Apple Pay vs Samsung Pay vs Android Pay: kufananitsa

Apple Pay vs Samsung Pay vs Android Pay: kufananitsa
Malipiro am'manja a Smartphone afika pomaliza mu 2015: Apple itayambitsa Apple Pay kumapeto kwa 2014, ntchitoyi idayamba kukokedwa mu 2015. Chakumapeto kwa chaka, mayina ena awiri akulu adafika pamalopo: Google idasinthiratu Wallet ndikubwezeretsanso dongosololi monga Android Pay, kenako, Samsung idakhazikitsa ntchito yake ya Samsung Pay.
Kodi njira yolipira foni yabwino kwambiri komanso yosavuta kugwiritsa ntchito ku United States masiku ano ndi iti?
Choyamba, tiyeni & apos; ziwonetsetse kuti onse Apple Pay ndi Android Pay amagwiritsa ntchito NFC kupititsa patsogolo zochitika, ndipo ntchito zonsezi zimafunikira malo ogwiritsira ntchito NFC. Maunyolo ambiri otchuka monga McDonalds, Subway, Walgreens, Duane Reade ndi Whole Foods Market amathandizira ma terminals awa, koma ena ngati Best Buy alibe nawo kulikonse, ndipo malo ogulitsira ang'onoang'ono atenga zaka kuti akweze malo awo omaliza.
M'malo amenewo, thandizo la Samsung Pay & apos la cholowa cha MST chimakhala chothandiza kwambiri: mumangoyika foni yanu pafupi ndi pomwe makhadi amasunthidwa, ndipo imatumiza chizindikiritso chomwe chimapangitsa kuti muzilipira foni yanu m'malo omwe Ogwiritsa ntchito Apple ndi Android Pay sangathe & apos; sangachite. Ngakhale pali malo ambiri omwe salola kulandila kwa NFC, malo ogulitsa opitilira 90% ku United States ali ndi malo amagetsi omwe amalandila Samsung Pay.
Ndiye, pali malipiro mkati mwa mapulogalamu. Pamene tikugula zinthu zambiri pa intaneti, zimatipulumutsa nthawi kuti tipeze kulipira kamodzi pamapulogalamu monga AirBnB ndi Target. Apple inali yoyamba kuwonjezera ndalama mu pulogalamu, ndipo imathandizira mapulogalamu ambiri kuphatikiza ena odziwika bwino (Best Buy, Starbucks, Dunkin Donuts, Etsy, Kickstarter, Uber, Target, Ticket Master kungotchulapo ochepa). Android Pay yangoyamba kumene kuthandizira zolipira mu pulogalamu, chifukwa chake mndandanda wamapulogalamu othandizidwa ulibe ena ofunikira, ndipo Samsung Pay sichithandizabe kulipira mkati mwa mapulogalamu konse.
Apple PaySamsung PayMalipiro a Android
Tsiku loyambaSeputembara, 2014Seputembara, 2015Seputembara, 2015
Mafoni othandizidwaiPhone 6, 6 Komanso
ndipo kenako
sankhani mapeto
Mafoni a Galaxy
mafoni onse a Android 4.4+
ndi NFC
Mayiko othandizidwaUS, UKUS, KoreaUS
Maiko akubweraChina - Q1 2016
Mayiko a EU - Q1 2016
UK - Ogasiti 2016
Spain, China - Q1 2016
Australia, Brazil, Singapore
Palibe deta
LembaniNFC yokhaNFC
Maginito (MST)
NFC yokha
Njira yachidule
kukhazikitsa
Iyamba zokha
mukakhala pafupi ndi terminal ya NFC
Yendetsani chala mmwamba
kuchokera pansi pazenera
Iyamba zokha
mukakhala pafupi ndi terminal ya NFC
Kodi imagwira ntchito ndi
malo amtundu?
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Kodi imagwira ntchito ndi
Mapeto a NFC?
Kodi imagwira ntchito ndi
Ma ATM?
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Kodi zimagwira ntchito
pogula mapulogalamu?
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Kusavuta kugwiritsa ntchito


Ndi iti mwa itatu mwa yosavuta kugwiritsa ntchito? Choyamba, tikuyenera kunena kuti Apple Pay ndi Android Pay zimangoyambitsa zokha mukamabweretsa foni yanu pafupi ndi malo ogwiritsira ntchito, ndipo ndikungodina kamodzi pa sikani zala kuti mulolere kulipira, mutha kutero. Samsung Pay ndiyosavuta kugwiritsa ntchito: mumasambira pansi pa chiwonetserochi kuti pulogalamuyi ikhale yamoyo, kenako ndikuvomereza zolipidwa ndi chosakira zala, koma ndi gawo lowonjezera lomwe limapangitsa kuti pang'onopang'ono.
Chomwe chingakhale chovuta kwambiri ndikuti pamapositi akale omwe amangolandira makhadi achikhalidwe (Samsung Pay imagwiranso ntchito kumeneko), osunga ndalama nthawi zambiri sawuzidwa kuti mutha kulipira pogwiritsa ntchito Samsung Pay. Izi zitha kubweretsa zokambirana zochepa, koma pokhapokha mutakumana ndi kalaliki wokwiya, izi siziyenera kukhala vuto.

Chitetezo


Ndikofunika kudziwa kuti kulipira ndi foni yanu ndikotetezedwa ndi ntchito zonse zitatuzi.
Mayankho onse atatuwa ndi otetezeka - Apple Pay vs Samsung Pay vs Android Pay: kufananitsaMayankho onse atatuwa ndi otetezeka Ngati mukulipira pa terminal yothandizidwa ndi NFC, ndikofunikira kudziwa kuti nambala yeniyeni yamakhadi siyisamutsidwa ndikukhala ndi mtendere wamumtima womwe owononga omwe sangakwanitse kuubera. Kugulitsa kumagwiritsa ntchitochizindikiro, zomwe zikutanthauza kuti m'malo mwa manambala enieni, zomwe & apos; zomwe zimafalikira pamlengalenga ndizoyimira zobisika. Mbali ina yofunika yachitetezo ndi Secure Element (SE). Ichi ndi chosiyana ndi chapadera mkati mwa foni. Ndi yapadera osati kokha chifukwa chakuti imadzipereka kulipira mafoni: ngakhale kapangidwe kake kake ndikotetezedwa ku ziwopsezo za hardware. Nthawi iliyonse yomwe wogwiritsa ntchito ayamba kugulitsa, SE imathandizira pakupanga nambala yogwiritsa ntchito nthawi imodzi koma manambala a makhadi.
Ndiye, pali zochitika za MST ndi Samsung Pay. Muyenera kudziwa kuti chitetezo pazogulitsa ndizosiyana ndi NFC. Kuti zochitika za MST zigwire ntchito, maginito oyika mkati mwa foni yanu ya Galaxy amayenda mafunde osinthana kudzera munjira yolowera ndipo amapanga maginito osunthika omwe amatha kuwerengera osachiritsika. Maginito enieniwa ali ndi zomwe mumalipira. Kodi izi ndi zotetezeka motani? Choyamba, izi zikuwoneka kwakanthawi kochepa kwambiri ndipo chachiwiri, zimangofalikira mtunda wa mainchesi atatu. Zinthu ziwirizi zimapangitsa kuti zikhale zovuta kulandira izi, koma kwa zina zonse, izi ndizotetezeka monga kugwiritsa ntchito kirediti kadi / kirediti kadi.

Mabanki ndi othandizira amanyamula


Ntchito zonse zitatuzi zimagwira ntchito ndi mabanki akuluakulu aku US komanso omwe amanyamula.
Choyamba, mbali yonyamula: Apple Pay, Samsung Pay ndi Android Pay ntchito ndi AT & T, Verizon Wireless, Sprint ndi T-Mobile. Kodi onyamula akuphatikizidwa bwanji pachithunzichi? Malingana ndi chidziwitso cha anthu onse, wonyamulirayo samapereka chida chilichonse chotsimikizira chitetezo cha mafoni (palibe tchipisi tokometsa pa SIM khadi, Secure Element imamangidwa pafoni palokha).
Nthawi yomweyo, komabe, banki yanu ili ndi chidziwitso chokhudza nambala yanu ya foni yolumikizidwa ndi foni yanu. Izi zikutanthauza kuti ngati wina mwanjira inayake atenga kirediti kadi yanu ya ngongole ndikuyamba kuigwiritsa ntchito kulipira kuchokera ku nambala ina, banki yanu idziwa kuti china chake sichili bwino. Izi zikuwonjezera chitetezo china, popeza ife & apos tawona atolankhani akunena kuti makhadi awo adayimitsidwa pomwe amayesa njira zolipira ndi mafoni osiyanasiyana. Banki idazindikira zodabwitsazi pamakhadiwo ndikuimitsa zolipira. Kuimbira kosavuta kumakweza khadi, koma ndikofunikira kudziwa kuti zotetezerazo zidzakhalapo.Apple Pay - Apple Pay vs Samsung Pay vs Android Pay: kufananitsa
Kenako, mutayang'ana mndandanda wamabanki othandizidwa, muwona kuti Apple Pay ili ndi mndandanda wawutali kwambiri, koma Samsung Pay ndi Android Pay zimathandizanso mabanki akuluakulu. Popeza mndandanda wamabankiwo ndiwotalika kwambiri, sitidzawatumizanso pano: mutha kuwona mabanki onse othandizidwa ndi Apple Pay apa , mwa Samsung Lipirani apa , ndipo pomaliza ndi Android Pay - apa .

Mapulogalamu ndi zida zothandizira


Nanga bwanji za mapulogalamu, mawonekedwe enieni opangira ndalama?
Apple Pay imabwera yomangidwa mu ma iPhones onse: mumangofunika kuwonjezera zambiri zanu zamakadi a kirediti / debit mu pulogalamu ya Wallet, ndipo nonse mwakonzedwa kuti mugwiritse ntchito Apple Pay. Mawonekedwewa adzawonekera mukangoyandikira malo olipirira a NFC, ndipo mumawaloleza ndi ID ya Kukhudza ndi matepi osavuta pabatani lanyumba. Apple Pay imagwira ntchito pa iPhone 6, 6s, komanso iPhone 6 Plus, ndi iPhone 6s Plus. Apple Pay ndichokhachoNjira yolipirira yomwe imagwira ntchito ndi zovala komanso Apple Watch makamaka (ngati muli ndi Watch, simuyenera kukhala ndi ma iPhone 6/6 aposachedwa, ndipo mutha kugwiritsa ntchito zolipira pa wotchi yanu ngakhale zitakhala pawiri ndi iPhone 5 ndi 5s).
Samsung Pay - Apple Pay vs Samsung Pay vs Android Pay: kufananitsaApple Pay
Samsung Pay ndi pulogalamu yaulere yomwe mumatsitsa ku Google Play Store. Kuti muyambe pulogalamuyi, mumasambira pansi pazenera, ndipo muwona makhadi onse omwe muli nawo. Mumasankha yomwe mukufuna kugwiritsa ntchito ndikuloleza kulipira ndi sikani yazala, zosavuta monga choncho. Ndikofunika kudziwa kuti Samsung Pay imagwira ntchito pamitundu yayikulu kwambiri ya Samsung: Galaxy S6, S6 Edge, S6 Active, Note 5 ndi S6 Edge +, koma kampaniyo yalonjeza kuti izibweretsa ku mafoni ake otsika mtengo ku 2016 .
Android Pay - Apple Pay vs Samsung Pay vs Android Pay: kufananitsaSamsung Pay
Android Pay, Komano, imakhala bwino pankhani yogwirizana: imathandizira mafoni onse omwe amayendetsa Android 4.4 KitKat (kapena pambuyo pake) ndikuwonetsa Chip ya NFC. Pulogalamuyi palokha ndi kutsitsa kwaulere ku Google Play Store, ndipo mawonekedwe ake amawoneka kuti ndi oyera kwambiri ndipo imagwiranso ntchito chimodzimodzi ndi enawo awiriwo.
Malipiro a Android

Mawu omaliza: Ndalama zolipirira mu 2016


Zaka ziwiri zapitazi zakhazikitsa njira yolipirira mafoni: mapulogalamuwa tsopano, onse omwe amanyamula komanso mabanki ambiri amawathandiza, koma chidutswa chimodzi chomwe chikusowa ndi ogulitsa. Mu 2016, tikuyembekeza kuti gawo lomalizirali lithe: ambiri ogulitsa ku US akuyembekezeka kuyambitsa malo atsopano a NFC ndipo ife & apos; tidzawona osunga ndalama akuzolowera anthu omwe amalipira ndi mafoni awo.
Malipiro apafoni pamapeto pake azilowa m'misika kunja kwa United States: mayiko ambiri aku Western Europe ali pamsewu wa ogulitsa mafoni a 2016.
Zomwezi zimagwiranso ntchito pazida: pomwe - kupatula Android Pay - zida zokhazokha zomaliza zomwe zimathandizira kulipira kwama foni, zida zotsika mtengo zimapeza chithandizo chazolipira. Izi zipitiliza kukulitsa kufikira kwa ndalama zolipirira anthu ambiri.
Ndipo ngakhale titakhala kuti tili ndi zikwama zathu ndi makhadi athu kumapeto kwa 2016, titha kukhala tikugwiritsa ntchito zocheperako.