NFC is a technology that achieves data exchange through short-range communication. Mobile payment is the main function of NFC near-field communication. The NFC module is embedded in the smart phone, which can liberate people's wallets and cards. It is convenient and quick to use, and the market prospect is very clear. It is very competitive in the field of mobile payment.
Advantages of NFC mobile payment
The NFC function turns your phone into a wallet and can be paid anywhere, anytime, and it sounds like a very hot feeling. It has the following main advantages:
1. High security. The NFC communication distance is not as far away as Bluetooth, and the speed is not as fast as Bluetooth, so it cannot replace Bluetooth. However, its short-range communication characteristics have achieved its natural advantages. For mobile payment, security is the most important. NFC credit card mobile payment needs to communicate within a range of less than 0.1M, and only point-to-point communication, which ensures a high degree of confidentiality and security of data transmission in mobile payment communication. As long as the terminal device is within your management, there is no possibility of being stolen.
2. Convenience is good. The traditional wallet is a burden, and it needs to be carried when it is there. It is very inconvenient. The NFC card phone has a wallet function, which can install all the cards (bank card, access card, campus card, membership card, bus card) in this smart phone, reduce the burden on the wallet, reduce the burden, manage and use it. More convenient and easy.
3. Low energy consumption. It consumes far less power than Bluetooth and infrared devices. It loads the NFC module in a smartphone and can be used without the need for a mobile phone.
4. Low manufacturing costs. The NFC technology has been solved, and only one NFC function module needs to be mounted on the mobile terminal to be used, and the manufacturing cost is low.
Disadvantages of NFC mobile payment
At present, the most mature NFC payment is Japan, which is in the early stage of development in China and other countries. It mainly has the following shortcomings that restrict the application of NFC in a wide range:
1. User conversion costs are high. Although its manufacturing cost is low, user conversion costs are high. According to the brand machine usage survey, under normal use, a mobile phone has a holding period of about two years, which means that most people will change their mobile phones in about two years. If users want to use NFC, they have to replace the NFC-enabled mobile phone, which results in high user cost. Second, the user is accustomed to the change. The offline user has been attracted to the Internet, and the Internet has been used for nearly 10 years. With the acceleration of the development of science and technology, people's life and education level are improved, and their adaptability is becoming stronger. The time period required to convert users from the Internet to the mobile Internet will be greatly shortened. Not counting those who are stubborn, after the NFC card phone is used, it takes at least two years to complete the conversion, which is the cost of time.
2. Need to be improved after the sale. In the bank after-sales management system, even if the user's bank card is in his own pocket, but is used in a different place, the bank will only be dismissed and will not be held responsible. This after-sales experience is really bad. Mobile payment is related to third-party payment companies and financial enterprises. It is hoped that it will not follow the footsteps of the domestic bank after-sales management system, improve after-sales service, and improve the payment mechanism.
Prospects for the development of NFC mobile payment
NFC is only the initial stage of development. All the princes are optimistic about their development prospects and have a vision of mutual cooperation. For the large NFC smartphone users, the popularity is not difficult. I believe that NFC credit card payment should not be a problem in the mobile payment field, and its advantages should also be able to block fingerprint payment, remote payment, etc. The impact of other mobile payments will provoke a wave of mobile payments in the next 2-3 years.
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