Taking advantage of Alibaba's and Tencent's "scan code payment" frustrated, China UnionPay and China Mobile have stepped up the "NFC payment" enclosure. The reporter learned from UnionPay yesterday that UnionPay subsidized 300 to 500 yuan for each NFC-supported terminal, and the terminal transformation has already completed one-third; China Mobile subsidized 30 yuan for each mobile phone to the manufacturer, and the 4G card must be bound with NFC by default. .
In the context of the central bank’s call to stop the two-dimensional code payment, some experts said that mobile payment has formed a confrontation between the two state-owned enterprises and private enterprises. The two sides have advantages in convenience and security, and the victory of the two sides depends on the speed of the two sides. And the degree of market acceptance.
Scan code payment promotion is blocked, NFC payment machine grabs the market
Just as Alibaba and Tencent are burning a lot of money in the scanning code payment market, China UnionPay has also pushed its mobile payment platform in the near future, and has vigorously subsidized the offline POS machine transformation at the merchant side.
"The terminal transformation has been completed by one-third." A UnionPay person told this reporter. According to reports, at present, UnionPay has completed the transformation of nearly 3 million terminals in the country, and roughly calculated that UnionPay has invested 90 million to 150 million yuan in the transformation of the stock terminal. The added cost of the new machine is shared by the entire industry chain.
Right now, the two giants are vying for money to pay for NFC mobile payments, which is considered to be of deep meaning. Last month, the central bank stopped a face-to-face payment service such as bar code (QR code) payment promoted by Internet companies such as Alibaba and Tencent. In response, a third-party payer said that the payment method of the two-dimensional code payment between online and offline is to use the online method to do offline business, and to move the "cheese" of UnionPay. Great damage.
However, the reporter also saw in the market that although in some supermarkets or taxi markets, scan code payment has not really been stopped, but Alibaba and Tencent have not continued to develop users. Li Xiaofeng, director of the Office of the Leading Group of the Financial IC Card of the People's Bank of China, recently said that the central bank treats the electronic payment route equally, but includes some two-dimensional code payment methods used in taxi software. The cost is low but not safe, so there is no two-dimensional authentication. Code technology cannot be widely promoted as a trusted payment technology online.
Glossary
Scan code payment: A near-field mobile payment method, which is a solution for offline real-time transaction payment. The merchant can encode the user's account, commodity price and its important attributes into a two-dimensional code or barcode. The user can scan the QR code through a mobile terminal device such as a mobile phone, or the merchant can scan the barcode on the mobile phone with a barcode gun to read. User information, product information, etc., to achieve payment settlement operations with merchants.
NFC payment: A close-range wireless communication protocol, an information chip is built in the mobile phone, and a special induction coil is arranged on the back. After the merchant's special credit card machine is swiped, the account information can be read and the payment can be completed.
Point of view
Hardware into: NFC popular cost, high scan code payment dominates
Many third-party payment companies have been firmly singing NFC. One company believes that the biggest resistance to NFC is the cost of hardware upgrades. Support for mobile phones is very small, and it is difficult to spread large-scale among users, and such mobile phones are priced at 3,000-5,000 yuan, and the subsidy for 30 yuan is not tempting; and it is costly for merchants to upgrade POS equipment, and it is also unbearable for UnionPay. of. On the contrary, scan code payment is dominant, and smart phones support QR code scan code without hardware equipment modification and investment.
UnionPay believes that all parties are investing in mobile payment equipment. After this stage, NFC payment will be as popular as the bank card at that time. There is news in the market that Apple has recently approved two new patents related to NFC technology. Once it becomes a reality, the problem will be solved.
Security: Scanning code payment is allegedly insecure NFC dominates
For the scanning code payment, the central bank has repeatedly stated that the cost is low but not safe, and the two-dimensional code technology without encryption authentication cannot be widely promoted as a trusted payment technology. The reason is that the lack of relevant standards for their own two-dimensional code payment is also one of the security risks.
The UnionPay person told reporters that NFC payment is to load the financial security chip into the SIM and other carriers. Even if the mobile phone is lost, there is no need to worry about the loss of bank card information and the risk of account funds. It can continue to be used after the network has completed the loss reporting. For remote payment, you need to enter the default smart card password and bank card password.
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