A shopping experience without a wallet gave the author a deeper understanding of mobile payments. On a night run, the author habitually walked into the convenience store to buy water but found no wallet and bank card. The cashier noticed the author's embarrassment and pointed to the phone in the author's hand. He could try to use it to brush the POS. . Can I brush POS without a card? This makes the author who has always played with new games curious. According to the instructions of the cashier, the author downloads the “People's Pay†APP on the mobile phone, registers, and finds a debit card number from the mobile banking bank to bind, click “POS PASS†on the “People's Pay†APP, and check the cash. The member enters the price on a POS machine with the "POS-pass" logo. The author sends a mobile phone to the POS machine, and the payment is completed in one instant. No cash, no bank card, no wallet, just use your mobile phone to “buy and buyâ€. According to the cashier, this product called "POS" is a new mobile non-contact payment product from UnionPay. I have used the UnionPay “flash payment†card payment, and I am familiar with the payment code payment of Alipay and WeChat payment. However, the “POS-pass†mobile phone POS payment launched by the old-fashioned traditional payment institution of UnionPay Business has nothing special. Where? According to the author's understanding, this is a mobile phone near-field payment based on NFC-HCE technology. The "POS-pass" is embedded in the mobile phone APP as a plug-in. Through the host card emulation technology (HCE), the security element originally from the SIM card or microSD card is used. The stored information is sent directly to the cloud server. The NFC-enabled smartphone can simulate any one (App) into a bank chip card, and the user can complete the payment transaction through the mobile phone APP. HCE is a host card simulation technology actively promoted by Google, Visa and MasterCard. I have heard about it this time. This time, I casually let the author see the "early adopters" in the domestic application market, lamenting the domestic payment market. At the same time as the dark tide surging, it was also amazed at the unpretentious layout of mobile giants such as UnionPay. Can a mobile phone without NFC function use "POS通"? The answer is yes. In the online state, "POS通" interacts with the POS machine in a serial code or the like. Not only limited to NFC, it can be seen that "POS" has been prepared at the beginning of the design, providing a complete solution for non-contact mobile payment. As far as the author is concerned, if there is no such "small favor" in this kind of emerging payment method, ordinary users are almost indifferent. Although UnionPay Business is conducting regional “POS-Tong†pilot marketing activities in cities such as Xiamen and Inner Mongolia, it is certainly better than the Internet giant’s crazy money-burning user model. Its promotion model and promotion effect have yet to be tested by the market, otherwise it will easily become a cool playground for the industry and paying "fans". Aromatherapy Essential Oil Set Cedar Oil,Aromatherapy Essential Oil Set,Lemon Oil,Aromatherapy Essential Oil Gift Set Ji'An ZhongXiang Natural Plants Co.,Ltd. , https://www.jazxnaturaloils.com
What makes the author feel that the most cattle is that "POS-Tong" can use NFC-HCE technology to successfully complete the interactive communication and payment between the mobile phone and the POS machine without network or mobile phone signal environment, completely eliminating the network burden and Traffic worry. The small-value secret-free payment function can also avoid the operation of losing the confidentiality and exempting the ticket. You don't need to unlock your phone, you don't need to spend money to open the app, and you don't have to scan the code. You can enjoy the ultimate "second" level payment experience by waving your phone. In my opinion, even after various payment methods have been easy, This speed is also enough to kill a lot of payment products.