蘋(píng)果或推出移動(dòng)支付平臺(tái)
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????雖然并非官方消息，但《連線》（Wired）和《金融時(shí)報(bào)》（Financial Times）的資深記者在上周四報(bào)道稱(chēng)，蘋(píng)果（Apple）的下一代電子消費(fèi)品（確定包括iPhone，可能還包括可穿戴設(shè)備）將會(huì)配有可用于移動(dòng)支付的NFC（近場(chǎng)通訊）芯片。 ????這是個(gè)重大消息，部分原因在于蘋(píng)果終于邁入了NFC領(lǐng)域，雖說(shuō)有點(diǎn)姍姍來(lái)遲。 ????早在數(shù)年前，全球的其他地區(qū)就已經(jīng)開(kāi)始采用該技術(shù)。參與者包括谷歌（Google）、三星（Samsung）、諾基亞（Nokia）、索尼（Sony）、黑莓（Blackberry）、Visa和萬(wàn)事達(dá)（Mastercard）。在歐洲和亞洲的大部分國(guó)家，信用卡都采用這種技術(shù)與銀行和商家進(jìn)行交易。 ????但在美國(guó)不是這樣。 ????這一點(diǎn)即將改變。Visa和萬(wàn)事達(dá)已經(jīng)設(shè)定截止日期，要求美國(guó)的零售商在2015年10月前將磁條卡換成芯片卡。如果蘋(píng)果想要入局，現(xiàn)在就是個(gè)合適的時(shí)機(jī)。 ????今年4月，科技博客re/Code的杰森?德?tīng)?雷報(bào)道稱(chēng)，蘋(píng)果正在對(duì)支付行業(yè)的高管進(jìn)行招聘面試。今年7月，科技博客The Information的阿米爾?埃弗拉提報(bào)道稱(chēng)，在發(fā)布科技媒體所謂的錢(qián)包類(lèi)產(chǎn)品“iWallet”之前，蘋(píng)果已經(jīng)和支付業(yè)打得火熱。上周四，《金融時(shí)報(bào)》也報(bào)道稱(chēng)，蘋(píng)果已經(jīng)與荷蘭芯片制造商N(yùn)XP接洽，讓后者為其提供NFC技術(shù)。 ????蘋(píng)果無(wú)法改變大多數(shù)美國(guó)人的購(gòu)物方式。正如科技博客Stratechery的博主本?湯普森所指出的，要阻止人們使用現(xiàn)金與信用卡十分困難，因?yàn)樗鼈兌己芎糜谩?/p> ????但對(duì)于蘋(píng)果用戶(hù)，即“平價(jià)奢侈品”的用戶(hù)而言，新的支付平臺(tái)即將浮出水面。 ????《連線》的克里斯蒂娜?伯寧頓圍繞裝備N(xiāo)FC芯片的iPhone這個(gè)話題撰寫(xiě)了一份報(bào)告，列舉了蘋(píng)果的一些有利因素： ????? 蘋(píng)果的iTunes記錄了超過(guò)8億個(gè)信用卡號(hào)碼 ????? 蘋(píng)果售出了3億臺(tái)配備藍(lán)牙的iPhone，擁有龐大的客戶(hù)群。 ????? 蘋(píng)果用于發(fā)射iBeacons信號(hào)的藍(lán)牙-長(zhǎng)期演進(jìn)技術(shù)（LTE）網(wǎng)絡(luò)正在迅速發(fā)展 ????? 蘋(píng)果擁有NFC和藍(lán)牙兩用支付系統(tǒng)的專(zhuān)利 ????? 蘋(píng)果擁有將財(cái)務(wù)數(shù)據(jù)存儲(chǔ)于“安全環(huán)境”的專(zhuān)利 ????? 蘋(píng)果擁有能夠感知地理位置和情境的支付系統(tǒng)的專(zhuān)利 ????根據(jù)伯寧頓的說(shuō)法，在9月9日庫(kù)比蒂諾的蘋(píng)果發(fā)布會(huì)上，支付平臺(tái)將會(huì)作為最大亮點(diǎn)之一隆重登場(chǎng)。 ????而這一平臺(tái)能否部分應(yīng)用于擁有舊款iPhone的用戶(hù)，或是那些買(mǎi)不起蘋(píng)果產(chǎn)品的人，我們?nèi)孕枋媚恳源?/p> ????修正及澄清：讀者詹姆斯?韋斯特在Twitter上稱(chēng)我把NFC與EMV混為一談了。我相信他是對(duì)的。EMV代表Europay卡、萬(wàn)事達(dá)卡和Visa卡的首字母簡(jiǎn)寫(xiě)，是一種讓信用卡讀卡器互通互用的國(guó)際標(biāo)準(zhǔn)。金融網(wǎng)站Datacard Edge表示： ????“NFC技術(shù)與EMV標(biāo)準(zhǔn)等金融交易領(lǐng)域的問(wèn)題沒(méi)有直接關(guān)系。然而，該技術(shù)能夠讓移動(dòng)設(shè)備的非接觸式支付成為可能，此外還在數(shù)據(jù)傳送、無(wú)鑰匙進(jìn)門(mén)和許多其他領(lǐng)域有著更為廣泛的應(yīng)用。”（財(cái)富中文網(wǎng)） ????譯者：嚴(yán)匡正 |
????It’s not official, but good journalists at Wired and the Financial Times reported Thursday that Apple’s next generation of consumer devices — iPhones for sure, wearable devices maybe — will come equipped with a NFC (near field communication) chip for making mobile payments. ????This is big news, in part because Apple is so late to the NFC party. ????The rest of the world switched to the technology years ago. Google, Samsung, Nokia, Sony, Blackberry, Visa, MasterCard. It’s the way credit cards talk to banks and retailers in most of the countries of Europe and Asia. ????But not in the U.S. ????That’s about to change. Visa and MasterCard have set an October 2015 deadline for U.S. retailers to switch from magnetic strips to embedded chips. If Apple wants in on the game, now’s the time. ????In April, re/Code’s Jason Del Ray reported that Apple was holding job interviews with senior payments industry executives. In July The Information’s Amir Efrati reported that discussions between Apple and the payments industry had heated up in advance of the launch of what the tech press is calling the “iWallet.” The Financial Times reported Thursday that Apple has tapped the Dutch chipmaker NXP to supply the NFC technology. ????Apple can’t change the way most Americans pay for things. As Stratechery’s Ben Thompson observes, it’s hard to disrupt cash and credit cards because they both work pretty well. ????But for Apple’s customers — the “affordable luxury” crowd — the pieces of a new payment platform are falling into place. ????In her report on an NFC-equipped iPhone, Wired’s Christina Bonnington ticked them off: ????? More than 800 million credit card numbers on iTunes ????? An installed base of 300 million bluetooth-equipped iPhones ????? A fast-growing network of Bluetooth-LTE transmitting iBeacons ????? A patent on dual-use NFC and bluetooth payment system ????? A patent on storing financial data in a “secure element” ????? A patent on a payment system that is location and context aware. ????According to Bonnington, the payment platform will be one of the tentpoles of the Sept. 9 press circus in Cupertino. ????Whether any part of the system works for people who own older iPhones — or for people who can’t afford Apple’s products — remains to be seen. ????Correction and clarification: Reader James Wester suggests on Twitter that I’ve just conflated NFC and EMV. I’m sure he’s right. EMV, which stands for Europay, MasterCard and Visa, is the international standard for credit card reader interoperability. According to Datacard Edge ????“NFC technology isn’t directly associated with financial transactions like the EMV standards. One of NFC’s applications, however, is enabling contactless payments via mobile devices, in addition to its much broader applications for data transfer, keyless door entry and much more.” See EMV vs. NFC Technology: Setting the record straight. |
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