Using the mobile phone "cloud flash payment" payment steps are simple
"Cloud Flash Pay" to buy a subway ticket
In the era of mobile Internet, people's consumption patterns are getting more and more fashionable. You can go out without a wallet, but you must not bring a mobile phone. Eating, shopping, watching movies, taking the subway, buying food, recharging and paying bills... Mobile payment with mobile phones has begun to quietly change everyone's spending habits. UnionPay's cloud flash payment, telecom wing payment, Ali's Alipay, Tencent's WeChat payment, Baidu's Baidu wallet and various types of App launched by the bank have become the necessary equipment for people's mobile phones.
Throughout the mobile payment method, it can be roughly divided into "flash payment" and "scan code". UnionPay now pushes the mobile phone "Cloud Flash Pay" through Apple Pay, Samsung Pay, Huawei Pay and Xiaomi Pay, and the "scan code payment" represented by Alipay is half of the market.
Therefore, the reporter decided to empty the cash in the bag and all kinds of consumer cards, bank cards, and the day of "should only brush the phone". From the various aspects of payment speed, convenience, and security level, in the common scenario, several mainstream payment tools, in the end, who is the real "payment tool"?
"Cloud Flash Pay" to buy subway tickets and save traffic
There are two options for purchasing Hangzhou subway tickets by electronic payment: one is UnionPay's “Cloud Flash Paymentâ€; the other is Alipay Scan code purchase.
If you choose Alipay to purchase tickets, the ticket purchaser selects the corresponding site on the Alipay App in advance and completes the payment. The two-dimensional code that jumps out goes to the subway station to collect the ticket.
UnionPay's “Cloud Flash Pay†purchase does not require the use of traffic, as long as the phone has electricity, it can perform payment operations. The reporter came to the Wulin Square site of Metro Line 1, shutting down the mobile network and Wi-Fi, and choosing to take the site in front of the self-service ticket vending machine marked with "only for UnionPay cloud flash payment", and then took out the Apple mobile phone with Apple Pay function. In the middle of writing a "swing card area", you can buy it with a one-second subway ticket.
Complete "cloud flash payment" in one second
Yesterday, the reporter came to the checkpoint of the Century Lianhua Citylife supermarket on the next floor of the West Lake Yintai, and a sign with the "payment method" was placed on the side. In addition to the commonly used cash, bank cards, Lianhua member stored value cards, citizen card wallets, the supermarket also supports Alipay, Telecom wing payment and WeChat payment.
The reporter first experienced two types of scanning code payment methods. After purchasing a bottle of beverage worth 5 yuan, the reporter came to the checkout counter to prepare for payment. Open the App, prompt to enter the gesture password, then click on the "Payment Code" column and then jump out of the payment QR code. After hearing the cashier scan the code "嘀", quickly jump out of the payment success page, the entire payment process takes time 5 seconds. The same is the scan code payment, the payment method is cumbersome, first need to open the WeChat App, open the "I" interface, click the "wallet" option, then click the "Payment" button above to display the payment QR code, after the cashier sweeps Successful payment, the entire payment process takes 8 seconds.
Compared with the payment method that needs to open the App to display the payment code, the payment procedure of the mobile phone “Cloud Flash Payment†is greatly simplified. A mobile phone with Apple Pay, Samsung Pay, Huawei Pay or Xiaomi Pay does not need to unlock to open the mobile phone interface, and the mobile phone is swiped on the UnionPay POS machine with the "Flash Pay", only 1 second, the POS purchase order It is printed out to complete the payment. Many people who have experienced the sigh: "I haven't responded yet, I just bought something!"
"Scan code" is used in a wider range of micropayments
Whether it is in a small restaurant, a fruit shop, or a roadside food market or clothing store, you can always see the owner put a QR code next to the checkout counter to support the payment of Alipay, WeChat, Baidu wallet, etc. . For these merchants, because they are all small-volume consumption, the store owner only needs to use the existing equipment to support the scan code payment, and the UnionPay cloud flash payment needs to update the POS machine.
The reporter went to the Xianlinyuan Farmers' Market in Xianlinqiao Street. Shen Sister, who sells vegetables, introduced that because it is a small business, the most in and out is the zero banknotes, such as 1 horn, 5 horns and 1 yuan. It is very late and it is not convenient to carry. It is much more convenient to pay with QR code, and young people prefer this payment method.
However, in this "no wallet" mobile payment war, UnionPay also blew the counterattack horn without any weakness, accelerating the layout of POS terminals with non-contact payment capabilities. In the field of large payments, the advantages of UnionPay are obvious.
Now, as long as you see the POS machine with the "Cloud Flash Pay" logo, you can store in supermarkets, supermarkets including Carrefour, Pizza Hut, Intime, McDonald's, KFC, Pacific Coffee, 7-ELEVEN, Watsons, etc. Convenient payment operations in many daily consumption places such as restaurants and cafes.
According to data released by the People's Bank of China at the end of the third quarter of 2015, there are more than 7 million POS terminals with non-contact payment capabilities in the country. According to the earlier deployment of the People's Bank of China, by May 2017, all POS terminals will support contactless payment. The opening and exiting of the terminal will make an important foundation for the user's convenient use and the full popularity of “cloud flash paymentâ€.
Bank App payment method choice room
As an important carrier of mobile finance, mobile phones have become the main entrance for bank competition. Except for WeChat Bank, it is the mobile app or tablet app.
NFC near-field payment is an innovative product launched by the banking industry and China UnionPay to lead the mobile payment wave. Users need to have a mobile phone that supports NFC payment. After downloading the corresponding bank mobile phone app, they can spend on the POS machine with UnionPay's non-contact payment capability, enjoying a relaxed, safe and convenient flash payment experience.
BOC launched the “BOC Easy Pay†mobile phone application. When both customers need to transfer money, they only need to use the mobile phone that supports NFC (near-field payment) and open the “Bank of China Easy Pay†“pair-to-touch†transfer function. With a single touch, you can complete the transfer. Similarly, CITIC Bank’s “different payment†products also support NFC payments.
Major domestic commercial banks have launched the “cloud flash payment†business. As the number of support banks continues to increase, the territory of “Cloud Flash Pay†is constantly expanding.
Many of the apps launched by the bank not only support “cloud flash paymentâ€, but also call the two-dimensional code payment that has been suspended for more than two years, and also reopened among various banks, including Industrial and Commercial Bank. For the public, both payment methods can be implemented in the bank App port, so that the usual consumer payment has one more choice.
"Cloud Flash Pay" significantly reduces the risk of fraud
Although QR code payment is practical, it also hides security risks. If the unsafe QR code is scanned, the mobile phone can be easily implanted with a Trojan virus, which will not only reveal personal information, but also cause the credit card to be stolen or the mobile phone to be maliciously deducted. Some merchants will also publish illegal advertisements and bad ads. information.
In contrast, "Cloud Flash Pay" has higher security performance. First, the user's real card number is protected and privacy is not compromised. Because all of your trading information is only kept in the issuing bank and the UnionPay network, the mobile terminal manufacturer will not know your trading information. Second, the cloud constantly updates the card information, and the number, time, and amount of transactions are monitored. Even if the transaction voucher is leaked, the transaction can be guaranteed to fail and the risk of fraud is greatly reduced.
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