Is the mobile payment pattern frequently out of your OUT?
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NFC payment
Photon payment
Fingerprint payment
In the era of changing the life of the Internet, high technology has made payment methods more and more advanced. Sonic payment, photon payment, fingerprint payment, remote payment and other mobile payment methods are emerging one after another. Are you getting these skills? In fact, all kinds of payment methods have their own advantages and disadvantages, the degree of security and convenience are also different, and the costs that need to be paid are also different.
Photon payment
Photon payment is a payment technology that realizes authorization, identification and information transmission through a beam of light. It can overcome electromagnetic capture and interference, and the light emitted every time changes dynamically. In the actual operation of the site, the user turns on the flash of the mobile phone and takes a photo of the photon payment sensor on the pos machine. The other links are the same as the payment by the card.
In terms of cost, the merchant only needs to spend a few tens of dollars to attach a coin-sized photon payment sensor to the POS machine to complete the equipment upgrade.
Business Review: Photon payment does not need to be connected to the network, photon payment does not require any external devices, users do not need to choose a mobile phone for photon payment function, mainstream smartphones based on iOS, Android, Windows Phone , you only need to have a flash function to support photonic payment. However, merchants need to purchase corresponding photon sensors, which are currently only piloted in Shenzhen and Kunming and have not yet been rolled out.
Sonic payment
Near-field identification of two devices is accomplished using the transmission of sound waves. In the mobile client of the third-party payment product, the “pay in person†function is built in. After the user turns on this function, the microphone of the mobile phone is used to align the microphone of the payee, and the mobile phone will play a “beep†sound.
However, the seller needs to be equipped with a corresponding sound wave receiver. The price of a sound wave receiver is 20 yuan. At the same time, there is no need to modify the mobile phone end, and it is not necessary to upgrade the card to an IC card, and the transaction can be realized by using a third-party payment account.
Business Review: Although Sonic Payment is a relatively advanced mobile payment model, there are very few merchants who purchase Sonic Receiver. At present, only some shopping malls that have signed a cooperation agreement with Alipay can use the Sonic Payment function, but due to the receiver's The radio effect is not very prominent, and there will be unacceptable conditions. At present, the popularity in China is extremely low, and it is not particularly convenient to use.
Fingerprint payment
Fingerprint payment is based on the mature fingerprint system for consumer authentication, and consumer payment can be completed through fingerprint recognition. At present, Alipay, WeChat Pay and Minsheng Bank Mobile Bank have cooperated with related mobile phones to launch a fingerprint payment function.
The Alipay wallet 8.4 version was launched, and the fingerprint payment function of the iPhone was opened. As long as the iPhone 5S and above models and the operating system is above iOS8, you can upgrade the Alipay wallet to the latest version in the App Store and open the fingerprint payment function. Minsheng Mobile Banking Personal Edition or small micro-version customers, if you use iPhone 5S and above mobile phones or other Apple mobile terminals and open the Touch ID function, you can open the fingerprint payment service.
Business Review: Fingerprint payment is difficult. If fingerprint payment is implemented, the corresponding software must be designed separately and cooperated with different mobile phone suppliers. For some customers who want to protect privacy, fingerprint input may not be the most. Good payment method. However, using fingerprints is faster and more convenient, eliminating the need to lose passwords. However, fingerprint payment is a new technology full of risks, and a cautious small-scale attempt is definitely the right strategy.
NFC payment
NFC payment means that when consumers purchase goods or services, they use NFC technology (Near Field Communication) to complete payment through handheld devices such as mobile phones. The payment processing is performed on-site and is performed offline, without using a mobile network. Local communication with devices such as POS cash registers or vending machines using NFC RF channels. The technology evolved from RFID radio frequency identification and is compatible with RFID technology. It is mainly promoted by Philips, Nokia, Sony, Samsung, China UnionPay, China Mobile, Jiebao Technology, etc. It is mainly used in handheld devices such as mobile phones.
However, the popularity of NFC in China for many years is not very obvious, and many customers do not know how to use it. Moreover, the popularization cost of NFC is also large.
Business Review: NFC payment needs to integrate hardware and software, which involves terminal manufacturers such as mobile phones and operators, retailers, etc., and the interests of all parties are fierce. The current NFC mobile payment is divided into NFC solution, SIM card solution and MicroSD solution, which leads to the excessive fragmentation of the NFC industry chain, which makes NFC development unable to form a synergy, and falls into a development dilemma. Beijing Business Daily reporter Yan Wei