关于即将到来的 Apple Pay,你需要知道这些

关于即将到来的 Apple Pay,你需要知道这些

Apple Pay

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。

苹果官网上关于 Apple Pay 隐私性的描述
苹果官网上关于 Apple Pay 隐私性的描述

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。

出现以上任意标志,即可使用 Apple Pay 进行支付
出现以上任意标志,即可使用 Apple Pay 进行支付

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。
 
 
 

《关于即将到来的 Apple Pay,你需要知道这些》有1,416条留言

  1. I enjoy you because of your whole work on this site. My aunt enjoys conducting investigations and it’s really easy to understand why. We notice all relating to the powerful means you deliver insightful information on this website and therefore strongly encourage participation from other ones on that content and our girl is truly discovering a lot of things. Have fun with the remaining portion of the new year. Your carrying out a fabulous job.

  2. I found your weblog web site on google and examine just a few of your early posts. Continue to maintain up the very good operate. I just additional up your RSS feed to my MSN Information Reader. Seeking ahead to studying more from you afterward!?

  3. Hello there, I found your blog via Google even as searching for a similar matter, your website came up, it seems to be great. I’ve bookmarked it in my google bookmarks.

  4. each time i used to read smaller articles which also clear their motive, andd that is also happening with this piece of writing which
    I am reading att this place.

  5. Thanks for the ideas you have discussed here. Something important I would like to say is that laptop memory requirements generally go up along with other breakthroughs in the technological know-how. For instance, when new generations of processor chips are introduced to the market, there’s usually a corresponding increase in the size and style calls for of both laptop or computer memory along with hard drive space. This is because the software operated through these cpus will inevitably boost in power to benefit from the new technology.

  6. I have really learned new things as a result of your blog site. One other thing I would really like to say is the fact that newer laptop os’s have a tendency to allow more memory to be used, but they as well demand more ram simply to work. If your computer cannot handle far more memory and also the newest software requires that memory space increase, it might be the time to shop for a new Laptop. Thanks

  7. Interesting blog post. Things i would like to bring about is that pc memory is required to be purchased in case your computer still can’t cope with anything you do with it. One can install two RAM boards with 1GB each, in particular, but not one of 1GB and one with 2GB. One should check the company’s documentation for own PC to be certain what type of memory is essential.

  8. Thanks for your publication. I also feel that laptop computers are getting to be more and more popular nowadays, and now will often be the only form of computer found in a household. Simply because at the same time that they’re becoming more and more inexpensive, their working power keeps growing to the point where these are as robust as personal computers out of just a few years ago.

  9. I have seen a lot of useful points on your internet site about pc’s. However, I’ve the judgment that notebooks are still not nearly powerful enough to be a option if you usually do things that require a lot of power, like video touch-ups. But for world-wide-web surfing, statement processing, and quite a few other prevalent computer functions they are all right, provided you cannot mind your little friend screen size. Thank you for sharing your ideas.

  10. Thanks for enabling me to attain new thoughts about pcs. I also possess the belief that one of the best ways to keep your laptop in leading condition is by using a hard plastic material case, or perhaps shell, that matches over the top of one’s computer. A majority of these protective gear will be model targeted since they are manufactured to fit perfectly over the natural casing. You can buy them directly from the seller, or from third party sources if they are for your laptop computer, however its not all laptop will have a shell on the market. Just as before, thanks for your recommendations.

  11. I have discovered some new issues from your web page about computers. Another thing I have always imagined is that computers have become an item that each home must have for several reasons. They offer convenient ways to organize households, pay bills, search for information, study, hear music and even watch shows. An innovative method to complete many of these tasks has been a laptop. These computer systems are mobile, small, strong and portable.

  12. One thing I’d like to say is that before obtaining more computer system memory, check out the machine directly into which it can be installed. In the event the machine is usually running Windows XP, for instance, the memory threshold is 3.25GB. Adding a lot more than this would merely constitute some sort of waste. Be sure that one’s mother board can handle the upgrade quantity, as well. Great blog post.

  13. One thing I would like to say is that often before getting more laptop or computer memory, check out the machine within which it could well be installed. In case the machine is running Windows XP, for instance, the particular memory threshold is 3.25GB. Installing more than this would merely constitute a waste. Make certain that one’s motherboard can handle your upgrade quantity, as well. Interesting blog post.

  14. You cancould definitelycertainly see your enthusiasmexpertiseskills in thewithin the articlework you write. The arenaThe worldThe sector hopes for moreeven more passionate writers like yousuch as you who aren’tare not afraid to mentionto say how they believe. AlwaysAll the timeAt all times go afterfollow your heart.

  15. Thanks for the ideas you have provided here. Something important I would like to talk about is that computer memory specifications generally rise along with other innovations in the technology. For instance, if new generations of processor chips are brought to the market, there is certainly usually an equivalent increase in the scale preferences of all computer memory as well as hard drive space. This is because the application operated through these processors will inevitably surge in power to make new engineering.

  16. Thanks for your blog post. The things i would like to make contributions about is that pc memory needs to be purchased when your computer still can’t cope with whatever you do along with it. One can install two RAM memory boards with 1GB each, by way of example, but not certainly one of 1GB and one of 2GB. One should always check the car maker’s documentation for the PC to be certain what type of memory is necessary.

  17. Thanks for your blog post. Some tips i would like to contribute is that computer memory has to be purchased in case your computer is unable to cope with whatever you do with it. One can deploy two RAM boards containing 1GB each, as an example, but not certainly one of 1GB and one having 2GB. One should always check the car maker’s documentation for the PC to be sure what type of memory is necessary.

  18. Hello, Neat post. There is a problem with your site in web explorer, could check this¡K IE still is the market chief and a huge section of folks will omit your fantastic writing due to this problem.

评论已关闭。