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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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