苹果反击：拒绝为巴西银行提供 iPhone NFC “免费午餐”

IT之家02-20

IT之家 2 月 20 日消息，科技媒体 9to5Mac 今天（2 月 20 日）发布博文，报道称苹果回应巴西反垄断监管机构（CADE）的调查，指责当地银行和支付机构试“搭便车”，在不支付费用的情况下使用 iPhone 的 NFC 支付功能。苹果主张认为，强制免费开放 NFC 权限将导致其无法回收研发与安全审计成本，且第三方提出的访问模式会增加用户操作摩擦。IT之家援引博文介绍，冲突的导火索在于...

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权限将导致其无法回收研发与安全审计成本，且第三方提出的访问模式会增加用户操作摩擦。IT之家援引博文介绍，冲突的导火索在于巴西即时支付系统 Pix。该服务计划从传统的二维码扫描支付，升级为更便捷的 NFC“一触即付”模式。谷歌早已在安卓生态中向 Pix 开放了 NFC 权限，而根据苹果设置的规则，任何调用 iPhone NFC 芯片进行非接触式支付的交易，苹果都会收取手续费。这引发了 CADE 及多家巴西银行的不满，认为此举构成了反竞争行为。面对指控，苹果抛出了一组数据作为回击。苹果强调，iPhone 在巴西智能手机市场的占有率仅为 10% 左右，处于绝对少数地位。因此，即便 Apple Pay 在当地已被 40 多家银行采纳，也远未达到主导市场的程度。苹果以此为据，试图证明其对 NFC 收费的政策并不构成垄断，也无法以此操纵整个支付市场。除了商业逻辑，苹果还打出了“体验牌”。苹果辩称，Apple Pay 与系统底层的 Apple Wallet 深度集成，能提供无缝且安全的支付体验。相比之下，第三方 NFC 接入模式（如 Pix 所期望的）会引入额外的操作摩擦，例如用户在切换不同银行卡时需要重新选择支付方案，这不仅降低了便捷性，还可能削弱用户的安全感。苹果强调，现有的收费模式是基于其提供的安全服务与技术价值，巴西法律并未禁止此类商业收费行为。","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"-1","news_tag":"policyRegulatory","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":0,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; 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