v****e
发帖数: 19471 | 1 这是大实话。补充一点：NFC最大阻力我认为还是在客户习惯--credit cards and cash
payments are strong incumbents. 人们虽然觉得手机碰一下挺酷，但本质上并没觉
得有必要改变多年来的支付习惯。用一个很俗的营销字眼，the pain point isn't
there.
payment |
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w********2
发帖数: 16371 | 2 这个类似passport了。nfc推广的实际困难还是大。 |
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w********2
发帖数: 16371 | 5 手机市场上，苹果现在完全是看其他人折腾完然后选个觉得合适的方案后动跟随呀。
看大屏幕和nfc。 |
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s******s
发帖数: 13035 | 6 苹果原来是打算自己搞的，不知道为啥没搞成，只能re-invent nfc了 |
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W*****d
发帖数: 4196 | 7 【 以下文字转载自 PDA 讨论区 】
发信人: Wayland (伪兰得), 信区: PDA
标 题: NFC un-reinvent了？
发信站: BBS 未名空间站 (Tue Sep 9 13:43:18 2014, 美东)
轮子以来最伟大的发明mobile payment 呢？ |
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v****e
发帖数: 19471 | 8 It's very simple. there's a 16 digit Device Authentication Number (DAN), or
know as "token", that gets transmitted to the NFC terminal. Certain fields
in that number indicate this is an Apple Pay transaction. As soon as the
terminal sees that, Rite Aids acquirer bank sees that, too. And if the
acquirer has received directive from Rite Aid to not process Apply Pay
transactions, a rejection message is generated and transmitted back to the
terminal.
By the way, this is the poorest business decision... 阅读全帖 |
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S**C
发帖数: 2964 | 9 Retailers do not get any cut, but they need to enable nfc, which may have
added cost. In addition, they have their own system in development, although
I do not see there is any future in their system which essentially cut out
banks. |
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w********2
发帖数: 16371 | 10 mcx 自己折腾不出来，但逼着商家签约三年不能用竞争者的，所以当时签约的只好。自
己出来被人骂把nfc停了。 |
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s**********d
发帖数: 36899 | 11 大部分好就行了。我是支持用户有更多选择的，他们想bypass credit card 而关掉其
它NFC是不可忍受的。
real |
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t*******s
发帖数: 492 | 12 The nfc terminal doesn't really differentiate if the approaching card is a
physical card with a static chip or some sort of dynamic chip in a phone. It
can tell its Apple pay just because of the certain prefix of the code. But
this doesn't increase any risk or impose any extra trouble/cost for the
merchant.
The merchant can refuse to take $100 bill, it can be justified by the higher
risk of counterfeit note. Or refuse American Express, because they are not
in the network.
Or they can even refuse... 阅读全帖 |
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t*******s
发帖数: 492 | 13 apple is a facilitator of the backend credit card. Rite aid can disable nfc
reader entirely. But just disable against google and Apple is different
story.
if
that
then
their |
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s**********d
发帖数: 36899 | 14 no credit card company require NFC. next year they require chip card reader.
reduce
take |
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t*******s
发帖数: 492 | 15 So, what exactly is this "chip raced reader"? Not nfc based?
reader. |
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t*******s
发帖数: 492 | 16 I tried to use Apple pay at rite aid a few days ago, didn't go through. Then
use my nfc Citicard, it worked.
So, you don't even have the simplest fact right. Let alone your other holes
in your analysis.
at
If |
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v****e
发帖数: 19471 | 17 Token reissue一下很容易，卡号要是compromise了你就得reissue card了。而且token
是device-specific, IC没有其他auth points，没法cross verify。
但我觉得Apple Pay的牛逼之处还是在方便和将来和各种loyalty program的整合上面。
IC这东西还是个plastic，被动存储的一个介质，属于上一代的form factor，要渐渐远
去的。明年你会看到各种基于HCE的NFC方案，到时候form factor的局面就会更明朗了
。对于业内的朋友们来讲，其实已经特别明朗啦。 |
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S****M
发帖数: 2198 | 18 同意，这种颠覆业界的创新还非得Apple来做。不是Apple的话，跟银行肯定谈不成card
present rate，也支持不了信用卡本身的reward category。看看Google wallet就知
道了，搞了那么久，CVS也没见紧张地关NFC终端，Apple Pay刚出来就赶紧关了，可见
Apple的影响力。
token |
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S**C
发帖数: 2964 | 19 Retailers do not get any cut, but they need to enable nfc, which may have
added cost. In addition, they have their own system in development, although
I do not see there is any future in their system which essentially cut out
banks. |
|
w********2
发帖数: 16371 | 20 mcx 自己折腾不出来，但逼着商家签约三年不能用竞争者的，所以当时签约的只好。自
己出来被人骂把nfc停了。 |
|
s**********d
发帖数: 36899 | 21 大部分好就行了。我是支持用户有更多选择的，他们想bypass credit card 而关掉其
它NFC是不可忍受的。
real |
|
t*******s
发帖数: 492 | 22 The nfc terminal doesn't really differentiate if the approaching card is a
physical card with a static chip or some sort of dynamic chip in a phone. It
can tell its Apple pay just because of the certain prefix of the code. But
this doesn't increase any risk or impose any extra trouble/cost for the
merchant.
The merchant can refuse to take $100 bill, it can be justified by the higher
risk of counterfeit note. Or refuse American Express, because they are not
in the network.
Or they can even refuse... 阅读全帖 |
|
s**********d
发帖数: 36899 | 23 no credit card company require NFC. next year they require chip card reader.
reduce
take |
|
t*******s
发帖数: 492 | 24 So, what exactly is this "chip raced reader"? Not nfc based?
reader. |
|
t*******s
发帖数: 492 | 25 I tried to use Apple pay at rite aid a few days ago, didn't go through. Then
use my nfc Citicard, it worked.
So, you don't even have the simplest fact right. Let alone your other holes
in your analysis.
at
If |
|
v****e
发帖数: 19471 | 26 Token reissue一下很容易，卡号要是compromise了你就得reissue card了。而且token
是device-specific, IC没有其他auth points，没法cross verify。
但我觉得Apple Pay的牛逼之处还是在方便和将来和各种loyalty program的整合上面。
IC这东西还是个plastic，被动存储的一个介质，属于上一代的form factor，要渐渐远
去的。明年你会看到各种基于HCE的NFC方案，到时候form factor的局面就会更明朗了
。对于业内的朋友们来讲，其实已经特别明朗啦。 |
|
S****M
发帖数: 2198 | 27 同意，这种颠覆业界的创新还非得Apple来做。不是Apple的话，跟银行肯定谈不成card
present rate，也支持不了信用卡本身的reward category。看看Google wallet就知
道了，搞了那么久，CVS也没见紧张地关NFC终端，Apple Pay刚出来就赶紧关了，可见
Apple的影响力。
token |
|
