Speaking of mobile payments, everyone knows about Apple Pay, but what else does Apple Pay have to do with various "black technology" mobile payment methods? No longer need to turn around the wallet, find change, take out the mobile phone to open the NFC live scan QR code will be able to pay, together with Xiao Bian to see the principle of various payment methods.
The launch of the famous Apple company, the implementation principle is similar to that of the current China UnionPay-supported "QuickPass" chip card, which is achieved through NFC technology. Most of the POS machines now support card payment, and the bank card that supports “flash payment†can sense the card as if it were a public transportation card in front of the POS machine. A small amount of “password-free†payment can be realized according to the payment scenario and amount. , or enter your password for offline payment after card is swiped.
Apple Pay uses the machine's own NFC antenna and POS communication to replace the credit card function after binding your credit card in the mobile phone. In the credit card, the mobile phone's NFC and check Touch ID (equivalent to entering a password) are used to complete the payment. Although it seems to be very high-tech, it will not be difficult for manufacturers and bank acquirers to reach an agreement.
Apple and Samsung are rivals. If you have Apple Pay, I'm going to have a Samsung Pay. Unlike Apple's use of NFC, Samsung uses Magnetic Secure Transmission (MST) technology.
Samsung's current flagship models (S6 edge+, S6 edge, Note 5, etc.) have built-in coils that can emit “magnetic barcodes,†and mobile phones can emulate bank cards with magnetic stripe for card swiping. In other words, I can "disguise" my mobile phone into a bank card with a magnetic stripe and "cheat" the POS machine, thinking that I am a card. Unlike Apple Pay, which requires a POS machine to support NFC payment, the advantage is that it can be used without replacing the existing POS machine (but now more and more POS support NFC, although NFC is supported but due to Visa & Master EMC The standard and China UnionPay's PBOC 2.0 technology are incompatible. At present, it seems that the popularity of Samsung Pay is even more convenient to use in China.)
China UnionPay's QuickPass can also be regarded as a quick payment method. In the case of two foreign VISA and Master NFC-enabled payments, UnionPay also established its own standard, PBOC 2.0. The NFC payment standard used by Apply Pay in the United States is based on the EMC standard of VISA, while the domestic UnionPay flash payment uses the independently developed PBOC 2.0 technology and is not compatible with each other. This is also the reason why the NFC chip model of the Bank of China iPhone 6s and the Hong Kong version of the iPhone 6s is not the same and the reason that China has not yet supported Apple Pay. Certainly, UnionPay has also piloted the use of some NFC-enabled mobile phones that have been certified by UnionPay to be linked to UnionPay flash payment banks, and uses mobile NFC to mimic QuickPass-enabled bank cards for offline payments.
WeChat Payment and Alipay Scan Payment These payment methods came into being because it is difficult to unify the standard from the hardware. The article also explained that due to various reasons, we had to bypass special hardware requirements to make payments. Therefore, a WeChat scan QR code payment method was born. Like the supermarket shopping scan barcode, the user presents a dynamic binding personal account QR code (equivalent to the product's "bar code"), and this bar code / two-dimensional code binding The user's bank card account, as long as the cashier enters the deduction amount can be automatically deducted from the bank card agreement.
After all, in the final analysis, in the area of ​​mobile payment, after all nights of settlement by various manufacturers, they all have their own wishful thinking. They all hope to use your own system to control you, and then charge the fee for credit card use. WeChat payment also requires a certain fee), and then the settlement agency will be able to collect profits for a long time. Of course, in any case, it is good to provide consumers with convenient payment methods to improve our lives. As for how they tore them is their business.
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