支付宝用户的手机，如果支持 NFC、且功能开启，那么在手机解锁亮屏（无需打开支付宝 app）的状态下，与商家的「碰一下」收银设备进行触碰，即可 完成支付。 与目前依然主流的扫码支付相比，「碰一下」可以更快速、更简单地完成支付动作。 官方数据显示，支付宝「碰一下」在推出 321 天后用户数突破 1 个亿，而今年 5 月到 9 月间的四个月时间，「碰一下」用户数就从 1 个亿增加到了 2 个亿； 此外，截至今年 9 月，近 1 亿用户已体验多项「碰一下」服务，同时提供「扫」和「碰」的方式，「8 成用户首选『碰一下』」。 最近几个月，支付宝「碰一下」加速扩张的背后，究竟发生了什么？ 强推「碰一下」，支付宝祭出5大杀招 支付宝去年推出的「碰一下」，在今年下半年，以风暴之势席卷全国。 按照官方定义，支付宝「碰一下」支付，是基于支付宝付款码和 NFC 通讯技术的全新支付体验。 在培养用户行为认知和使用习惯这件事上，没有什么比持续派发红包或补贴来得更真切的了。 支付宝派发的「碰一下」红包，包括「天天有优惠」（每次使用即可触发）、「集卡换好礼」（使用次数越多、兑换红包金额越大），以及特定商家的「碰 一下」红包等。如果每天都使 ...

Core Insights - Alipay has officially announced the "Tap to Pay" discount activity for Double Eleven, enhancing user experience with new payment terminals featuring a blue ring [1][5] - The "Tap to Pay" feature has rapidly gained popularity, with user numbers reaching 200 million in just over a year, significantly faster than other payment methods like Yu'ebao and QR code payments [5][6] - Ant Group is heavily promoting "Tap to Pay" as a key project, aiming to reconstruct its payment moat through aggressive subsidies and extensive ground promotion [6][8] User Adoption and Experience - The "Tap to Pay" feature is now available in over 1,000 scenarios, including convenience stores, supermarkets, and delivery lockers, allowing users to easily access services [5][6] - User feedback is mixed; while some appreciate the convenience and discounts, others express concerns about sensitivity and security compared to traditional QR code payments [9][10][23] - The payment process is simplified to two steps for Android users, while iPhone users need an additional confirmation step, which may affect user experience [10][34] Technical Aspects - "Tap to Pay" utilizes NFC technology, distinguishing it from QR code payments by allowing mobile phones to act as readers rather than relying on scanning [13][14] - The report highlights three advantages of the reader mode used in "Tap to Pay": universal compatibility, user convenience, and enhanced transaction security [14][19] - The market environment for NFC payments has matured, with a significant increase in NFC-enabled smartphone shipments expected in 2024 [18][20] Competitive Landscape - The competitive landscape is characterized by a duopoly between Alipay and WeChat Pay, with Alipay seeking to regain market share in offline payments [24][27] - Alipay's "Tap to Pay" is part of a broader strategy to create new entry points beyond traditional payment methods, addressing user needs for efficiency and security [28][30] - The success of "Tap to Pay" will depend on user habit formation and overcoming migration costs associated with switching from QR code payments [34][35] Market Opportunities - The growing acceptance of NFC technology among users presents a timely opportunity for Alipay to expand its market share [36][37] - The feature has shown promising user data, indicating a gradual increase in market acceptance, particularly among international users [35][36]

在数字经济深度融入实体经济的当下，实体门店正面临"营销落地难、用户互动低效、场景覆盖有限"的共性挑战——传统推广依赖人工操作与分散物料，既 难以适配年轻消费者的"即时性需求"，也无法形成从公域引流到私域沉淀的完整闭环。在此背景下，客如云AI碰碰贴的推出，通过融合NFC技术与AI能力， 为实体门店开辟了一条低门槛、高效率的营销新航道，推动行业从"传统推广"向"数智化互动"转型。 图源：客如云官方 一、营销难落地？客如云AI碰碰贴用AI赋能内容生成 许多实体门店深知小红书、大众点评等平台的引流价值，却常因"不会写、懒得搞"陷入营销落地困境：点评需要30字以上优质评价，商家缺乏专业文案能 力；小红书种草需搭配图文排版，耗时耗力却难出效果，最终导致营销计划停留在"想法阶段"。 针对这一痛点，客如云AI碰碰贴依托AI技术构建专业文案库模型，为商家解决"内容生产难"的核心问题。消费者只需轻触客如云AI碰碰贴，系统便能根据门 店品类（如中餐、火锅等）和招牌菜品自动生成内容：生成小红书笔记时，会融入门店环境描述、菜品特色，甚至搭配热门话题标签；生成大众点评评价 时，会兼顾真实感与个性化，避免重复模板化表述。更关键的是，内容生 ...

Core Insights - The article discusses the rapid adoption of Alipay's "Tap to Pay" feature, which utilizes NFC technology, highlighting its user base exceeding 200 million and its presence in over 1,000 scenarios [1][2][4] - The growth of "Tap to Pay" is attributed to substantial subsidies and the maturity of NFC technology, with a current penetration rate of 70% among smartphones in China [2][5] - The article contrasts the efficiency of "Tap to Pay" with traditional QR code payments, noting that the former reduces payment steps and time significantly [8][9] Group 1: Adoption and Growth - Alipay's "Tap to Pay" has seen a user base growth of 1 million users in just four months, doubling the previous growth rate [2][4] - Nearly 100 million users have engaged with at least two "Tap to Pay" services, indicating widespread acceptance [4][5] - The feature has been integrated into various services, including food ordering, package collection, and shared bike rentals, showcasing its versatility [4][5] Group 2: Technology and User Experience - NFC technology allows for a more seamless payment experience, requiring only a tap rather than multiple steps involved in QR code payments [8][12] - The article emphasizes that "Tap to Pay" is not just a new payment method but an upgrade in user experience, leveraging existing user habits with smartphones [5][12] - Despite the advantages, there are still concerns regarding user comfort with new technology, particularly among older demographics [13][16] Group 3: Competitive Landscape - The rise of "Tap to Pay" is part of a broader trend of diverse payment methods competing in the market, including QR codes, facial recognition, and biometric payments [14][15] - The article notes that while "Tap to Pay" is gaining traction, QR code payments remain dominant, with a penetration rate of 92.7% among mobile payment users [6][14] - The competition among payment methods reflects a shift from functionality to user experience, as companies strive to enhance customer satisfaction [16][17]

Core Viewpoint - The article discusses the recent installation of "tap to receive" devices in elevators across commercial and residential areas, which allow users to receive cash coupons by simply tapping their smartphones against the device [1][4]. Group 1: Device Functionality and User Experience - The "tap to receive" device is a marketing collaboration between payment platforms and elevator advertising companies, allowing users to receive cash rewards by using NFC technology on their smartphones [1][4]. - Users have reported positive experiences, finding the process quick and easy, likening it to a fun game, and appreciating the lack of a need for app downloads [3][4]. - However, some users express concerns about security and the legitimacy of the device, particularly older individuals who are wary of potential risks [3][5]. Group 2: Safety and Security Concerns - Experts indicate that if the "tap to receive" devices are legitimate, they should not compromise user payment information, as data exchange occurs through a secure authentication process [5]. - There are warnings about the potential for misuse by malicious actors, highlighting the need for caution as this is a new technology [5][6]. - The installation of these devices in elevators requires prior consent from property owners, and there are legal implications if proper procedures are not followed [6]. Group 3: Regulatory and Ethical Considerations - Property management companies are responsible for informing all residents about the installation of such devices, ensuring transparency and compliance with legal standards [6]. - Concerns have been raised regarding the density of installations in small spaces like elevators, which could infringe on residents' rights and comfort [6]. - Residents have the right to take action against unauthorized installations, including complaints to regulatory bodies or legal action against property management [6].

Core Viewpoint - The implementation of the "National Network Identity Authentication Public Service Management Measures" aims to enhance online security by providing a mechanism for verifying user identities while minimizing the risk of personal information leakage [1][2]. Group 1: Identity Verification Mechanism - The new identity verification system utilizes "Net Number" and "Net Certificate" to ensure user identity verification without exposing personal information such as names or ID numbers [1][2]. - The "Net Number" is a unique digital identity code that corresponds to a citizen's real identity, while the "Net Certificate" is an encrypted dynamic credential that transforms identity information into a "digital password" [1][2]. - The system supports multi-modal biometric recognition, including voiceprint, fingerprint, and palm vein recognition, enhancing security through a dual-track mechanism [1]. Group 2: Data Privacy and Security - The network identity system stores citizens' real data only on the national platform, adhering to the "available but not visible" principle for third parties, which can only access the Net Certificate number [2]. - The management measures implement tiered management for minors, requiring parental consent for those under 14 and supervision for those aged 14 to 18 during the application process [2]. Group 3: Application Process and Use Cases - Adults can apply for the network identity certification through a mobile app that utilizes NFC technology for identity verification, allowing for a streamlined application process [2][3]. - The network identity certification has been piloted across various sectors, including government services, education, healthcare, and transportation, facilitating quick authentication without repeated data entry [3].

Core Viewpoint - A recent case of credit card fraud in Beijing highlights the vulnerabilities associated with NFC technology and electronic wallets, where victims' credit cards were fraudulently charged without physical loss or duplication of cards [1][3]. Group 1: Incident Overview - Multiple victims reported unauthorized transactions totaling over 1 million yuan within two days, with one victim alone losing over 70,000 yuan [3]. - The fraud involved binding victims' credit card information to the perpetrators' electronic wallets using NFC-enabled phones [5][7]. Group 2: Methodology of Fraud - The criminal group used phishing tactics, sending messages about "ETC anomalies" to lure victims into providing their banking information on fraudulent websites [5]. - Once the information was obtained, the fraudsters could link the victims' credit cards to their own NFC-enabled devices for unauthorized transactions [7][11]. Group 3: Technology and Security Implications - NFC technology, while convenient for payments, has been exploited by criminals for remote theft, emphasizing the need for users to safeguard their personal information [9][13]. - Experts suggest that the NFC feature itself is not inherently insecure, but the misuse of personal data is a significant risk factor [11][13].

Core Points - A recent court ruling in Beijing confirmed the conviction of a credit card fraud gang that stole over 1 million yuan from multiple victims through remote binding of credit cards to electronic wallets [1][4] - The fraud involved phishing techniques to collect victims' credit card information, which was then used to make unauthorized transactions [2][3] Group 1: Fraud Methodology - The fraudsters used phishing messages to lure victims into providing their credit card details on fake websites [2][3] - Once the information was obtained, it was bound to NFC-enabled phones, allowing the criminals to make transactions without the victims' knowledge [3][7] - The gang operated by creating fake merchant accounts to facilitate money laundering of the stolen funds [3][4] Group 2: Legal Proceedings - The Beijing court sentenced several members of the fraud gang to prison terms ranging from 10 years to 3 years for credit card fraud and money laundering [4] - The recent ruling upheld the original sentences, indicating a strong legal stance against such cybercrimes [4] Group 3: Security Implications - The rise of NFC technology has made it easier for fraudsters to exploit vulnerabilities in mobile payment systems [5][8] - Security experts emphasize the importance of safeguarding personal information to prevent such frauds, highlighting that the NFC technology itself is not inherently insecure [8][9] - Recent updates to electronic wallet products have been implemented to prevent binding of non-owner credit cards [8]

Core Insights - "Alipay Tap" is expanding as a convenient payment method, with Pizza Hut launching the feature in over 300 stores in Shanghai and Hangzhou, enhancing customer engagement and satisfaction [1] - The feature has gained over 100 million users within 321 days of its launch, covering more than 400 cities and involving millions of merchants [1][2] - The technology behind "Alipay Tap" utilizes NFC (Near Field Communication), simplifying transactions and enhancing the payment experience by allowing users to complete payments without opening the app [2] Industry Trends - Experts predict that more businesses will adopt smart solutions like "Alipay Tap," making it a standard in the restaurant industry, with potential extensions into self-checkout and personalized recommendations as technology advances [2] - The China Council for the Promotion of International Trade indicates that payment innovations like "Alipay Tap" are crucial for consumer recovery, broadening consumption scenarios and enhancing payment convenience [2] Company Insights - Key suppliers for "Alipay Tap" include Lens Technology, Orbbec, and Fudan Microelectronics, with Fudan Microelectronics providing high-performance NFC chips [3] - Companies like Goodix Technology supply NFC/eSE chips to smartphone manufacturers, with over 200 million NFC-enabled smartphones shipped in China in 2024, driving demand for smart card modules [3] - Analysts believe that the NFC industry, represented by "Alipay Tap," is on an upward trajectory in China, with significant growth potential for related companies as the payment method becomes more widespread [3]

答案在今天已经变得明晰。 4 月 24 日的 "支付宝碰一下" 生态大会上，官方公布了项目的最新数据："碰一下" 用户超过了一个 亿，覆盖了 400 多个城市，增长速度比当时的现象级产品 "余额宝" 还快。 再建一个新入口。 在大公司里创新的最大困难是，在没有实际成果之前，很难让所有人达成一致。 这是 85 后工程师，"支付宝碰一下" 项目的负责人李佳佳在立项之初遇到的问题。做它的好处显而易 见，比如能大幅简化支付步骤，能帮助商家更好地吸引消费者，但反对的理由也很合理，扫码支付已 经非常普及，改变用户习惯太难了。甚至有同事拿银联十几年未能成功推广 NFC 支付，质问支付宝 凭什么能做到。 一切反对的声音背后都指向同一个问题：移动互联网时代发展至今，扫码、刷脸等服务交互方式如此 多元、且已经足够方便，当下还有必要、有可能创造一个新的入口吗？ "碰一下" 也不再局限于支付，点餐、门禁、景区闸机，更多的功能被开发，更多的场景和生态加入进 来。 生态大会当天，李佳佳站在舞台中央说完最后一段话时一度哽咽。他说，在过去三百多天时间里，我 们见证了 "它" 从一个实验室一路走过来，今天，"碰一下" 已经成为一个新的入口。 ...