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世界最大移动支付公司WorldPay推出VR支付功能

随着科技的发展,虚拟现实技术已经越来越被人们所熟知,其应用也越来越广泛,微软、谷歌等各大科技巨头也纷纷开始研发并推出自己的VR/AR产品或应用,使得VR/AR这个两三年前还尚且稚嫩的行业,近年来也呈现出了井喷式的发展趋势。

此前,世界最大的移动支付运营商WorldPay宣布计划进军虚拟现实(VR)领域,并将推出新的数字支付产品。近日,WorldPay基于自身全球支付服务处理的经验,推出了解决方案的验证性测试(Proof of Concept),它可使购物者在付款时无需离开虚拟世界,却同样享受店内和在线支付时的便利性和安全性。该解决方案的原型设计使用主机卡模拟(HCE)技术来虚拟化整个购买流程,其工作方式与非接触式支付相同,类似于我们平时使用的移动支付服务。同时,该公司还公布了一段视频,展示了公司研发的VR付款方案。

从视频中可以看出,用户在一个虚拟的环境中,只需要拿起物品就可以查看相应的价格,几秒种后进入到付款模式。空中会浮现出用户已经和系统绑定的银行卡,选择想要付款的银行卡放置到POS机上,当物品价格低于30英镑(约39美元)时,可以进行免密码支付。当物品价格高于设定值时,需要用户进行密码验证来完成支付。

在WorldPay之前,已有多家科技公司试水VR支付。去年,MasterCard和VR可穿戴设备公司Wearlity联手,展示了如何在PGA Tour高尔夫球赛活动中使用VR进行电子支付。

此外,5月25日,WorldPay还在北京举办了最新的VR/AR研究报告媒体沟通会,公布了一系列的市场调查数据。

通过对8个国家的1.6万名消费者进行调查,得到了以下结果:

  • 84%的受访者认为VR/AR技术是购物的未来
  • 92%的消费者希望看到更多使用VR/AR技术的零售应用程序
  • 95%的中国消费者在过去三个月曾使用过VR/AR技术
  • 49%的中国消费者表示,VR/AR环境下所呈现的产品或消费体验更容易让他们产生冲动,并进行购买

现阶段,VR科技仍属于新兴领域,其发展前景受到了来自各方面的质疑。然而,以Facebook为代表的科技公司正在加大对VR产业的投资力度。

早在2014年,Facebook就以20亿美元收购虚拟现实设备Rift VR的制造商Oculus,当引起了舆论的一片哗然。而在今年的Facebook年度盛会F8开发者大会上,该公司又发布了多款VR/AR的重量级产品,包含一款VR社交平台产品、一款AR平台产品以及两款AR工具应用。

目前,Facebook的VR 团队已经发展到 1 千多名员工,超过公司总员工数量的5%。

在今年3月的阿里云栖大会上,蚂蚁金服也宣布将上线VR支付功能,小米、华为等平台也成为了首批支持支付宝VR支付的国内电子平台。

With virtual reality (VR) seemingly infiltrating every facet of our lives, from movie theaters and theme parks to TV broadcasting and internet searches, it’s only a matter of time before companies figure out how to make it easy for people to pay for things while immersed in their virtual worlds. And this is exactly what Worldpay is currently investigating.

The payments processing giant has developed a proof of concept that demonstrates how shoppers could pay for things using their bank card while inside a VR environment.

The prototype setup adopts Host Card Emulation (HCE) — virtual representation technology that’s similar to what’s used in mobile payments services such as Android Pay — to recreate a real-world payment experience inside a VR application.

Using EMV, an authentication technical standard for payment cards, Worldpay’s prototype works in pretty much the same way as any other contactless payment mechanism. The shopper taps a virtual card across a virtual card machine for purchases amounting to less than £30 ($39), and for amounts more than that Worldpay has created a new technology it calls AirPIN, which allows users to enter their PIN number through a virtual keypad.

This isn’t the first time a payments company has dabbled in the world of virtual payments. Last year, MasterCard partnered with Wearality, a company that develops VR glasses and other wearables, to showcase ecommerce payments through VR at a PGA Tour golf event.

Nascent

Though VR is still a nascent technology, with many questioning whether it will ever become a mainstream platform, companies such as Facebook are investing significant resources in the area.

Last month, Facebook unveiled a beta platform for social virtual reality that it calls Facebook Spaces, showcasing Facebook’s ambitions for VR, which extend far beyond playing games. “VR is naturally a social platform, and we are building it with people at the center,” explained Facebook’s Rachel Franklin during the company’s F8 developer conference in San Jose. “It’s an extension of who you are, and the technology lets your humanity shine through.”

Facebook recently revealed that more than 5 percent of its workforce is currently dedicated to AR and VR.

“As technology moves on, so do the needs of consumers,” noted Nick Telford-Reed, director of technology innovation at Worldpay. “As a leading payments company, it is our responsibility to consider where the next generation of payments will take place. We have built this prototype to provide a seamless, secure payment option for consumers in a virtual world. The benefits for merchants experimenting with virtual and augmented reality could be significant.”


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