NFC technology is not nascent product, more than ten years ago, the near field communication technology which has been widely used in handheld terminals will be in Japan and other neighboring countries. In 2013, China Mobile has in cooperation with the Beijing Public Transport Corporation to launch NFC mobile phones, mobile phone instead of brush to brush bus card, in order to reduce travel carryover, more convenient. After China Telecom had once followed suit different operators generate application standards war, and therefore the popularity of NFC phones yet.
At present, the mainstream domestic online payment technology include voiceprint payment (Alipay payment in person), fingerprint payment, scan code payments, transfer payments and so on, a variety of payment methods becoming more convenient with online and offline shopping platform seamlessly, without limited physical distance, terminal type, operating system, greatly reducing the time and payment processes, as in the past cumbersome to enter a password, a verification code and other steps are completed between the sweep. The popularity of 4G, but also on the flow rate and speed to achieve the technical support that have a variety of payment methods to achieve passage.
This compared to a decade ago had already started NFC payment, significantly slower than even later than it appears from the independent innovation of China's two-dimensional code scan code payment. From 2012 birth date, but also more than three years, the scan code of the rapid spread of pay, promotion of comprehensive payment platform beyond many expectations. Moreover, its scope of application than pay, promotion, plus interest, as long as through the mobile phone camera can be related operations, simple and efficient.
Emerging payment methods open up the traditional barriers between businesses and consumers pay a high strength allows the user to promote their habits and have been dependent, forming a solid and large user base.
Habits have been formed, NFC payments difficult.
With Apple-based NFC technology Apple Pay, NFC technology seems to return to trend. But in the Chinese market, Apple has been in collaboration with the Consortium might come prematurely, and Ali tried to start paying on line online collaboration platform also fruitless. Today, NFC payments are excluded from a number of handset manufacturers, NFC payment technology to enter the domestic market is still difficult.
View Sinan considered micro and end-consumer chain links there are disadvantages.
NFC technology is complicated by the upstream chip suppliers formed by adding this technology, the mobile phone manufacturers will increase production costs;
In addition to the upstream chip suppliers, the phone manufacturers to integrate multiple simultaneous collaboration, long chain CUP, businesses and mobile consumers, since 4G, the phone is priced at the lower line, the hardware cost of risk has the edge, then add other Sure links, the greater the risk, cost and more difficult to control;
CUP payment terminal equipment shall provide support, and transform each UnionPay POS terminal for an increase of about 500 yuan investment, occupy a lot of money;
In view of the above risks and costs, NFC technology is only applied in high-end mobile phones, it may be diluted costs. Apple and Samsung substantial sales, is an important way to promote NFC technology, but its cooperation in CUP, online shopping platform has stalled. While the mainstream domestic brands, Huawei has only added to the appeal and the ability to function in which high-end phones, but did not have to take on the integration of multi-industry payments chain needs.
2. The end consumer
Android users to use NFC payment, changing the card user needs, for mobile phone, in the process of changing the card replacement, you may have to bear the risk of leakage of privacy, information machine card at any time can go to copy the user misgivings ;
Compared to only pay 20 yuan deposit bus card, frivolous replacement cost several thousand dollars to pay only for the features to get NFC, consumers difficult to accept;
Changing the card replacement time-consuming, NFC-enabled phone models much, or as little option can be replaced for the operating room is limited, and apply for a bus card, but also one minute;
In addition to information leakage risks, its development has been more than a decade, curing technology, low barriers to entry, the existence of fraudulent security risks, as long as a card reader can easily interact, the user unknowingly may be repeatedly brush take the balance;
NFC technology requires signal transmitting and receiving ends simultaneously, and can only be achieved in close distance to pay, on the environment, time, distance and operating position have requested. Other mainstream methods of payment does not have this restriction, such as scanning two-dimensional code, as long as the phone has a camera and scan code applications, whether two-dimensional code printing can effectively be read on what the media;
Since the two-dimensional code scan code to pay nearly three years of strong investment and popularization, the user has become accustomed to the operation, their acceptance and usage is very stable.
NFC technology for the terminal and the scene has too many restrictions, and consumers who are using this technology to pay a lot of costs, which should be the biggest obstacle to hinder its popularity.
NFC technology can not reach online payment, but the current line-based network support payments still need to rely on the line is completed. In the near-field payment scenario, NFC has the advantage of offline payments. To spread, should find the killer application scenarios, such as widely used in public transportation card, bank card, to establish cooperation with the bus, subway, CUP and merchants.
Reduce the risk and difficulty of use NFC technology, NFC-use change ideas. Such as mobile phones containing NFC technology will be placed in the ATM machine, you can start operation-related financial services, rather than directly through the brush mobile consumer. NFC technology is the safety and timeliness of the near field can be obtained with the greatest expression applications.