This morning, Apple and China UnionPay announced cooperation, will launch the Apple Pay in China. UnionPay card holders can be added to the iPhone, Watch Apple and iPad, in shopping malls or mobile scenes to complete the payment. When shopping in the store, through the NFC antenna design, as long as the iPhone is close to the POS terminal support UnionPay flash pay, while the fingers can be placed on the ID Touch, and even do not need to open a app or wake up your screen.
How to pay? What equipment support?
Currently supported devices are 6S iPhone, 6S Plus iPhone, iPhone 6, iPhone 6 Plus. If you use Apple Watch only, even at two edges of the button, and then dial to the contactless card reader, can buy directly in the wrist. In the app, you can pay by 6S iPhone, 6S Plus iPhone, iPhone 6, iPhone 6 Plus, Air iPad 2, mini iPad 3, mini iPad 4 and Pro iPad use.
When did it start?
Apple's official said, Pay Apple related products and technology to strictly follow the Chinese national and financial industry mobile payment standards, and in accordance with the relevant Chinese regulatory authorities to complete the relevant testing and certification, after the official opening of the China UnionPay card holders of this service, is expected to be the fastest in early 2016. The bank currently supports the Agricultural Bank, China China bank, Bank of Guangzhou, Bank of Shanghai, China Construction Bank, China Everbright Bank, China China Guangdong Development Bank, CITIC Bank, China Merchants Bank, Minsheng Bank, industrial bank, industrial and Commercial Bank of China, Chinese China China Ping An Bank, the postal savings Bank and Pudong Development bank.
Why would I use Pay Apple?
The biggest feature of Pay Apple is that it can be combined with iPhone's fingerprint identification to make quick payment. In the use of other payment methods, usually need to open the application, enter the payment interface, by the store staff scan two-dimensional code, the main input password, it is a successful payment. But Pay Apple has a seamless combination with iPhone, more quickly and easily complete the payment process.
In addition, the security of mobile payment is also a major concern. Apple said the official press release: cloud to Apple Pay with UnionPay, Token will through the application of industry-leading (payment tag) security technology to protect the user's payment information. Security is the core of the Pay Apple, with a credit card or debit card, the actual number of cards are not stored on the device, nor stored on the Apple server. System will be assigned a unique Account Number (Device), the account number is encrypted, and in a safe way to store it in the device's security chip (Element Secure). Each transaction uses a one-time only dynamic security code to authorize.
Pay Apple's opponents have what?
Now, the Alipay Dadehuore micro channel payment will not say, even Samsung also laicourenao. Today, Pay Apple announced a release, the Samsung Corp will then announced that Samsung Electronics and China UnionPay reached Pay Samsung cooperation. By mobile phone application Pay Samsung, UnionPay card holders will be able to use their own credit and debit cards in the possession of Pay Samsung mobile phone. Pay Samsung can be in the vast majority of POS terminals in China including UnionPay cloud flash pay (QuickPass) to pay, covering the vast majority of offline stores. Similar to Pay Apple, the use of Pay Samsung also do not need to wake up the screen, can slide out of the direction of the screen from the screen to make quick payment of union wallet. Old rival Google apple, already opened Android Pay, but I don't have to worry about it, no localization estimation.
Pay Apple whether to win the localization application?
Maybe this time, a monk chanting is not so good. Apple Pay at the beginning of 2016 into the Chinese, but the micro channel pay, Alipay.com and other domestic giants have online and offline payment application of the depth distribution.
Online channels, micro channel and Alipay.com long depth supermarkets, convenience stores, some shopping malls and cooperation. In the past twelve, Alipay with powerful half off subsidies opened the line to pay war horror scene. Expansion continues, apple now want to share a piece, it is not easy. Of course, if you enter Apple Pay will cause another burn wars, as consumers are still very happy.
And online channels, Pay Apple has no advantage. As everyone knows, the micro channel and Alipay by Tencent and Ali, its variety of applications associated with its built-in payment are seamless. For example, drops fast, Jingdong, taobao...... Wait And some small O2O applications, but also need to rely on Tencent and Ali to complete the payment of a closed loop. And apple currently only with the union to cooperate, to infiltrate the entire mobile Internet Ecosystem, still need time.
Moreover, the experience of Apple's wallet can be perfected to what extent? I felt some drums. Previously only in order to pay for the application of a Store App, bound bank card, it will not take half an hour to complete. In the iPhone6s sale, there are many people reflect on the purchase of four. Although Apple's credibility, and ultimately a smooth solution, but still in the hearts of consumers left a shadow.
In conclusion, Apple Pay and UnionPay cooperation, rational point of view, is only a beginning. To fight in the Chinese strong competition in the pack, still need more action. Perceptual point of view, the author of this appeal, the Apple Corp, the first in 2016 to give you a red spring festival, say shopping, okay?