最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯基于互联网平台的金融业务

本田汽车带你领略车载移动支付系统

车载移动支付系统这个主意听起来很不错,特别是对那些经常通过商店或银行的“免下车”服务窗口进行购物的人。

本田公司也看中了这个市场,并且已经开始联合支付业巨头Visa开发车载移动支付系统。不用下车一样可以完成支付,比如在车上支付汽油费和停车费等等。

Visa已经对这项新技术手段研究了一段时间,目前的研究成果暂定为Visa Token服务。这些Token(数字化账号中的数据)可以安全地存储在移动设备上,并为移动支付提供一个安全的操作平台。

目前,Visa已经开始寻求与芝加哥的ParWhiz等公司的合作,在包括纽约和旧金山等城市开始车载支付停车费的服务。

用户还可以选择一个单独的自定义应用程序,这个程序以加油站周边服务为服务核心,用户不仅可以提前支付油费,也可以提前为在加油站便利店购买的物品买单。

这种“免下车”移动支付系统的出现,不仅可以使用户在车内驾驶的同时就可以支付食品,而且按照每天平均有数十个汽车使用此项服务计算,可以大大提升“免下车”服务的用户体验。而且通过这项服务,“逃油者”将无机可寻,因为用户在离开之前就完成对汽油的支付。

如果我们再进行一些改进呢?如果让我们在车内为汽车杂货买单?从理论上讲,我们需要的只是将汽车连接到杂货店的支付网络,然后一切就可以轻松搞定了。我们甚至可能会增加一些基于硬件的安全性措施,如双因素身份验证,甚至生物识别技术,甚至可能将其连接到汽车钥匙的令牌(Token)中。

无论从便利性还是安全性来看,车载移动支付系统的想法都可能成为升级购物体验的一种绝佳方式。虽然有些车型不具备这项服务,但这种支付服务的前景还是不错的。

 

A car-based mobile payments system might seem exciting, especially to those who transact a lot of business via drive-up window.

Honda, meanwhile, seems to find this just as exciting a notion, and has thus teamed up with Visa to demonstrate a new system of mobile payments from a car, which could allow those who need to pay for an item to do so without getting out of the car.

Visa has been working on such an approach for some time, reports note, and its Visa Token Service was the result.

The tokens—digital account numbers—can be safely stored on mobile devices, and that makes it a good safe platform for mobile payments.

A platform that was sufficient for Honda and its Honda Development Studio to get interested and bring in a proof of concept that would let Honda drivers do things like pay for gas, parking, or other things while still behind the wheel.

So far, Visa believes it’s made plenty of progress on the goal, turning to businesses like Chicago’s ParkWhiz to reserve and pay for parking in several cities, including New York and San Francisco.

A separate custom app worked more toward gas stations, allowing users to not only pay for fuel but also pre-pay for items in an attached convenience store.

The idea of such a system can have impressive ramifications. Not only could we potentially see a system where users pay for food at a drive-through from the car—a move which, when averaged over several dozen cars a day, could speed up drive-through performance—we could also see it where gas drive-offs are impossible, as the car would pay for the gas before leaving.

What if we augment it from there? What if we let our cars pay for groceries? Theoretically, all we’d need is a means to connect the car to the grocery store’s network, and it could make its own payments. We could even potentially add some hardware-based security measures like two-factor authentication or even biometrics, potentially even connecting it to a token in the car key.

From convenience to potentially better security, the idea of a car-based mobile payment system could be a great way to perk up the entire shopping landscape. While some models won’t even have the service, it will still be exciting to see just how it all works out in the end.


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潘璠 | 未央团队未央编辑团队

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总文章数

五道口金融学院,金融专业硕士

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