Because of the domestic mobile payment environment, the two-dimensional code has occupied in most of the market, which was forced to let these emerging mobile payments become unpopular. But the age of the river is constantly running, and payment will not stop the pace of innovation.
One, 2.4G RCC payment
Speaking of NFC payment, the mobile payment field veterans will also associate with another wireless communication technology-2.4G. "2.4G" accurate communication frequency band is between 2.400GHz~2.4835GHz, and the most popular wireless keyboard mouse is used in daily life. Different from 13.56MHz, the 2.4G can realize the control of multiple distance intervals within the range of 10cm, 50cm, 10m and so on.
In the field of mobile payment, it should be written in 2.4G completely 2.45GHz RCC (limited domain communication) mobile phone payment, especially within 10cm, based on the mobile communication frequency to achieve payment technology, while the national technology is the main technology on behalf of the enterprise. The main form of 2.4G in the field of mobile payment is very simple, which is to replace a SIM card with 2.4G function, and then the phone can be within 10cm within the rapid non-connection mobile payment. The core feature of 2.4G is that its signal penetration ability is very strong, which ensures that the RF signal can effectively penetrate the metal shell of mobile phone to achieve the purpose of identity authentication and payment.
Two, Bluetooth payment
Bluetooth is a wireless technology standard, using the same UHF radio band 2.4 ISM - 2.485GHz, the 4 generation experience the development of Bluetooth technology to break the power and transmission speed hinder its application, has been widely used in the field of consumer electronics.
In the past two years, the emergence of various kinds of smart terminals such as Bluetooth KEY and Bluetooth POS has injected new vitality into the development of mobile payment. All kinds of financial IC card terminals are connected to the smart phone through Bluetooth transmission, and also become the important data access of the financial IC card access to the internet. However, due to the Bluetooth pairing and openness problems, the security and convenience of Bluetooth can not be compared with other technologies such as NFC, so there are not many solutions to use Bluetooth for payment.
Bluetooth is widely known, and the popularity of the NFC technology was relatively high. There are still some imagination development in the field of mobile payments, but the actual experience of users and the security problem should be solved.
Three. Acoustic payment
Acoustic payment product model is similar to two-dimensional code, and it is also a kind of face to face payment. But the form of its voice is not two-dimensional code ground gas, so it has not been widely popularized. But note that, unlike voice payments, acoustic payments is accomplished by a voice interactive mode of payment, and the payment is made by a particular voice voiceprint for complete identity recognition method, as a kind of biological recognition technology.
Four, photon payment
Photon payment is also an innovative payment method in recent years. It uses light flash as the payment medium, and realizes the transmission of data from mobile phone to POS by using mobile phone flash. In similar to the principle of sound wave payment, only the information transmission of photon payment is transformed into a beam of light by ultrasonic wave.
Five. Magnetic pulse payment (MST)
Magnetic pulse pay with the biggest advantage obviously, that is compatible with some of the old magnetic stripe card terminal, but the disadvantages are also here. The old magnetic stripe card terminal will eventually be eliminated, and the magnetic stripe card to more secure chip card is the development trend of bank card transfer. In addition, for some POS machines with magnetic stripe and non connecting function, MST magnetic pulse payment is easy to conflict with non payment, and also affects the use experience to some extent. Therefore, the magnetic pulse payment has also gradually moved towards the edge of elimination.
Six, Biometric payment
With the increasing use of fingerprint identification in life, biometrics technology in mobile payment field is more and more. In September this year, Apple launched iPhone X formally uses face recognition instead of fingerprint recognition, which indirectly applies face recognition to the field of mobile payment.
Although due to technical, these services will not grow rapidly, but the future of biometric technology will be the development trend of mobile Internet era. And more and more innovative solutions will be applied to these technologies.