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NFC即Near Field Communication,是指近场通信技术,广泛应用于包括支付在内的各类信息交互。NFC手机支付是基于射频技术和智能手机的无密码小额支付方式,使用者不需要输入密码,直接在支持近场支付的POS终端机前晃动手机便可完成支付。截至2013年年底,NFC在移动支付行业占比为10%~20%,处于较低档次。而来自于远程的移动互联网支付仍然占据移动支付产业的核心。但是,2014年3月19日中国人民银行《关于手机支付业务发展的指导意见》暂停了“二维码”支付,鼓励银行发展NFC手机支付应用。自此,NFC近场手机支付迎来了最好的发展契机。
Near Field Communication NFC means near field communication technology and is widely used in various types of information exchange including payment. NFC mobile payment is a password-free micro-payment method based on radio frequency technology and smart phones. Users do not need to enter a password to directly pay for the mobile phone in front of a POS terminal that supports near-field payment. As of the end of 2013, NFC accounted for 10% -20% of the mobile payment industry, at a lower level. Mobile internet payments from remote locations still dominate the mobile payment industry. However, the People’s Bank of China’s “Guiding Opinions on the Development of Mobile Payment Services” on March 19, 2014 suspended the “two-dimensional code” payment and encouraged banks to develop NFC mobile payment applications. Since then, NFC near-field mobile payment ushered in the best chance of development.