote the integration of mobile financial services and financial IC cards, commercial banks, telecommunications operators, China UnionPay's NFC mobile payment electronic route as the leading, Third-party payment agencies, local/regional mobile payment electronic routes to complement each other to achieve complementary advantages, win. In support of this view, China UnionPay announced that as of the end of the quarter of 2014, the national "flash pay" terminal nearly 3 million units can support the financial IC card and NFC mobile phone payment to accept, the transformation of a POS machine about 300-500 yuan, UnionPay to subsidize. Public information shows that UnionPay's flagship NFC payment product "flash payment" has been widely used in daily small payment businesses, including supermarkets, convenience stores, pharmacies, markets, car parks, gas stations and other retail venues and public service areas. At the same time, the "Flash pay" bank cards to promote rapid progress, the number of card issuers up to 200 million. The fact that NFC mobile payments are dominated by UnionPay is not a reality, and operators have accepted it. Apart from the mobile payment platform, which is the core of the joint build TMS system, the popularity of NFC mobile phones is being vigorously promoted. China Mobile will subsidize 30 yuan for every NFC mobile phone it sells. Mobile headquarters also issued a request for 4G card to bind the Nfc-sim card by default. China Telecom said that the 4G-era sky-wing terminals will all have NFC capabilities. A report in the Securities Times shows that in 2014 the three operators adopted subsidy policy to promote NFC terminals totaling about 60 million to 100 million, Nfc-sim card purchases will exceed 150 million. Another important reason is that handset terminal vendors are beginning to support NFC, especially IphonE6 began to promote Apple Pay, but also let people see the mobile phone "drop card" payment era is coming. Huawei's Glory 6 Plus, the Phantom MX4 Pro, Huawei Mate 7, Samsung Galaxy S5 and other star models have supported NFC. By pushing through the fog of mobile payments, everything becomes clear: Internet payments and NFC payments are increasingly competitive, with NFC policies, POS terminals, consumer devices and ecological combinations already being played.