Change 2016, those things about mobile payments

More than a decade ago, did you fantasize about such a scene: if you go out without a wallet, you can pay for the meal with a mobile phone; when you shop, you don’t need cash or credit card payment, you can check out with a finger press, the wallet has Exiting the big stage of life, and these have become a reality now.

2016 mobile payment market has changed a lot, and with Huawei Xiaomi entering the game, it also marks that after Apple and Samsung, Chinese mobile phone manufacturers have begun to enter the mobile payment market, plus the scan code represented by Alipay and WeChat payment. Payment methods, in the future, more and more consumers can go out without a card, without cash, and only with a well-charged mobile phone, you can easily shop and consume. So, what is the difference between the characteristics and advantages of several payment methods? Xiaobian talks about these things about 2016 mobile payment in terms of several "key points" in the user experience.

Convenience: "One touch pays" into the standard of all major platforms

Compared with the traditional "wallet" payment method, e-wallet mobile payment relies on smart mobile terminal equipment, which greatly improves people's payment efficiency. Freeing away from heavy wallets, convenient payment has become a common feature of mobile payment launched by major manufacturers, and this is the most important reason for mobile payment users to be widely welcomed.

In the first half of this year, Samsung's Samsung Pay and Apple's Apple Pay took the lead in setting off a mobile payment trend. As a mobile payment platform that combines intelligence and convenience, no matter where the user is, they only need to take out the mobile phone and easily complete the payment in a few simple steps. After the recent launch of Huawei Pay and Mi Pay, users can verify their fingerprints by simply approaching the POS machine when they consume, and they can complete the payment quickly and easily.

All major mobile payments are mainly for convenient application, and the process of who is more in line with the user's payment habits can highlight the intention. Xiao Bian believes that when using Samsung Pay, regardless of whether the phone is in the "interview screen, lock screen or home screen" state, you can slide the main screen button from bottom to top to start the payment interface, and slide the left and right to select the corresponding bank. Card or Alipay QR code, after one second verification can complete the payment, convenient and fast, more in line with the user's payment habits.

Applicability: Technology, Samsung Pay is more widely used

Although these payment methods are all paid by mobile phone, the technical requirements are not the same, especially Samsung Pay is technically more high-end. Samsung Pay is a mobile payment based on NFC and MST (Magnetic Signal Secure Transmission) technology. Compared with the well-known Apple Pay and the recently launched Huawei Pay and Mi Pay, MST technology is supported. If we compare a mobile phone to a current bank card, Apple Pay is a bank card with a flash payment function, which can only be used on about 30% of POS machines. Samsung Pay is equivalent to an ordinary bank card. The vast majority of POS machines on the market can be used freely, both old and new. It is like a dual-pass pipe, which greatly expands the scope of application for users. Undoubtedly, in the consumer experience. It is even better.

Diversification: Marriage Alipay, Samsung Huawei Pay personality

While mobile payment is developing rapidly, it is in line with the more diversified and personalized needs of users. The mobile payment platform that can provide users with more payment options will undoubtedly have advantages, which also drives many intelligent terminal manufacturers to actively seek more cooperation. opportunity. For example, Samsung first cooperated with Alipay to launch a scan code payment. Later, Huawei Pay also chose to cooperate with Alipay. I thought that the "Flash Pay" and "Sweeping Code" battles were not unsuccessful. Instead, because of the cooperation news, a wave of mobile payment convergence was won, and more users were sought after.

Regular scan code payment requires waking up the screen, finding applications, entering applications, and calling up the payment interface. The operation is relatively cumbersome. In contrast, through the cooperation between Alipay and Samsung Pay and Huawei Pay, the user's payment time is further shortened without changing the user's payment habits. For example, on a model that supports Samsung Pay, the user only needs to go up from the bottom of the screen. By sliding, you can call up the Alipay QR code payment interface. At the same time, this payment method also supports opening in various situations such as lock screen, black screen, home screen, etc., and does not need to be connected when paying, which undoubtedly attracts more consumers' attention and brings more superbs to Samsung Pay users. The experience of value.

The birth of new trading tools has subverted the tradition, and as we approached them with curiosity and surprise, these new products have quietly changed our way of life. As the first year of mobile payment, each mobile phone launched by each company has its own strengths and quickly optimizes our life. I believe that the future "electronic wallet" will definitely give us more imagination.