China Mobile pays technical standard to be officially released at the end of this year

Central bank IC card leading Group Office director Li Xiaofeng said, the National Financial Standardization Technical Committee has in the 16th high vote through China Mobile payment technology standards, will be in Chengdu, Ningbo, the first to carry out the pilot mobile payment technology standards.

Li Xiaofeng, director of the Central bank's IC card leadership group, said yesterday the National Financial Standardization Technical Committee has in this month 16th high vote through China Mobile payment technology standards, this standard covers the payment application, equipment, application basis, security and other five categories of 35 standards, are being submitted to the relevant administrative bodies for approval, the fastest end can be officially released , will be in Chengdu, Ningbo, the first two places to carry out the pilot mobile payment technology standards.

Li Xiaofeng in Shanghai to attend a forum to make the above statement. He also elaborated on the background, principles, ideas, objectives, technical systems, progress and hot issues of mobile payment standards for China Mobile payment standards.

In April this year, the central bank organized commercial banks, non-financial payment institutions, bank card organizations, mobile communication operators, mobile terminal manufacturers, card dealers, chip dealers, receiving terminal manufacturers, certification bodies, testing institutions and other industrial chain parties set up a joint working group on the establishment of mobile payment technology standards, the formal launch of mobile payment industry standards. The preparation work group is composed of more than 80 experts from more than 40 units.

Determine the 13.56MHZ standard

Referring to the extraneous frequency standards that are of concern to the outside world, Li Xiaofeng points out that 13.56MHz technology is suitable for an open networked general environment, Domestic manufacturers of independent innovation 2.4GHz can be in a closed environment such as urban bus or campus network to continue the pilot application, but the financial industry standards to 13.56MHz as the basis for near-field payment non-contact communication technology.

It is understood that 13.56MHz is commonly used in the international standard, its radiation range is relatively near, when used to close to POS machines and other terminal equipment. But the disadvantage is that this technology program needs to change the mobile phone (there are also institutions in the study directly attached to the card function), unable to penetrate metal. 2.4GHz radiation distance, seven or eight meters or even 20 meters can be induction, the biggest advantage is not need to change the phone, only need to change a card with the function of the SIM card.

"The financial industry must use the open standard, and international standards, 2.4GHZ currently in China knowledge of several enterprises private technology, and several technologies are not compatible, how can prop up mobile payment this huge industry?" Li Xiaofeng bluntly.

Another hot question about mobile payments is the future of China's mobile payments through SD cards, SIM cards or NFC handsets.

"Now paying companies, banks or investors are betting, and who knows what the future is going to be, so just like Pepper, three models of one by one invest in the horse." "The head of a third party payment company said in an interview with the Morning Post reporter that

In this respect, Li Xiaofeng yesterday stressed that through the above 40 units of the Working Group's research, will introduce the mobile payment technology standards for the above three types of terminal forms are supported.

"The core of the problem is who is going to issue the end of future mobile payments, if the SD card mode may have a bank-led distribution, the SIM card mode is operator-led, but it is certain that the future must be NFC full mobile terminal mode, in future, the mobile payment function and the camera function on the phone, Become part of the phone. Li Xiaofeng said that the handset manufacturers, as long as the identification of high level of non-financial institutions to cooperate, "almost two dollars, the mobile payment of the chip" plug into the mobile phone can be achieved. ”

Both banks and third-party payment agencies can participate in mobile payments

Specifically to a more professional technical level, Li Xiaofeng pointed out that the development of the mobile payment technology standards are clear to the bank accounts, non-financial institutional accounts based on the mobile payment accounts between the online mobile communication network and offline POS channels for funds transfer of the technical standards, a total of 35.

"Prior to that, the transfer of funds took place between banks, but currently 197 non-financial institutions have been paid licences, of which 32 have received mobile payment licences, so future mobile payments are mainly for commercial banks and the 32 companies that have access to mobile payment licences." "Li Xiaofeng said.

In particular, the introduction of China Mobile payment technology standards will be applicable to participate in the mobile payment business of commercial banks, payment agencies, card organizations, as well as chips, cards, embedded software, client software, SE applications, non-card reader, mobile terminals and other products manufacturers and Third-party service providers.

Aiming at the goal and function of China Mobile's payment technology standard, Li Xiaofeng said, first must realize the mobile payment and the Financial IC card resources integration, at present the IC card has already built more than 5 million POS machines, 400,000 ATM machines and so on to accept the environment resources to be used for the mobile payment; That is, online and offline capital flow interconnection, the current Internet payments can not achieve this; the third is to promote the mobile payment of a safe and credible ecological environment; four is "the use of domestic cryptographic algorithms to achieve effective interface with international standards."