Doing business with domestic babies? Apple Pay is still far away
Apple Pay is just a payment service built by Apple. It links banks, storefronts and users. It seems that it does not directly compete with our commonly used Alipay and WeChat. However, through the phenomenon, the business circle is the most important place to pay.
There was a WeChat cash withdrawal before, and Apple Pay landed in China. This is simply the rhythm of shaking the money bags of ordinary people. Sorry, the sledgehammer has to hammer, and the sledgehammer recognizes that the hammer of 1000 cows still can't keep up with the eyes of the kidney friends who cut their kidneys. The sledgehammer wants to be in a state here. If there is a mistake, please take more care.
Seeing my topic, the hammer friends who understand the bird language may think that I want to kill the ring and buy it! buy! buy! It is. However, as a silk man, I would like to express it! Pooh! Pooh! It’s enough chaos for so many Chinese to pay for your baby. What kind of chaos does your apple add?
Apple Pay is coming, can you pick up the ground?
It is said that Apple has double restrictions on equipment and systems, both of which must meet the requirements for Apple Pay. Apple Pay is available for iPhone 6, iPhone 6 Plus, iPhone 6s, iPhone 6s Plus; iPad Air 2, iPad mini 3, iPad mini 4, iPad Pro; and Apple Watch. It seems that the Apple 5 Series and previous users are disappointed, you have been abandoned by Apple, and quickly turn to the Android camp. Then, come to the table and put the Apple Pay table sign on the supermarket, paying the waiter to the Android powder to cool the eyes, you can directly take the phone to drop him.
In addition, from the operating system aspect, the iPhone or iPad must at least be upgraded to iOS 9.2, and the watch at least watches OS 2.1. I want to explain here, how many upgrades to the iOS system have to do everything to return to the initial state? If you can't make your big apple into a big brick, upgrading the Apple system is a sin.
For merchants, Apple's old rival Samsung is relatively close to the people. In addition to the contactless (NFC) payment solution similar to Apple Pay, Samsung Pay also supports the MST analog card solution - which means that the UnionPay flash is not supported. On PayPass's regular POS, Samsung Pay is still available.
In addition, thanks to the promotion of NFC technology, other Android phones can also realize the functions of Apple Pay. For example, Meizu PRO5 can electronically "bank" the bank card into the mobile phone through the "Handheld Life" client of China Merchants Bank. The same features as Apple Pay.
The second payment of mobile payment Android Pay and UnionPay cloud flash payment belong to the HCE program, which is also regarded by many industry insiders as the future trend of mobile payment, which solves the confusion of Android mobile payment and NFC. At the very least, holding a large user base of Android, it is more grounded, and the card is better than Apple Pay.
Can you find a balance between safety and convenience?
In fact, Apple user information disclosure is not once, and this time the official said that security and privacy are the core of Apple Pay, will not face, sledgehammer is not good, but, absolutely safe There is no such thing as a balance between user experience and security.
It is reported that when Apple Pay adds a credit or debit card, the actual card number is neither stored on the device nor stored on Apple's server. The system assigns a unique Device Account Number device account, encrypts the account, and Store it securely on the Secure Element security chip on the device. Each transaction is authorized with a one-time unique dynamic security code.
A lot of explanatory text reveals another signal, which is definitely complicated to use. Sure enough, some users broke the news, Apple Pay's payment process is only three seconds, but it takes 3 hours to bind the bank card. Regardless of whether this friend's operation is agile, even if it takes 2 hours, it is really hard. Seeing it here is scary. Dead baby, simply, I am not mixed!
Sledgehammer believes that for ordinary users, excessive security mechanisms have raised the threshold for universal access. In addition, the safety of domestic babies is the same as Shi? The sledgehammer used Alipay for many years, and it feels very good. We started the WeChat payment early, the bank card binding and payment are very simple, and there are so-called security problems.
Doing business with domestic babies? Still far away
From the news, Apple Pay is just a payment service built by Apple. It links banks, storefronts and users. It seems that it does not directly compete with our commonly used Alipay and WeChat. However, through the phenomenon, the business circle is the most important payment. territory. Tencent's layout of the US group reviews, holdings of Didi, and JD.com are actually the same as Alipay's robbing of payment scenarios, not just the simple user transfer, embodies and financial management.
From the application scenario, in mainland China, offline stores such as KFC, McDonald's, and 711 convenience stores can be settled by Apple Pay. Apple will increase it later, but when it can realize the full coverage of life scenes, there is still no fixed number; The limitation is that Apple Pay can't brush the bus card. The card settlement system and UnionPay are two different things, and Alipay launched the city card service two years ago.
The sledgehammer concluded that the high-cold apple is difficult to gain in China's relatively mature payment field in a short period of time. First, China's domestic smart phones have risen strongly, and are moving toward the high-end, squeezing the apple market, in terms of end-user stocks. It is difficult to have a large room for growth. Once the domestic Android mobile phone achieves the popularity of NFC technology, it can realize the payment of mobile phone payment. In addition, Apple ignored the strength of the domestic payment coalition forces. Ali and Tencent have been dead for many years, and they are building a strong payment ecosystem. Can you allow foreign households to come here? We must know that the Internet has changed for more than a decade. How many companies have swung in and out, and the gray-faced exit?
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