How to open UnionPay cloud flash payment in 2018
Sihai network: domestic mobile payment has been occupied by most of Alipay and WeChat. A new term has appeared in the market recently. Do you know what UnionPay cloud flash payment is? How can UnionPay cloud flash payment be opened? Let's have a look.
What is UnionPay cloud flash payment?
Cloud flash payment is a payment shortcut. China UnionPay, together with more than 20 commercial banks, jointly released "cloud flash payment" in Beijing. Users only need to use mobile phones to complete payment on POS machines supporting UnionPay.
It is reported that there are only three steps to complete "cloud flash payment": first, you need to have an Android system mobile phone with NFC (near-field payment) function; second, the cardholder needs to generate a "stand-in card" of UnionPay card in the mobile banking app, that is, cloud flash payment card; finally, you can complete the payment by waving your mobile phone on the POS machine with UnionPay "flash payment" logo.
The first batch of commercial banks to release "cloud flash payment" has exceeded 20, including industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, construction bank, Bank of communications, China Merchants Bank, etc. Currently, cloud flash only supports Android phones, but it is revealed that it will be extended to iPhone users in the first quarter of next year.
According to Shi Wenchao, President of China UnionPay, "cloud flash payment" brings multiple security guarantees, such as dynamic key and cloud authentication, by virtue of innovative technology. It does not display the real card number when making payment, which can effectively protect the cardholder's privacy and payment sensitive information. "This kind of payment experience is more convenient, no need for mobile phone networking, no need to open the mobile banking app, as long as the screen is lit near the POS machine to complete the payment. '
How to open UnionPay cloud flash payment?
Cloud flash payment is very simple to open, but currently it can only be used on Android system. Introduce the conditions for cloud flash payment to open:
1. NFC enabled mobile phones are required;
2. Have the bank's credit card or debit card (see the bank's requirements for details);
3. The phone can be activated.
How to use UnionPay cloud flash payment?
1. First of all, we need to have a mobile phone with NFC function and Android system;
2. The cardholder needs to bind his / her own bank card in the mobile app of his / her bank to generate a cloud flash card, which is equivalent to the 'surrogate card' of the physical bank card;
3. Finally, in front of the POS machine with UnionPay 'flash payment' logo in the supermarket and shopping mall, after the cashier enters the payment limit, the consumer only needs to light up the mobile phone and gently place it near the POS machine, and input the password after a 'drop' to complete the whole payment process.
At present, UnionPay only supports Android mobile phones, which means that Apple mobile phone customers are currently unable to use this function.