February 22, 2025

All the details of Apple Pay's book about it are here.

Abstract After nearly two years of release and various twists and turns, Apple's ApplePay mobile payment service finally arrived in mainland China on February 18, 2016. For Chinese users, mobile payment is actually nothing strange, grab red packets and support...
After nearly two years of release and various twists and turns, Apple's Apple Pay mobile payment service finally arrived in mainland China on February 18, 2016.
For Chinese users, mobile payment is actually not a strange thing. Grab the red envelope and Alipay to complete the user enlightenment. But the difference between the two is that Apple Pay is just a payment service built by Apple. It links banks, stores and users, but does not have the money to own it like Alipay.
When Apple Pay was officially launched, Sina Technology compiled all the details about it and answered them one by one, hoping that more people would understand it.

Part 1: What equipment can use Apple Pay during the preparation phase?
Apple has double restrictions on devices and systems, both of which must meet the requirements for Apple Pay.
Equipment requirements, a brief description of the need for iPhone 6 or newer phones, as well as iPad Air 2 and mini 3 after the tablet, and Apple Watch.
Specific models: iPhone 6, iPhone 6 Plus, iPhone 6s, iPhone 6s Plus; iPad Air 2, iPad mini 3, iPad mini 4, iPad Pro; and Apple Watch.
A special case is that if you are still using an old model like the iPhone 5, because it does not have NFC functionality, Apple Watch can also be used with an Apple Watch on the watch. Older than the iPhone 5 will not work, they can not be paired with Apple Watch.
Is there a requirement for the iOS system?
iPhone or iPad must be upgraded to iOS version 9.2 at least, watch at least watch OS 2.1.
How to bind the card?
Unlike Alipay, which leaves money, Apple Pay simply turns a bunch of physical credit cards into virtual cards in the phone, which is the biggest difference between the two.
In the "Wallet" application that comes with the system, then click the ⊕ symbol in the upper right corner to enter the card-binding program. You can use the camera to capture the card to identify it. If the card is worn out, you can manually enter it or bind it through iTunes. After that, the bank will send a text message confirmation code, and the operation steps are basically the next step.
The already bound card will appear in the Wallet app.
Btw: On the early morning of the 18th, Apple has started to promote the Apple Pay service option (not the iOS system upgrade), but because there are so many iPhones in China, users may receive them in batches without worry.
Can my bank card support Apple Pay?
When it was launched today, the first 12 banks have already supported Apple Pay. They are: Agricultural Bank of China, Bank of China, Bank of Shanghai, China Construction Bank, China CITIC Bank, China Merchants Bank, Minsheng Bank, Guangfa Bank, Industrial and Commercial Bank of China, Industrial Bank , China Postal Savings Bank, Shanghai Pudong Development Bank.
At the moment we have tried to support the bank's debit card, credit cards are fine.
After that, there will be 7 more: Ping An Bank, Everbright Bank, Guangzhou Bank, Hua Xia Bank, Ningbo Bank, Bank of Communications, Bank of Beijing.
However, in addition to the above, the single-currency card with the visa or master logo is not yet bound to Apple Pay.
There are more bank support in countries such as the United States, the United Kingdom, Australia and Canada that have opened Apple Pay. A detailed list can be found on Apple's official website.
19 banks supported by Apple Pay in China
Can someone else's card be tied to my Apple Pay?
can. As long as there is a verification code, and can receive the verification SMS sent by the bank.

Where can I use Apple Pay in the second part?
Which stores can Apple Pay? Is the bus available?
In mainland China, offline stores such as KFC, McDonald's, and 711 convenience stores can be settled by Apple Pay. Apple will increase it afterwards; it is not possible to brush the bus, and the card settlement system and UnionPay are two different things.
Because Apple Pay is compatible with UnionPay, it is basically useful to see where the flash is paid.
Apple Pay is implemented via UnionPay flash, so the logos are usually put together
The offline stores that have been supported today are: Apple Retail Store, OK Convenience Store, Burger King, Pacific Coffee, Lane Crawford, 7-11 (Beijing), KFC (Beijing), McDonald's, Carrefour, Haode Convenience Store, Wu Yuan supermarket, Wanning supermarket, Shin Kong Place (Suzhou), Wuxing Electric, Agricultural and Industrial Supermarket (Shanghai), City Shop City Supermarket.
In the future, the whole family convenience store, the convenience store (Shanghai), Costa (Southern District), Joy City (Shanghai), Godiva chocolate, etc. will also be supported.
Apple's ambitions are not just offline stores, but also e-commerce, so Apple Pay also supports in-app payments.
What does the app mean?
In-store payment is better understood. I used to buy instant noodles in 711, and now I can brush my phone or brush my watch.
As for the in-app payment, the previous purchase of movie tickets in the cat-eye movie will need to jump to Alipay checkout. Now, within the app, “Payment” can pop up Apple Pay. Compared to Alipay, it does not need to jump to other apps, and the experience is smoother.
iPad only supports in-app payment, it is estimated that Apple also understands that it is stupid to have an iPad checkout at 711...
Currently supporting Apple Pay devices and usage scenarios
At present, the following App updates can support Apple Pay: Vipshop, Dangdang, Original Life, Jumei Youpin, Meituan, Public Comment, Enjoy, Ctrip Travel, Where to Go, China Air China, China Car Rental, Easy to Use , US group take-out, cat-eye movies, micro-tickets and so on.
Apps that have been confirmed to support Apple Pay are: Jingdong Mall, Netease Koala Haitao, Weibo payment.

The third part of Apple Pay actual Apple Pay experience?
Apple described it as "you don't have to look around for a wallet anymore, and you don't have to waste time looking for the right card."
Before we used Alipay to pay the bill, at least: light up the phone - unlock - enter the application - point payment - enter the password (or fingerprint) - confirm the payment.
Apple Pay will simplify a lot: the phone touches the card reader - enter the password (or fingerprint).
Apple Pay can also be used when the phone has no network, and Apple Pay can be used if the phone has no network.
Most users won't (and don't need to) delve into their principles, but simply and rudely measure them with convenience. At this point, Apple Pay is qualified. If you talk about its shortcomings, compared to Alipay, Apple Pay has a hardware threshold, at least you need an iPhone, and not too old model, Android phone can not Apple Pay, more advanced will not work...
Our deep feelings in Pacific Coffee, KFC and Apple Stores are very fast. In the Apple Pay environment, the phone is basically placed in the card machine for 2-3 seconds to complete the payment.
This reminds me of the scene of opening a door with a Apple Watch at a hotel last year. The first time it will be very novel and very exciting. I don’t need to bring a room card after taking it for granted.
When this novelty is incorporated into life, the first use of that ritual will disappear, which is probably the long-term vision of Apple Pay that Cook had said before.
Can Apple Watch get Apple Pay off the phone?
can.
Apple Watch is completely self-contained at the time of payment, and can be paid mobile even if it is not connected to the iPhone. By pre-binding the credit card on the iPhone, you can implement the legendary “Paper Payment”.
Brush payment
Double-click the side button of the watch, select the credit or debit card you want to use, and then align the watch dial with the payment terminal. The Apple Watch will vibrate slightly and the check mark will appear on the screen to indicate that the payment was successful.
I have always been looking forward to this application scenario: I only go out running with the Apple Watch, it can even put music on the Bluetooth headset, and half a thirsty brush to buy a bottle of water. It is finally realized.
Does Apple Pay require a password?
This is divided into N cases.
1. Debit card needs to brush the phone and then lose the password;
2. Credit card, related to the user. Many domestic users like to add a password to a credit card without signing, so Apple Pay also needs a password;
3. Related to the UnionPay flash payment service (QuickPass), the limit of no signature or password is 300 yuan;
4. Related to the business, some merchants will have passwords and signatures even if they do not reach the 300 yuan limit.
Will mobile phone sets affect Apple Pay?
Visually check the mobile phone or watch is effective within 2-3 cm from the credit card machine. Conventional plastic or leather mobile phone sets will not affect, but Taobao has a million mobile phone sets, as long as there is no metal part to block the surrounding area of ​​the iPhone camera to affect NFC.
This part is unobstructed.
Apple's own mobile phone case is no problem, including the Smart Battery Case, although its appearance is often spit, but it does not affect the NFC antenna.
Does Apple Pay have points like it?
Apple turned the credit card into an electronic version and put it in the phone. The original credit card offers and points will not disappear. It turns out that a restaurant will have a half-price for the China Merchants Bank on Wednesday, and now it will be discounted with the Apple Pay tied for the CMB card. The points will also be there.
Is there a fee for the user?
No, Apple does not accept it. If there is also an annual fee for the credit card issuing bank.
Can Apple Pay in China be used in other countries?
The cards of the 19 banks can be bound to Apple Pay, but they can not be used after going abroad. If you want to see foreign merchants, their receiving devices should support UnionPay, and the store should also support Apple Pay.

Is the fourth part about secure Apple Pay?
There is no 100% security in the world. It can only be said that Apple has made security measures for the problems that can be thought of at present.
The card information is not stored in the iPhone. Instead, it is a variable token code. The dynamic security code sent to the bank is different every time you buy something. The key to all this is the Touch ID fingerprint device on the mobile phone. It has passed. Verification of several generations of iPhone.
Apple also emphasized user privacy: it does not record any transactions generated through Apple Pay, nor does it analyze user purchase behavior. And specifically said: "This is the biggest difference between Apple and other opponents."
Apple Pay technical process
Will the phone or watch be stolen if it is lost?
Fingerprint recognition must be enabled when Apple Pay binds a credit card. If your iPhone or iPad is lost, it will first be protected with Touch ID. Users can also set it to "lost mode" remotely via the "Find My iPhone" app, or the iCloud.com webpage, and Apple Pay will stop.
To use the Apple Pay page on your watch, you must first activate the lock password. If the Apple Watch is lost, you can log in to iCloud or remove the Apple Watch payment authorization on your iPhone. As long as the virtual bank card number is deauthorized, even if the Apple Watch is offline, the payment function will be terminated.
How is Apple Pay different from other vendors' payment services?
Software and hardware integration + hardware encryption + sensor + payment service all integration methods, currently afraid that only Apple can make it, this is a common problem of soft and hard integration, its rival Google, although there are Google Pay, etc., but each Different manufacturers of hardware and systems (there are still many Android phone kernels are 4.x version), resulting in slow progress.
Another point is also reflected in the appeal, any company can customize its own standards, but more users have the opportunity to become an industry standard.
Other manufacturers are thinking of other ways to try differentiated competition. Samsung's Samsung Pay is said to support Magnetic Signal Secure Transmission (MST). Merchants do not need to upgrade their cash registers. The user experience is similar to magnetic cards. We will wait for Samsung Pay to go online. Apple compares.

Part V Other Issues What are the promotional measures for Apple or storefront?
This Apple official did not specifically emphasize, just said that domestic cooperative banks have credit card discounts such as Apple Pay; for Apple, this is actually a tricky way, do not have to plan their own promotions, the bank will assist.
How does Apple compete with Alipay and WeChat to burn money?
Because the two local tyrants exist, many people are not so optimistic about Apple Pay.
When I interviewed Phil Schiller at the beginning of the year, I asked this question. He didn't comment on Alipay and other services. He just replied: "Apple has always been concerned about what you are doing and will not think too much about other people's actions."
In the face of Alipay and WeChat's money-burning promotion and push-pull team, Apple may not be able to put down its body to do similar things. You can't imagine Captain Cook calling on Chinese aunts to take the iPhone to the supermarket to grab the rice, but Ma Yun can.
A lot of the point is that users who are used to Alipay scan code will not be so easy to migrate. Even if Apple is strong and the payment experience is good, Apple Pay will not be an explosive growth. It takes a period of incubation. In terms of benefits, Apple sold 74.79 million iPhones in the most recent fiscal quarter, and new devices will definitely support Apple Pay in the future. It has a lot of room for growth. UnionPay also needs a strong partner to contain Alipay and WeChat.

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