Core Viewpoint - Leading payment institutions Alipay and WeChat Pay are actively exploring innovative payment products in the mobile payment sector, focusing on biometric identification technology to enhance payment experiences [1][2]. Group 1: Innovations in Payment Technology - WeChat Pay has introduced iris XR technology, combining high-security iris recognition with extended reality (XR) devices for seamless and secure identity verification and payment services in mixed reality environments [1]. - Alipay has partnered with Rokid to launch smart glasses payment, allowing users to complete payments directly through smart glasses, enhancing convenience in situations where using a mobile phone is impractical [1]. Group 2: Market Trends and User Adoption - Alipay's "Tap to Pay" feature, launched last year, has rapidly gained popularity, with over 100 million users and deployment in more than 400 cities across China [2]. - The competitive landscape among payment institutions is intensifying, prompting companies to innovate in wearable and contactless payment solutions to capture new market segments [2]. Group 3: Policy and Industry Implications - The Chinese government is encouraging payment institutions to transition towards functionality, security, and inclusivity, as outlined in the March 2024 policy document aimed at optimizing payment services [2]. - Innovations in mobile payment products are seen as a means to enhance financial service quality, improve accessibility for special groups, and support the global competitiveness of China's mobile payment technology [3].

上海、北京、广州等成为外国游客喜欢使用"碰一下"城市 据了解，"五一"假期前三天，来自54个240小时过境免签国家和地区的外国游客通过"支付宝碰一下"消 费金额环比4月同期增长近50%。 随着240小时过境免签政策红利释放，"即买即退"离境退税便利提升，以支付宝为代表的中国移动支付 服务持续升级，"五一"假期，越来越多外国游客来华旅行和消费，并且热衷"买买买"。5月5日，支付宝 平台最新数据显示，"五一"假期前三天，入境游客用支付宝消费金额同比去年增长180%；其中，240小 时过境免签国家用户通过"支付宝碰一下"消费金额环比4月同期增长近50%。 "中国的移动支付已经足够好用，没想到这么快又普及了一种新支付方式，非常符合我的使用习惯，这 种创新的速度让我惊讶，"第一次逛义乌小商品市场的西班牙留学生小米表示，2024年刚来中国学会扫 一下支付，现在就流行"碰一下"支付。据悉，"五一"前，支付宝发布"畅游中国服务计划"，通过"碰一 下"支付等系列新服务，全面提升入境游客的游玩、购物、退税等体验，助力"China Travel"转化为消费 热潮。目前，来华的外国游客可在全国超过400个城市吃喝玩乐购等多种场景，使 ...

一个月后的 7 月 8 日，这项服务在全国 6 个城市正式上线，并凭借便捷新奇的体验迅速风靡。 2025 年 4 月 24 日，杭州，支付宝公布了"碰一下"最新数据：仅用 321 天就实现了用户破亿，创下中国移动支付普及速度新纪录——远超扫码支 付的 30 个月和刷脸支付的 15 个月。并且，与传统 NFC 支付不同，"碰一下"的应用已突破了支付范畴，延伸至点餐、开门、骑行等超 300 个细 分场景。 编者按： 在扫码支付日益普及的今天，"支付宝碰一下"的诞生不是偶然，它得益于中国 86% 的移动支付覆盖率和手机 NFC 功能的普及。中国移动 支付行业的新故事正在徐徐展开，这场从芯片到场景的全产业链共振，也将给中国数字经济带来新活力。 2024 年 6 月 7 日，上海，"支付宝碰一下"诞生了第一笔交易。 "碰一下"的爆发并不是偶然。中国移动支付 86% 的高渗透率，叠加市面主流手机 NFC 功能的普及等，为其顺势而生铺平了道路。 "碰一下"的创新并非单点创新，这背后，产业链的核心成员，以支付宝、蓝思科技、复旦微电子、奥比中光、商米等为代表的"中国新一代支付军 团"正悄然崛起，成为推动"碰一下"规模化落地和新 ...

Group 1 - The core idea of the news is the rapid adoption and expansion of Alipay's "Tap to Pay" feature, which has reached over 100 million users in less than a year, with a significant portion being young people under 30 [1] - "Tap to Pay" has been integrated into over 400 cities and more than 10 million merchants, extending its application from payment to various scenarios such as dining, door access, cycling, and hotel check-ins, covering around 300 different use cases [1] - The acceptance rate of mobile payment innovations is accelerating, with "Tap to Pay" achieving 1 million users in just 321 days, compared to 30 months for QR code payments and 15 months for facial recognition payments [1] Group 2 - Ant Group's CEO announced plans to accelerate technological and product innovations for "Tap to Pay," aiming to enhance user experience and expand application scenarios, with a commitment of 10 billion yuan in resources to support the ecosystem [1] - The NFC chip, developed in collaboration with Fudan Microelectronics, is the core component of the "Tap to Pay" device, with the first batch of over 10 million orders expected to be produced in the second half of the year [2] - A new chip for applications beyond payment is also in development, with anticipated orders expected to exceed 100 million [2]