NFC QuickPass技术将迅速整合to the payment field and play a very important role

Recently, the central bank's digital currency has become a hot topic on the Internet, followed by a big move by UnionPay. On August 31, China UnionPay, in conjunction with commercial banks, mobile phone manufacturers, key cooperative merchants, and payment institutions, released the first digital silver* card-"UnionPay Unbounded Card". The application and receipt of the card can be completed in a few simple steps through the mobile APP. A series of card and card services provide users with a new generation of payment experience.

The "digital bank card" is endorsed by China UnionPay, which is authoritative, safe and irreplaceable. Take a look at the four outstanding features of the "UnionPay Unbounded Card":

A variety of payment methods: user consumption, cash deposit and withdrawal, transfer, mobile phone flash payment, barcode payment and other diversified payment requirements; support card code integration: mobile phone one-click access to the borderless flash payment card and the borderless card QR code, any Choose mobile QuickPass or QR code payment; ensure payment security: through payment tokenization, channel encryption, real-time risk control and other technologies, the silver* card number, validity period and other information are protected in real time throughout the entire process to ensure user funds and information security.

Realize interoperability: Users can choose to push digital silver* cards to payment scenarios such as e-commerce, public transportation, mobile wallets, etc., with a wealth of exclusive rights, such as recharge and repayment enjoy discounts, popular membership rights exchange, etc. A digital payment ecosystem with interconnected platforms.

Although digital currency may change the paper currency era and the new currency circulation form, if its dominant transaction method is QR code payment, it is obvious that this cake is not big, because Alipay and WeChat have divided 90% of mobile payments market. Therefore, on the basis of integrating the existing QR code payment, digital currency matching more convenient payment methods becomes particularly important. Hu Haozhong, vice president of China UnionPay, said: We have made a perfect combination of QR code payment, mobile QuickPass and online payment.

The two payment methods of QR code and online are very familiar to everyone. Among them, mobile flash payment is one-touch payment. Although it is not popular at present, many people have already experienced its convenience. When the screen is turned off, even if the Internet is disconnected , Shut down without power, you can also complete the flash payment with a touch. This payment method based on NFC near field communication technology is expected to replace the QR code payment method in the future. This time is the launch of the digital silver* card, which also indicates that NFC QuickPass will shine in the future mobile payment field.

At the same time, in the field of traffic, NFC functions have become more popular, which has also created a good market environment for the rapid integration of NFC quick pass functions into the payment field. After Linglingkaimen connects to Huawei's mobile wallet and successfully connects with the NFC function, a virtual access control card can be generated through a few simple settings on the mobile phone. In this virtual process, no physical card assistance is needed. In this "simulation without card" approach, digital bank cards are similar to NFC access cards.

Of course, for digital bank cards, the entrance is more diversified. Users can not only use mobile wallets, but also through cloud QuickPass APP, commercial bank APP and other channels to quickly apply for, bind and use cards; 17 national commercial banks, some regional banks and Internet banks will all join The first batch of pilot projects.