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The same is mobile payment, why foreign use more NFC, we use

Time:2018-08-09 / Popularity:

Mobile payments cover the world. Chinese Alipay and WeChat payments have all gone abroad so that the convenience of sweeping code payments can also be known to foreign friends. But the ideal is good, the reality is very bony, this idea is not good abroad, because many places in Europe, America, Japan are using contactless mobile payers
It is also mobile payment. Why are foreign developed countries using NFC as a non-contact method, but domestic is more welcome to two-dimensional code payment? Here are some of the features of these two approaches:
1, contactless payment
Non-contact payments used abroad, Europe and the United States use non-contact credit cards or mobile phones, while countries such as Japan use NFC loaded cards or traffic cards, both of which can be paid in one contact. Remove the steps of sweeping the two-dimensional code and entering the password.
Two-dimensional code payment forms for mobile hardware requirements are relatively low, more suitable for China's mobile phone brands and miscellaneous national conditions, but in the payment speed and personalization is not as good as non-payment. However, there are also concerns about the security of this type of credit card payment, which is easy to steal. Technically, non-contact payments are hard to crack. In the case of Visa, each payment generates an encrypted message to license the card issuing bank and generate a unique key. The probability of a stolen brush is still relatively low. However, the most worrying thing about this kind of pay-as-you-go device is the loss of the card/mobile phone, which can be paid without the need for a password to directly swipe the card, giving the thief a chance to take advantage of it.
In addition to the payer, the recipient also has certain hardware requirements. Take the bus subway as an example. Some payers support NFC payments, while others require a card. To use it anywhere, they must also require smart hardware matching. By contrast, sweep code payments are more compatible, as long as there is a two-dimensional code, anywhere to complete the payment. Tianbo smart cash register TPS660, support WeChat payment, Alipay payment and other two-dimensional code payments, but also can support magnetic strip card, IC card and NFC card payment function, but also read membership card. Merchants use the TPS660, no matter which mobile payment method can easily deal with.
2. , two-dimensional code payment
According to statistics, China currently has more than 1 billion transactions for offline mobile payments alone(ie, mobile phone consumption in physical stores), and there are guarantees of convenience and safety in use. Its popularity, largely thanks to improved mobile networks and extensive market coverage for small and medium-sized businesses, coupled with fierce competition from order agencies and unified bank card settlement services, has provided fertile ground for Chinese code sweeping payments.
The development of smart cash 5. 0 stage today, although mobile payments are occasionally stolen brush, transfer security problems occurred, but overall capital security is still mature. Users only need to be more alert to the Trojan link and password leakage on the phone, security is not much to worry about. The disadvantage is that the mobile phone is needed as a carrier to complete the payment action. If the mobile phone does not have power or no signal, it is embarrassing. And the mobile phone's code payment operation is more complicated for some elderly people, not as easy to use as non-contact cards.
In general, the difference between domestic and foreign mobile payment methods is mainly the inconsistency between the development environment and the usage habits. There are not too many advantages and disadvantages between the two. Of course, many smart hardware devices have also begun to introduce fingerprint payments and face payments to achieve a non-sensory payment experience. This will be a major development trend in mobile payments in the future.