note: handling nfc-sim card has nothing to do with touch payment, just to export NFC menu.
1. open two functions of mobile data and NFC in the settings bar (you must press these two functions to export the touch payment menu bar).
The picture on the right shows the system information of testing the mobile phone:
2. Open the China Merchants Bank APP (I am a credit card of China Merchants Bank, and other bank APPs also do the same)
The picture on the right shows the menu that appears after the China Merchants Bank Flash Card is opened:
3. The following instructions appear when the China Merchants Bank card prompts:
4. Launch the China Merchants Bank APP and return to the mobile phone settings menu bar-Touch Payment
. The credit card of China Merchants Bank has been loaded into the touch payment default card of Glory 7 Netcom (China Unionpay QuickPass and ESE have communicated with China Merchants Bank to choose at will)
5. After the above operations, Glory 7 Netcom has been used on the POS machine marked with UnionPay: "Quick Pass". After confirmation with China Merchants Bank, the mobile phone can be taken to the POS card reading area for payment when the screen is always on, the mobile data is online and the cashier performs flash payment. The payment authentication method is consistent with the binding card authentication method, that is, no password, password input, signature, etc.
Special note: China Merchants Bank used for testing is HCE mode.
there is another kind of flash payment, which is realized by nfc-sim card of mobile operators and ESE mode. The cooperation between mobile operators and bank card parties (including Zhongyintong virtual card) requires the operator's APP. For example, Beijing Mobile needs to download the package, and after finding the supporting bank card plug-in in the package, it opens the touch payment (so-called flash payment by UnionPay), but this way is an electronic wallet way, similar to marking a storage area in NFC-SIM, but it needs to be circled (recharged) into the electronic wallet with a debit card first. Otherwise, the account is in a state of no money when making touch payment.
another thing is that the card is simulated as a bus card, and when you swipe your card, you swipe the money from the bus card account. For example, Beijing: Jinfeng Chengxiang's POS machine shows the municipal traffic card+:"QuickPass". Both of them are ESE mode
To sum up, no matter which mode of touch payment is used, only the payment channels used by the handheld terminal are different (e-wallet of mobile operator, bank-owned APP, wallet of mobile phone brand, municipal traffic card, etc.), and only China UnionPay is the POS terminal (although Apple Pay is very popular, China UnionPay hiding behind it is the biggest winner). Therefore, it will definitely be attacked by WeChat and Alipay, which are pushed by QR code payment.