With Apple’s Support,Who Can Stop NFC?

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The new iPhone 6 and iPhone 6 plus in addition to the emerging apple Watch did not win too much applause following their debut. Some people are saddened by the fact that Apple seems to be less innovative in the gadget design and is no longer able to bring the world surprising joys.

In spite of this， the launching conference of Apple’s new products on September 11 is not full of disappointment. Actually， the historical high number of orders for iPhone 6 and iPhone 6 plus proves that the gadgets are not a disappointment at all C at least for consumers. But what impressed people most in the launching conference is the Apply Pay， which adds the nfc-based mobile payment to the functions of Apple’s devices.

It is widely believed that this new payment pattern will bring about certain impact to the traditional payment method and open up a new age of mobile payment.

Speaking of the NFC， many people are still not familiar with that term. With the full name “near field communication”， this is a wireless communication technology allowing the information and data to be transmitted between two difference devices. With that technology， users could turn their smartphones into credit card， public transportation card and shopping card C the payment would be done with swinging the mobile phones across the sensory area.

It is known Apple’s Apple Pay is easy to use. Users only need to get their iPhone close to the card reader while pressing their fingers onto the Touch ID to finish the payment. When the payment is done， the mobile phone will vibrate slightly to remind users of the successful payment.

Cook： “It’s Time to Replace Your Purse with Apple Pay”

Apple is always quite cautious in moving into a new field. Before entering the mobile payment market， what prepara- tions have they made？

In the launching conference， Apple spent a lot of time introducing and explaining the Apple Pay system， which consists of NFC， Touch ID， secure element and passbook. With the built-in NFC function in combination with the Touch ID， users could bind their credit cards with iPhone to realize the safe， convenient and fast mobile payment.

Every payment through Apple Pay uses dynamic and onetime payment code and the sensitive data of users is stored in the safety mechanism of “Secure Element”. Cook said that Apple Pay would not supply users with the information like users’ credit card number. Meanwhile， Apple won’t keep the payment records， basically freeing users of the safety problems when using Apple Pay.

Presently， Apply Pay has reached the cooperation with American Express， JP Morgan， Citibank， Bank of America， Visa and Master Card in the U.S. In this country， there are 220 thousand retail outlets supporting Apple Pay， including the restaurants of McDonald’s， Subway， as well as the outlets of chain store Bloomingdale and drug store Walgreens. As Cook had introduced， 80% of the checkout counters in the U.S. are expected to embrace Apple Pay too， allowing users to get to the services of Apple Store， Uber and MLB there.

Apple Pay initiated its service in the U.S. and several other countries. Apple says it is striving to spread Apple Pay to more countries and consumers.

The Looming Reform

Forrester Research once pointed out that the U.S. mobile payment market was going to increase from US$12.8 billion in 2012 to US$90 billion in 2017. In addition， a research company called ABI says that the size of NFC in the world will hit US$191 billion by 2017. The mobile payment market has such a large development space. Can Apple raise a new reform in this sector？

Set in the dramatic development of the mobile Internet， the mobile payment is undeniably the future trend of payment. Though Apple is not the first company into that field， it could be called the most influential player in that field. Some admirers of Apple say that Apple’s entry into one sector will be followed by many other players.

Nobody doubts that the entry of enterprises like Apple into the mobile payment has already further expanded the scope of NFC and added new scenes where it can be used. In the future there will be more enterprises attaching importance to the NFC payment solutions. This payment pattern which could be finished with a simple touch could be understood， accepted and favored by the consumers， thusly boosting the development of the mobile payment market. However， the traditional payment method that is deep-rooted in people’s mind is hard to be replaced. Apple still needs a long way to go to get the fast development of mobile payment.

Experts believe that it is the right time for Apple to get into the mobile payment industry. Now the development of mobile payment has reached a critical point： many business sites need to change their old and outdated cashiers. Apple， with its high popularity and market share， will penetrate into the mobile payment market very quickly. Actually， someone even expects that Apple would change human’s payment habit with Apple Pay like it once did to the mobile phone industry with iPhone.

But the task is not so easy to be realized. Despite its strangeness， the NFC is not a state-of-art technology. Early in 2006， Nokia launched the first NFC mobile phone. In 2010， Google enlisted the NFC agreement into Android. One year later， the search engine giant worked with wireless communication partner to launch the mobile wallet， allowing users with certain smartphones to make the payment for shopping， dinner and taxi with a simple swing of the mobile phone. However， this innovative technology had not won much approval from consumers and did not stir up the market as expected by Google.

Apple’s long-term rival Samsung also got involved in the NFC sector as well. At the beginning of September， Samsung held a press conference to launch its latest flagship smartphone. In the conference the South Korean company announced its cooperation with China UnionPay to launch the mobile payment services based on the safety chips. Users could use three Samsung’s smartphones， including the new member Galaxy Note 4 to download an app from China UnionPay to turn their smartphones into a credit card. In addition， Huawei worked with Alipay to promote its own mobile payment tools.

The rising NFC is like a giant magnet which attracts banks， telecom operators and mobile phone manufacturers. A group of data from HIS could better prove this point. In 2012， the shipment of mobile phones with NFC function reached only 120 million units. In 2013 the number doubled to 275 million units. The number is expected to increase to 416 million in 2014. In addition， among the 10 million POS terminals， there are over 3 million units with the NFC function.

Not long before the initiation of iPhone 6， China’s Industrial Bank worked with China Unicom to launch the “mobile phone wallet” which could be used on every POS terminal of China UnionPay with the logo of “flash pay”. Other banks in are going to launch the similar functions as well.