Demand for remote payments is more urgent

Absrtact: As the national standard of mobile payment is about to be launched, the competition among operators in the field of mobile payment is increasingly fierce. Recently, China Unicom launched Unicom's mobile phone wallet, and the Chinese mobile company responsible for mobile phone payment business of the middle-shift E-commerce Co., Ltd. also announced

As the national standard of mobile payment is about to be launched, the competition among operators in the field of mobile payment is increasingly fierce.

Recently, China Unicom launched the "Unicom mobile phone wallet", and the Chinese mobile under the responsibility for mobile phone payment business in the e-Commerce Co., Ltd. also announced the launch of mobile payment cooperation with Air China.

However, analysts point out that the current demand for mobile phone payment market is still in the network to achieve remote payment. Remote payment to achieve the payment of charges, public utilities, web shopping and other functions, near-field payments can be realized with mobile phone brush bus cards, supermarkets and other shopping.

"Near-field payment is an alternative to the original payment method, which is confronted with the difficulties of cultivating the user's habit in the case of limited cooperation customer and terminal support." "Analysys International analyst Zhanglei told the investor News reporter.

In fact, the current operators in the development of long-distance payments faster than near-field payments. Mobile payments in China are still largely remote. China Unicom, general manager of product innovation, Li Hong Five also told the investor newspaper reporter, Unicom's mobile payment will be combined with remote payments and mobile payments.

Compete for the opportunity of near-field payment market

Unlike China Mobile, Unicom has been following the 13.56MHz standard of UnionPay, while China Mobile insists on its own 2.4GHz standards. It is understood that China's financial mobile payment standards will be unified in the 13.56MHZ standard.

Wang Weidong, a consulting analyst, previously said in an interview with the investor newspaper: "Mobile payment industry chain long, involving chip design, Chip module packaging, payment card manufacturing, card reader equipment, application development, operations, banks, businesses and many other links, the use of which standards, the interests of the industrial chain to be readjusted, The impact on equipment suppliers is particularly high. ”

But the national standard of the release, for the operator's influence no equipment suppliers big. "China Mobile began in the second half of 2010, suspended the development of 2.4GHz standards, began to try 13.56MHz standards, this August, also announced the cooperation with UnionPay, has gone through more than two years of preparation period, the impact will not be too big." "Zhanglei said.

In fact, since the previous mobile payment standards have tended to be unified in the 13.56MHZ standards, operators have begun to actively develop near-field payment products, scramble for market opportunities.

On November 27, Unicom and China Mobile also issued their own near-field payment products. According to China Unicom, general manager of product innovation Li Hong introduced, the user application for open "Unicom mobile phone wallet" business, you can receive an appointment message, to the Unicom designated office to handle the investment bank account built in the mobile phone Usim card, you can realize the function of bank card and cell phone function, Brush mobile phone can directly carry out all kinds of consumption.

On the same day, China Mobile's mobile phone payment business, the middle-shift E-commerce Co., Ltd. announced the launch of mobile payment with Air China launched a cooperation ceremony, Air China's domestic website will support the mobile phone payment business, air passenger can complete the ticket order by mobile phone number. This is only the first step in the field of mobile payment cooperation, followed by the two sides will also join force near the field of NFC payment.

"As a result of national standards, the operators of the product development direction, market development goals will be more accurate, exerting more force, all the fire high, so that the market will rise faster." "Sun Jiangtao, executive director of the third party payment company, said to reporters.

Demand for remote payments is more urgent

Is there any substantial improvement in the consumer experience of near-field payment? One consumer said that if he was spending at the mall, he would prefer to pass the bank card to the cashier instead of his phone. "Mobile phone is more expensive, afraid to fall." and is it easier to brush your phone than to swipe a bank card?

"Long-distance payment is now more urgent, the electrical business also need to form a closed loop through the long-distance payment, and near-field payment, is the original payment method substitution, need to provide a better user experience or concessions, in order to attract users, and slowly cultivate user habits." "Zhanglei said.

One of the most restrictive factors of near-field payment is that it is restricted by the number of terminals. It is understood that UnionPay plans to lay around the country this year about 1.5 million with China UnionPay QuickPass logo of the non-connect financial POS terminals, of which Shanghai's non-connected financial POS terminals have 162,000 units, the POS machine to support Unicom's mobile payment.

In addition, the popularity of NFC phones is also critical to near-field payments. According to Li Hong, currently in the international support NFC mobile phone terminals more than 40, the brand covers Samsung, LG, HTC, Sony and Rim, and the China Unicom Merchants Bank Wallet has completed the NFC terminal has 7.

But Yang Qun, the chief analyst at the Mobile-phone advisory body and national policy, told the investor newspaper that the phones are still very low on the market. "Operators are mainly domestic mobile phones, such as Lenovo, ZTE, Huawei and so on, the main sales in the two or three-tier cities, these handsets are currently no NFC capabilities, and two or three-tier cities for mobile phone payment is not so high acceptance." ”

Sun Jiangtao that near-field payment of the value chain is relatively long, in the short term really popular, into thousands of households are still relatively distant. He believes that in the foreseeable future, China's mobile internet will usher in rapid development, including operators in the industry as a whole to provide mobile phone remote payment services have an urgent demand.

"From the user experience level, people are not very accustomed to using mobile phones to complete near-field payment, the cultivation of this habit is a long-term and vast project, is not a company to one's own strength can complete the ' feat ', so at present or test water stage." said the industry personage.