UnionPay mobile phone flash payment is based on connectionless technology, which realizes offline contactless payment for mobile devices such as mobile phones and supports remote online payment, including Apple, Huawei, Samsung, Xiaomi, Meizu, Hammer brand Pay and HCE products.

China UnionPay Express uses a mobile phone instead of a card to complete the flash payment transaction, and the mobile phone is simulated as a "bank card". Holding this "bank card", he approached the driver and entered the password to complete the transaction.

The reason why a mobile phone is a "bank card" is because there is a chip similar to a bank card in the mobile phone, which can be understood as NFC. When all kinds of payments are opened, a virtual card number will be applied to the bank and written into the NFC chip in the mobile phone. At this time, this chip is simulated as a bank card, but this card is actually invisible, and the bank has a record of this card, so it can pay.

NFC can store multiple virtual card numbers, so it can bind multiple bank cards. Of course, due to the limitation of chip algorithm, the number of bank cards that different mobile phones can bind is also limited.

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Advantages of unionpay mobile phone flash payment:

1, bank card account management function

Binding UnionPay cards can be supported in related mobile phone flash payment apps.

By clicking on the bound bank card, you can inquire about customer service phone number, SMS service, nearby ATM machines, integral rules and other information, and you can also enjoy the following 9-speed consumption management functions:

(1) Inquire about the domestic and overseas rights and interests of bank cards;

(2) the function of quickly browsing consumption details;

③ Consumption analysis function.

2. Mobile payment function

UnionPay China UnionPay Express users can make daily consumption payments such as code scanning, payment and collection on the homepage of "Card Package" as long as they have tied their cards. In addition, if your bank card is enabled with mobile phone flash payment, they can realize "one-click payment" when using it, and the transaction payment can be completed by placing the mobile phone near the POS machine or self-service terminal.

3. Other functions

It is reported that other functions in China UnionPay Express APP, such as the opening and application of three types of bank accounts, credit card bill inquiry and repayment, debit card balance inquiry, inter-bank repayment, and mobile phone flash payment application card, are also being continuously optimized.