The end of the traditional credit card: mobile wallet will rise-credit cards, mobile payments, mobile wallet-IT information
On May 9, the foreign media contributor Brian Chen (Brian x. Chen) has his own experiences of traditional credit cards, as well as a variety of mobile payment a comparison means. In his view, although the United States recently introduced EMV credit card has its own inherent advantages, but with major tech companies to launch mobile money service than traditional credit cards will have to their story.
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Every weekend, Pierre-Hol (Pierre Houle) in San Francisco called "Olea" on a restaurant manager, and local Diners will often use AA way to pay for it. Hu Le, this way of paying is not new, but now he takes longer than usual to complete this work.
Specifically, he needs the guest first took a different credit card, and then insert them one by one chip card reader and wait 10-15 seconds to complete the transaction. Prior to this, he usually only need to get the card on the card reader directly credit card, print out the receipt.
"This change appears to have little effect, but in the catering sector was very important, because I have to stand in place waiting for the completion of this transaction. But in this business, we always need to keep walking to do their work. "Hol said.
In fact, in order to address the rising cases of credit card fraud, United States Government and the banking sector has been actively promoting a more secure chip card, to replace the older magnetic strip credit cards. And from October 1, 2015, United States retail shops in the territory will be fully replaced compatible with EMV chip credit card swipe machine, if stores are still in the future not to accept EMV chip cards, fraud following the transfer of responsibility will also be issuing institutions to business on its own. And in parts of Europe as early as ten years ago have large using the credit card form.
In this regard, independent research and consultancy Aite Group estimates, by the end of the year United States credit card 80% will complete the upgrade .
It should be said that EMV credit card at the beginning will make consumers feel a little annoying, because this card requires that we will have to wait some time to confirm the transaction information to the card reader back into credit cards. On the other hand, the recent rapid rise of the mobile payment method seems to be the better solution.
To the top
At present, including Google, Samsung and Apple, the world's biggest technology companies released their mobile payment technology. EMarketer, a research firm survey data show that beauty shops in the territory last year in 0.2% transactions is done through the phone.
"With Tim Cook (Tim Cook) the introduction of the Apple version of Pay is different, because consumers have been accustomed to consumer credit card. "Aite Group researcher Julie Kang Nuoyi (JulieConroy) said.
I was in Walgreens (founded at the beginning of the last century United States pharmacy chain sales agency), BevMo (United States a beverage retailer) and Nancy Boy shops tested one by one such as EMV credit card and online payment services, and by way of the timer records the receipt of each payment from the pay to print the time required. Results found that the payment there is a slight time difference, and mobile payments in general are more convenient.
Walgreens,EMV insert the chip card from the card reader to start printing receipt took 8 seconds time, payment only takes 3 seconds to pay Apple and Samsung, Android payment took 7 seconds. BevMo,EMV chip card spent 10 seconds, pay Apple and Android payment takes 5 seconds, Samsung pays just 4 seconds. NancyBoy,EMV chip card payment sum of 8 seconds, and all mobile payment services are only 2.4 seconds that clinched the deal.
So why are chip credit card payments needed for such a long time? This is mainly because consumers are EMV chip card each transaction generates a new dynamic password, and sends it over the private network to the Bank side. Then, banks end need to confirm, and the feedback to the payment terminal can complete the transaction. Principles of mobile payment transactions are also very similar, that will generate a one-time key in the background, and confirmation will be sent to the Bank side deals.
Visa products, risk and safety management Vice President-Stephanie Erickson (Stephanie Ericksen) believes that people think EMV credit card credit card is slow mostly is a matter of subjective, because it takes nearly as much mobile payment business transactions. But in using EMV credit card consumers need to wait for credit card terminal screen displays "remove card" was able to pull out the card and mobile payment means you only need users operating on the phone, which will allow consumers to produce feelings of EMV credit card takes a long time.
In response to this issue, Visa has announced to be launched for EMV chip card "fast-chips" (Quick Chip) upgrade software designed to help businesses and consumers more quickly and effectively to a chip card transactions. Visa commitments, specifically designed for EMV chip card "fast chip" upgrade would bring to consumers in 2 seconds to complete the transaction, do not need to spend hours waiting for a card-issuing institutions authorized in the store. Even supermarket cashier scan through all items purchased before the bar code, the customer can insert their cards in advance.
There are pros and cons
As of right now, mobile payment means in terms of speed or better credit card better. However, not all businesses that support credit card payments are now also supports mobile money payments. Now, most consumers only by looking at shop Windows or payment terminal is marked with mobile payment Logo to determine whether the shop supports the payment method. Of course, these new payment methods have their own advantages and disadvantages.
Which Samsung paid the most widely used. This means in addition to the NFC payment terminals, POS machines, no NFC can also be used to feature magnetic card-POS machine, and is used in the majority of POS machine offline businesses. However, pay Apple and Android payment requires payment terminal built-in NFC chip to use.
However, Apple pay received from the banking industry wider support. Android pay the advantage of having a greater base of compatible mobile device, because any built-in NFC module of Android phones can support this service. Instead, Samsung pay applies only to Samsung phones, Apple paid only applies to iPhone and Apple watch.
In this regard, Samsung had said in a statement that "Samsung pay mobile payment is the most extensive coverage, and that this means of payment can reduce fraud".
Meanwhile, Android paid Senior Director, Parry-Bart (Pali Bhat) says: "I want the Android pay became ubiquitous, and is compatible with every kind of equipment that we could support. ”
In addition, Apple's Vice President of global online store-Jennifer Belle (Jennifer Bailey), said: " feedback from our users tell us they like Apple watch or a big iPhone payment convenience. ”
传统信用卡的末日：移动钱包将要崛起 - 信用卡,移动支付,移动钱包 - IT资讯
5月9日，外媒撰稿人布莱恩-陈(Brian X. Chen)日前就自己的亲身经历对传统信用卡以及多种移动支付手段进行了一番对比。在他看来，虽然美国最近大力推出的EMV信用卡拥有自己的固有优势，但同各大科技企业推出的移动钱包服务相比，传统信用卡恐怕已经到了自己的强弩之末。
以下是文章主要内容：
每个周末，皮耶尔-胡勒（Pierre Houle）都会在旧金山一家名为“Olea”的餐厅上中班，而当地食客大多会采用AA制的方式来买单。对于胡勒而言，这样的买单方式并不什么新鲜事，只不过如今的他需要花费比以往更长的时间来完成这一工作。
具体来说就是，他首先需要从客人手中接过一张张不同的信用卡，然后将它们一一插入芯片读卡器，并等待10-15秒来完成交易。在此之前，他通常只需要在拿到卡后直接在读卡器上刷卡、打印出收据即可。
“这一变化的影响看似不大，但在餐饮界却是非常重要的，因为我必须站在原地等待完成这一交易。但在这一行，我们总是需要不断的走动来做好自己的工作。”胡勒说道。
事实上，为了解决日渐加剧的信用卡诈骗情况，美国政府和银行界一直以来都在积极推动较安全的芯片信用卡，以取代旧式磁条信用卡。而且自2015年10月1日开始，美国境内零售商店将全面更换与EMV芯片信用卡相兼容的刷卡机，未来若店家仍不接受EMV芯片卡，发生诈骗交易后的责任将由目前的发卡机构转移至商家自行承担。而且，欧洲部分地区早在十年前就已经大规模采用这一信用卡形式了。
对此，独立研究和咨询机构Aite Group预计，截至今年末美国地区80%的信用卡都将完成这一升级。
应该说，EMV信用卡在一开始的确会让消费者感到有些烦人，因为这一卡片要求我们必须等待一段时间让读卡器确认交易信息才能放回信用卡。在另一方面，近期快速崛起的移动支付手段似乎才是更好的解决方式。
异军突起
目前，包括谷歌、三星和苹果这些全球最大的科技企业都发布了各自的移动支付技术。调研公司eMarketer的调查数据显示，去年全美境内商铺中有0.2%的交易是通过手机完成的。
“这同蒂姆-库克（Tim Cook）在推出Apple Pay时的说法不同，因为消费者一直以来都习惯于刷卡消费。”Aite Group研究员朱莉-康诺伊（JulieConroy）说道。
我曾在Walgreens（上世纪初创建于美国的一家药店连锁销售机构）、BevMo(美国一家饮料零售商)和Nancy Boy等商铺一一测试过EMV信用卡以及在线支付服务，并通过计时器的方式记录下了每种支付方式从开始支付到打印收据的所需时间。结果发现这些支付方式的确存在略微的时间差异，而移动支付方式一般而言则更为方便一些。
在Walgreens，EMV芯片卡从卡片插入读卡器到收据开始打印总共花了8秒的时间，苹果支付和三星支付则仅需要3秒，Android支付则花了7秒钟。在BevMo，EMV芯片卡总共花了10秒，苹果支付和Android支付花了5秒，三星支付则仅需4秒。在NancyBoy，EMV芯片卡支付总共花了8秒，而所有移动支付服务都只用了2.4秒即完成了交易。
那么，为什么芯片信用卡在支付的时候需要这么长时间呢？这主要是因为EMV芯片卡每次都会为消费者的交易行为生成新的动态密码，并通过专用网络将其发送至银行端。然后，银行端需要对其进行确认，并将这一信息反馈至支付终端才可以完成交易。移动支付方式的交易原理也十分类似，即会在后台生成一个一次性的密匙，并会将其发送至银行端进行确认才能进行交易。
Visa风险产品、安全管理副主席斯蒂芬妮-埃里克森(Stephanie Ericksen)认为，人们觉得EMV信用卡的刷卡速度较慢大多只是一个主观问题，因为它和移动支付方式的实际交易耗时几乎不相上下。只不过，在使用EMV信用卡的时候消费者需要等待刷卡终端屏幕显示“移除卡片”才能够拔出卡片，而移动支付手段则只需要用户在手机上进行操作而已，这也就让消费者产生了EMV信用卡使用耗时较长的感觉。
针对这一问题，Visa已经宣布将针对EMV芯片卡推出“快速芯片”(Quick Chip)升级软件，旨在帮助商家和消费者更加快速有效地进行芯片卡交易。Visa承诺，专为EMV芯片卡设计的“快速芯片”升级可让消费者在2秒完成交易，不需要在店家内花时间等候发卡机构授权。甚至，在超市收银员扫完所有购买物品的条形码之前，顾客就可以提前插入他们的卡片。
各有利弊
就目前而言，移动支付手段在交易速度方面还是更胜信用卡一筹。只不过，现在还并不是所有支持信用卡支付的商户都同样支持移动钱包支付。当下，大多数消费者还只能通过观察店铺橱窗或者支付终端是否贴有移动支付Logo的方式来判断商铺是否支持这样的支付方式。当然，这些全新支付方式也都有着各自的利弊。
其中，三星支付的使用范围最为广泛。这一支付手段除了可用于NFC终端的POS机中，也可用于没有NFC功能的磁卡式POS机，且能够在绝大部分有POS机的线下商家中使用。不过，苹果支付和Android支付则要求支付终端内置NFC芯片才能够使用。
然而，苹果支付获得了来自银行业更为广泛的支持。Android支付的优势则在于其拥有着更大的兼容移动设备基数，因为任何内置有NFC模块的Android手机都可以支持这一服务。反之，三星支付仅适用于三星品牌手机，而苹果支付则仅适用于iPhone和苹果手表。
对此，三星方面曾在一份声明中表示“三星支付是普及率最为广泛的移动支付方式，且这一支付手段可以有效降低交易欺诈的出现”。
与此同时，Android支付高级总监帕里-巴特(Pali Bhat)则表示：“我希望让Android支付变得无处不在，并兼容每一款我们可能支持的设备。”
此外，苹果全球在线商店副总裁珍妮弗-贝莉(Jennifer Bailey)则表示：“用户的反馈告诉我们，他们非常喜欢通过苹果手表或者iPhone支付时所带来的巨大便利性。”