Hard touch Apple Apple Samsung wise to pay pay, who will win? Samsung wisdom, Apple Pay-IT information

China mobile payment market has entered the Giants against the stage, and the world's top three mobile phone companies Apple, Samsung and Huawei have announced plans to join.

On December 18 last year, Samsung and Apple also announced a partnership with China UnionPay. On February 18 of this year, Apple Pay first officially launched on March 21, Huawei announced cooperation to push mobile payments and China UnionPay, but formally launched the time not yet announced and 29th this month, Samsung Pay (Samsung wise to pay) in the country also formally launched, and Apple Pay to compete.

1, payment technique which home?

Samsung Pay, Apple Pay technology implementations are very similar to credit or debit card through APP binding through NFC (near-field communication technology) as well as fingerprint identification technology for "brush phone" payment. About NFC technology details see TI media previously reported.

But compared with Apple Pay, Samsung Pay more compatible, with the exception of NFC technology, also supported the MST (Magnetic Secure Transmission, magnetic transmission technology) to be fully compatible with all POS machines on the market.

In other words, most of China's more than 10 million POS machines do not need modification to use Samsung wise pay, businesses needed to pay the cost of almost 0.

MST technology is Samsung LoopPay by February 2015 for $ 229 million to buy a startup acquired after the company changed its name to SamsungPay Corporation (Samsung Corporation). About MST technology details see TI media previously reported.

2, who are more welcomed by the banks?

Unlike PayPal, micro-payments, paid or independent third party payment service, Apple Pay, Samsung Pay nearly field communication technology (NFC) services of bank card payment with a combination of new technology, the equivalent of bank card "card" or "digital" and "visualization", and the payment was actually a bank card payment.

Does not produce capital outflow will not impact the bank card business, yet no extra cost the bank card users, you can achieve more convenient mobile payment and, therefore, easier access to Bank end and support it.

China UnionPay was announced in cooperation with Apple, Samsung. Currently supported Samsung Pay Bank 15, reportedly also has five branches will support the system in the near future. It as good as Apple Pay come in 19.

Each through Apple and Apple charge 0.15% fees to Pay to complete the transaction is different, SamsungPay does not collect fees from the cooperative bank.

3, have you made money?

Apple each through Apple charge 0.15% fees to Pay to complete the transaction, Apple Pay already and the United States, Beijing East, where, ctrip, easy-to-use vehicle over more than 10 mobile applications such as collaboration, when using these applications, users can also use Apple Pay fast payment.

SamsungPay at present and the APP doesn't work out, do not collect fees from the Cooperative Bank, probably because of this, Samsung paid performance was not good in the past year, a loss of 16.8 million dollars. Samsung believes that SamsungPay based on MST is one Galaxy series mobile phone sales continue to grow.

Samsung Electronics-related charge, SamsungPay2015 years in August for the first time in Korea line, last September in the United States online, up to now in Korea and the United States of users has surpassed 5 million, which means that Galaxy S6, S6, edge, S6 edge+, and Note 5, Galaxy and A5 A7 has sold over 5 million units in the two countries. From mobile phone sales figures, the SamsungPay contributed more than $ 2.49 billion in revenue.

To SamsungPay as a bridge, Samsung also intends to establish an ecosystem so that businesses can give their customers the benefits and rewards.

In addition, SamsungPay in Korea and the United States so far accumulated transaction amounts up to $ 500 million, they believe that by analyzing data from SamsungPay, Samsung can learn details about the consumption pattern of consumers and benefit.

4, which models are supported?

As with Apple Pay, currently SamsungPay only supports its own brand models. SamsungPay first supported models include Galaxy S7, Galaxy S7 edge, Galaxy Galaxy Note 5 and S6 edge+ win 4 high-end models.

Samsung said the future Galaxy A9, Galaxy A7 midrange models also will launch this feature.

According to industry analysts, this is due to the competition from Apple Pay, Samsung user group covers to keep up, and will therefore consider access their low-end products, and that it may no longer be confined to a Samsung mobile phone, but to open up to third-party partners.

5, faced opponents who?

Samsung Pay, Apple Pay is the first into the United States market and then to enter the Chinese market, but the United States market, after all, not like PayPal, micro-payment of such competitors.

QR code scanning code payment, PayPal and micro-payments under the two dominated the line 90% per cent of the market share, especially in PayPal, in 2015, will pay the rapid expansion of supermarkets, shopping malls, restaurants, fast-food chains, drugstores, and other fields. The rest of the market is still Baidu wallets, wallets, Jingdong Lacarra wallet companies carved up.

Apple Pay using NFC technology, the Samsung Pay the equivalent of electronic bank cards, WINS in payment convenience, privacy, PayPal, micro-payment paid for representing two-dimensional code scan codes in user habits and payment scenarios on the diversity of natural advantages.

However, just like TI media authors Alter says, Apple Pay, Samsung Pay and PayPal, micro-credit, and not fight desperatedly war relations, cooperation is possible in the future.

三星智付硬碰苹果Apple pay，谁能赢？ - 三星智付,Apple Pay - IT资讯

中国移动支付市场已经进入巨头相争的阶段，全球前三的手机企业苹果、三星和华为都宣布要加入。

去年12月18日，三星和苹果同时宣布与中国银联达成合作。今年2月18日，Apple Pay率先在中国正式上线；3月21日，华为宣布和银联达成合作要推移动支付，但正式上线的时间没有公布；而本月29日，Samsung Pay（三星智付）在国内也正式上线，与Apple Pay展开竞争。

1、支付技术哪家强？

Samsung Pay、Apple Pay的技术实现上很类似，通过APP绑定信用卡或借记卡，通过NFC（近场通信传输技术）以及指纹识别技术进行“刷手机”付款。关于NFC技术，详看钛媒体此前报道。

但跟Apple Pay相比，Samsung Pay更兼容，除NFC技术之外，还支持MST（Magnetic Secure Transmission，磁力安全传输技术），可以全面兼容市面上所有POS机。

也就是说，中国1000多万POS机中的大多数不需要改造就可使用三星智付，商家所需付出成本几乎为0。

MST技术是三星公司通过在2015年2月以2.29亿美元收购创业公司LoopPay获得的，之后这家公司更名为SamsungPay Corporation（三星支付公司）。关于MST技术，详看钛媒体此前报道。

2、谁更受银行欢迎？

不同于支付宝、微信支付等第三方支付或独立支付服务，Apple Pay、Samsung Pay是将近场通信技术（NFC）与银行卡支付相结合的全新技术服务，相当于将银行卡实现了“无卡化”、“数字化”和“可视化”，而整个支付实际上还是银行卡支付。

不会产生资金外流，也不会冲击银行卡业务，还无需银行卡用户额外承担成本，就能实现更便捷的移动支付，因此，它更容易获得银行端的青睐和支持。

中国银联与苹果、三星的合作是同时宣布的。目前国内支持Samsung Pay的银行有15家，据说近期还有五家将支持这个系统。这与Apple Pay进入时的19家不相上下。

与苹果对每笔通过Apple Pay完成的交易收取0.15%的费用不同，SamsungPay不向合作银行收取手续费。

3、都赚到钱了吗？

苹果对每笔通过Apple Pay完成的交易收取0.15%的费用，另外Apple Pay已经和美团、京东、去哪儿、携程、易到用车等十余家移动应用合作，用户在使用这些应用时也可以通过Apple Pay快捷付款。

SamsungPay目前与国内APP没有合作公布出来，也不向合作银行收取手续费，可能也正因为这样，去年一年三星支付公司业绩并不好，亏损了1680万美元。但三星公司相信，基于MST技术的SamsungPay是Galaxy系列手机销量持续增长的原因之一。

据三星电子相关负责人介绍，SamsungPay2015年8月首次在韩国上线，去年9月在美国上线，截至目前在韩国和美国的用户量已经突破500万，这就意味着Galaxy S6、S6 edge、S6 edge+、Note 5、A5和Galaxy A7在这两个国家的销量已经突破500万台。从手机销售数据来看，SamsungPay促成了超过24.9亿美元的营收。

以SamsungPay为桥梁，三星还打算建立一个生态系统，让商家能够给他们的客户提供优惠和积分计划。

除此之外，SamsungPay在韩国、美国截止目前累计交易金额高达5亿美元，他们相信通过分析SamsungPay获得的数据，三星还可以详尽地了解消费者的消费模式，进而从中受益。

4、支持哪些机型？

与Apple Pay一样，目前SamsungPay也只支持自己品牌的部分机型。SamsungPay首批支持的机型包括Galaxy S7、Galaxy S7 edge、Galaxy S6 edge+和Galaxy Note 5共4款高端机型。

三星方面表示，未来在Galaxy A9、Galaxy A7等中端机型中也将开通这一功能。

据业内人士分析，这是由于在跟Apple Pay的竞争中，三星的用户群覆盖跟不上，所以会考虑接入自己的中低端手机产品，未来也可能不再局限于三星手机，而是开放给第三方合作伙伴。

5、面临的对手是谁？

Samsung Pay、Apple Pay都是先进入美国市场然后再进入中国市场的，但美国市场毕竟没有像支付宝、微信支付这类的竞争对手。

二维码扫码支付方面，支付宝和微信支付两家占据着线下90%以上的市场份额，特别是支付宝，在2015年将支付场景快速拓展到超市、大型商场、餐馆、连锁快餐、药房等领域。剩下的市场还有百度钱包、京东钱包、拉卡拉钱包等公司在瓜分。

使用NFC技术的Apple Pay、Samsung Pay相当于电子版银行卡，胜在支付方式的便捷性、保密性，而以支付宝、微信支付为代表的二维码扫码支付则在用户习惯和支付场景的多样性上天然有优势。

不过，就像钛媒体作者Alter所说，Apple Pay、Samsung Pay们和支付宝、微信之间，并不是鱼死网破的战争关系，未来合作也不是不可能。