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                            闪付派VS扫码派 Apple Pay能否搅动支付江湖

                            来源:北京青年报   2016/2/22 14:11:07
                            摘要:Apple Pay上周上线后,引起广泛关注。很多人将支付宝和微信支付拿出来与之对比

                            Apple PaySHANGZHOUSHANGXIANHOU,YINQIGUANGFANGUANZHU。HENDUORENJIANGZHIFUBAOHEWEIXINZHIFUNACHULAIYUZHIDUIBI。BEIJINGQINGNIANBAOJIZHEFAXIAN,MUQIANYIJINGCHUXIANLIANGZHONGGUANDIAN:YIZHONGSHI,YINLIANHEPINGGUODEHEZUOLAIDETAIWAN,XIAOFEIZHEXIGUANNIANXINGHENQIANG,SHANFUPAIHENNANHANDONGZHIFUBAOHEWEIXINZHIFUDEJIANGHUDIWEI;LINGYIPAIGUANDIANZERENWEI,CHULEPINGGUO,YINLIANYUNSHANFUHAIKEYIHESUOYOUDAIYOUNFCGONGNENGDESHOUJIHEZUO,WEILAIYINLIANBIJIANGZHONGHUIBAZHUWEIZHI,ZHIFUBAOHEWEIXINZHIFUDEZHIFUGONGNENGHUISHOUDAOYANZHONGCHONGJI。

                              Apple PayDESHANGXIAN,SHIFOUHUIRANGZHIFUBAOHEWEIXINZHIFUDEZHIFUGONGNENGSHOUDAOYANZHONGCHONGJI?YOUFENXISHIRENWEI,YINLIANCICILIANYINApple Pay、Samsung Pay,WUYISHIXIANGYAOLIANSHOUYINXING、SHOUJIGONGYINGSHANG,YINFCYIDONGZHIFULAIDUIKANGMUQIANZHULIUDEZHIFUBAO、WEIXINZHIFUDENGERWEIMAZHIFUTIXI。

                              闪付无须联网 黑客难破译更安全

                              SHIYONGApple PayDENGSHANFUFANGSHI,XIAOFEIZHEZHIXUBASHOUJIKAOJINZHICHINFCGONGNENGDEPOSJIJIKEWANCHENGXIAOFEI,ZAIZHIFUSHIBUXUYAODAKAIKEHUDUAN,YEBUYONGBIXULIANWANG。

                            对战牛牛   SUOWEINFC,JIJINJULIWUXIANTONGXUNJISHU,WOMENSHENGHUOZHONGJINGCHANGYONGDAODEGONGJIAOKA、MENJINKAQISHIDOUJIYUNFCJISHU,ERZHEIZHONGJISHUZAIYIDONGZHIFUDEYINGYONGMEIJIEJIUSHISHOUJIHEZHICHISHANFUGONGNENGDEPOSJI,QUBIEYUMUQIANCHANGJIANDESAOMAZHIFU。QUNIAN12YUE18RI,ZHONGGUOYINLIANJIUXUANBUHEPINGGUO、SANXINGZAIYIDONGZHIFULINGYUZHANKAIHEZUO。ZAICIYIQIAN,YINLIANTUICHULEZIJIDE“YUNSHANFU”。WULUNSHIGUOCHANDE“YUNSHANFU”,HAISHIJIYUQISHANGDEApple Pay、Samsung Pay,DOUSHUYUNFCZHIFUTIXI。

                            对战牛牛   HESAOERWEIMAXIANGBI,YOUYUNFCSHOUJICAIQUSEXINPIANYINGJIANJIAMIHERUANJIANJIAMIXIANGJIEHEDEFANGSHI,BUDAO0.1MIAODESHIJIANJIUKEYIWANCHENGIDYUMIYAODENGSHUJUCHUANDI,HEIKEZAIRUCIKUAISUJIAOHUANSHUJUDETIAOJIANXIAJIEHUOBINGPOYIWUXIANDIANXINHAODEJILVHENXIAO。CIWAI,NFCYAOQIUDETONGXINJULIJIAORFIDYAOJIN,YIBANZAI10LIMIDEJULINEI,YINCITADEANQUANXINGYEBIRFIDJINYIBUZENGQIANG,TONGSHIYEBIXIANZAIDEERWEIMAZHIFU、YINPINZHIFU、SHENGBOZHIFUYAOANQUANHENDUO。

                              BUGUO,ZHEIZHONGZHIFUFANGSHIDUIYUSHOUJIBANBENYOUYAOQIU:NFCZHIFUYAOQIUSHOUJIBIXUJUYOUNFCGONGNENG,ZHEIYIGONGNENGMUQIANZHUYAOYINGYONGZAIGEKUANSHOUJIDEZUIXINBANBENZHONG,BIRUPINGGUOSHOUJIJIUBIXUSHI6YISHANGDEBANBEN,ZHEIJIUYIWEIZHEBUSHAOLAOKUANSHOUJIDECHIYOURENWUFAXIANGSHOUZHEIYIGONGNENG。CIWAIBIXUZAIANZHUANGLENFCGONGNENGDEPOSJISHANGWANCHENG,SUIRANYINLIANZAIDALITUIGUANGJUYOUSHANFUBIAOZHIDEPOSJI,DANSHIPUJILVHAIMEIYOUNEIMEGAO。GENJUYANGXINGBUSHU,2017NIAN5YUEDI,QUANGUODEPOSJIJIBENDOUHUIYOUSHANFUGONGNENG。

                              Apple Pay或在大额消费领域显身手

                            对战牛牛   XIANGBIZHIXIA,ERWEIMAZHIFUDUISHOUJIMEIYOUYAOQIU:WULUNSHIZHIFUBAOHAISHIWEIXINZHIFU,ZHIYAOSHIZHINENGSHOUJIJIUKEYIXIAZAISHIYONG,YONGHUMEIYOUGENGXINSHOUJIBANBENDEYALI。

                              YINLVWANGFENXISHIHUAMINGRENWEI,ZAIYONGHUNIANXINGSHANG,YIZHIFUBAO、WEIXINWEIDAIBIAODEERWEIMAZHIFUWUYIZHANJULEQIANGPAOYOUSHI,ERQIEZHEIXIEDISANFANGZHIFUPINGTAICHULEXIANXIAERWEIMAZHIFUWAI,ZAISHENGHUOZHONGJIHUWUCHUBUZAI。YISHICHANGZHANYOULVDIYIDEZHIFUBAOWEILI,CHULEXIANXIAZHIFUWAI,TAHAINENGJIAONASHUIDIANFEI、DINGWAIMAI、HAIXINYONGKA、ZHUANZHANGHUIKUAN、GOUMAIHUOCHEPIAODENG,ERNFCZHIFUHAIJINJUXIANZAIDANYIDEXIANXIAZHIFU,YONGHUNIANXINGBUQIANG。

                              MUQIANLAIKAN,ZAIXIANXIADAEXIAOFEIZHONG,SHUAKAXIAOFEIRENGSHIDANGRENBURANGDEZHUJIAO,ZHIFUBAOCENGPILUDESHUJUXIANSHI,TAMENZAIXIANXIADEDINGWEIRENGSHIXIAOEXIAOFEI,YUYINLIANMEIYOUZHENGMIANCHONGTU。DUOJIAYINXINGBIAOSHI,DUIYUApple PayBANGDINGKADEXIAOFEIBUSHEXIANE,YUSHITIKADEEDUYIYANG,ZHEIJIUBIAOMING,YIDANSHOULIHUANJINGCHENGSHU,Apple PayWANQUANKEYIZAIDAEXIAOFEILINGYUDAXIANSHENSHOU。BEIQINGBAOJIZHEZHUYIDAO,Apple PayDESHOUPIHEZUOHUOBANJIUBAOKUOZHUMINGDEGAODUANJINGPINBAIHUOLIANKAFO。

                              Apple Pay补贴力度难敌BAT

                              YEYOUBUSHAOYENEIRENSHIRENWEI,SUIZHEWEILAIYINLIANZAIYIDONGZHIFULINGYUDEFALI,YIDONGZHIFUDEHUNZHANSHIDAIJIANGLAILIN,DANGEFANGDEZUIZHONGMUDEBUSHINISIWOWANG,ERSHIGONGTONGBAYIDONGZHIFUZHEIGEDANGAOZUODA,RANGXIAOFEIZHEDEDAOGENGDUOGENGHAODEZHIFUXUANZE。KEYIYULIAODESHI,BUGUANSHIERWEIMAZHIFUDEZHIFUBAO、WEIXINHAISHIYINLIANDESHANFU,DOUHUIJIADAZHIFUBUTIEDELIDU。YUESHIJINGZHENGJILIE,ZAQIANDELIDUJIUYUEDA,DANSHIMUQIANLAIKAN,YINLIANSHANFUDELIYILIANTIAOTAIZHANG,GEFANGDEFENRUNHAIBUDEZHIXIAO,ZAIZAQIANFANGMIANYINGGAIBURUBAT(BAIDU、ALI、TENGXUN)POLIDAXIAOLVGAO。

                              QUNIANSHUANG12DANGTIAN,ZHIFUBAOKOUBEIPINGTAITUICHUDE30WANSHANGJIA5ZHEYOUHUI(50YUANFENGDING),KUAISUXIYINLEQUANGUO2800WANRENCANYU,XIYINLEGENGDUO“DAYEDAMA”JIARUSAOMAZHIFU。WEIXINZHIFUZI12YUE10RIQI,LIANHELEQUANGUOJIN10WANJIASHANGHUMENDIANGONGTONGTUICHUSHUANG12YOUHUIHUODONG,FANWEIFUGAICHAOSHI、BIANLIDIAN、PINPAI、BAIHUO、SHANGQUAN、Shopping Mall、LINGSHIDIANDENG,QUANLIQIANGGONGXIANXIA。BAIDUQIANBAOYOUCHANGNIANFANXIANJIHUA,XIAOFEIZHETONGGUOBAIDUQIANBAODEMEIYIBIXIAOFEI,JUNKEYILIJIDEDAO1%QIDEXIANJINFANHAI。CANYUSHANGJIAYIDASHANGBAIWANJIA。

                            对战牛牛   YINLIANYEXUANZAILESHUANG12ZHEITIANZAIQUANGUOTUICHU“YINLIANYUNSHANFULEXIANGYIYUANGOU”HUODONG;CHIKARENDAISHANGJUBEIXIANGYINGGONGNENGDESHOUJI,JIKEKEZAIJIALEFU、MAIDANGLAO、QUCHENSHI、QUANJIA、COSTADENG25JIAQUANGUOLIANSUOJIXINGYEZHIMINGSHANGHUDESHANGWANGESHITIMENDIANXIANGSHOUDALIDUYINLIANZHUANSHUYOUHUI。DANSHI,DANGSHIXIANGDANGDUODEYONGHUDUIZHEIZHONGZHIFUFANGSHIHAISHIBUSHUXI。

                              Apple Pay涉及七方利益链条

                            对战牛牛   MIANDUIDISANFANGZHIFUDEZAQIANSHENGYAN,YOUYINXINGRENSHIBIAOSHI,BATDABASAQIAN,SHI“SHANFUPAI”WANBUQIDE,ERJINKAOSHANFUDEBIANJIE、ANQUANJIYINXINGXINYONG,DAMAMENBUHUIMAIZHANG。

                              ZAIApple PayDELIANTIAOZHONG,ZUIZHANGDESHEJILEQIFANG,FENBIEWEISHANGHU+DISANFANGZHIFU(TIGONGJIERUFUWU)+YINLIAN+FAKAYINXING+SHOUDANYINXING+PINGGUO+YONGHU。PINGGUOZHITIGONGZHIFUJISHU,YINLIANHEYINXINGTIGONGZHIFUJIEKOUHEQUDAO,DISANFANGZHIFUGONGSITIGONGSHANGHUDEJIERUFUWU。GENJUApple PayGONGBUDEHEZUOMINGDANXIANSHI,ZAISHOUPIHEZUOZHONG,CHULESHIYUJIAYINXINGWAI,HAIBAOKUOSHUJIADISANFANGZHIFUGONGSI。

                              ZHEIMEZHANGDELIYILIANTIAOZHONGBENSHENDEFENRUNXIEDIAODOUSHINANDIAN,SHIFOUNENGGOUDABITOURUZHENGQUYONGHUYESHIGEWENTI。BEISHAOQIANBUTIEGUANHUAILEDEZHONGGUOYONGHUSHIFOUYUANYISHEXIAOLIERXUANZEGENGANQUANGENGKUAIJIEDEPINGGUOZHIFU,HAIXUSHIMUYIDAI。

                            对战牛牛   JULEJIE,ZAIGUOWAI,Apple Pay DEYUANZESHIBURANGXIAOFEIZHECHENGDANRENHEFEIYONG,YEBURANGSHANGHUCHENGDANEWAIDEFEIYONG。

                              Apple Pay更符合监管要求

                              YOUYENEIRENSHITOULU,DUIYUZHIFUBAOHEWEIXINZHIFUZHEIYANGDESAOMAPAI,JIANGUANCENGZUIDANXINDESHIFENGXIANWENTI。SAOMAZHIFUSHIYONGDESHIDISANFANGZHIFUGONGSIDEXUNIZHANGHUTIXI,LIMIANKECUNFANGZIJIN,ZHIFUGONGSIFUZEZIJINXIANGYINXINGZHANGHUDIAODU。RUGUOXUNIZHANGHUDEZIJINCHITAIDA,JIANGUANCENGDANXINZIJINQUXIANGHEXIQIANDENGFANZUIXINGWEINANYIJIANKONG。YANGXINGZUIXINDEWANGLUOZHIFUYIJIANYESHIRANGDISANFANGZHIFUHUIGUIWANGLUOHEXIAOELIANGGEBENZHI,YUANYINJIUSHIBUFANGXINRANGQIXUNIZHANGHUZUODA。

                              ERYINXINGKAOLVDESHI,QIANDOURANGWEIXINHEZHIFUBAOZHUANZOULE,YIDANCHULEFENGXIAN,HAISHIYOUYINXINGCHENGDAN。YINWEISHIYINXINGFANGKAIZHANGHUJIEKOU。TONGSHI,ZHIFUBAOHEWEIXINDENGDISANFANGTONGGUOXIANXIADAMIANJIBUJUQIANGSHISHOUDANSHICHANG,SHIDEYINXINGBEISHOUCHONGJI,HAIQIANGLEYINXINGZIJIDESHOUDANSHICHANG。YINXINGLUOBUZHESHIJIDEHAOCHU。

                              XIANGBIZHIXIA,Apple PayDEBENZHIRENGRANSHIYINXINGKAZHIFU,YINXINGKAXINXIBINGBUCUNCHUYUSHOUJIZHONG,AppleSHEBEISHIDUISHITIYINXINGKADETIDAI,QIBENZHIRENGSHIYINXINGKA(HUOSHUOYINXINGZHANGHU)。CONGFAKAXING、SHOUDANJIGOU、KAZUZHILAIKAN,Apple PayMEIYOUCHUDONGGEFANGDELIYI,YINCINENGDEDAOJIANGUANCENG、YINLIANHEYINXINGDEYIZHIZHICHI。

                              ZAIYINXINGKANLAI,Apple PayKEYIBANGTAMENYOUXIAODIDUOHUIYIDONGZHIFUDESHICHANGFENE。MUQIAN,GEHEZUOYINXINGDOUWEIApple PaySHANGXIANTUICHUDALIANGYOUHUIHUODONG。ZHEIXIEHUODONGHESHENGSHIHAODADEMEITIXUANCHUANYIQI,NENGFOURANGXIAOFEIZHEFANGQISAOMADEXIGUAN,ZHUANTOUSHANFUDEHUIXIA,HAIXUYAOSHIRIGUANCHA。CIWAI,YENEIRENSHIYUJI,ALI、TENGXUN、BAIDUYIDINGHUIZHENDUISHANFUPAIXUNSUGAIJINCHANPIN,JIESHIYIDONGZHIFUDEDAXIZHIHUIYUELAIYUERENAO。(JIZHE CHENGJIE GONGTU/SHIJUEZHONGGUO)

                            关键字: Apple Pay 闪付派

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