Text | One Observation Su Yi

It can be said that the Huawei Wallet, which was upgraded with the release of P40, has successively opened up three important layouts in the smart full-scenario ecosystem.

The newly released Huawei Card by Huawei Wallet is an exclusive digital credit card launched by Huawei to its mobile phone users.

So what are the highlights of this credit card?

1) Quick online card application: Users can quickly apply for and receive Huawei Card through Huawei Wallet, and the card will automatically be bound to Huawei Pay after activation. Compared with traditional credit card application, Huawei Card does not need to wait for a long card processing process.

2) Minimalist card surface design: Judging from the information released at the press conference, Huawei Card abandons the complicated card surface style of traditional credit cards and only highlights Huawei’s brand attributes, UnionPay card standards and long-term use. The three most important elements of the cardholder's name highlight its exclusivity and sense of dignity.

3) Full online management of cards: Huawei Card can realize full online management of cards in the Huawei Wallet APP, without switching bank APPs. Cardholders can use Huawei Wallet to conduct real-time limit inquiries, online repayments, consumption classification statistics, cash rebate inquiries, etc., helping users understand their consumption status more quickly and comprehensively.

4) Convenient payment experience: Huawei Card is highly integrated with Huawei Pay payment service. After Huawei Card is activated, Huawei Pay will be activated simultaneously. Huawei Card can be used for payment in scenarios where Huawei Pay is allowed for online and offline payments. In addition, since it is a credit card, Huawei Card can definitely be bound to third-party payment apps and used, and the consumption scenarios of credit cards will also be fully covered.

5) Selection of rich benefits: Huawei Card provides users with a wealth of card benefits. In addition to basic benefits such as cash rebates and annual fee exemptions, it also provides Huawei application membership benefits. In addition, for high-end users, For business travel needs, Huawei Card also provides service benefits such as airport/high-speed rail VIP lounge privileges.

6) Double security guarantee: Huawei Card has dual protection of financial-grade security chip/microkernel-based TEE OS and biometric means to fully protect users’ card security.

From this point of view, Huawei Card comes confidently with sufficient strength and sincerity. Regardless of the card design, user rights or card application experience, it can be based on the actual needs and thoughts of users. We look forward to the official launch of Huawei Card, which will provide Huawei users with more and more comprehensive services.

With the release of the P40 series, Huawei Wallet can be said to have truly opened up the full-scenario experience of users’ digital life.

Multi-dimensional travel scenarios

Huawei Wallet also launches smart luggage key and car key functions this time.

The first batch of Samsonite smart business travel suitcases to be launched soon has the "mobile phone smart unlock" function. Compared with the traditional combination lock suitcase, which takes about 15 seconds to unlock, it takes about 15 seconds to unlock the Samsonite smart business travel suitcase with a Huawei mobile phone. It only takes about 1 second to unlock the suitcase. Users can use the NFC function to unlock the suitcase by "touching it", which solves the trouble of remembering secrets and entering passwords every time, and improves the safety of the suitcase during use.

For users who often drive, "forgetting" the car key and "carrying it with them every day" are a pain point. Just connect the Huawei Wallet APP or BYD Cloud Service APP to activate the car key function. The user can use the Huawei mobile phone to close the left front and rear view mirror next to the driver's seat of the car to complete the unlocking operation.

Even when the phone's screen is off, the battery is low, or even dead, car owners can still unlock and start the vehicle. At present, Huawei Wallet has reached a cooperation with BYD DiLink. The Song Pro model already supports the mobile phone car key function, and the sensorless Bluetooth car key will also be launched on the Hongqi H9.

It is understood that Huawei Wallet will cooperate with more brands in the future to support functions such as smart luggage keys and mobile phone car keys. Huawei Wallet will also become a “smart card” covering multi-dimensional user travel scenarios.

In addition, Huawei Wallet can activate the Huawei Pay transportation card function. It currently supports 41 transportation cards, covering 312 cities across the country. Among them, the Beijing-Tianjin-Hebei Interconnection Card can be activated for free, making travel smooth with one card. 307 city. When users arrive in a new city, they can open a local transportation card with one click without having to purchase any physical cards. It also supports online recharge and the function of raising a mobile phone to swipe the transportation card. When changing mobile phones, it can be migrated for free, solving the problem of many users of offline transportation cards. Pain point issues.

By cooperating with the Third Research Institute of the Ministry of Public Security, Huawei Pay is the first to support citizen network electronic identity (eID). Currently, it supports mobile phone check-in at more than 110 hotels in Shenzhen, and supports Dongguan Rural Commercial Bank and Xi'an Bank. , Jinshang Bank and other account opening authentication, as well as online APP identity real-name authentication such as Hanglv Zongheng, which will be expanded to many user travel scenarios such as high-speed railways, airports, and B&Bs.

Consumption and Financial Scenarios

Huawei Card functions mainly cover various online and offline consumption and payment scenarios for users.

In addition, Huawei Wallet also supports small change financial management functions, supports flexible deposits and withdrawals (0 handling fees for cash withdrawals), bank loans, and free credit card repayments. When you open an account, you will receive 100,000 account insurance. , you can also purchase monetary funds and enjoy stable returns similar to Yu'e Bao and Wealth Management.

Huawei is the terminal brand with the largest shipments and the largest number of smartphones in China. It also has a large number of high-end users and business users. It can be said that Huawei Wallet is accelerating the expansion of "change finance" and it is a general trend. It can improve users' capital return rate while ensuring the safety of users' funds and payment convenience.

Connecting the three major scenarios of office, community and home

For most working users, they have to shuttle between the three major scenarios of office, community and home every day. Huawei Wallet can digitize work cards, residential access control and home smart lock cards. At the same time, Huawei mobile phone security chips are used as digital identity carriers. The keys are stored in the security chips of Huawei mobile phones, allowing users to unlock three door security scenarios with one mobile phone. , while improving convenience and portability, it also brings stronger security.

Data shows that Huawei Wallet can complete the 13.56MHz frequency physical access card currently commonly used in residential areas through analog digitization, and has cooperated with Neighbor Linwai, Xiangyunmen, Xinghai IoT and other companies to complete community door keys The simulation entrance is opened.

Full-scenario smart life is the core transformation strategy of Huawei’s consumer business for the next ten years.

With the upgrade of the P40 series, Huawei Wallet allows users and the industry to clearly see the implementation of innovation in this core direction of change.

First of all, there is the "Smart Flash Card" function of Huawei Wallet, which solves the problem of using one terminal to provide users with an intelligent experience in all scenarios.

As Huawei Wallet integrates more and more of the above-mentioned payment, identification, travel, family and other scene functions, users must unlock - open the APP - and look for the corresponding card before each use. It will undoubtedly greatly reduce the user's convenience experience, especially in buses and subways with a large flow of people, and when holding heavy objects.

Huawei Wallet has launched the "Smart Flash Card" function for this purpose. The benefit is that it can intelligently identify the scene where the user is located, actively and accurately provide the required cards, and the user can complete the identification by raising his hand. , authentication, card swiping, "get everything done easily".

Secondly, there is the card migration function, which solves a full-scenario intelligent migration solution for user IDs across different physical terminals.

In the all-scenario smart era of the Internet of Everything, terminals are "decentralized" and seamless coverage of data and services means that users can call terminals that have a good experience in the scene they are in for services. It may be any terminal. Terminal type devices, such as wearable devices, car central control, etc., are not just recognition and payment completed through smartphones.

The card migration function not only solves the problem of "old card" balance migration when users switch phones, but also facilitates the integration of user data and application habits of Huawei wallet services such as Huawei Pay. After the function is officially launched, it will support the migration of many cards such as transportation cards, bank cards, door keys, car keys, luggage keys, and eIDs.

The maturity of any new technology and business ecosystem must have three prerequisite signs: the maturity of new payment methods, the explosion of products and applications, and the strong experience of lifestyle changes that combine with users.

China’s highly mature mobile Internet ecosystem and global innovation leadership are in fact inseparable from the widespread penetration of China’s mobile payments. Only by opening up the three links of payment, innovation and experience can a new ecosystem in the era of Internet of Everything be possible to achieve a closed business loop.

Huawei Wallet at the Huawei P40 China launch conference has been fully upgraded, allowing us to see that it has successively opened up three important layouts in the smart full-scenario ecosystem.

"One Observation" believes that in the era of the Internet of Everything, the digital world and the physical world will be infinitely close or even overlap, bringing about huge new technology product experiences and full-scenario intelligent lifestyle changes. With the new functions of Huawei Wallet released on P40, we have clearly seen Huawei's leading position in this direction of change.