China Mobile mobile phone payment experience

Shopping on the Red kids and paying for them can be paid with mobile phones. Pay attention to "China Mobile full network mobile phone payment" Project for some time, watching mobile phone payment project report documents, said very good. And there are "100 minus 15 yuan" activities, decided to experience a mobile phone payment.

Through arduous hardships finally completed the payment, experience is very bad, lazy to write the specific process, some thinking:

For many mobile payment providers described the "Anytime and anywhere with the brush mobile phone pay" on-site pay is not very cold, mainly feel that in the "country into the people back" background only banks, mobile such state-owned enterprises have the strength to do, and the timing of the on-site payment is not yet ripe. It is very interested in using remote payment in the Internet field, and it is more optimistic about its future prospects.

Originally thought that mobile phone payment to "integrate resources, highlighting differences", in the remote payment will be "proprietary account (Third-party Payment account)" as the main mode, while integrating the current common variety of mobile phone payment means, including "mobile phone calls to pay", "China Bank Prepaid card Payment", "bank account", "integral payment" and other models, Provide a package of mobile payment solutions. Only the mobile has the resources and the strength to integrate these payment means, is also one of the characteristic that the mobile payment can obviously separate from the third party payment such as Alipay.

But from the mobile payment system now, the mobile payment in the integration of various payment methods do not highlight the bright spot, basically with a similar pattern of Alipay: The use of account payment + Bank Gateway Payment mode, the account balance is insufficient or need to jump to the bank to do recharge and pay.

In the business development, mobile thinking is "to establish a merchant benchmarking, the formation of cooperation model." From the cmpay.com list of cooperative merchants can be seen, mobile phone payment of pilot merchants mainly focus on e-commerce areas, perhaps mobile think: Now the use of online payment is mainly E-commerce enterprises, so should choose in the field of E-commerce has benchmarking effect of enterprises. Since it is the tree benchmark, first of all, to highlight the advantages of mobile phone payment in the convenience, security and other aspects, but these businesses and mobile phone payment of the linkage effect is not obvious, basically only need ordinary bank gateway to pay on the line. In fact, like mobile phone recharge, games, CP/SP, App Store and other fields are more suitable for mobile phone payment field.

In marketing, perhaps the deep pockets, mobile or the use of the tried and true "registration, recharge courteous", "value consumption" of the traditional marketing model (but used a bunch of similar "bright spot marketing", "Special Marketing", "Joint marketing", "viral marketing" new terminology). And in the Internet marketing means and not too many new ideas, in fact, network Marketing has a number of means can be used, including Alliance marketing, community Marketing, network event marketing, search engine marketing.

In fact, mobile in the planning of the understanding is quite in place: fully integrated mobile existing users, brands, channels and other resources, highlighting and existing Third-party payment company differences, and in the local formation of obvious advantages (such as the main source of money from the top-up card can not be the present account). Mobile resources are also very rich, but ...

It is said that mobile internal adjustment after the new leadership of the overall mentality is focused on pushing remote payments rather than on-site payments.

Jump to Cmpay do pay, did not pay success, so in the merchant side (red children) to order again to initiate payment request, jump to Cmpay when unexpectedly reported "order already exists."

Originally said will have "100 minus 15 yuan" preferential activities, once again into the cmpay to do when the price of the order became the original value and did not reduce the 15 yuan (the first time to pay a discount).

As a third-party payment, the user initiates a payment request for an unpaid order. This is a typical application scenario. In addition, the purchase order is also a necessary function of the payment system, even if the integrity of the transaction as a basic function is uncertain, the system must have a lot of bugs, who still have the confidence to use this system?

A typical problem is that the user's payment password can only be set to 6 bits in length. It may be considered that the length of the input at the POS terminal at the time of payment is generally 6. But at present, when mobile phone payment is applied on the Internet, the length of password is at least a consolation in the case that most consumers still do not eliminate security.

Some other typical user experience problem, in the Cmpay website everywhere, lets the person not see is moves the big style, instead is an entrepreneurial company hastily on-line product.

Some thoughts on product fragmentation:

1, good product first impression is very important, in the introduction of new products, the first time must be the most core, the most beautiful side of the highlight. Product features can be missing, can be "iterative development, continuous improvement", but the product in the user's mind "positioning" is very difficult to change. After this trial, it's hard to persuade me to use my mobile phone to pay for business.

2, Benchmarking merchants Choose the first standard is not the good or bad partnership, but its business and the product itself synergy effect. Benchmarking business value is the product of the fault, put forward professional recommendations to help improve the product business model and product details, to become the best practice of product model, and then become a "product advertising image benchmarking."

3, the transformation of thinking mode than we think of the difficulties, we generally overestimate their ability to strain. Just as mobile is good at telecoms, Gaoyang is good at finance, but it faces a long way to go in the Internet.

4, the perfect product planning! = Perfect Product

Source: http://www.yeeach.com/2010/04/25/Mobile phone payment experience