Apple pay formally launched mobile payment theme fund or opportunity 辽宁科技学院教务在线

Apple Pay officially launched mobile payment theme fund or opportunity, a reporter Zhu Xianjia caused by Apple Pay mobile payment war is quietly kicked off. Guangdong Development Bank and China Construction Bank announced that WeChat, the day before, Apple Pay18 officially launched at 5 pm. 19 banks, including four big banks, announced their support for Apple Pay. In the second half of the year, Apple will focus on promoting NFC in China, Hongkong, Singapore and spain. In the Internet field frequency won international awards in Beijing Han Si Shun Technology Co. Ltd. CEO Hanzhao Zhengbao told reporters on the "Apple Pay is likely in the domestic banking support, rapidly changing the rules of the game, stir the mobile phone payment pattern." Many agencies pointed out that Apple’s NFC model will make mobile payment ecological puzzle increasingly perfect, and ahead of the layout of the theme fund upstream and downstream is expected to usher in harvest period. Apple Pay and WeChat, Alipay, the biggest difference is that the payment through NFC technology, as long as Apple products terminal near POS UnionPay flash pay terminal cloud, and fingerprint verification to complete the payment, then they need to open APP. At present, online payment is almost monopolized by Alipay, Alipay and WeChat mobile payment is divided. Later Apple showed the "win-win" strategy to weight. Public reports show that Apple uses the "Tokenization" technology, the bank card information into a string (Token) exists in the mobile phone. When the payment is made, the mobile phone is sent back to the bank through the Token into a random Token and a group of dynamic security codes. The bank then returns it to the bank card through the Token service to return the authorization to complete the payment. This process does not touch the interests of either party in the traditional payment system. Previously, WeChat and Alipay’s mode of payment from the acquirers, transfer mechanism, the issuing bank, so long Chinese UnionPay and the banks lack the sense of presence, the Apple Corp through the unique technology, get win-win situation. In recent years, the domestic mobile payment scale explosive growth, in 2014 and 2015 respectively increased by 141%, 78%, the scale of 2 trillion and 941 billion 240 million yuan, 5 trillion and 257 billion 60 million yuan. "Apple brings new NFC technology, not only will change the rules of the game industry, but also promote mobile terminal manufacturers competing to develop mobile payment services, and promote the industry into the iteration period." Gao pointed out. By means of NFC payment, the equipment can exchange information wirelessly in a short distance. Industry analysts pointed out that, for the existing mobile payment model, Apple Pay may not only impact the existing payment standards of the third party payment enterprises, but also the third party payment enterprises may be faced with the risk of being replaced by a large number of Apple Pay. Sichuan securities analysis pointed out that the number of payment settlement accounts already have a considerable scale, bank card permeability close to 50%, with the increasingly rich payment scene, the third party payment market potential is huge. Most institutions pointed out that long-term optimistic about the third party payment and mobile payment theory

Apple Pay正式上线 移动支付主题基金或迎机会   ⊙记者 朱贤佳   一场由Apple Pay引发的移动支付大战正悄然拉开序幕。广发银行和建设银行微信公号日前宣称,Apple Pay18日凌晨5点正式上线。包括四大行在内的19家银行均宣布支持Apple Pay。   下半年,苹果将在中国香港、新加坡和西班牙集中推广NFC模式。在互联网领域频获国际大奖的北京瀚思安信科技有限公司CEO高瀚昭对上证报记者表示,“Apple Pay很可能在国内银行支持下,迅速改变游戏规则,搅动手机支付格局。”多家机构指出,苹果带来的NFC模式将令移动支付生态拼图日益完善,而提前布局上下游的主题基金有望迎来收获期。   Apple Pay与微信、支付宝最大的不同在于通过NFC技术进行支付,即只要将苹果终端产品靠近银联云闪付的POS终端,同时验证指纹即可完成支付,而后两者需打开APP。   目前,线上支付几乎被支付宝垄断,移动支付则被支付宝和微信瓜分。后来者苹果亮出“共赢”的砝码,企图后发制人。公开报道显示,苹果利用“Tokenization”技术,将银行卡信息转化成一个字符串(Token)存在手机中。支付时手机就通过该Token再生成一个随机Token和一组动态安全码发给银行,银行再通过Token服务将其还原成银行卡从而回传授权完成支付。这一过程并不触及传统支付体系中任何一方利益。此前,微信和支付宝的支付模式脱离了收单方、转接机构、发卡行,因此长期以来中国银联和各大银行缺乏存在感,苹果公司通过独特的技术,获得多方共赢。   近年来,国内移动支付规模爆发式增长,2014年、2015年分别增长141%、78%,规模为29412.40亿元、52570.60亿元。“苹果这次带来全新的NFC技术,不仅会改变行业游戏规则,更会促动手机终端厂商竞相发展移动支付业务,推动行业进入迭代期。”高瀚昭指出。   利用NFC近端支付手段,设备之间可以在很短的距离内进行无线交换信息。业内分析人士指出,对现有手机支付模式,Apple Pay不但可能冲击第三方支付企业已有的支付标准,而且第三方支付企业可能面临被Apple Pay大量替代的风险。川财证券分析指出,支付结算账户数量已具相当规模,银行卡渗透率接近50% ,随着支付场景日益丰富,第三方支付市场潜力巨大。   多数机构指出,长期看好第三方支付和移动支付相关行业发展,重点关注产业融合和支付技术革新,相关题材基金后期有望崛起。   据记者梳理2015年四季报,公募基金埋伏“手机支付”全产业链的成功案例不在少数。   2015年四季报显示,偏股基金前二十大重仓股有八席信息技术股,前五十大重仓股中超过二十席为信息技术股,凸显基金行业对新经济的重视。数据显示,信息技术行业也为持有它的投资者给予“慷慨回报”。   据数据,2015年四季度手机支付概念股涨势如虹——新国都上涨59.5%、恒宝股份涨53%、证通电子涨67%,上涨幅度比同期其他基金重仓银行消费类股的几乎要高出5-10倍,这无疑体现精选策略紧贴科技趋势的重要性。   信息技术在过去一个季度为基金带来不菲的收益。去年业绩冠军易方达新兴成长,前十大持仓股多为信息技术,这前十大重仓股去年四季度平均涨幅接近100%。另一个同样业绩靠前的基金中邮新兴,前十大重仓股也同样重点布局信息技术。进入前十名的石基信息四季度收益为80.67%,顺网科技也斩获了130%的季度收益。   东吴证券分析师认为,在人口红利、流动性红利之外,科技红利仍然是值得期待的社会推动力。目前来看,今年计算机行业大概率是震荡分化行情,IT领域全球两大革命云计算和互联网大数据对产业的推动趋势不变,技术红利值得期待。 新浪声明:此消息系转载自新浪合作媒体,新浪网登载此文出于传递更多信息之目的,并不意味着赞同其观点或证实其描述。文章内容仅供参考,不构成投资建议。投资者据此操作,风险自担。 进入【新浪财经股吧】讨论相关的主题文章: