NFC移动货币交易如何工作? [英] How does NFC mobile money transactions work?

问题描述

我知道NFC的工作原理，但是它如何存储金钱和转移金钱?它已连接到用户的银行帐户吗?如果是这样，那么该机制在基础架构方面如何运作? 详细的解释将不胜感激.

I know how NFC works, but how does it store money and transfer money? Is it connected to the user's bank account? If so how does that mechanism work in terms of the infrastructure? A detailed explanation would be appreciated.

谢谢

推荐答案

NFC付款与任何普通的非接触式卡付款一样.

NFC payment works just as any normal contactless card payment.

每张卡(甚至是使用NFC支付时使用的虚拟"卡)都有绑定的帐户.它可以是您的借记帐户，也可以是与预付卡一起使用的匿名帐户.没有卡片会立即有钱".这笔钱在一个帐户上.

Every card (even the "virtual" one you are using when paying with NFC) has an account it is bound to. It could be your debit account, or it could be an anonymous account used with an prepaid card. No card acctualy "has money" in it. The money is on an account.

当您用卡付款时，它会以某种方式进行身份验证-可能需要POS要求您的银行进行身份验证，它可能会离线进行.可能会要求您提供PIN码.然后，以一种或另一种方式对交易进行授权.如果一切正常，您将获得购买的产品.

When you pay with the card, it authenticates itself in some manner - it may require the POS to ask your bank for authentication, it may do it offline. You may be asked for your PIN. Then the transaction is authorized, in one way or another. If everything is fine, you get what you purchased.

稍后，为您的商家(您的付款人)提供服务的收单方将有关交易的信息(通过签证，万事达卡或其他类似组织)发送到您的银行.然后，银行从您的帐户中给他们钱.当然，您的银行，签证/万事达卡/...和收单行会花一些钱来支付他们的费用，因此商家实际上获得的收益比您支付的少.它叫做交换费.

A bit later, the acquirer providing services for your merchant (the person you paid) sends information about the transaction (through visa, mastercard or other similar organisation) to your bank. The bank then gives them the money from your account. Of course, your bank, visa/mastercard/... and the acquirer take a bit of the money to cover their expenses, so the merchant actually gets a little less than you paid. Its called the interchange fee.

那是一般情况，大多数NFC付款选项都以一种或另一种方式使用它，仅在认证虚拟"卡和授权付款的确切方式上有所不同.这使NFC支付方式可以利用现有的非接触式支付基础设施.

Thats the general scenario, and most of the NFC payment options use it in one way or another, differing only on the exact way of authenticating the "virtual" card and authorizing the payment. This allows the NFC payment methods to utilize the existing contactless payment infrastructure.

如果您对非接触式付款或一般的芯片卡付款的详细信息感兴趣，请查找EMV标准.如果我没记错的话，大约35％的支付卡和大约65％的PointsOfSale使用此标准.一个很好的起点是 http://www.emvco.com/.您可以在此处找到非常全面的指南: http://www.emvco.com/best_practices.aspx?id=217

If youre interested in the details of contactless payment, or chip card payment in general, look up the EMV standard. If im not mistaken, around 35% of payment cards and around 65% of PointsOfSale use this standard. A good place to start is http://www.emvco.com/. You can find a quite comprehensive guide here: http://www.emvco.com/best_practices.aspx?id=217

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