The annual MWC2016 Mobile World Congress is being held in Barcelona, ​​Spain. As one of the largest and most influential exhibitions in the global mobile communications industry, this event has always been regarded as the vane of the future development trend of the entire industry. Let us take a look today. There is the latest information in the field of mobile network payments.
VISA:
VISA has always been optimistic about the potential business opportunities for cars that can move online. According to research firm Gartner, by 2020, there will be 250 million mobile-enabled cars on the road. As the ability to access the Internet through the instrument panel continues to increase, VISA hopes to make the car a payment platform and tool like a smart phone or a traditional credit card.
Connected cars: Experience the latest fueling and parking methods in the car
VISA's concept app, launched in collaboration with Honda and ParkWhiz (a service provider for online reservations), allows drivers to pay for fuel and parking fees through the instrument panel in the car. When the car's gasoline is running out, it will prompt the driver to refuel and show the route to the nearest gas station. When the gas station is ready to refuel, the app calculates how much it will cost to fill up the oil. Finally, the user can complete the checkout by touching the instrument panel.
At the same time, with the help of Park Whiz's online booking system, the app can accurately calculate and pay for parking. The user only needs to click the instrument board to start the app before getting off the bus. After returning, he only needs to click again to automatically calculate the parking fee and pay.
Although the version on display is still in its infancy, Visa says this is one of their future efforts. “Since the idea of ​​car interconnection payment was proposed a year ago, we have made great progress today,†said Jim McCarthy, executive vice president of Visa. “The cooperation with Honda has brought us closer to the realization of automotive internet business. I believe that the car payment ecosystem will soon enter people's lives."
Online payment business development
At the conference, Visa also announced that Visa Checkout, its online payment service launched last year, will land in European countries and India this year.
Visa Checkout provides consumers with a simple and secure online payment method. By registering with Visa Checkout, users can add transaction information such as credit card and delivery address. At the end of the purchase, they can complete the payment by logging in to their VISA Checkout, and all sensitive transaction information will be retained in the VISA system. The safety and convenience have been greatly improved.
MasterCard:
New Authentication Payment - Selfie Pay (Selfie Pay)
At this conference, Master Card brought its latest research mobile payment identity service, the "self-portrait payment" face recognition payment service. The service will be launched in the UK shortly afterwards. Users can verify their identity by fingerprint scanning or self-photographing. No need to input personal identification number, password or authentication code. Self-timer photos will be compared with the stored image files.
It is reported that MasterCard has tested the self-portrait payment function in the United States and the Netherlands and is very popular among consumers. The company plans to expand the service to 14 other countries this summer.
In addition to face recognition payments, MasterCard is also developing how to use smart phones or other wearable devices for identity authentication, such as using a networked wristband to measure the user's heart rate for credit card transaction authentication. MasterCard revealed that the company is working with WISeKey (Innovative Network Security Technology) to develop new mobile payment methods that can be used for more wearable devices, such as clothing and handbags.
MasterCard's IQ Series Credit Card Payment Security Upgrade
According to Javelin's data survey, at least one of every six MasterCard users has been denied access and locked because of suspected fraud, and 32% of these users said that if they encounter unwarranted business The card and lock card, they will give up this consumption. The amount of MasterCard’s annual credit card transactions being rejected by mistakes is as high as $118 billion, which is 12 times higher than the annual fraudulent card transactions. MasterCard has been looking for effective solutions to avoid the rejection of real card transactions, which is the purpose of MasterCard's IQ Series development - to identify and eliminate fraudulent transactions through more effective real-time information tracking, reducing the number of transaction fraud.
The IQ series now includes two core technologies: AuthorizaTIon IQ and Assurance IQ. AuthorizaTIon IQ will judge the normality of current consumption based on the recent 12 months of consumer behavior analysis of the account when it is consumed. Assurance IQ can effectively prevent the rejection of transactions due to insufficient transaction information received by the bank. MasterCard said that many of the transactions were rejected because of insufficient information about the valid information (such as IP address) received by the issuing bank during the transaction. Assurance IQ can effectively solve such problems - merchants can pass all transaction-related information to MasterCard through the API (Application Programming Interface), and then MasterCard will transmit the information integration mark to the issuing bank.
PayPal:
Third-party cooperation: Accelerate its penetration in the mobile digital payment space through close cooperation with third-party companies
“We are committed to giving people a more flexible and diverse approach to wealth management. We believe that the future financial environment should be safer, more seamless and more capable.†Dan Schulman (PayPal CEO), “Future business financial services will happen. Great changes, and mobile phones are at the heart of this evolution.†This is where PayPal chooses Vodafone (one of the world's largest mobile communication network companies) and Americas Communications (América Móvil: the largest mobile telecommunications supply in Latin America) Reason) Through this partnership, Vodafone and Vodafone users can make NFC payments in stores, restaurants and some retail stores through PayPal accounts.
NFC full access
PayPal announced that the latest Android version of the app will support NFC payment. Dan Schulman said that PayPal users in the US and Australia will be able to use the NFC payment function through the app this spring. Like many other payment companies, PayPal believes that with the support of more and more technology giants such as Apple and Google, NFC payment will be the most important mobile payment method in the future. The access of NFC payment means that PayPal realizes the comprehensive unification of offline payment and online payment.
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