Payment can be realized with no network support on mobile phone

Alipay yesterday launched the 7.6 version of Alipay Wallet, new public services, new transfer, new face-to-face pay, campus services, open platform and other functional services. In this way, it is of great concern to realize sound wave payment in the off-line environment without network signal.

It is reported that the new version of Alipay Wallet will be shelves in early November. Through the sound wave payment, the user may buy the goods in the vending machine through the handset, when used, the mobile phone near the vending machine, hand opportunity to play a section of ultrasound, sounds like a "swish", vending machine heard this sound after the automatic processing, users in their mobile phone input password, vending machines will spit out merchandise.

On the surface, sound waves pay a close payment similar to NFC (near-range wireless communication technology), but in reality it is similar to a two-dimensional code payment, which is also a form of online payment via Internet signaling.

In contrast to ordinary online payments, sound waves pay the bank card number information through a voice print issued by the payer or the payee's mobile phone. The terminal system launches the payment instruction to the remote server through the network after the card number information is identified through the "swish swish".

In other words, the mobile phone does not have network signal in the environment to achieve sound wave payment, the premise is the vending machine similar POS terminal system must be wired to the Internet transmission signal. The mobile phone only plays the bank card sound signal which is stored in the handset, the special Sound wave module embedded in the vending machine can read the bank card number information.

"This way of reading information is a bit similar to the magnetic stripe card payment, as long as the POS machine read your magnetic stripe, and then you can pay the password, the acoustic module read sound waves, with your password can also be paid." "One long-term study of mobile payments," said the banker.

Alipay Senior Product Manager Mengsuper to the morning paper reporter, the sound wave payment is essentially the discovery of two near-field, "not subject to outside noise interference, bypassing the hardware load, just transmission signal, does not involve the specific amount." ”

It is reported that this function can support the day to pay 200 yuan small account, in the future in the subway, shopping malls, campus vending machines and other equipment to promote. Currently, vending machines in the Shanghai Metro and the vending machines in some cinemas in Beijing have been tested, and vending machines equipped with the technology will soon meet passengers on the MTR, the Nanjing Subway and the Changchun Metro.

"We don't have anyone who can't sleep, we have only one real opponent, that's cash, and our ultimate goal is to eliminate the real wallet." "In yesterday's Alipay sharing meeting, Ali small Micro Domestic financial division president Genming said."

Banking sources said that some of the bank's mobile phone banks also introduced the Sound Wave payment module, "Only the safety factor and NFC mechanism of the IC card can not be compared, so the phone bank's sound wave payment plus the SMS verification code and the phone bank password two times to pay." ”

In contrast, with IC card payment, the terminal to be certified is a valid card in payment, card to certify that you are a legitimate terminal in the admissibility of payment, the two sides ' handshake ' after the payment of transactions can be carried down. There are essential differences between safety factor and payment method. The bankers said.

In addition, because the process of sound wave payment is slow, it is considered that the market prospects are limited and can not be extended to a more diversified application environment.