On March 18, Ma Yun spoke in the speech of Peking University: "Sometimes, it is not a technology that beats you. It may be just a document." People concentrated on speculation that the documents pointed out by Ma Yun are documents on the regulation of Internet finance that the central bank is seeking opinions. .
In the mobile payment market, the latest payment methods are QR code (scan) and NFC (brush). The QR code is suffering, NFC is the biggest beneficiary?
Brush a brush VS sweep
With a wave of mobile phones and brushing in, you can easily take the subway... Shanghai Metro, China Mobile, and Shanghai Pudong Development Bank jointly launched the “NFC Mobile Payment Metro Applicationâ€.
China Mobile's mobile payment service also has a financial consumption function based on mobile near-field payment. The public can support 160,000 merchants in the city including Xujiahui, Jing'an Nanjing Road and Pudong Kerry. On the POS terminal marked with UnionPay “Quick Passâ€, a small amount of quick payment within 1000 yuan or a credit account can be selected for large online transactions, which can be widely used in eating, wearing, music, and other life. Scenes.
Brushing a brush in full swing, sweeping is not too far behind.
WeChat QR code payment is widely used. “There are discounts on products, Wangfujing, Pacific Coffee, etc. In addition, users can use the mobile phone to scan the QR code on the screen and use the mobile phone to access the website of Yixun, No.1 Store, Mushroom Street, and Beauty. Go to the WeChat payment page to place an order."
Brushing a brush, sweeping a broom is better or worse?
China Mobile adopts NFC (Near Field Communication) mobile phone to realize the unique resources of the operator of open SIM card space. Various electronic cards such as banks and buses can be uploaded to the open platform of China Mobile, and users can conveniently use the client operation. Download all kinds of near-field payment applications, realize "one mobile phone and multiple applications", and truly realize the wallet function.
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Various types of payment applications have different requirements for bearer mode and security level. In particular, an IC card application that requires a bus card to interact with a POS device cannot be implemented by a two-dimensional code and must be loaded onto a secure carrier. The SIM card is Such a carrier-specific security carrier. --China Mobile
The NFC technology route is expected to fully benefit, and the dispute over China Mobile's payment route is expected to be completely lost in 2014. Now, almost every important smartphone is equipped with NFC technology, but Apple has not yet taken the shot. Considering that in January 2014, Apple just approved a NFC-related mobile payment patent technology, which will be in the third quarter of this year. The probability that the released iPhone 6 supports NFC is very large. At the same time, according to the current telecommunications operators' preparations, the probability of the launch of large-scale promotion activities of NFC mobile phones by UnionPay and telecom operators in the third quarter of 2014 is also great. If the suspension of the two-dimensional code payment stops until the third quarter of this year, even if it is released in the future Open, two-dimensional code payment is also likely to be weak. ——European Securities Computer Industry Analyst Fu Jian
The rapid development of near-field payment in the two-dimensional code model may not be expected by UnionPay and the regulatory authorities. Originally, the industry believes that near-field payment will be based on NFC, as it is in Japan and South Korea. In Japan, near-field payments are based on NFC payments, and almost everyone's mobile phones have this type of payment. In China, in fact, UnionPay has tried NFC payment methods in the past few years, but it has not been popularized. From the principle of payment, NFC and Alipay and Tenpay are the same through two-dimensional code payment, but the technology is different. NFC is a near field communication and requires a special chip to complete, so the hard requirements for the mobile phone are relatively high. Of course, the current QR code payment is just beginning, but their momentum is fierce. ——Smart Smart CEO Wang Pengfei
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