关于即将到来的 Apple Pay,你需要知道这些

自去年 12 月苹果官方放出其与中国银联达成 Apple Pay 合作的新闻稿之后,社交媒体上有关 Apple Pay 的各种传言一直都没有停过。
根据微博账户@PCINLIFE 最近发布的一条微博显示,Apple Pay 的上线日期极有可能是 2 月 1 日或 5 日。而此前,该账号曾预测 Apple Pay 的上线日期为 1 月 19 日。
截至目前,与苹果签署合作协议的各大银行已经为 Apple Pay 上线做好了准备,它们需要做的只剩等待苹果公司的服务上线指令。
Apple Pay 是苹果公司推出的移动支付服务,用户只需将银行卡与 iPhone、iPad 以及 Apple Watch 绑定,即可通过指纹授权的方式,无需密码(若银行卡未开通小额支付免密功能,依然需要输入密码)进行安全便捷地进行支付。在支付的同时店员不会知道顾客的姓名等信息,苹果公司也无法查看到加密的交易信息,所以在隐私保护方面也比较可靠(官方介绍请戳这里)。目前 Apple Pay 已在美国、英国、加拿大和澳大利亚推出。

不过由于 Apple Pay 涉及金融系统和银行交易领域,出于国内政策以及监管方面的考虑,苹果不得不选择与中国银联进行合作,将 Apple Pay 带入中国,而后者将通过 Apple Pay 进一步推广银联云闪付服务。
网友分享的 Apple Pay 使用演示视频
其实早在 2014 年 Apple Pay 发布之时,苹果就计划将其推广至中国,同年年末传出了苹果与银联进行商谈的传闻,不过一直没有确切的消息。 直到 2015 年 9 月份,一家名为“苹果科技服务有限公司”的企业出现在上海自贸区,经营范围是科技咨询、支付系统整合等。
现在,苹果中国官网上,Apple Pay 的合作银行从最初的 15 家增加到了 19 家,包括中国银行、农业银行、招商银行、建设银行等国内主要银行。
从 2015 年开始,支付宝和微信支付几乎已经成为国内大多数人群的必备移动方式,目前这两项服务的使用人数分别为 2.7 亿和 2 亿,已经追上了中国的信用卡用户数。
不过 Apple Pay 与大家所熟悉的支付宝与微信存在着一定的区别,而这其中的差异也成为了 Apple Pay 能否在国内的移动支付领域迅速占领一席之地的关键所在。
只有苹果用户才能使用,使得 Apple Pay 的使用人群受到限制
Apple Pay 是苹果推出的服务,与 Apple Music 那样能在其他平台使用的软件服务不同,Apple Pay 高度依赖硬件,需要与苹果自家产品配合才能使用。其次,用户手中的 iPhone 必须是 iPhone 6/6 Plus 及以上配备了 NFC 模块的设备才可进行店内支付。而对于仅支持 App 内支付的 iPad,用户也只能在比较新的如 iPad Pro/Air 2/mini 4 等设备上使用 Apple Pay。
这些限制在一定程度上阻碍了 Apple Pay 的发展。
同时,使用习惯也是一大因素
在支付宝与微信上,人们可以绑定银行卡进行生活缴费、线上线下购物、发(抢)红包等等。就目前而言,Apple Pay 除了能帮用户在不支持支付宝和微信的线下购物场景中,免除掏钱包找信用卡的麻烦外,似乎没有更大的优势。而对于大多数用户来说,掏出手机→解锁→打开支付宝/微信这套流程似乎已经成为了购物时的标准化动作,毕竟改变习惯还是比较困难的。
而至于能否大范围推广,最重要的还是商家的支持
想象一下你在某家电商网站上选好了商品,正准备支付,却发现没有适用的支付方式的情景,是多么打击人的一件事。
随着移动支付的发展,如今国内大部分商家都支持支付宝和微信等移动支付方式,而像 App Store、在线游戏商城 Steam 等都已支持以人民币结算的支付方式,亚马逊中国甚至还开通了支持人民币付款的海淘专区。而当这些平台开通了更方便的支付通道后,消费者则更容易“买买买“,商家的营业额也增加不少,可见支付方式的重要性。

所以,如果线下商家支持了 Apple Pay 这一支付方式,对于苹果来说绝对是值得高兴的事。当然,这也一定是苹果正积极努力推进的事情,或许 Apple Pay 迟迟没上线,就是因为苹果还在与商家洽谈。毕竟对于消费者而言,陆续增加的服务区域与一开始就广泛支持的商家相比,显然后者更容易令其满意。
相应地,Apple Pay 普及后,也会在一定程度上带动苹果硬件产品的销量,从这一点上,我们能看到苹果的野心。
若传言属实,距离 Apple Pay 上线也没剩多久了。上述提及的观点仅仅是提供一个参考,而至于 Apple Pay 能不能在国内迅速推广开来,广大消费者的接受如何, 还要看其上线后的表现。不过从已经上线服务的美国的情况来看,从银行、商家支持 Apple Pay 到用户、商家主动使用 Apple Pay,还有一段不小的距离,而面对支付宝和微信等的挑战,Apple Pay 进入中国后的发展之路并不轻松。
Whats Happening i am new to this, I stumbled upon this I have discovered It positively useful and it has aided me out loads. I am hoping to give a contribution & assist other customers like its helped me. Great job.
I added a new list today. I changed how I scrape to get more results. Read my post for more details.
HiWhat’s upHi thereHello, alwaysfor all timeall the timeconstantlyevery time i used to check blogweblogwebpagewebsiteweb site posts here earlyin the early hours in the morningdawnbreak of daydaylight, becausesinceasfor the reason that i likeloveenjoy to learngain knowledge offind out more and more.
Good point! Interesting article over here. It’s pretty worth enough for me. In my view, if all webmasters and bloggers made good content as you did, the net will be a lot more useful than ever before.| I could not refrain from commenting. I ‘ve spent 2 hours searching for such infos. I will also share it with some friends interested in it. I have just bookmarked this web. Done with the task done, I going to find some model Cams. Danke!! Greetings from Austria!
I needed to put you the little bit of remark to help thank you very much once again with the beautiful tricks you’ve discussed on this site. This is incredibly open-handed with you to provide publicly exactly what a lot of people would’ve made available as an ebook to make some profit on their own, primarily seeing that you might well have tried it in case you considered necessary. Those tricks as well acted to become good way to fully grasp that other people have the identical passion much like my very own to see somewhat more with regards to this condition. I’m sure there are many more enjoyable instances up front for many who scan your blog post.
I must get across my gratitude for your generosity in support of people that actually need guidance on this one niche. Your real dedication to getting the solution up and down had been incredibly powerful and have regularly encouraged men and women much like me to achieve their goals. Your amazing helpful help can mean so much to me and a whole lot more to my peers. Many thanks; from all of us.
Hmm is anyone else experiencinghavingencountering problems with the imagespictures on this blog loading? I’m trying to figure outfind outdetermine if its a problem on my end or if it’s the blog. Any feedbackfeed-backresponsessuggestions would be greatly appreciated.
Right now you could be having a whole lot of fun. All it takes is visiting http://www.camgirl.pw There’s no site out there more fun than that one. It’s loaded with girls who know how to treat a man right. They’ll make sure your day is a very good one.
I’ll right away grab your rss feed as I can’t in finding your email subscription hyperlink or newsletter service.
Do you’ve any? Kindly permit me understand so
that I may subscribe. Thanks.
Thank you for the auspicious writeup. It if truth be told used to be a
enjoyment account it. Look advanced to farr brougjt agreeable fro you!
However, how coulpd we keep in touch?
hello!,I like your writing so much! proportion we keep up a correspondence extra approximately
your post on AOL? I require a specialist in this house to resolve my problem.
May be that is you! Having a lokok forward to look you.
I precisely wanted to thank you so much once more. I am not sure the things that I might have gone through without these tips and hints shown by you on this industry. It previously was a real traumatic situation in my opinion, nevertheless viewing your well-written tactic you dealt with it took me to weep over delight. Extremely happier for this help and then trust you recognize what a great job you are doing teaching men and women via your blog post. I am sure you have never encountered any of us.
Thank you for your entire effort on this web site. Debby takes pleasure in working on internet research and it’s really obvious why. We know all regarding the compelling mode you produce vital guidelines via this website and in addition recommend response from some others on this concept and my child is truly starting to learn a great deal. Enjoy the rest of the new year. You are doing a glorious job.
I’m just commenting to let you know what a fine experience my princess undergone reading the blog. She picked up a good number of details, not to mention what it’s like to have a great giving character to have certain people just know just exactly various problematic issues. You actually surpassed our own desires. Thank you for presenting those informative, trusted, informative and in addition cool thoughts on this topic to Sandra.
I not to mention my buddies were reviewing the excellent things on your web blog while instantly developed a horrible suspicion I had not expressed respect to the blog owner for those secrets. These young boys are already certainly passionate to learn them and have in effect surely been loving those things. Thanks for simply being so helpful and also for pick out variety of smart guides most people are really desirous to discover. Our own honest regret for not expressing gratitude to sooner.
Good ¡V I should certainly pronounce, impressed with your web site. I had no trouble navigating through all tabs and related info ended up being truly easy to do to access. I recently found what I hoped for before you know it in the least. Reasonably unusual. Is likely to appreciate it for those who add forums or anything, website theme . a tones way for your client to communicate. Nice task..
I am only writing to make you know what a awesome discovery my friend’s daughter obtained reading through your webblog. She learned so many things, with the inclusion of what it’s like to have an awesome giving nature to make other individuals smoothly grasp specified impossible things. You truly surpassed my expected results. Thank you for giving such priceless, healthy, educational as well as unique guidance on the topic to Tanya.
Thank you a lot for giving everyone a very superb chance to discover important secrets from this blog. It is often very terrific and as well , full of a great time for me personally and my office mates to visit the blog not less than 3 times weekly to learn the latest items you will have. Of course, I am just always astounded with your fantastic methods you give. Selected 1 facts in this post are basically the most effective I’ve had.
TerrificGreatWonderful articlework! This isThat is the type ofthe kind of informationinfo that are meant tothat are supposed tothat should be shared around theacross the webinternetnet. DisgraceShame on the seeksearch enginesGoogle for now notnotno longer positioning this postsubmitpublishput up upperhigher! Come on over and talk over withdiscuss withseek advice fromvisitconsult with my siteweb sitewebsite . Thank youThanks =)
I enjoy you because of all your effort on this blog. Kim really likes making time for investigations and it’s simple to grasp why. We all learn all concerning the dynamic medium you deliver rewarding thoughts via your blog and even welcome response from website visitors on the content while our favorite daughter is without question starting to learn a great deal. Take advantage of the remaining portion of the year. You are doing a great job.