Not only can you swipe your bus card, but the NFC on your phone can also do this

In recent years, with the vigorous development of smart phones, many new and refreshing features have emerged and become essential features in mobile phones, such as fingerprint recognition, Bluetooth, etc. However, in fact, there are also unpopular technologies like NFC, which have been tepid since its launch. However, in recent years, various manufacturers have been working hard to promote it. With OnePlus and Xiaomi starting to support bus card information, both are based on NFC technology. Let us take a look at the current status of NFC. NFC development history In fact, NFC is not a new technology. Its origin can be traced back to 2003. This is a wireless communication technology compatible with contactless card technology developed by Philips and Sony. At that time, the project was completed by Philips and Sony engineers in three months and the results were publicly announced. At that time, it was compatible with the current ISO14443 contactless card protocol wireless communication technology and was named NFC (Near Field Communication). At that time, in order to promote the development of NFC and the implementation and standardization of technology, Sony, Nokia and Philips jointly founded an association - NFC Forum. After these years of development, including later joined: foreign members Philips, LG, Motorola, NXP, NEC, Samsung, 4toam, Intel, and Chinese members Huawei, ZTE, China Mobile, Meizu, vivo, OPPO, Xiaomi, Shanghai Tongyao and other companies, the NFC Forum currently has hundreds of members worldwide. Bus card At present, NFC is widely used in daily life bus cards. In fact, the bus card we use daily is an NFC chip, so any mobile phone equipped with NFC function can read the bus card. Not only can you check the balance and consumption records of the bus card, but you can also recharge the new bus cards issued in recent years, eliminating the trouble of queuing at the recharge point. Even in some cities where NFC payment is opened for public transportation facilities, you can directly use your mobile phone to swipe the bus, and you don’t even need to bring the card. Among domestic manufacturers, such as Xiaomi, OnePlus, Nubia, Huawei and other manufacturers have NFC-enabled mobile phones, and have begun to support services such as recharging, querying, and swiping bus cards. Take Xiaomi as an example. After upgrading the system, you can open the Xiaomi wallet on the desktop, click on the bus card, select the city to open, and finally click on "Open Now" to recharge the bus card. In addition, Xiaomi has also launched a bus card migration function, which eliminates the tediousness of re-opening the card, and the balance in the card will be refunded. For Xiaomi phones that support NFC function, you can use Xiaomi NFC to swipe the card for bus query services. When the screen is on, you only need to stick the bus card on the back of the phone. If there is no other card reader software in the phone, Xiaomi's NFC swipe card will automatically pop up. After popping up, you can read the card number, balance, transaction records and other information. At the same time, this function is also applicable to bank card inquiries. For cities that have opened NFC payment, you can also use your phone to swipe the bus directly. Quick Pay Compared with the popular QR code scanning payment, NFC is more secure. It is not only non-replicable, but also does not obtain user private information. At the same time, in terms of mobile payment experience, NFC is similar to swiping the card, which is more convenient and easy to use than QR code. And as long as there is a place that supports UnionPay Quick Pay POS machine, you can simulate swiping the card, even in places without network. QuickPass refers to a mobile payment method that allows users to make small payments after depositing money on a financial IC card. QuickPass represents UnionPay's contactless payment products and applications. When purchasing goods, users confirm the corresponding consumption amount and use an IC card with the "QuickPass" function or UnionPay mobile payment software to complete the payment on a contactless payment terminal that supports QuickPass without a password, provided that the single consumption does not exceed 1,000 yuan. In addition, QuickPass products provide credit card repayment, convenient bill payment, online shopping and other services, which can be seen everywhere in our lives. Common NFC-based mobile payments on the market Apple Pay is a real killer for Apple to get involved in mobile payments. Apple Pay is based on NFC technology. Since its release on September 10, 2014, it has entered many countries and regions such as Australia, France, Canada, China, Russia, Switzerland, the United Kingdom, New Zealand, Singapore, Spain and Japan. All products after the iPhone 6 have NFC chips, so as long as they are upgraded to iOS 9.2, they can use the Apple Pay function for mobile payments. Video: Click here. Currently, all major banks in China support Apple Pay. You only need to add a bank card in the Wallet Apple of the iPhone device, open the Wallet App, and click the plus icon in the upper right corner. Enter the UnionPay savings card or credit card number information through the camera or manually. If it is a credit card, you need to enter the card validity period and the 3-digit security code on the back of the card, read the "Terms and Conditions" and select "Agree", and then enter the 6-digit verification code sent by the bank in the SMS to complete the activation. After the activation is completed, when making offline payments, you only need to bring the phone close to the POS machine with the "UnionPay Cloud Quick Pass" logo and use Apple's Touch ID to complete the payment. The most convenient thing is that when paying, even if the phone screen is not charged, as long as the phone is close to the POS machine and the finger is close to the fingerprint module, the payment can be completed instantly, which is very fast and easy. Of course, iOS devices such as iPads that do not have NFC function cannot support offline store purchases and payments with Apple Pay, but payments within the App can be used. Samsung Pay After Apple's Apple Pay, Samsung also brought Samsung Pay with richer usage scenarios. Unlike WeChat and Alipay in the current domestic mobile payment market, WeChat/Alipay is an electronic payment service conducted through the Internet, which can be understood as an electronic wallet with an independent savings or settlement unit. Users can freely transfer or withdraw balances. Therefore, compared with the traditional card payment system, WeChat/Alipay can settle directly with the bank, thereby bypassing UnionPay. Video: Click here The essence of Samsung Pay is actually the same as traditional bank card payment. However, Samsung Pay can electronically "store" our bank cards on the mobile phone, and can directly swipe the mobile phone to complete the payment. It is worth mentioning that Samsung Pay not only supports NFC-enabled POS machines, but also uses MST (magnetic signal secure transmission) technology, which can simulate MST magnetic stripe information and can also be used on old magnetic stripe POS, bringing a more efficient and convenient payment experience. Samsung Pay can bring a convenient "swipe card" payment experience through fingerprint recognition + Token verification, and mainly uses randomly encrypted Tokens to verify bank card information during the payment process. Neither merchants nor Samsung can know our bank card information. It is more secure than traditional card payment, but it is essentially the common card payment. For example, when using Samsung Pay to pay, credit cards can still earn points normally; while WeChat/Alipay's quick payment does not earn points for normal card payment. Huawei Pay is an NFC payment service brought about by Apple's Apple Pay. After that, UnionPay and Huawei jointly announced that they would jointly promote Huawei Pay services based on security chips on Huawei mobile devices. Huawei Pay, which is committed to providing more practical payment functions, also uses built-in payment cards and bank cards to bind to achieve the function of mobile phones replacing bank cards, and the security factor is also very high. Before use, you need to turn on the NFC function in the phone system settings to ensure that information can be exchanged smoothly. When using Huawei Pay, you can also automatically wake up the payment function without turning on the screen. You only need to press and hold the fingerprint for identity verification to complete the payment. The payment process is also quick and easy. And in terms of channel advantages, it is more extensive than Alipay and WeChat, because Huawei Pay secure payment can support all UnionPay's flash payment channels, covering a wide range of merchants. Summary: In addition to Apple, Samsung, and Huawei, domestic manufacturers such as Xiaomi and Meizu have launched services or mobile payment software based on NFC technology. Whether it is payment, identity verification or fast pairing, NFC is an essential function for future mobile phones. It should become a standard configuration of mobile phones like light sensors and fingerprint recognition. Various popular Pays are undoubtedly a breakthrough, giving more manufacturers a definite reason to promote the popularization of this function. From the perspective of payment alone, NFC's many features in terms of security, convenience and practicality have shown its huge advantages over the previous scanning methods, and have fundamentally changed the payment mode of our lives. The changes in paperless currency, new means of financial management, new promotion methods, and new shopping modes caused by this have just begun. At present, NFC technology is gradually expanding its scope. I believe that NFC will be popularized in a wider range of fields in the future and develop into a trend that will penetrate into people's lives.

As a winner of Toutiao's Qingyun Plan and Baijiahao's Bai+ Plan, the 2019 Baidu Digital Author of the Year, the Baijiahao's Most Popular Author in the Technology Field, the 2019 Sogou Technology and Culture Author, and the 2021 Baijiahao Quarterly Influential Creator, he has won many awards, including the 2013 Sohu Best Industry Media Person, the 2015 China New Media Entrepreneurship Competition Beijing Third Place, the 2015 Guangmang Experience Award, the 2015 China New Media Entrepreneurship Competition Finals Third Place, and the 2018 Baidu Dynamic Annual Powerful Celebrity.

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