Can a membrane keep telecom operators out of the mobile payment door?

In these two days, many colleagues in our company have put the film on their SIM card. Because I wrote a few articles about the payment of mobile phone, mobile phone purse company contacted me, to show me the technology of mobile phone payment, so I put it on my colleagues.

The core of this mobile phone payment is the need to put a mobile phone card on the SIM card, which is a very thin chip, torn off and affixed to the SIM card, which continues to connect the pin of the SIM card, while adding its own information. The film http://www.aliyun.com/zixun/aggregation/34000.html ">sim card back to the phone, the mobile phone in the SIM card application, there appears the" mobile phone purse "menu. After setting your own login password, you can select your own carrier and activate it.

After that, you can put a piece of yourself, or even more than a bank card on this phone, and your SIM card users, more "mobile phone purse" menu. Enter login password, login, there will be "pending orders" "Transfer Remittance" "Credit card Repayment" "Money Bag Mall" "Recharge" "Bank card Balance Inquiry" "Transaction" "my bank card" and other menus. This means that you have an ATM installed in your mobile phone, in addition to not immediately, can not save money, such as payment, transfer, prepaid, you use a mobile phone, on the bus can be completed immediately. I tried to use it to pay a credit card. Before this thing, really is a very troublesome matter, want repayment, need to go to the bank to line up, now I use mobile phone to do an operation, less than 5 minutes, in the office to complete.

During this time, I raised the question of whether the mobile phone payment would be an operator marginalised, many people take for granted that, since it is a mobile phone to pay, it can not be separated from the operator, then I now use this mobile phone money bag card, is not too need operators, whether it is hairpin, certification, including the operation of the purse, are not related to the operator, Of course, it is not without relationship, because the network operators need to carry out information transmission, and now mainly in the form of text messages, which is related to operators, it can be said that in this system, the operator has become a completely channel. The whole process of issuing and paying is not related to the operator.

I have always thought that the next 3G era, toll platform, is the fundamental development of operators, I often talk about why telecom operators than the radio and television industry to make more money, is more than a fee platform, because the fee platform, in order to manage the business, different business for different charges, for different customers, the implementation of different management. Management and differential pricing can be effective. 3G gives operators a huge opportunity, that is, this payment platform can be extended to all areas, and can be managed and charged for all businesses, a very, very large gold mine.

However, how to seize this opportunity, how to build this platform, can be at war in a favorable position, it is still unknown, we are very easy to think, mobile phone payment, naturally inseparable from the operator, but I have seen more and more systems are not very need operators, or only the operator as a conduit for communication, and card issuers, Business management, certification, payment, transfer, transactions do not require operators. I believe that the operator can never be separated from the channel, but in addition to the channel, how operators to play their role? How the payment system is built, how to establish its position through business and management, is still very much in the clear.

May be really a membrane to the operator in the mobile phone to pay the door outside, which requires operators to think more, early out of the way. I also want to make some of my thinking more and telecom operators to communicate.