云闪付在第三方支付行业中的票数：3212
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中国银联股份有限公司，云闪付，中国银联联合商业银行、支付机构共同开发建设运营的移动支付APP，银行业统一移动支付APP
云闪付，即以智能手机为基础，基于NFC的HCE和Token技术的一种支付方式。
体验“云闪付”需要三大步：首先需要拥有一部具备近场支付（NFC）功能、安卓系统的手机；持卡人需在所属银行的手机APP中绑定自己的银行卡，生成一张云闪付卡，相当于实体银行卡的“替身卡”；在超市、商场收银台具有银联“闪付”标识的pos机前，收银员输入支付额度后，消费者只需点亮手机并轻轻放置在POS机附近，在“滴”的一声后输入密码，就完成了整个支付过程。
“云闪付”不需要“解锁、亮屏幕、打开APP”等步骤，直接亮屏即可“刷手机”支付；而扫码支付则需要打开微信和支付宝的APP，启用摄像头和对应的扫码功能，联网确认后才能完成支付。
英文翻译：China UnionPay Co., Ltd., cloud flash payment, a mobile payment app jointly developed and operated by China UnionPay, commercial banks and payment agencies, and unified mobile payment app cloud flash payment in banking industry, which is a payment method based on smart phones and NFC based HCE and token technology. There are three steps to experience "cloud flash payment": first of all, a mobile phone with NFC function and Android system is required; the cardholder needs to bind his / her own bank card in the mobile app of his / her bank to generate a cloud flash payment card, which is equivalent to the "Avatar card" of the physical bank card; before the POS machine with UnionPay "flash payment" logo in the supermarket and shopping mall, the cashier inputs After entering the payment limit, consumers only need to light up their mobile phones and gently place them near the POS machine, and input the password after a "drop" to complete the whole payment process. "Cloud flash payment" does not require "unlocking, lighting the screen, opening APP" and other steps. The direct screen can be used to pay for the "mobile phone". The scan code payment requires the opening of WeChat and Alipay's APP, enabling the camera and the corresponding scan code function. After the confirmation of the network, the payment can be completed.
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