Mobile payment has been called for many years, and now NFC modules have become the standard for mid- to high-end mobile phones, but the actual application is not optimistic. Instead, it is a form of payment based on two-dimensional code, which has gradually become mainstream in China.
The overall situation seems to have been fixed, but with the rise of wearable devices, mobile payments seem to have new variables.
Some wearable device manufacturers have found that it may be a good idea to put the payment problem on the wrist. For wearable devices, highly dependent network-based QR codes may not be the best solution for screenless or even small screen devices. Industry insiders told Netease Technology that wearable devices, if they join NFC payment, have a lot of imagination in terms of security and convenience.
In fact, the recent Apple Watch, Jawbone UP4 have joined the NFC payment function.
However, subject to factors such as payment agreements, foreign manufacturers-led wearable payments have not yet entered the domestic market. In China, the wearable products represented by brush bracelets and singular Sharkey watches, through cooperation with the municipal bus card company, cut into the offline payment from the bus subway scene, trying to re-tell a new story of mobile payment.
However, if you want to really get through the line, the bus and subway is just the beginning, and safety and convenience may not be the decisive factor. If you want to talk about the story of wearable + NFC, you have to match the layout of the outlets.
Everything has just begun.
Wearable payment, starting from "屌ä¸"
In fact, there are not many wearable devices with mobile payment capabilities in China. Even the Xiaomi bracelet that cooperates with Alipay only functions as a mobile phone to pay for confidentiality, and the payment link is still on the mobile phone. In the true sense of wearable payment, it is mainly based on NFC payment products such as brush bracelet and Saki.
For these vendors, the use scenarios for offline payments are mostly small payments. How to solve the user needs in this scenario is an urgent issue to consider.
In the view of Chen Kanghong, CEO of Phoenix Cloud Technology, the designer of the brush bracelet, if the goal is to use the change scene, it must match the relatively populous group, and this group relies on subway and bus for work and travel, and cuts in from the card. Good.
In response to the characteristics of this "silk" crowd, Phoenix Cloud is particularly careful in pricing. It is understood that the brush bracelet price of 168 yuan, also launched a series of activities to send the bracelet. Chen Kanghong said that the first generation of products did not think about making money from the hardware, the first low price will be issued "card", even if it is the successor of the brush bracelet, the price should not exceed 300 yuan.
It is worth mentioning that brushing and gripping wearable products are not just the things that embed a card shaped card. According to Wang Xiaobin, CEO of inWatch developer, as early as a few years ago, inWatch had already embedded the bus card into the watch. There are still many manufacturers in Shenzhen that do this. It is not really a new thing to brush the bus card. The most important thing is to be able to recharge and query the cards in order to meet the needs of such groups.
Chen Kanghong said that the essence of doing wearable payments is to open up online and offline. Especially in the current price increase of the subway, the card recharge is more and more frequent, which shows the importance of online recharge.
And the card is just the beginning of wearable payment. Through online recharge, direct online credit card consumption, and the introduction of support providers such as card companies to provide network points, agreement support, is the general idea of ​​such products.
In the specific process, each device local account will match an online account, brushed with Baidu wallet, and Qiqi uses a card's own payment tool. After the user deposits the funds into the online account, the module is passed through Bluetooth. Sync to the local chip. Brushing the bracelet also said that Alipay and WeChat will be introduced into the recharge chain, which will facilitate the storage of ordinary users.
In the brush and the grip, it is first attempted to meet the basic needs of this part of the "silk" user, and form a certain user stickiness, and then expand the other scenarios, so that the offline payment has a follow-up story to tell.
With a decision of 300 milliseconds, NFC has an innate advantage.
However, let's not talk about offline outlets. What are the advantages of choosing NFC for wearable products?
In Ye Xin’s eyes, Zhiqi’s intelligent strategy director, NFC chip-level payments are first and foremost safer. For the two-dimensional code commonly used in mobile payment, Ye Xin believes that its security level is far from enough. “It’s about paying for security, we feel that there should be a safer solution,†Ye Xin added. It is understood that Qiqi is said to have 20 years of technical accumulation in safety, and currently provides security solutions such as U-Shield for CCB and China Merchants Bank.
The security problem of QR code is indeed the soft underbelly of repeated criticism. Some people in the industry told Netease Technology that the QR code can be synthesized arbitrarily and cannot be judged from its appearance. If the QR code with illegal instructions is scanned during payment, it is very likely that the bank account will be leaked. information.
Not only that, Ye Xin also believes that QR code payment is only a compromise solution. It is not a real offline payment, but the offline payment is imported into the line. In the process of importing, there are not only security problems, but also There is a convenience issue.
This convenience problem is mainly due to the process of brushing code. In the actual payment, if some environment with no network or poor signal is encountered, the QR code payment will be directly interrupted, and the user has to wait for the gold to continue the payment process. Even if the network is unblocked, taking out the phone, unlocking, entering the APP, scanning the code, jumping to the payment interface, and entering the password, the whole process takes from one minute to several minutes, and the payment is more to some extent than the cash payment. trouble.
For example, in the supermarket scenario, the user does not want to occupy the counter for too long because of the poor network. After all, there may be customers waiting in line. If you can pay like a bus card, the user experience will be greatly improved. .
How fast does it take to swipe the card? The answer given by Waki ​​is 300 milliseconds. It is understood that another important identity of the company is the card dealer who holds about 30% of the city's bus public card share. Ye Xin said that 300 milliseconds is the card time requirement for the card, and the standard for the wearable payment is the same.
However, wearable payments that claim to address security and transaction speed issues, the device's own battery life issues are likely to become a concern. Sharkey's official endurance is 11 days, not too short in wearable devices, but it is still impossible to break the payment in the middle.
Different from the grip, the brushed bracelet gives a "passive solution", that is, the battery can still be removed after the battery is removed. Chen Kanghong said that the brushing scheme puts cash into the local chip instead of the online account, and the power supply will not affect the payment itself. This largely guarantees the stability of offline payments.
Secure, fast, and power-off payments are an advantage offered by chip-level wearable payments. But whether it can be popularized, the most important thing is the application scenario and offline outlets. After all, public transportation is still a small piece of money for offline payments.
Wearable + NFC, the story also starts from the line
Yu Jun, the investment manager of Jiyuan Capital, told Netease Technology that, in principle, chip-level offline payment is essentially NFC in the wristband. NFC plays a commanding role. The technology is not difficult. The difficulty lies in who can see Collect the scenes under the line.
From the official website of Beijing One Card, the card that this kind of wearable payment relies on has expanded a lot of offline outlets, including Wal-Mart, Jingkelong, Wumei, and Youduome, all of which have POS machines, but the card company has not promoted it. So that tens of millions of offline outlets are idle for a long time.
In addition, "users in the supermarket, restaurant scenes may be a bit weird, and the use of wearable devices is different, may also appear to pull the wind," Ye Xin said, this is also they want to use the card line to carry out A major reason for offline payment promotion. More importantly, such outlets do not require companies to spend resources to expand.
On the other hand, the brushing aspect revealed that in addition to the use of existing outlets, the brush is also planning a plan to increase the offline POS machine with the card company. Such simple POS machines will not cost very much and will be promoted in some shops that require small payments. It is expected that the plan will officially land at the end of the year.
In addition to the card's own network, the brush also tried to use the UnionPay "flash payment" terminal.
Chen Kanghong said, "The UnionPay flash payment has actually matured. There are almost 6 million terminals in the country. It was originally designed by UnionPay for micropayments. However, when UnionPay requires the use of flash payment, it must be paid from the bank card to use the funds. Trouble, so no one uses it."
It is understood that the brush wants to put the funds into the flash payment link to do it yourself, and insert the flash payment into the bracelet, so as to use the offline resources. However, Chen Kanghong also confessed that this need to communicate with UnionPay for further communication, and there is no online timetable yet.
In addition, since adding a card and flash payment are all through software applications, it is possible to add more protocols in the future. Wedge also revealed that some financial institutions will be introduced with some institutions in the future, but they cannot be disclosed too much because they have not yet landed.
However, in general, such wearable payments are largely dependent on state-owned enterprises and policies in the expansion of application scenarios and offline outlets, and there are many uncertainties in how much the state-owned enterprises are willing to sell. .
Some people in the industry said that the chip-level offline payment, including the efforts made at the outlets, is still at a relatively early stage. The market is very early, and there may be more players entering the market in the future. For the time being, this kind of solution does solve some problems of QR code payment, but the maturity of the program still needs to be proved, and the high dependence on the silver state-owned enterprise is both its advantage and its fatal weakness.
The development of offline scenes may require them to do more.
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