Google Android Pay must know more: rely on NFC technology for high security

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Lead: At the I/O 2015 Developer Conference last Thursday, Google officially released Android Pay to enter the mobile payment space again. According to estimates, Android Pay will be available with Android M later this year.

In I/O 2015, Google did not disclose too much detail about Android Pay. However, if you are curious about how Android Pay works and security, or if you want to know the future of Google Wallet, then take a look at the details about Android Pay.

How does it work?

Like Apple Pay, Android Pay's payment also relies on Near Field Communication (NFC) technology, which means users will be able to use their mobile phones to access a supported POS machine for payment.

Pali Bhat, Google product management manager, wrote in a blog post: "When using Android Pay, you can unlock your phone as usual and place it near the merchant's contactless terminal. Android Pay will be responsible for it. All the heavy work. Next, you will see the payment confirmation and transaction details on your phone."

Android Pay also supports loyalty cards and coupons. In the live demo, vending machines can automatically recognize bonus points in Android Pay and use them to redeem free drinks.

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safety

Of course, safety is always the primary consideration when it comes to financial details. To ensure the security of Android Pay, Google has partnered with all major credit card companies and adopted a security standard called "tokenization." Apple's Apple Pay and many other payment platforms use this standard.

Ariel Bardin, vice president of product management for Google Payments, pointed out at the Android Pay Developers Conference: "Tokenization ensures that we don't store your credit card number on your phone, but store it on the network and get a secure storage The virtual account on the phone."

In other words, when you make a payment, your credit card number and other details are not actually exchanged with the payment terminal. It's worth noting that unlike Apple Pay, Android Pay doesn't rely on fingerprint authentication, so devices that don't have built-in fingerprint scanning can use Android Pay. However, Google said that after the official release of Android M, there will be more Android vendors to add fingerprint scanning capabilities to their devices.

Third party application

Android Pay is not limited to in-store use. Like Apple Pay, Android Pay also allows developers to make in-app payments through their own platforms. Supported apps will come with the "Buy with Android Pay" button, which allows for one-click purchases after clicking, and developers can take advantage of this feature through the Android Pay API.

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The future of Google Wallet

Perhaps, Google Wallet has been ignored by many people. But in fact, the founder of NFC payments is Google, which launched the Google Wallet service as early as 2011. Despite not succeeding in the market, Google Wallet still has its own core user base. With the advent of Android Pay, there will be a lot of redundancy in Google Wallet, and many people have doubts about the future development of Google Wallet.

Once the Android Pay mobile payment feature is launched later this year, Google will definitely plan to reposition the Google Wallet feature. The new version of Google Wallet will be released in a few months, and its features will be more focused on p2p payments, NFC payments and in-app purchases will be removed.

What is the next step?

Although we still don't know when Google will launch Android Pay, Google said that when the Android Pay service is launched later this year, more than 700,000 merchants across the US will support it. Due to the partnership with AT&T, Verizon and T-Mobile, the new mobile phones sold in the market will be pre-installed with Android Pay mobile payment system (currently Android 4.4 or above, and NFC-enabled mobile phones will support Android Pay function) ).

At the I/O Developers Conference, Google also presented a curious experimental payment application called "Hands Free." This app allows users to trade without touching their phone or POS. Currently, this application is still in a very early stage of development.

Google said the company will conduct limited testing of the "Hands Free" feature in the San Francisco Bay Area later this year. If "Hands Free" can be successful, then it will become a feature of Android Pay that is different from Apple and other competitors. (Xu Qiaoyan)

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