For users in China, mobile payment is actually nothing new. Grab the red envelope and Alipay to complete the user enlightenment early. But the difference between the two is that Apple Pay is just a payment service built by Apple, which links banks, stores and users, but it doesn't store money in its own place like Alipay.
part I: preparation stage
which devices can use Apple Pay?
apple has imposed double restrictions on devices and systems, both of which must meet the requirements before apple can pay.
Equipment requirements, in short, iPhone 6 or newer mobile phone, tablet after iPad Air 2 and mini 3, and Apple Watch are required.
specific models: iPhone 6, iPhone 6 Plus, iPhone 6s, iphone6s plus; iPad Air 2，iPad mini 3，iPad mini 4，iPad Pro； And Apple Watch.
if you want to experience Apple Pay perfectly, you'd better not be too old.
in a special case, if you are still using an old model like iPhone 5, because it doesn't have NFC function, you can also pay with an Apple Watch on your watch. Not older than iPhone 5, they can't be paired with Apple Watch.
how about parallel mobile phones?
yes, it is normal for us to use the Hong Kong version of iPhone 6 and the US version of iPhone 6s to bind the card.
are there any requirements for the iOS system?
the p>iPhone or iPad must be upgraded to iOS 9.2 at least, and the watch should be at least watch OS 2.1.
how to bind the card?
unlike AliPay, Apple Pay just turns a bunch of physical credit cards into virtual cards and stores them in the mobile phone, which is the biggest difference between them.
in the "Wallet" application that comes with the system, then click the ⊕ symbol in the upper right corner to enter the card binding program. You can identify the card by tapping it with the camera. If the card is worn and unrecognizable, you can enter it manually or bind it through iTunes. After that, the bank will send a SMS confirmation code, and the operation steps are basically the next step.
The bound cards will appear in the Wallet application
btw: On the morning of 18th, Apple started to promote the Apple Pay service option (wallet application, not iOS system upgrade), but because there are so many iPhone in China, users may receive them in batches, so don't worry. The first day may be because the user failed to bind more cards, so it will be fine later.
can my bank card support Apple Pay?
when it was launched today, the first batch of 12 banks already supported Apple Pay, namely: China Agricultural Bank, China Bank, Shanghai Bank, China Construction Bank, China CITIC Bank, China Merchants Bank, Minsheng Bank, Guangfa Bank, China Industrial and Commercial Bank, Industrial Bank, China Postal Savings Bank and Shanghai Pudong Development Bank.
at present, we have tried to support bank debit cards and credit cards.
after that, there will be seven more: Ping An Bank, China Everbright Bank, Guangzhou Bank, Huaxia Bank, Bank of Ningbo, Bank of Communications and Bank of Beijing.
however, in addition to the above parts, the single currency card marked with visa or master can't be bound to Apple Pay yet.
in the United States, Britain, Australia, Canada and other countries where Apple Pay has been launched, there are more banks to support it. See Apple official website for a detailed list.
19 banks supported by Apple Pay in China
Can someone else's card be tied to my Apple Pay?
yes. As long as there is a verification code and you can receive a verification message from the bank.
part ii where can I use Apple Pay?
which stores can pay for apple? Is the bus okay?
In Chinese mainland, offline stores such as KFC, McDonald's and 711 convenience store can check out with Apple Pay at present, and Apple said that it will increase in the future. It is not good to brush the bus. The settlement system of one card and UnionPay are two different things.
because Apple Pay is compatible with unionpay flash payment, you can basically use it wherever you see flash payment.
Apple Pay is realized through UnionPay flash payment, so the logos are usually put together
Buy coffee with Apple Pay
The offline stores that have been supported today are: Apple Store Retail Store, OK Convenience Store, Burger King, Pacific Coffee, Lane Crawford, 7-11 (Beijing), KFC (Beijing), McDonald's, Carrefour, Haode Convenience Store, Wuyuan Supermarket, Wanning Supermarket.
In the future, familymart, Kedi Convenience Store (Shanghai), Costa (Southern District), Joy City (Shanghai) and Godiva Chocolate will also be supported.
Apple's ambition is not only offline stores, but also e-commerce, so Apple Pay also supports in-app payment.
what does p>App payment mean?
In-store payment is easier to understand. In the past, I used to buy instant noodles in 711, but now I just need to brush my mobile phone or watch.
As for in-App payment, in the past, buying movie tickets in Cat's Eye movies needed to jump to Alipay for checkout. Now, clicking "Pay" in the app can pop up Apple Pay. Compared with Alipay, it doesn't need to jump to other apps, and the experience is smoother.
the iPad only supports in-app payment, and it is estimated that Apple also understands that it would be silly to take out an iPad to check out at 711 (/t д t)/
The devices and payment scenarios that currently support Apple Pay
At present, the following apps can support Apple Pay after being updated: Vipshop, Dangdang, Life, Jumeiyoupin, Meituan, Public Comment, Enjoy, Ctrip Travel, where to go?
other applications that have been confirmed to support Apple Pay are: JD.COM Mall, Netease Koala Haitao and Weibo Pay.
this morning, a large number of application updates supported Apple Pay
Part III Apple Pay in Action
What was the actual experience of Apple Pay?
Apple described it as "you don't have to rummage around for your wallet, and you don't have to waste time looking for the right card"
Before we used Alipay to pay the bill, at least we needed to: light the phone-unlock it-enter the application-click the payment-enter the password (or fingerprint)-confirm the payment.
Apple Pay will be much simpler: just touch the card reader on your phone and enter your password (or fingerprint).
Apple Pay can also use mobile phones without Internet
Most users don't (and don't need) to delve into their principles, but simply and rudely measure their convenience. In this regard, Apple Pay is qualified. When it comes to its shortcomings, compared with Alipay, Apple Pay has a hardware threshold. At least you need an iPhone, and it can't be too old. Android phones can't be used for Apple Pay, no matter how advanced they are ... < P > Our deep feelings in Pacific Coffee, KFC and Apple stores are that it is very fast. In the environment that supports Apple Pay, the mobile phone is basically placed next to the card machine to complete the payment in 2-3 seconds.
this reminds me of the scene when I opened the door with Apple Watch in a hotel last year. It will be very novel and exciting for the first time. After getting used to it, I basically don't need to bring my room card.
When this novelty is integrated into life, the sense of ritual disappears when it is used for the first time, which is probably the long-term vision of Apple Pay mentioned by Cook before.
can apple watch be paid without mobile phone?
yes.
Apple Watch is completely independent when paying, and it can be paid on the move even if it is not connected to the iPhone. Binding a credit card on the iPhone in advance can realize the legendary "meter payment".
Pay by swiping the watch
Double-click the button on the side of the watch, select the credit card or debit card to use, and then aim the watch dial at the payment terminal. Apple Watch will vibrate slightly, and the check mark will appear on the screen, indicating that the payment is successful.
actually, I have been looking forward to this applicable scenario: I only take my Apple Watch out for a run, and it can play music with a Bluetooth headset, so I brush my watch and buy a bottle of water when I am thirsty. Now it has finally come true.
does p>Apple Pay need a password?
this is divided into n kinds of situations.
1. If the debit card exceeds 3 yuan, you need to swipe your mobile phone before entering your password;
2. Credit cards are related to users. Many domestic users like to add a password to their credit cards without signing, so Apple Pay also needs a password.
3. Related to the QuickPass service of UnionPay, the limit without signature or password is 3 yuan RMB;
4. It's related to merchants. Some merchants need passwords and signatures even if they don't reach the 3 yuan quota.
will the phone case affect Apple Pay?
it is effective when the distance between the mobile phone and the watch is 2-3cm visually, and the conventional plastic or leather mobile phone case will not affect it. However, there are tens of millions of exotic mobile phone cases on Taobao, as long as there is no metal part blocking the surrounding area of the iPhone camera to affect NFC.
This part will do without cover
Apple's own mobile phone case is fine, including the Smart Battery Case. Although its appearance is often complained, it has not affected the NFC antenna.
will p>Apple Pay get points or something?
Apple turned the credit card into an electronic version and put it into the mobile phone. The benefits and points of the original credit card will not disappear. It turned out that a restaurant swiped a China Merchants Bank card for half price on Wednesday, but now it is also discounted to use Apple Pay to tie a China Merchants Bank card to pay the bill, and there will be points.
is there a handling fee for users?
no, apples are not accepted. If there is, it is also the annual fee charged by the credit card issuing bank.
can Apple Pay in China be used in other countries?
the cards of those 19 banks can be bound to Apple Pay, but whether they can be used after going abroad depends on foreign merchants, whose collection equipment should support unionpay and their stores should also support Apple Pay.
the fourth part is about security
is p>Apple Pay safe?
There is no 1% security in the world. It can only be said that Apple has taken security measures for the problems that can be thought of at present.
the card information is not stored in the iPhone, instead it is a variable token code, and the dynamic security code sent to the bank is different every time you buy something, and the key to all this is the Touch ID fingerprint device on the mobile phone, which has been verified by several generations of iphones.
Apple also emphasizes user privacy: it does not record any transaction behavior generated through Apple Pay, nor does it analyze user purchase behavior. And specifically mentioned: "This is the biggest difference between Apple and other competitors."
Apple Pay technical process
will my mobile phone or watch be stolen if I lose it?
when p>Apple Pay binds a credit card, fingerprint identification must be enabled. if you lose your iPhone or iPad, you should first use Touch ID to protect it. Users can also remotely set it to "lost mode" through the "Find My iPhone" application or iCloud.com webpage, and Apple Pay will stop.
to use the Apple Pay page on a watch, you must first activate the lock password. if the Apple Watch is lost, you can log in to iCloud or cancel the payment authorization of the Apple Watch on your iPhone. As long as the virtual bank card number is revoked, even if Apple Watch is offline, the payment function will be terminated.
how is p>Apple Pay different from other vendors' payment services?
The integration of software and hardware+hardware encryption+sensor+payment service is a cliche, even if only Apple can make it at present. Although its rival Google also has Google Pay and so on, the different hardware and systems of various manufacturers (there are still many Android phone cores with version 4.x) lead to slow progress.
Another point is also reflected in the appeal. Any company can customize its own standards, but only with more users can it become an industry standard.
other manufacturers are trying to differentiate their competition in other ways. it is said that Samsung Pay supports MST technology, so merchants don't need to upgrade the cash register, and the user experience is similar to a magnetic card, which we will compare with apple after Samsung Pay goes online.
Part V Other Questions
What preferential promotion measures does Apple or the store have?
Apple officials didn't specifically emphasize this point, just saying that domestic cooperative banks have credit card discounts and Apple Pay will also have them; For Apple, this is actually a tricky way. You don't have to plan the preferential activities yourself. The bank will help.
how does apple compete with AliPay and wechat to promote money burning?
because of the existence of these two local tyrants in China, many people are not so optimistic about Apple Pay.
I asked this question when I interviewed Phil Schiller at the beginning of the year. He didn't comment on Alipay and other services, but only replied: "Apple always only pays attention to what it is doing and doesn't think too much about other people's actions."
In the face of the money-burning promotion and push team of Alipay and WeChat, Apple may not be able to put down its posture and do something similar. You can't imagine Captain Cook calling on Chinese aunts to take iPhone to the supermarket to grab discounted rice, but Ma Yun can.