蘋果或推出移動(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，蘋果（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，部分原因在于蘋果終于邁入了NFC領(lǐng)域，雖說有點(diǎn)姍姍來遲。 ????早在數(shù)年前，全球的其他地區(qū)就已經(jīng)開始采用該技術(shù)。參與者包括谷歌（Google）、三星（Samsung）、諾基亞（Nokia）、索尼（Sony）、黑莓（Blackberry）、Visa和萬事達(dá)（Mastercard）。在歐洲和亞洲的大部分國家，信用卡都采用這種技術(shù)與銀行和商家進(jìn)行交易。 ????但在美國不是這樣。 ????這一點(diǎn)即將改變。Visa和萬事達(dá)已經(jīng)設(shè)定截止日期，要求美國的零售商在2015年10月前將磁條卡換成芯片卡。如果蘋果想要入局，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?德爾?雷報(bào)道稱，蘋果正在對(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，在發(fā)布科技媒體所謂的錢包類產(chǎn)品“iWallet”之前，蘋果已經(jīng)和支付業(yè)打得火熱。上周四，《金融時(shí)報(bào)》也報(bào)道稱，蘋果已經(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)。 ????蘋果無法改變大多數(shù)美國人的購物方式。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)于蘋果用戶，即“平價(jià)奢侈品”的用戶而言，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NFC芯片的iPhone這個(gè)話題撰寫了一份報(bào)告，列舉了蘋果的一些有利因素： ????? 蘋果的iTunes記錄了超過8億個(gè)信用卡號(hào)碼 ????? 蘋果售出了3億臺(tái)配備藍(lán)牙的iPhone，擁有龐大的客戶群。 ????? 蘋果用于發(fā)射iBeacons信號(hào)的藍(lán)牙-長期演進(jìn)技術(shù)（LTE）網(wǎng)絡(luò)正在迅速發(fā)展 ????? 蘋果擁有NFC和藍(lán)牙兩用支付系統(tǒng)的專利 ????? 蘋果擁有將財(cái)務(wù)數(shù)據(jù)存儲(chǔ)于“安全環(huán)境”的專利 ????? 蘋果擁有能夠感知地理位置和情境的支付系統(tǒng)的專利 ????根據(jù)伯寧頓的說法，在9月9日庫比蒂諾的蘋果發(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，或是那些買不起蘋果產(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上稱我把NFC與EMV混為一談了。我相信他是對(duì)的。EMV代表Europay卡、萬事達(dá)卡和Visa卡的首字母簡寫，是一種讓信用卡讀卡器互通互用的國際標(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)域的問題沒有直接關(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、無鑰匙進(jìn)門和許多其他領(lǐng)域有著更為廣泛的應(yīng)用?！保ㄘ?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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