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The author:(作者)qq
published in(发表于) 2015/6/10 7:25:16
Photon payment available： no card， no network no problem

Only a beam of light, credit card information, will be able to break the network, paying quotas, complete the payment transaction. Following the NFC, QR code, mobile payment tool, photon paid officially published. On June 9, ping an Bank and Shenzhen Kai announced, officially launched the photons to pay. Pay via photons, in the case of no cards, no Internet, no limit on payments, ATM cash withdrawal can be completed in the near future, do not have to carry a card, so as to get rid of phone banking restrictions.

With the rapid development of the mobile Internet, mobile payment has become a battleground. Prior to this, ping an Bank in Shenzhen, Kunming and other places, the photon payment pilot. The Bank said, the future will be arranged according to head office, used in other cities.

Breakthrough payment limits

So-called photons to pay, by means of a beam of light to achieve authorization, recognition and information transmission and payment technologies. In accordance with their introduction, paid via photons, as long as a cell phone, without the network, instead of a card, cell phone flash light, payment can be completed.

According to ping an Bank and who are, in terms of specific application, users download the "Pocket banks" after the APP, binding their bank cards, click Pocket bank payment function, the photon sensors to pay on phone at POS machines take a look, and amounts entered in the POS machine and password, authentication, form to complete the transaction.

"Photons can pay hundreds of paid accounts, bound in a light ID' on, it saves trouble with cards. "This person said, and flat payments not cash card, users simply log into his pocket Bank a key light, can be done on the ATM cash withdrawal. At present, the Bank has completed renovation of ATM machines, systems development, the next step will be put into test use.

It is worth mentioning that, photon payment does not need to connect to the network, supports most major mobile phone, no SIM card, the operating system and other restrictions, and supports high value payment, is the true meaning of mobile payment tool.

On September 26, 2014, ping an Bank "Pocket banks" had achieved paid the first Photon, and pilot began in January 2015 in Shenzhen, Kunming, Shenzhen huaqiang North, part of the commercial area, such as Photon pays has been opened.

And before the ping an Bank, Photonic application payment technologies have begun to explore the market. In June 2014, ping an of China sign cooperation with Shenzhen kai, the introduction of payment solutions financial applications of photons. In December 2014, the agricultural Bank of China Shenzhen branch also in cooperation with Kai and jointly promote the businesses such as Photon pays.

"Judging from the pilot, photon payment security and convenience has been recognized by customers, mass market conditions exist. "Safe retail banking risk and small businesses Vice President Shen Zhihua, said technical director.

New mobile payment battle

With the rapid development of the mobile Internet, mobile payment has become the focus of banks, the competition for third party payment. Central Bank data shows, in 2014, the mobile payment total of 4.524 billion, amount of 22.59 trillion yuan, compared with growth of 170.25% and 134.3%, respectively.

Huge market potential and growth prospects, the shape of mobile payment products are more and more rich, near-field NFC payments, QR payment, acoustic and other means of payment to pay one after another. But industry insiders believe that these various programmes in parallel with the rapid development of mobile payment, also faced less secure and transform the bottlenecks such as high cost and limited channels.

Ping an Bank, according to Photon has to pay by bank card test center security testing, the transactions do not have to connect to the network, but by point to point transmission of visible light, with photon dynamic encryption, each light are different and valid. When users need to enter transactions in the POS machine password, so as to achieve a double security.

Unlike other payment, photon pays without any external equipment, without matching cell phone, as long as there is a Flash on the market based on iOS, andAndroid, andWindows Phone Smartphone, can support photon pays, and re-assessed in the POS machine on a low external receiver can be used.

"Photonic technology reformation of the POS machine is small, without changing the account relationship, rebuilding costs are not too high. "Shen Zhihua said photon paid through changes in pay and equipment, the use of low cost, the consumer is also more convenient to use. The unified arrangements of the future will be based on the head office, used in other cities.

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