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故意屏蔽竞争对手?苹果支付争端终于有了答案

国际资讯基于互联网平台的金融业务

故意屏蔽竞争对手?苹果支付争端终于有了答案

此前,苹果支付曾遭到瑞士移动支付服务商TWINT的控诉。

在提交瑞士竞争委员会WEKO的文件中TWINT表示,当iPhone用户将手机靠近移动支付终端进行二维码扫描的时候,Apple Pay总会自动启动,而TWINT应用程序则会“很自然地消失”。

TWINT认为,苹果公司的这一行为有违公平竞争。

近日据路透社报道,目前WEKO已经解决了这一投诉。

WEKO表示,苹果已经承诺为TWINT提供技术能力,以便在使用TWINT应用程序的付款过程中防止Apple Pay自动启动。

然而,一份关于MacPrime的报告表明,苹果公司与WEKO之间的麻烦还远没有结束。

WEKO还在继续调查苹果是否会继续为其移动设备中的NFC芯片功能设置门槛,导致其只能用于自有支付服务。2016年,瑞士消费者保护基金会(SKS)就曾因这一问题向WEKO提起诉讼。

不过自iOS 9以来,苹果公司已经提供了抑制Apple Pay自动激活的功能。不过该功能仅会在应用程序位于前台时才会起作用,当应用程序进入后台时,Apple Pay界面会自动重新启用;但是,如果应用程序恢复,Apple Pay界面将再次自动被抑制。

至于为什么苹果从一开始就不授予TWINT公司NFC芯片访问许可,业界普遍有两种猜测:

首先,TWINT可能是试图获取iPhone的NFC芯片服务功能的公司之一,而苹果公司在争议阶段并不愿与之合作。其次,瑞士当地银行和金融机构被指控故意抵制Apple Pay以提高TWINT的使用率,因此苹果公司可能不会倾向于与该组织合作。WEKO方面表示,将继续调查这一指控。

但就目前而言,如果瑞士iPhone用户的确想使用或者只能使用银行提供的QR支付系统,而不是相对安全的Apply Pay来说,那还是可以实现的。

An investigation into Apple blocking the use of rival mobile payment service TWINT in Switzerland has been resolved – though a related one is still in progress.

The company behind the TWINT app, which allows a phone to scan a QR code on a retail terminal to make a payment, had complained that Apple Pay was making the app impossible to use. Any time an iPhone user brought their phone close enough to the payment terminal to scan the code, Apple Pay would automatically launch, effectively booting the TWINT app off the screen …

TWINT complained to the Swiss competition commission, WEKO, that Apple was guilty of anti-competitive practices.

WEKO says that the complaint has now been resolved, reports Reuters.

“Apple has committed to provide TWINT with the technical capability to suppress the automatic launch of Apple Pay during the payment process with the TWINT app,” WEKO said, adding it was ending a preliminary probe against Apple following the pact.

However, a report on MacPrime suggests that this may not be the end of Apple’s troubles with WEKO.

The Competition Commission continues to investigate whether Apple may continue to block the NFC chip in its mobile devices only for its own services such as Apple Pay or whether the company must unlock the chip for other services – such as other payment solutions. The Consumer Protection Foundation (SKS) filed a lawsuit with the WEKO in the summer of 2016.

Apple has offered apps the ability to suppress automatic Apple Pay activation since iOS 9.

Use this method […] in apps that are required to stay in the foreground when operating near NFC or other RF readers. This method prevents the iOS device from automatically displaying the Apple Pay passes when it detects a compatible reader. This suppression occurs only while the app is in the foreground. The Apple Pay interface is automatically reenabled when the app goes to the background; however, if the app resumes, the Apple Pay interface is automatically suppressed again.

However, the company does require developers to obtain permission to use the function. It’s not immediately clear why Apple would not have granted permission to TWINT from the start, but two possibilities come to mind.

First, it may be that TWINT was one of the companies trying to obtain access to the NFC chip, and Apple wasn’t willing to cooperate while that dispute was active. Second, banks and other financial institutions in Switzerland have been accused of deliberately boycotting Apple Pay in order to boost usage of TWINT, so Apple may not have felt inclined to cooperate with the organization. The competition commission is still investigating that accusation.

But for now, Swiss iPhone users who want to use a clunky QR-based system in place of the more secure Apple Pay option – or whose bank gives them no choice – should be able to do so.

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