Wen | 1 Observe Su Yiwen

It can be said that Huawei Wallet upgraded with the release of P40 has successively opened three important layouts in the intelligent full-scene ecology.

Huawei wallet's newly released Huawei card is an exclusive digital credit card introduced by Huawei to its mobile phone users.

What are the highlights of this credit card?

1) Online fast card processing: users can quickly apply for and receive Huawei cards through Huawei wallets, and Huawei Pay will be automatically bound after the cards are activated. Compared with the traditional credit card application, Huawei card does not have to wait for a long business card printing process.

2) Minimalist card face design: According to the information released at the press conference, Huawei Card abandons the complicated card face style of traditional credit cards, and only highlights the three most important elements of Huawei brand attributes, UnionPay card standards and cardholder's name, highlighting its exclusivity and sense of honor.

3) Full-online card management: Huawei card can realize full-online card management in Huawei wallet APP without switching bank apps. Cardholders can make real-time quota inquiry, online repayment, consumption classification statistics, cash back inquiry, etc. Help users understand their consumption more quickly and comprehensively through Huawei wallet.

4) Convenient payment experience: Huawei card is highly integrated with Huawei Pay payment service. After the Huawei card is activated, Huawei Pay will be activated simultaneously. In the scenario that Huawei Pay is allowed to make online and offline payments, Huawei cards can be used for payment. In addition, since it is a credit card, Huawei cards can definitely be used in third-party payment apps, and the consumption scenarios of credit cards will also be fully covered.

5) Selection of rich rights and interests: Huawei Card provides users with rich rights and interests in using the card, in addition to basic rights and interests such as cashback and annual fee exemption, it also provides rights and interests of Huawei application members. In addition, Huawei Card also provides high-end users with service rights such as airport/high-speed rail VIP room courtesy.

6) Double security guarantee: Huawei card has double protection of financial-grade security chip /TEE OS based on microkernel and biometric means, which fully guarantees the security of users' cards.

From this point of view, Huawei card comes with enough strength and sincerity and confidence. No matter in card design, user rights or card experience, we can start from the actual needs and ideas of users. Looking forward to the official launch of Huawei card, it can provide more and more comprehensive services for Huawei users.

With the release of P40 series, Huawei wallet can really get through the full scene experience of users' digital life.

Multidimensional tourism scene

Huawei Wallet also launched smart luggage keys and car keys this time.

Compared with its traditional password lock suitcase, the first batch of smart phone unlocking functions of Samsonite smart business suitcase will take about 15s. It only takes about 1s to unlock Samsonite smart business suitcase with Huawei mobile phone. Users can "touch" the suitcase through NFC function, which solves the trouble caused by keeping secret and inputting password every time, and improves the safety of the suitcase in use.

For users who often drive, "forgetting to bring it" and "carrying it with you every day" are both pain points. Just connect Huawei wallet APP or BYD cloud service APP to activate the car key function, and users can use Huawei mobile phone to approach the left front rearview mirror on the driving side of the car to complete the unlocking operation. Even when the screen of the mobile phone is off, the battery is low or even dead, the owner can still unlock and start the vehicle. At present, Huawei Wallet has reached a cooperation with BYD DiLink. Song Pro has already supported the function of mobile phone car key, and the non-inductive Bluetooth car key will also be launched on Hongqi H9.

It is understood that Huawei Wallet will cooperate with more brands to support smart luggage keys, mobile phone car keys and other functions. Huawei wallet will also become a "smart card" covering multi-dimensional user travel scenarios.

In addition, Huawei wallet can open the Huawei Pay transportation card function. At present, 4 1 transportation cards have been supported, covering 3 12 cities in China, among which the Beijing-Tianjin-Hebei Interconnection Card can be opened free of charge, and one card can pass through 307 cities. When users arrive in a new city, they can open the local transportation card with one click, without buying any physical card, and support online recharge and mobile phone to swipe the transportation card. You can migrate for free when changing your mobile phone, which solves the pain points of many offline traffic card users.

Through cooperation with the Third Research Institute of the Ministry of Public Security, Huawei Pay took the lead in supporting citizens' online electronic identification (eID). At present, many hotels in Shenzhen 1 10 have been supported to swipe their mobile phones to check in, and account opening authentication of Dongguan Rural Commercial Bank, Xi 'an Bank and Jinshang Bank, as well as real-name authentication of online APP identity such as air travel, and will be extended to high-speed rail, airports, homestays and other user travel scenarios.

Consumption and financial scenarios

Huawei card functions mainly cover various online and offline consumer payment scenarios of users.

In addition, Huawei Wallet also supports the functions of small change financing, flexible deposit and withdrawal (withdrawal fee is 0), bank loans, credit card repayment without fees and so on. When you open an account, you can send 6,543,800+account insurance, and you can also buy a money fund to enjoy the stable income similar to Yu 'ebao and Licaitong.

Huawei, as the terminal brand with the largest shipment and the largest number of smartphones in China, has the same scale of high-end users and business users. It can be said that it is the general trend for Huawei Wallet to accelerate the expansion of "small change finance", which can ensure the safety of users' funds and convenient payment, and at the same time improve users' rate of return on capital.

Get through three scenes: office-community-family.

For most work users, they have to shuttle through three scenes: office, community and family every day. Huawei wallet can digitize work cards, community access cards and home smart lock cards. At the same time, Huawei's mobile phone security chip is used as the digital identity carrier, and the key is stored in the security chip of Huawei's mobile phone, so that users can unlock three kinds of access control scenarios with one mobile phone, which improves convenience and portability and brings greater security.

According to the data, Huawei wallet can complete the physical access card with the frequency of 13.56MHz commonly used in residential areas through analog digitization, and cooperate with neighboring enterprises, Xiangyun Gate, Xinghai IOT and other enterprises to complete the opening of the analog entrance of the community door key.

Full-scene smart life is the core transformation strategy of Huawei's consumer business in the next decade.

With the upgrade of P40 series, Huawei Wallet makes users and industry clearly see the innovation landing in this core reform direction.

The first is the "smart flash card" function of Huawei wallet, which solves the problem that a terminal can get through the user's full scene intelligent experience.

With the integration of more and more scene functions such as payment, identity recognition, travel, family and so on, if users have to unlock-open the APP- find the sensor card before each use, especially in buses, subways and holding heavy objects with heavy traffic, Huawei wallet will undoubtedly greatly reduce the user's convenience experience.

Huawei Wallet has launched the "smart flash card" function for this purpose, which brings the advantage that it can intelligently identify the user's scene, actively and accurately provide the required cards, and users can complete identification, authentication and credit card swiping with their hands raised, "at will".

Secondly, the card migration function solves a full-scene intelligent migration scheme of user ID across different physical terminals.

In the era of full-scenario intelligence of the Internet of Everything, the "decentralization" of terminals+seamless coverage of data and services means that users can call the terminals they have experienced in the scene to provide services. These terminals may be devices of any terminal type, such as wearable devices and vehicle central control. , not just through smart phones to complete identification and payment.

The card transfer function not only solves the problem of "old card" balance migration in the process of changing machines, but also helps to get through the user data and application habits of Huawei wallet services such as Huawei Pay. After the function is officially launched, it will support the migration of transportation cards, bank cards, door keys, car keys, luggage keys, eID and other cards.

The maturity of any new technology and business ecology must have three preconditions: the maturity of new payment methods, the outbreak of products and applications, the change of lifestyle and the strong experience of users.

Cmnet's high ecological maturity and global innovation leadership are actually inseparable from the widespread penetration of mobile payment in China. Only by opening up the three links of payment-innovation-experience can the new ecology in the era of Internet of Everything achieve a closed-loop business.

The overall upgrade of Huawei Wallet at the China conference of Huawei P40 showed us three important layouts in succession in the intelligent full-scene ecology.

"A Watch" believes that in the era of the Internet of Everything, the digital world and the physical world will be infinitely close or even coincident, bringing huge new technology product experience and intelligent lifestyle changes in the whole scene. With the new function of Huawei wallet released by P40, we clearly see Huawei's running leadership in this direction of change.