At the end of 2016, the dragon paid.
At the beginning of 2016, how the progress of Apple’s payment and Samsung’s payment was unclear, and there was another payment. At the same time, almost every bank card with the UnionPay logo has the word "flash pay" - in fact, most people have not experienced the flash payment function. Coupled with the widely used, very convenient WeChat and Alipay, the various payments make consumers dazzled, can not help but ask, simple consumer action, there are so many "payments", what is the difference between them? For consumers, how to choose one of them?
Different payment "original" is different
For consumers, Dragon Pay, Apple Pay, Samsung Pay, Flash Pay, WeChat Pay and Alipay are all payment tools, and they are similar. However, they are actually very different.
Manager Zhang Jie of the ICBC Shanxi Branch Wealth Management Center said that the simplest difference is that the flash payment function does not need to be in contact with the POS machine, and the card can be paid. Dragon Pay, Apple Pay and Samsung Pay are paying for mobile phones. WeChat and Alipay need to pay for the QR code. If the POS machine does not support the flash payment function, the mobile phone payment cannot be performed.
It is necessary to talk about flash payment. A person from the People’s Bank of Taiyuan Central Branch told the reporter that Flash Payment is a non-contact type of inductive payment issued by UnionPay that meets the national financial standards. Cloud Flash Pay is an upgrade of Flash Pay. It is a new service launched by UnionPay in 2015 to replace the physical card with a virtual card and support flash payment, that is, the use of Apple Pay and Samsung Pay, but it must be in a POS terminal with non-connected functions. Used on.
WeChat and Alipay are financial products of Internet companies. The tools used are also mobile phones, but the money paid by consumers needs to enter the third-party platform before being transferred to the merchant. The amount of Dragon Pay, Apple Pay, Samsung Pay and Flash Pay can be directly entered into the other party's bank account.
From the carrier, the carrier of Dragon Pay, Apple Pay and Samsung Pay is the mobile phone. It is necessary to download an APP software on the mobile phone, which is an additional function of the mobile phone. From the "born", Flash Pay and Dragon Pay are the products of the bank. Apple Pay and Samsung Pay are a system based on mobile phones. WeChat and Alipay are tools of the Internet platform.
The dragon payment just launched in January 2017 has some new features. Prior to this, the “scan code payment†launched by various banks generally did not support the card binding of other banks. The dragon payment was a full-card product, no matter which bank card was used, it could be used to realize the customer. The coverage is, by comparison, more tolerant.
Essence or interbank competition
The reporter found that the competition for various payments is, in the final analysis, the competition of banks.
From a bank perspective, Apple Pay, Samsung Pay, WeChat and Alipay are not the same business, there is no competition. The same thing is that they need to bundle a bank card just like Flash Pay. In other words, the competition between banks is not to use WeChat, Alipay or Apple mobile phones, nor to pay with Flash or Dragon, but for competition with customers.
Take Apple Pay as an example. There are many people using Apple mobile phones. Which bank does not carry out this business may lose customers who use Apple mobile phones. What banks pay more attention to is which bank card is used by the customer? How to meet the diverse needs of existing banking customers? How to expand the scale of customers through new equipment, new methods, new channels, new business, not who uses WeChat, who uses Alipay and so on.
Unlike Apple Pay, which attaches a system to a mobile phone, Dragon Pay is currently the most competitive payment. Flash payment is launched by UnionPay. Each bank card can have a flash payment function as long as it has a UnionPay logo and a flash payment logo. Dragon Payment is developed by CCB. It has the flash payment function of UnionPay and also has its own unique features. Moreover, CCB itself is a bank that can carry out more business on the Dragon Payment Platform. This is an unparalleled advantage for WeChat, Alipay and Apple.
Niu Ruicong, senior manager of the gold department of CCB Shanxi Branch, said that the biggest advantage of Longpay is to integrate the existing series of online payment, mobile payment, mobile payment, etc., and newly launched CCB wallet and QR code payment comparable to WeChat. Two new products. It is also the first innovative product in the industry to open the QR code payment function after the official release of the "Bar Code Payment Service Specification" of the People's Bank of China. It has the CCB wallet, full card payment, CCB QR code, Longkayun flash payment, free pick, friend payment, Eight functions of AA collection, dragon merchants, etc. The reporter's understanding is that in the future, if you buy food and eat dry, you can pay directly from the bank card by using the dragon payment. You don't have to worry about the money in the WeChat wallet. It also saves the procedure from the WeChat wallet to the bank card. fee.
It seems that there will be more content in the competition between banks in the future. WeChat and Alipay, which scan the code offline, ushered in a long-term competition between national commercial banks and UnionPay.
How secure is the payment?
For financial consumers, the key to making payment is convenience and security.
In fact, security insecurity is relative, not absolute.
Security was the main point of publicity when Apple paid for it in 2016. Generally, mobile banking, WeChat, Alipay, etc. are used, and there is a bank card bundled with the mobile phone number. Every time you use it, the POS machine in the mall, the self-service teller machine, the QR code scanned during consumption, etc. will leave the bank card information, which will give criminals a chance. Apple pays no credit card information and uses a virtual account. The account card account on this account has only the last 4 digits. There is also a device account. This dedicated 19-bit Apple account is unique. A bank card has only one virtual account on a mobile phone. If the password of the Apple mobile phone left in the store leaks out, there will be hidden dangers. Relative to the payment method of staying in a bank account, it is safer.
When we use a bank card in a non-banking place, we will have a dynamic port token. We will enter it every time we use it to confirm it and use physical means to ensure the final security. The banks have done the same in this regard, and they are similar. Niu Ruicong said that Long paid has the ATM brush face withdrawal and voiceprint withdrawal function, which includes the current mainstream new payment technologies.
A person from the People’s Bank of Taiyuan Central Branch told the reporter that on December 1, 2016, the central bank classified the newly opened accounts of individuals. In addition to settlement account management, classification is also implemented on the payment account. Each category has a corresponding transaction limit and transaction aging, and scan code verification is limited to daily small transaction scenarios. The amount reached a certain amount, and it must be verified again, etc., all of which are rules for paying for safety. The PBOC and the public security department have also established a mechanism for launching the freeze deduction system. As soon as an alarm occurs, it can be started in time to recover the funds defrauded. Overall, security has increased over the past.
On the other hand, no matter how the central bank, commercial banks and public security departments make policies, improve equipment, and chase money in time, financial consumers are more vigilant. Therefore, the banking industry interviewed by the reporter has repeatedly stressed that the ID card should not be placed together with the bank card. The bank card password should not be the same as the ID card number. In case of an accident, the bank should be called in time...
As long as you are careful, pay attention to safety, don't be sloppy, don't be greedy, and scammers won't succeed.
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