Google released a new Android M system at the I/O conference held on Friday, and brought Android Pay, the Android mobile payment service, which will debut with the official version of Android M later this year, with Apple Apple Pay. A higher level in the mobile payment market. Who can get better with Android Pay and Apple Pay? Xiaobian takes you to see.
Working methods and functions
Android Pay and Apple Pay are based on NFC chip and personal biometric (fingerprint recognition) technology to realize fast password-free payment operation. Users can make purchases by using a mobile phone to contact a supported POS machine, which can be seen on the mobile phone. Payment confirmation and transaction details.
Security Mechanism
Whether mobile payment is safe or not is the focus of users. In terms of security mechanism, Android Pay and Apple Pay use TokenizaTIon technology. This is a security technology that is currently popular with many financial institutions. It can replace the credit card number and transmit complex codes between devices over the wireless network. Since these codes can only be used once, the security is higher.
Compatible models
Compared to Apple Pay, which currently only supports iPhone 6 and iPhone 6 Plus models, Google Android Pay has a wider range of compatibility. According to Google, Android phones with Android 4.4 and above and NFC-enabled phones can use Android Pay, which means that most Android phones can use Android mobile payment except for some low-end models and cottages. .
Support merchants
At the Apple Spring New Product Launch Conference held on March 10 this year, Apple CEO Cook announced that there are more than 2,500 banks in the US supporting Apple Pay, accepting more than 700,000 online stores from Apple Pay, and every day. More merchants and apps are joining the ranks. Although Android Pay has not yet officially launched, according to Google's official, when the service is officially launched, there will be more than 700,000 merchants in the United States to provide support.
Possibility of entering China
Since the launch of last year, Apple Pay has been put on the “Agenda†in China, but the cooperation and negotiation between Apple and China UnionPay has not made substantial progress. Last month, Cook visited China for the sixth time and met with Apple Pay's potential partners in China to discuss specific issues. According to Cook, Apple Pay has made progress in China, but he did not disclose the specific time.
Like Apple Pay, Android Pay will face many obstacles in entering China. As we all know, most of Google's native services are not available in mainland China. For Android mobile phone users in China to use Android Pay, Google needs to negotiate with banks and merchants. At present, Chinese mobile phone manufacturers such as Huawei, Xiaomi and Meizu are also in the layout. Mobile payment services, so Android Pay seems to be more difficult than Apple Pay.
to sum up:
Through the above comparison, it can be known that Google's Android Pay and Apple's Apple Pay are almost exactly the same in terms of functions, operation methods, security mechanisms, etc. The biggest difference between the two is that the characteristics of the system, Apple is closed, Google is open, so Android Pay may be more widely available in the future for application and expansion, but Android fragmentation issues may also cause some trouble for Android Pay.
At the time, Apple Pay has the first opportunity, especially with the release of Apple Watch, Apple Pay's application range is further increased, and the operation mode is more diverse, and Android Pay is still in its infancy, in order to catch up with Apple Pay. It will take some time.
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