Carrier mobile payment "goalless"

On the afternoon of February 5, China Merchants Bank President Ma suddenly appeared on the four floors of the headquarters of the Chinese mobile group, and of course, greeted his host, CEO Li, with a smile on his face.

This is the last time the two big state-owned enterprises shook hands before the spring Festival, and also the first cooperation in 2013.

Just held the two big state-owned enterprises so-called "strategic cooperation" of the Conference:

After the meeting, the reporters have not gone away, China Mobile in the end and the Merchants Bank cooperation what? What did the bosses of the two big companies say? How will China Mobile pay for future markets?

According to the two leaders ' speeches and relevant information, cooperation is mainly in the following aspects:

1, the use of 13.56MHZ standard payment standards, thus, it appears that China Mobile into the UnionPay camp;

2, MA site said, very worship of China Mobile, he came, is to pay attention to the carrier payment camp, said what are performances;

3, the news circular said, China Mobile and Merchants Bank in mobile payment, market channels, group customers three areas of cooperation; among them, mobile payment (mobile payment business opening, recharge, refund, fund settlement, system docking and development, channel cooperation, integration Exchange, marketing resources)

4, cooperation mode: based on the NFC-SWP mode (that is, the security module is stored in the SIM card), users can download the debit card, credit cards, electronic cash and other financial services (including air recharge, store recharge, on-site POS machine consumption) via NFC mobile wallet client.

5, NFC handset client completes the test before the end of February 2013, has the on-line condition.

Carrier mobile payment "goalless"

Now, mobile phone brush bus, mobile phone brush subway, mobile phone brush POS Machine Shopping news everywhere, but, how one also did not realize the true meaning of "landing"?

and Taobao, Alipay and other Internet companies, are taking place every day in the payment business. Look at two internet companies online trading data:

Taobao cat a year's turnover unexpectedly more than trillion, Tenpay company 2011 total turnover reached 450 billion yuan;

Looking back, in 2011, the three major telecom operators competed to set up payment companies, so how about paying free transcripts in mobile?

China Mobile phone payment business registered users more than 60 million, the annual cumulative turnover amounted to 25 billion yuan. (October 2012 data)

China Telecom public data show: At the end of 2012, school-Enterprise users 7 million, bus users 1.5 million users, bank card service users more than 400,000, refueling card users more than 1 million, all types of users have reached 10 million, the volume of unknown.

Unicom, like China Telecom, did not disclose its turnover. Insiders revealed that the smaller than mobile data, also said that the three major operators in the total amount of mobile payments may be less than Taobao 10%.

It can be said that the operator won a year to pay the business is still bumpy. For the entire 2012, only a handful of mobile payments with payment licences had been difficult and no bright spots.

Sohu It survey found that the three major operators pay system six gaps, can be said to be the financial system to eat meat, operators "drink soup."

1, Send mobile payment license at the latest (end of 2011, short time, immature);

2, the payment standard in the financial system, food tasteless, tasteless;

3, to pay the company a wide range of more than hundreds of licenses, in early January this year, the central bank issued 26 third party payment licences, a total of 223, not internet company rivals, and operators engaged in more types of business than many small licensed enterprises, especially the two most important business (Internet payment business and prepaid card distribution, Accept business) is not open to operators.

4, the profit means is insufficient, the mobile payment landing case is few;

5, the number of mobile phone numbers to pay is faced with many problems: users do not want to let others know their accounts.

6, the payment industry chain terminal docking still exist problems, such as shopping malls in the POS machine mostly support UnionPay card, but not necessarily support mobile phones.

Banks can do, operators can not do?

These are the things that banks can do that operators can't do, which is a policy bottleneck, not to blame.

1, the operator to stop using mobile phone card balance Why can not be cash refund, and the balance on the UnionPay card may be transferred or refunded;

2, operators can not handle the deposit and loan business, into the phone calls, does not generate any interest, the maximum amount of money to give subsidies (also to explain the participation activities.) ）；

3, the operator account changes free reminder, a lot of information is regarded as advertising settings lag information, and UnionPay SMS reminder charges 12 yuan, 24 yuan/year, the so-called SMS reminder business;

Operators of the "plumbing" seems unavoidable, so why not transform the mobile payment? Is it more convenient for users to access the phone bill as a payment pattern like Alipay? This is a good idea, why does the current operator not do so?

The same question: why can't mobile phone charges be used to refuel, buy food or transfer money to another cell phone?

At present, Sohu, music, exotic arts and other Internet, you can use mobile phones to pay a monthly package, but, most of the amount in 2 yuan, 5 yuan, if more than 10,000 yuan payment, mobile phone can also be completed?

Failure cases:

1, Guangzhou Metro Company and an operator of the "Brush mobile phone into the subway", because of the negotiations with the MTRC, only the experiment in less than a year will be aborted;

2, Shanghai subway station all printed "mobile wallet" sign terminal to carry out a large-scale replacement, before the total set aside, and update the 13.56MHZ system chip, to bear all the replacement costs, due to the different standards, resulting in waste of resources and duplication of construction, this is not a minority in the country.

3, a carrier and Carrefour and other shopping malls push mobile payment, but the number of users too little, POS machine became a hindrance to the device, was removed.

Success Stories:

1, Shenyang and other land and bus companies to cooperate with the mobile phone card, the number of profit is small, pay more.

2, bus payment, supermarket card and other business promotion, need a one to negotiate.

China Mobile's location base revealed that in order to promote public transport payments, the need to negotiate with a bus company, the contract needs a one sign. Due to the different hardware facilities of each bus company, different coping plans are needed.

How does the operator handle the relationship between bank accounts and their own account? "Business value" in "How Operators play mobile payment" proposed operators based on "account" user authentication three conditions: 1) Maintain the versatility of mobile phone number as the user's identity, 2 reject illegal users, 3 record successful transactions, and gradually establish user behavior database and credit record library.

The author believes that this idea is no doubt: 1 Many mobile phone numbers can not be used as a user pass, because the real-name certification does not like the financial system 100% identity card processing; 2 to combat illegal users, this is a social problem, operators business structure and banks are not the same; 3. Operators are not good at managing financial products. For example, a mobile phone fee, 1 cents will seal the account, but the financial system does not occur such incidents.

It's not too late to learn from the Internet

Mobile phone payments, bank card payments, fixed-line payments more suitable for who to do?

Industry personage analysis says, move oneself cannot do, the best is to cooperate with Internet company first, learn from from.

For example, at present, China Mobile electronic coupons in Jingdong Mall, Dangdang, where the customer prudential products such as electronic platform use. Data show that 2012 China Mobile each province issued a total of 500 million yuan of electronic coupons, it is said that the electronic coupons monthly active users more than 1 million.

In addition, mobile phone clients, such as China Mobile and CMB, also count as an avantgarde model.