Japan is a developed country of mobile payment.Since the age of feature phones, non -contact payments and membership services based on "FeliCa" have been provided.Even if it becomes a smartphone, the service of "Osaifu -Keitai" is familiar due to the use of public transportation and a small amount of payment.In particular, the readers of this magazine seem to have a relatively high usage rate.
Nevertheless, Japan still has a strong trend in cash.Of the Osaifu -Keitai, transportation services such as Suica and prepaid services such as Rakuten Edy, WAON, and nanaco are used.On the other hand, there are services such as ID and QuicPay as a post -pay type that is treated as a credit.In the latter, the upper limit of the credit payment amount is also narrowed down, and due to its mechanism, Osaifu -Keitai is provided as a "small settlement" means on the extension of cash.
Looking at Europe and the United States, the United States, the birthplace of credit cards, and the European regions are clearly a card society. An extreme story, for example, there is no resistance to presenting a card even for about $ 5 payments. It was a mature service only for familiar ones. Nevertheless, card payment, which is a credit settlement, is a target of crime, and there is an unauthorized use, such as skimming magnetic cards and stealing card information registered in web services, etc., and always deals with that. I have been holding it as. In the EU area, the IC chip to the card is required early, and in face -to -face settlement, we have improved security, such as seeking entering a PIN. The number of Japanese cards with IC chips is also increasing, and the number of cases where the input of a PIN instead of the signature is required when used is increasing.
In the United States, on the other hand, it can be said that he has been backwards in terms of security because he was a developed country.Older cards with only magnetic stripes that do not have an IC chip are overflowing in the market.The settlement terminals were gradually switched to IC chips and NFC -mounted ones according to the update, but the card itself was not compatible, so it was not so advanced.When traveling to the United States and using a credit card, there are some people who have been asked to present a passport.That is a security that confirms that you are the card owner to prevent unauthorized use.
In the United States, there was a big move to improve security.In 2014, President Obama signed a bill, and after October 2015, it was required to make card payments in face -to -face sales at stores with an IC chip card called EMV.Until now, banks and credit services have compensated for the damage in fraudulent use, but retailers will be responsible after the law enforcement.This will increase the momentum of the NFC Reader, along with the IC chip compatible with the update of POS and payment terminals on the store side.
While payment infrastructure is gradually adjusted, the IC chip does not suddenly grow on a card with only magnetic stripes overflowing in the market.In some cases, a card update switches to a card with an IC chip, but it will take more than a few years to switch everything.There are some parts that are not aggressive in terms of cost, and in fact, my debit card, which was created this March, was still an old type with magnetic stripes and card numbers embossed.
国内で発行されるデビットカードの1つ。EMV方式に対応したICチップが載っている。一方で従来のエンボスによる複写はすでに考慮されないため、カード番号や名義は印刷になっているここ最近のITカンファレンスやショーでよく見かけるノベルティ。スマートフォンに貼ってカード類を持ち歩くためのものだ。スマートフォンは使っていても、まだカードの電子化は一般的ではないことの証でもあるThere was room for Apple to enter here.It is an electronic Wallet service that changes the market full of existing magnetic stripes in the market into a type that can be settled with a more secure talk name.This is "Apple Pay".
Some people misunderstand that Apple Pay is a payment service, but more precisely is a "Wallet service".Apple does not issue a credit card/debit card.The cards issued by the affiliated banks and financial institutions are electronically stored in the iPhone, and the token of payment information called a talknazation and a Touch ID authentication.This makes card payment more secure.This is the mechanism of Apple Pay.
WWDC 2015の基調講演から。Apple PayはWalletサービスであり、複数の実体あるクレジットカード/デビットカードを電子的に収納するNFCマークのあるコンタクトレスの決済端末にiPhoneをタッチして、Touch IDによる本人認証を行ない、支払いを完了するトークナイゼーションに関わるインフラとして、従来の3社に加えて今秋から「DISCOVER」が加わる。これらのクレジットサービスと提携してApple Payは提供されるCredit services such as affiliated American Exprs, MasterCard, and VISA have been built for the actual infrastructure of the talknazation.Apple Pay uses this infrastructure to achieve non -contact payment methods by NFC in face -to -face payments.The name of Apple Pay is easy to understand for users, but the background uses these credit services Express Pay, Paypass, and Pay Wave.
There is a transaction fee in card payment.This fee will be the benefit of issued banks and credit services.In general, retail stores cannot pass this fee to the selling price, so in order to introduce card payments, it is necessary to balance the increase in sales that can be expected by introduction.This is why there is a reluctant retailer in the introduction of cards.
オースチンで開催されたSXSWにおけるCapital Oneのカンファレンスから。Apple PayによりAppleは、決済総額の0.15%を手数料として得ることになるApple Pay also gets a transaction fee.Instead, the burden on retail stores will increase, but Apple will get some fees that have been shared between the issued bank and the credit service.Banks have declined profits, but we have decided that there is a merit in improving security by weighing the cost of compensation for unauthorized use.Apple's share is 0.15%of the total payment.If you have a $ 100 transaction, you will get a 15 cent fee.This is Apple's business model in Apple Pay.
In the actual operation, when registering a plastic type credit card/debit card in Apple Pay, a unique number different from these card numbers is generated for each terminal.This is made by a credit service via a server, and this number is stored in the secure element inside the iPhone.I can't even know this number on the Apple side.When trading, add a disposable security code to this once to complete the transaction with the credit service.This is a talk name.By stepping on this procedure on the Apple server and credit service side, the original credit card information is not stored on the retail store.Apple does not store individual payments and protects privacy.
"IPad Air 2" and "iPad Mini 3" are also Apple Pay -compatible devices.Since NFC is not installed on these models, it is not possible to make contactless payments in face -to -face, but can store credit card/debit cards like the iPhone 6/6 Plus.As mentioned above, a talk name is performed, and Apple Pay can be used in the EC payment of the corresponding service.
walletサービスなので、対面ではないEC決済でもトークナイゼーションされたセキュアなカード情報で買い物が可能。Pinterestは新たに、Buyable Pinという販売サービスを導入したApple WatchもNFCを搭載してApple Payが利用できるデバイスの1つ。セキュリティは本体の暗証番号で、身に着けている時以外はロックがかかる仕組み。iPhoneのTouch IDに比べると、本人認証の部分は弱い