Mobile payment Stealth: Many variables difficult to block "before the dawn" groping

UnionPay, operators vie for dominance, and the central bank's new rules set a threshold for licensing – although the current phone payments face many variables, it does not stop the industry's various "before dawn" groping. September 9, Guangzhou Yi Lian Commercial Services Co., Ltd. (hereinafter referred to as Yi) and UnionPay, Dell in Guangzhou signed a mobile payment application agreement, the first generation of UnionPay mobile phone payment standard products for the first time to apply to Dell's direct purchase transactions.　　Isian General manager Li Rogen on September 15, said in an interview with reporters, easy to join the machine payment model, through the cooperation with UnionPay, the main hope is to tap the payment potential of debit cards. Du, director of wireless operations at Tencent's Third-party payment platform Tenpay, said to reporters in the mobile phone payment, Tenpay new subscription tickets and water and electricity to pay two applications, follow-up action also includes the opening of lottery tickets, game point card recharge and other new applications, as well as add credit card payments, mobile phone network Bank to pay two kinds of new payment methods.　　In addition, Tencent will launch a mobile payment program based on the iphone and Android system in the year. Easy to target debit card Li Rogen says this is an easy to use machine for Dell's straight line order to pay without having to change mobile phone numbers or changing your phone settings. The specific mode is: When the customer calls the Dell call center by phone to order the computer product, simply enter the card number information of the UnionPay debit card to form the order.　　Then the consumer phone will receive UnionPay voice calls, confirm order information and through the phone input UnionPay card password, you can realize real-time mobile phone payment, complete product ordering. The model has been used in Ctrip before. "There are three main types of transactions under the mobile payment line: Cod, credit and debit.　　Li Rogen said take Ctrip's ticket hotel as an example, if the delivery of goods to the payment of the way, such as the time produced by mail and other high costs, and the use of limited credit cards, "so we prefer to use debit cards, so some remote places can be used to pay the way the mobile phone transactions." Central bank statistics show that by the end of 2009, China's cumulative issuance of bank cards 2.066 billion, of which 1.88 billion debit card, 186 million credit cards.　　Compared to a limited number of credit cards, the debit card based mobile phone payment has a larger customer potential.　　and taking into account the mobile phone payment to the important security issues, easy to join the machine payment model, and the DNA (Non-cash real-time payment of anti-theft methods and equipment System) patented technology, one of its core is the consumer account information and password information transmission through two transmission channels. The competition of the leading power "the platform can be accepted by a variety of national commercial banks issued UnionPay bank cards, not limited by telecom operators.　　Li Rogen said that the easy to join machine payment platform is mainly through the access to UnionPay across the information Exchange Center system.　　In fact, UnionPay and telecom operators are the two important roles of the mobile payment market, and they have been quietly competing for dominance. Consulting agency Analysys International analyst Zhangyanan to reporters that the current domestic handThere are two main modes of machine payment: one is the financial institutions and mobile operators to cooperate with the mobile phone payment method, with financial institutions as the leading, operators as payment channels, users will be mobile phone numbers and bank cards and other users to pay accounts, users can use the form of SMS, WAP and other forms of bank cards and other accounts to trade　　Another mode is that the mobile operator provides an account for the user, the user deposits the fee in advance and pays the fee from the account, or the operator deducts the mobile payment transaction costs directly from the user's charges through the SIM card and STK card. "The existing mobile phone payment system is dominated by mobile operators, and profits are exclusive to operators, while mobile banking is dominated by banks, and mobile operators face the problem of profit-sharing with banks."　　"Zhangyanan analysis, the competition between UnionPay and operators is the game of interest." UnionPay, its mobile phone payment since the opening in 2008, has been in air tickets, lottery, insurance, payment and other industries to implement the application.　　Recently, China UnionPay is a joint commercial bank, mobile phone manufacturers and other joint establishment of mobile payment industry Alliance, joint promotion based on financial accounts, the use of ISO-related NON-CONTACT communications, the international standard of smart card phone payment business. And mobile is the choice of a stake in Pudong Hair Bank.　　Mobile Chairman Wang, during the 2010 Summer Davos forum, said that the move and the PU issue in the phone payment of cooperation procedures have been completed, will accelerate the preparation of cooperation issues. In order to standardize the market, the central bank to pay for third-party payment of the "Non-financial institutions payment Services management measures" has been implemented since September 1 this year. The reporter learned that the current industry companies are waiting for details, to proceed to apply for a licence. Li Rogen said that the central bank for Third-party payment business Enterprises licensing management, in raising the threshold of industry access, while "conducive to the standardization of the industry, healthy development."