Chinese mobile and China UnionPay formally sign cooperation agreement

Determine the uniform standard for mobile phone payment. Industry predicts: With mobile phone mobile payment standards of unification, full convenience mobile payment era is coming.

From Deloitte "2012-2015 China Mobile payment industry trends and prospects" shows: China's mobile payment market because of its huge development potential has attracted financial institutions, operators, third-party payments and other enterprises have been layout. It is expected that the next three years, mobile payment will become China's industry hotspot, 2015 mobile payment will become China's mainstream payment means.

Multifaceted: The third party pays the market pattern to decide initially

The central bank stipulates that an enterprise that does not obtain a licence to pay will not continue to pay until September 1. From May 2011, the first licence was issued, and by June 29 this year, the central bank issued a total of four payment licences, and there were 196 third party payment industries that received a "pass".

Industry analysts pointed out that, from the 196 companies that have obtained licences can be seen, currently licensed enterprises almost reflect the domestic current Third-party payment market pattern: Among them both UnionPay, mobile and other large central enterprises, as well as Alipay in the internet era of the industry leader, There is a Lakara of innovation in the mobile payment market. These companies basically represent the highest level of domestic third-party payment technology, products, applications and markets.

Analysys International said that, although a large number of enterprises have been called third-party payment licences, but reflect the core competitiveness of enterprises differentiated services are very different. The industry has divided the differentiated services provided by these enterprises into the "three factions": the binding faction, that is, the bank card and account binding to carry out the payment business. This is from 1998 China Merchants Bank (600036, shares bar) first opened online banking, with the bank as the representative of the mobile payment business; This is the rise of e-commerce with the development of mobile payment business, Alipay is one of the typical representatives.

Unlike the above, the industry is known as the "card-sending" only one enterprise Lakara. The choice of credit card, is because the company's boss Sun ran firmly believe that the card is to make payment easier way: "Everyone in China has already had a lot of cards, card is in compliance with consumer habits." "Based on this idea, the company from December 2005 to date, more than 6 years of time, has been committed to providing users with the simplest card tools, so that users use their own card to solve the problem of electronic payment."

Offline Payment: Ease of payment through mobility

In a variety of payment methods, the development of more mature is still the internet payment. has obtained the licence the payment enterprise, including on-line bank, Alipay, Suning easy to purchase and so on, all is uses the Internet platform to carry out the payment business.

Relative to bank window payments, Internet payments extend financial services beyond windows and counters to convenience stores, homes and personal platforms. However, the characteristics of the Internet itself, such as terminal restrictions, network restrictions, including the cumbersome procedures, and so on, all of the development of mobile payments have constraints.

From the line to the line, as a third-party payment to achieve the "mobile" breakthrough. "From the online payment service to the offline market penetration, will open up for third-party payments a broader space for development." Suntaujan said the company insists on doing "swipe-card Pie", which is also based on swipe card can achieve offline movement through a variety of ways, and through mobile to achieve the convenience of payment.

Looking from the development direction of the third party payment, the extension and promotion of the scope of financial service, the development of convenience business will become the important direction of mobile payment. With many business routes of the enterprise, Lakara choose a convenient route, whether it is mobile POS, or recently introduced mobile phone card reader, the scope of business mainly revolves around a series of convenient financial business. Suntaujan said, "The user moves the distance is small, we move the scope to be big." "The next three years, the company will speed up from the first-tier city to two or three-line city network laying, and strive for 3 years time will be offline network terminals from the current 60,000 development to 1 million."

Mobile phone Card: Real mobile payment "mobile"

In fact, when the mobile payment standards have not yet been unified, the payment companies are already in the mobile phone payment to find technical means of breakthrough. The technological breakthroughs in mobile internet and smartphones have made real progress in mobile payments.

Public data show: Tenpay launched the mobile payment business at the end of 2009, and has already released multiple mobile clients such as Android. The fast money says the mobile payment platform, launched from September 2011 onwards, has formed a complete matrix of mobile payment products. In these mobile phone payment technology, Lakara launched the latest mobile phone card reader, but is concerned about a higher level. Industry evaluation, credit card payment of the link, retaining the user's habitual consumption, conducive to the cultivation of user groups, is an effective means of mobile payment.

Industry analysts pointed out that the mobile payment technology breakthrough, so that mobile payment terminals from the desktop and offline POS terminal extended to the mobile phone terminal, the real realization of the mobile payment of the "mobile", in the mobile breakthrough financial services in time and space restrictions, can be completed anytime, anywhere to pay the property, The convenience of mobile payment has been greatly improved through the phone card reader.

Suntaujan predicts: The success of mobile phone card reader, will soon be attracted to competitors, there will be more products to join in, the future of mobile payment will be very lively, competition and services will also be strengthened, mobile payment for everyone to bring more convenience will be more and more.