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谷歌钱包vs亚马逊钱包:哪款移动支付app更值得拥有?

谷歌公司打算在普通钱包上添加谷歌钱包app。通过与一张银行卡或者银行账户连接,你就能在一家支持近场通信(NFC)功能的零售商店用这个app购物,只需要把含有NFC芯片的智能手机刷一下支付终端就可以了。

google wallet 1 第1张

(亚马逊钱包能使用你所有的赠品和优惠卡,你不用再随身携带那么多卡片了)

亚马逊公司也不能坐视谷歌公司在这个新兴的移动支付市场上抢占重要地位。上周,亚马逊公司推出了亚马逊钱包的测试版(Amazon Wallet Beta),这款app已经能在谷歌电子市场下载,并且每支Amazon Fire Phone上都提前装好了这个应用。

我最近都体验了这两款app,了解了它们的优缺点。老实说,亚马逊还处在测试阶段,谷歌钱包已经用了几年了。两款app都有一些优点,也都有不足之处。

亚马逊钱包侧重优惠和会员卡

亚马逊钱包把它现有的特性展示得很好。你可以通过扫描条形码或者输入账户号码来添加一个优惠或者一张会员卡信息。把卡片正反面都拍下来也能当作一种依据,因为这种方法可以提供数码拷贝信息,这样你就不用随身携带银行卡了(当然,它同时也会把数据添加到亚马逊的数据库里)。

要兑换卡上的优惠券时,亚马逊钱包可以生成二维码或者条形码,这样零售商就能扫描二维码获取信息。但是用这个钱包也会遇到麻烦,因为许多商家不能扫面二维码,所以你的优惠券信息可能很难被读取。

google wallet 2 第2张

(亚马逊钱包可以生成条形码和二维码让商家扫描。但是,许多商店没有安装扫描二维码的软件。)

亚马逊钱包遇到的另一个问题是,现在许多商店和餐馆用客户的电话号码办理会员卡。虽然亚马逊钱包能对这些会员卡信息进行整合,但大多数商店已经为客户提供了这一便利,只要客户报出电话号码就能得到优惠了。但最近我不得不用亚马逊钱包扫描我的宜家会员卡了,因为使用优惠信息时,宜家要求我提供会员帐号了。

专为Fire Phone 打造

亚马逊钱包与Fire Phone融合得很好,这并不奇怪。亚马逊钱包采用“魔术窗”扫描条形码,并且能频繁地使用会员卡上的信息。其次,如果登录amazon. com/ wallet 界面,你还能看到任何储存在亚马逊平台里的借记卡和信用卡信息。

一切都表明,移动支付已经与亚马逊钱包完美结合了,也没有什么比使用亚马逊钱包可以让即时购物简单便利更好的理由了。如果你通过亚马逊云或者Fire Phone进行数字购物,亚马逊钱包是一个明智的选择。接下来亚马逊公司很可能推出许多与亚马逊钱包相匹配的app,服务以及硬件产品。

谷歌钱包颇有野心

google wallet 3 第3张

(谷歌钱包远不止是一个移动支付应用,它支持会员卡余额查询业务和转账业务。)

谷歌的产品常常有这样的特点,app集解决方案一体化于一身。谷歌钱包不仅支持即时支付功能,还能显示谷歌团购优惠,用户的付款记录、赠品、会员卡信息、余额以及转账信息。

谷歌钱包很考验用户的运气,因为并不是所有的零售商都支持NFC支付,要是那家店没有这种服务,谷歌钱包也就无用武之地了。最近我在Jamba Juice果汁店用谷歌钱包付钱,成功付款前久经历了一些曲折。其他时候付款速度就很快,那些手机不支持这项功能的顾客对此都感到不便。

谷歌公司通过在谷歌钱包账户上绑定一张物理借记卡来完善NFC支付的缺陷。它的功能相当于一张MasterCard。它的缺点是,使用前你必须先把钱从关联账户或者借记卡/信用卡转到谷歌钱包,否则交易将失效。

谷歌数据是强大的后援

虽然亚马逊钱包和谷歌钱包都能存储各种各样的赠品和会员卡信息,但是就现在来看,谷歌钱包更强大。如果你想添加一项支持反馈功能的服务,谷歌服务器会将此命令传递给谷歌云的账户,然后向你提供即时的账户信息。

google wallet 4 第4张

(轻敲谷歌钱包,手机支付快捷便利)

例如,想要添加一个American Eagle品牌的反馈账户,亚马逊钱包会把信息存在app里,用公司的图标标记。但是谷歌钱包会提醒我这条信息是错误的,因为它与American Eagle的记录不匹配。事实果真如此,因为我之前在American Eagle网上改过了地址,而手机的反馈账户使用的是旧地址。

谷歌钱包提供了安全保障

亚马逊钱包和谷歌钱包都有安全设置,这两款app的登录界面被一个四位数的PIN码锁定了。需要访问特价卡信息时,亚马逊钱包要求用户提供PIN码;而谷歌钱包则在闲置15分钟后重新登录app时需要输入PIN码(超时限制可改为1天或完全无效)。

无论使用哪款app,它们都可以让你把钱包放在一边了。谷歌钱包更有前景,因为零售商店开始慢慢接受NFC功能了。而亚马逊钱包毕竟还处于测试阶段,但是鉴于亚马逊公司的雄心壮志,我们就对它推出更好的app翘首以待吧。

Google aims to make carrying a physical wallet obsolete with its Google Wallet app. By connecting a card or bank account, you can use the app to pay for anything at a retailer that supports Near Field Communication (NFC) payments, just by touching the payment terminal with a smartphone that has an NFC chip.

amazon wallet 第1张Amazon Wallet can have all your gift and loyalty cards at the ready so they can be left at home.

Yet Amazon is not content to sit by and let Google conquer the burgeoning mobile payment market. Last week the company launched Amazon Wallet Beta. It is available now in Google Play and comes pre-installed on the Amazon Fire Phone.

I recently took both apps for a spin to gauge their relative strengths and weaknesses. To be fair, Amazon is still in Beta and Google Wallet has been around for a few years. Both apps sport some strong conveniences and some weak points.

Amazon Wallet focuses on gift and loyalty cards

Amazon Wallet handles its current slate of features fairly well. You can add a gift or loyalty card by scanning the barcode or typing in the account number. Taking a picture of both sides of the card also serves as a visual reference and gives you a digital copy so you can leave the plastic behind (it almost certainly also adds it to Amazon’s data collection).

When it comes time to redeem the card, Amazon Wallet creates a QR code or barcode so it can be scanned by the retailer. Its utility is a little hampered by the fact many retailers do not have the ability to scan a QR code, so you may be stuck reading off the numbers anyway.

amazon wallet 第2张Amazon Wallet puts a barcode or QR code in front for the retailer to scan. However, some stores may not yet have the software to scan a QR code.

The other issue in this arrangement is that many stores and restaurants now accept your phone number as the method for crediting your loyalty account. While Amazon Wallet provides a good way to de-clutter a wallet full of loyalty cards, most stores have already done this for me by allowing me to just give out my mobile number. But having my IKEA card scanned into my Amazon Wallet helped me recently, as the Swedish furniture king requires an account number.

Made for the Fire Phone

Amazon Wallet is, not surprisingly, more deeply integrated into the Fire Phone. Amazon Wallet utilizes the “Magic Window” for scanning bar codes and will place frequently used cards in the carousel. Also, visiting amazon.com/wallet shows you which cards are entered into the app, including any debit or credit cards stored in Amazon.

All this indicates that mobile payments is likely on Amazon’s mind, if for no other reason than using Wallet to make on-the-fly Amazon purchases that much easier. If you live much of your digital shopping life in Amazon’s cloud or are contemplating the Fire Phone, Amazon Wallet could be a wise choice. The company is very likely to build up its feature set and more tightly integrate it with Amazon apps, services, and hardware.

Google Wallet has large ambitionsgoogle wallet 第3张Google Wallet offers far more than just mobile payments, supporting services such as loyalty club balances and sending money to others.

As is often the case with a Google product, the app seeks to be an all-in-one solution. Not only does Google Wallet support tap-to-pay functionality, it also shows any saved Google Offers (the company’s Groupon competitor), payment history, gift/reward cards and balances, and the ability to send and request money from others.

Using Google Wallet is a hit-and-miss experience. Not all retailers support NFC payments, and if your store doesn't, the app is rendered useless. When I recently used Google Wallet at Jamba Juice, the payment needed some extra think-time before going through. Other times it has been very rapid, drawing raised eyebrows from other customers who clearly had not seen anyone pay with their phone before.

Google has sought to remedy the lack of NFC payment options by offering aphysical debit card tied to your Wallet account. It functions as a MasterCard that debits from your Google Wallet balance. The downside is that you must first move money into your Google Wallet from a linked bank account or debit/credit card prior to using it, or transactions will fail.

Google’s data power gives it an advantage

While both Amazon Wallet and Google Wallet act as storage for various gift and loyalty cards, Google Wallet’s solution is currently more powerful. When you add a supported rewards service, Google’s servers talk to the account in the cloud and can provide real-time account information.

google wallet 第4张With Google Wallet just tap with your phone to pay for that smoothie.

For example, when adding an American Eagle rewards account, Amazon Wallet took the information and stored it in the app, complete with a company icon. However, Google Wallet alerted me there was an error in that the information did not match American Eagle’s records. Sure enough, my rewards account had an old address. Once I changed it online, the account took.

Google Wallet offers the security edge

Both apps have a security feature where access can be locked with a four-digit PIN. Amazon’s PIN will lock users out of specific cards, while Google Wallet requires the PIN just to access the app after 15 minutes (the timeout can be changed to one day or disabled completely).

Neither app has reached the point where you can ditch your wallet. Google Wallet shows more promise, even as retail outlets have been slow to embrace NFC. Amazon Wallet is still in its beta stages, but given Amazon’s tremendous ambitions, look for the app to power up soon.


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