甫 Apple's smart watch, ringing the wearable device market prelude, the major manufacturers have also made every effort to invest in research and development, because the wearable products are smaller and more personal than the mobile phone, and have the public transport ticketing and other payment applications. Sex, so most industry players believe that the future action payment function will be the key to determining the pros and cons of wearing products.
The wave of mobile payments has continued to emerge over the years, with a variety of applications and solutions. Especially since 2014, mainstream smart phone hardware and software manufacturers officially launched related products, and the payment methods have been continuously innovated. Their applications have also expanded from smart phones to other devices. The entire market has presented rapid emergence and rotation of technical solutions.
Safety and convenience are the focus of the market
Mobile payment can be divided into two types: long-distance and close-range payment. The early type of the former is computer online payment and financial transaction, while the early mode of the latter is various payment cards, including credit card payment and traffic prepaid card applications. cash payment. The attractiveness of mobile payment lies in the ability to integrate remote and close-range payments on an interconnected platform, to overcome barriers to financial and public transportation applications, and to gradually replace cash micropayments, while facilitating the inclusion of mobile commerce, such as location-based consulting services. E-commerce application.
Because of the wide range of coverage and the mobile device is an open and interconnected platform, it is more vulnerable to various types of attacks than bank cards, and mobile payment security becomes a prerequisite for all payment service applications. On the other hand, there are many parties involved in mobile payment services. While taking into account the interests and security appeals of all parties, the convenience and operational experience of end users is the ultimate acceptance of a service. Fortunately, the latest service models, such as Apple Pay, focus on product security and convenience, based on the hardware security chip solution to establish a benchmark in service import and transaction security, and believe that technology and products Innovation will surely drive the market to continue to move forward rapidly.
Chip solution is the basis of mobile payment application
As a supporting foundation for action payments, the chip plays a key role in guiding the market and application models. In recent years, semiconductor manufacturers have actively improved and developed new products to promote various payment solutions. Equipment manufacturers and payment service providers have worked closely together to continuously innovate in the issuance and payment processes to ensure payment security while paying attention to user experience. It should be said that mobile payment has become the future and mainstream of payment development. At the same time, the market is still in the early stage of the outbreak, and the industry will continue to strengthen R&D investment.
The chips related to mobile payment applications can be divided into two categories: The first category is the security chip, which is the basis for data data storage and secure transactions. It is divided into common contacts according to the application interface (ISO/IEC7816 or other general purpose). Interface), non-contact (ISO/IEC14443), SWP security chip, etc.; the second category is related short-range communication front-end chip, the most popular here is the Near Field Communication (NFC) front-end chip, considering the characteristics of mobile devices, NFC It is the first choice for mobile payment due to its compatibility with ISO/IEC 14443 contactless standards, which are widely used in chip card payment.
Smart wearable products look forward to innovative solutions
Recently, the smart wearable products have been booming and have become a flash point from the market hotspots discussed by everyone. However, while manufacturers are striving to develop various products, the lack of isomorphism and user adhesion of product functions has become an urgent problem to be solved. Many operators believe that mobile payment may become the focus of differentiated competition in the next stage of wearable products. .
Unlike smart phones, wearable products such as smart watches have better fit for payment applications, such as public transport ticketing, because they are close-fitting (Figure 1), but their ultra-small body and battery, as well as standby time Extremely high requirements, challenge the traditional NFC system architecture: First, the system expenditure needs to be reduced to the extreme, including the hardware and software support necessary to reduce the NFC function to reduce power consumption; second, the circuit area, including the antenna size It should be minimized to fit the ultra-small size of the wearable product, and can achieve good NFC communication function in the case of metal body and human body wear.
Figure 1 An example of a smart watch with NFC near-field communication and secure payment.
Electronics Challenges and Opportunities
Action payments are a challenge and an opportunity for the Taiwanese industry. At present, there is no mobile payment model in the global market that can be called globally popular, and Taiwan lacks a local market with a large scale. Under such circumstances, the relevant industries are hard to closely follow the latest action payment scheme, but fail Form autonomous norms and large-scale offerings. However, from the latest development, on the one hand, the outbreak of wearable products puts new demands on the architecture of secure payment systems including NFC antenna components and component processing technology. On the other hand, mainland China has become the largest regional market for mobile payment in the world. There is a huge demand for all kinds of payment products. Taiwan related industries have the opportunity to give full play to the advantages of electronic design and processing technology and find the entry point of the market.
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