2016 is a year in which NFC pays for it, and it is also a year of two-dimensional code. In 2016, the NFC industry lacked some “routines†and added some “sincereâ€. The tropical wave of mobile payment has revived the new fire of NFC payments, but it also laid a thorn for the road ahead.
In 2016, NFC is more associated with mobile payments. It can be said that mobile payment puts NFC in the general public, but at the same time, mobile payment will enclose NFC in the cage. The NFC industry in 2016 is destined to be an extraordinary year. Some of these things may even affect the future development of NFC and subvert the direction of the NFC industry. The following NFC industry network Xiaobian will bring you together to review these highly meaningful technical solutions and Trending!
First, Apple Pay enters ChinaOn February 18, 2016, Apple Pay officially entered China. China became the first country in Asia and the fifth country in the world. It was a short time after the Chinese Lunar New Year. It was also a new year for the NFC industry in 2016. The tone of the tone has opened a good start for 2016.
In December last year, UnionPay and 20 commercial banks launched HCE payment, officially announced the concept of “cloud flash paymentâ€, and the cloud flash payment after Apple Pay officially began the expansion of 2016. In March of this year, Samsung Pay went online; in June and August, Cloud Flash paid to South Korea and Canada; in September, Huawei Pay and Mi Pay entered the company; nowadays, operators and QR codes have become the best.
It can be said that the performance of the NFC industry in this year has nothing to do with Apple Pay. Apple Pay is the indicator light and the fuse. It is Apple Pay that allows NFC practitioners to see the hope again, but it is also the case that it has inspired mobile payment. Competition and change within the industry.
During the Double 12 period, UnionPay advertised cloud flash payment, but due to too much content and complicated rules, it was also squandered by some people. Compared to WeChat and Alipay, both Apple Pay and mobile phone cloud flash are too dwarfed. It is understood that the total transaction volume of Apple Pay this year is less than 2% of the total transaction amount of the bank card. Such a figure is obviously not able to compete with the QR code. However, people who use Apple Pay are basically high-quality card users, and their average consumption level has reached 200 yuan. From the experience of Apple Pay's payment process is very simple and convenient, with a small amount of confidentiality-free blessing, fingerprint + Touching can complete the payment, which is cumbersome to win the QR code.
In this regard, Apple Pay is also a role model for other mobile cloud flash payment learning, whether it is application fluency or experience sensitivity, device compatibility, etc., these NFC payments can be competitive capital. It is reported that Huawei has already adopted NFC function as a must for the next high-end mobile phone. In addition, it is said that Google also unifies the NFC usage specification in the Android 7.1 developer documentation. In this way, the NFC function is expected to become the standard for most smartphones in the future.
Subversion value: ★★★★☆
Second, the whole terminal mobile phone bus card is fully bloomingMobile phone bus cards are nothing new to NFC. Operator-led NFC-SIM card solutions have long been popular, even before eSE's full-terminal model, such as Alipay's earliest "future bus."
But these have not subverted the NFC industry and brought momentum to the development of NFC payments. Why? The presence of mobile phone manufacturers is too low and there is no motivation.
Since July of this year, Xiaomi's bus payment function has been officially launched from the internal test, from the earliest support of Beishangguangshen to Suzhou and Wuhan. Later, Huawei's glory 8 and V8 also opened the Shanghai internal test. Currently, the V8 has already supported the north. In the four regions of Guangzhou and Shenzhen; recently, the Samsung Pay transportation card also ushered in public beta, the first batch of support for Beijing and Shanghai, followed by the popularization to Guangzhou, Shenzhen and other places. In addition to some models such as Meizu, Lenovo and Nubia, the mobile terminal manufacturer's own full-terminal solution has become the primary choice for mobile bus card payment, and future mobile phone manufacturers will also use "payment service" as their most popular. Gradually join the point of good selling.
However, the landing of mobile bus cards is also a difficult process. The domestic transportation payment has a complicated historical environment. The mobile phone manufacturers need to connect with the operation units of the transportation card one by one, and the acceptance terminals are different. The standard system is different. The restrictions on mobile phone models, etc., make the road to NFC traffic payment still bumpy. There is an urgent need for a unified standard and a unified system in the industry, or a solution that can integrate various types of transportation payment systems. Only in this way will future NFC transportation payments become more popular and applicable.
At present, the Japanese version of iPhone7 has already supported the "watermelon card" of FeliCa technology in Japan. When Apple's Apple Pay can support domestic transportation payment has become a very important issue. After all, Apple has a strong appeal and leadership.
Subversion value: ★★★☆☆
Third, Huawei inSE and Qualcomm acquired NXPAs mentioned above, NFC has become the external driving force of the standard of smart phones. No matter what Pay's online line marks the gradual growth of NFC payment, another point will become an important internal factor of NFC standard.
As we all know, the security of NFC payment is inseparable from the escort of SE. Today, all kinds of Pay and mobile phone payment by mobile phone manufacturers are based on the full terminal mode of SE. On October 19 this year, Huawei Haisi released the main mobile phone chip Kirin 960, which was the first to open the SE security chip built into the main chip of the mobile phone. Together with the security isolation of TEE system level, it broke the independent pattern of the previous SE chip. Strengthened the security level of mobile phones.
At the end of October, another major event in the semiconductor industry came to an end. Qualcomm acquired NXP for nearly $50 billion. One is the leader of the main chip in the smart phone industry, and the other is almost monopolized on the NFC security chip. The combination of the two has to be reminiscent of the future development of NFC chips - NFC + inSE.
Once Qualcomm adds the SE chip to the main chip of Nine Dragons, NFC will naturally not run away. This will be a big benefit for the mobile payment industry. Whether it is popularizing NFC or enhancing mobile phone security protection, it has a subversive significance.
Subversion value: ★★★★☆
Fourth, from HCE traffic application to online ODATalking about NFC payments naturally is indispensable to UnionPay's cloud flash payment, and the earliest way of UnionPay cloud flash payment is based on HFC's NFC payment.
The advantage of HCE is that it is not affected by SE, the mode is flexible, the adapter model is more, and it is easier to land. However, the disadvantage is that the security level is slightly lower and the data needs to be updated online irregularly. The way that such sensitive information is stored in the cloud server and the online environment is required for non-connected transactions is first considered to be unsuitable for the fast high-frequency application scenario of traffic payment, but it turns out that technology in the Internet era has never been a problem.
On May 24th, Jiangxi Bank and Hongcheng One Card launched HCE-based mobile payment - Ola Pay officially launched, and took the lead in realizing the application of HCE technology to public transportation.
The application of HCE technology in the transportation field reflects the development of the mobile Internet, but the online mode has some drawbacks after all, and it is not perfect in online experience and psychologically. In June 2016, UnionPay officially released the “Technical Guidelines for the Reconstruction of the ODA Function of the UnionPay IC Cardâ€, in order to improve the function of the HCE product and improve the payment experience of the user, the cloud flash payment HCE product was upgraded and based on The non-contact mobile application specification of the host card simulation technology and the implementation requirements of the cloud payment platform system based on the host card simulation technology have been revised, and the support for the online ODA is added to the HCE for supporting industries such as the subway. .
The online ODA technology is hailed as the gospel of the future application of UnionPay card. It adopts the core technology of “delayed onlineâ€, and the card-swapping process realizes offline card release, end-of-day summary payment, transfer clearing processing, its first verification, blacklist, Risk control such as cumulative control makes the application of UnionPay card more extensive, and subways, buses, parking lots, charging piles, ticket vending machines, etc. will all be possible.
What is certain is that the commercial popularity of online ODA technology will promote the development of the entire industry, whether it is for financial IC card multi-application or mobile phone NFC traffic payment, but before the terminal transformation, business model, etc., there is still very A long way to go.
Subversion value: ★★★☆☆
Five, two-dimensional code into the traffic field & join the cloud flash payment campAs mentioned above, any technical problem that hinders the application of the Internet in the Internet era has never been a problem. Just like we didn't imagine that one day we would take a QR code to brush the subway crossing machine!
This year, Guangzhou Metro APM Line, Hangzhou Bus, Jinan Bus, Zhejiang Jinhua Bus, etc. have successively launched the QR code payment application. The traffic field called the last straw of NFC payment has also been encroached by the QR code. Constant discussion.
Does the QR code brush into the transportation field mean that NFC payment will lose the last city? the answer is negative. Two-dimensional code transportation payment is only one of many innovative payment methods, and will not change the original payment pattern, and the two-dimensional code payment requires a new acceptance terminal, which cannot be monopolized for the transportation of huge inventory equipment. Therefore, the original NFC payment based on the card will not be completely replaced, and complementing and competing with each other is the ultimate direction.
For example, in the double 12 period of this year, in addition to drastically carrying out the cloud flash payment promotion, UnionPay also officially released the UnionPay QR code payment standard, and supplemented it as a non-contact product, officially incorporating the QR code. Cloud flash payment system.
The love of the two-dimensional code and NFC proves that there is no eternal enemy in the Internet age. The pervasiveness of the two-dimensional code on the one hand made the NFC crisis, but on the other hand gave the NFC progress and development. It can be foreseen that in the future, whether it is NFC or QR code or other payment methods, it will surely be a fusion era of flowers.
Subversion value: ★ ★ ☆ ☆ ☆
Conclusion:These are just five things that are more subversive in the NFC industry this year. There are also some innovative technology models that have not been mentioned, such as mobile credit payment, Jingdong white strip borrowing cards, etc. These are the most creative applications. Let the whole industry be full of life. However, we also saw that this year's NFC industry events are inseparable from payment. For NFC, this is a good thing and a bad thing. The good thing is that NFC can be recognized and accepted by consumers with mobile payment. On the one hand, other applications of NFC will inevitably be weakened and ignored. Therefore, we hope that the future NFC will not only bear fruit in the payment industry, but also generate heat in many fields such as anti-counterfeiting traceability, logo navigation, and identity authentication.
We provide quick-turn injection molding by many types of materials, like ABS, PA66, PBT, TPU, TPE, PVC, PE, NYLON 6, PC, silicone, TPE, EPDM, PUR, etc. Special for some plastic parts. Our advantages in internal prototyping, bridge tooling and short-run manufacturing, which can eliminate the costly and time-consuming for customers a lot.
After customer approved 3D drawing, we can test it by 3D printer first, then move on for formal tooling once confirmed ok. And all related materials, logo, color or finishes can be chosed as customers' requirement.
Injection Molding Parts,Plastic Injection Molding,Low Cost Plastic Injection Molding,Plastic Mold Injection Molding
ETOP WIREHARNESS LIMITED , http://www.oemmoldedcables.com