Mobile payment: A painful experience

Today, I'm going to attend a meeting of the http://www.aliyun.com/zixun/aggregation/32079.html > Mobile Bank to introduce the development of mobile communications to friends in the banking industry. In this case, I also do a mobile phone payment test bar, go to the business Hall to understand the mobile payment service.

Mobile Business Hall, stayed for a while, and found that several customers are asking about mobile phone payments, perhaps other businesses are familiar with the phone to pay for business people are very valuable. Now the mobile phone payment is two kinds of situation, one is the electronic wallet, the other is an RFID SIM card, through such cards, you can in some vending machines on the card service. After consulting the situation, I decided to run an RFID SIM card.

To do the RFID Sim is to the original mobile phone SIM card to replace, a new Black Rdid SIM card, it is difficult to see, did not print any logo, is to charge, the price needs 150 yuan. Although I also chose to pay, but for such a SIM card, need 150 yuan, or doubt, need such a high cost? This card is worth 150 yuan, this card can only save 100 telephone, space is very small. Think again, today to try to use the RFID SIM card, is the operator's earliest users, not only we are the test, but also the operator of the business promoter, is the operator's business-driven, for such a first batch of early users, should be paid to buy. is not to talk about spending money, for these users, or should be encouraged? The result is who will be the early adopters, and what is the benefit for business promotion and user growth? Although the RFID SIM mode is not necessarily mobile vigorously promote the business, but a card charge such a high fee, I really disagree.

After the card, you also need to pay for mobile phone services to open and recharge. Need to send a message opened, then found that the salesperson put my card into her cell phone, sent a message, and so opened, to write me the password. I wonder why she did it, she told me, because users use different mobile phones, user operation is also very troublesome, she operates different users of the mobile phone, some phones are not familiar with, so with her a dedicated mobile phone. This I understand, is indeed convenient, but I have a question, in this case, my mobile phone to pay the password is sent to her phone, she not only can see, but also may exist on her phone, will not be leaked out. ' They are professional, they won't, and they will be deleted, ' she said. In fact, I see there is a big loophole in this, and these passwords she can see, provide a great controversy possible. I think operators should remind the staff in the business hall not to do so.

Changed the card, go to the business Hall of the vending machine, try to buy a listen to seven-happy, sweep once, no goods out, again sweep or not, tried several times, did not succeed, had to ask the girl of the Advisory desk, the original need to put the money in the account, transferred to the mobile phone purse, in the help of the girl in the consultation desk, I put the money of the account transferred 50 yuan to the mobile wallet , and then to the vending machine to try, and finally bought the first to listen to mobile phone pay seven-happy. Take this cold seven-happy, with a little joy to go out, suddenly remembered, do not know how much is deducted my money, check the consumption record, a check does not matter, just filled in the 50 yuan, now only 37.5 yuan, and then look at the consumption records, a total of 6 consumption records. Hurry back to the business hall, find just help me to fill the money of the little girl, 2.5 yuan a seven Hi, Consumption records 6, successfully bought a listen to seven-happy, but deducted me 12.5 yuan, completely is a muddled account. Fortunately, I just filled the money, is to let the girl in the business Hall to help me together, she knew the situation, so quickly returned me 10 yuan of cash, but remember my name, she is to find to provide this sales service vendors to receive more of this 10 yuan money.

Make a summary: 1. To do RFID SIM card, to receive 150 yuan, charging too high, also unreasonable. 2. The shop assistant uses his mobile phone to pay for the opening of mobile phone business, easy to leave their tongues, please pay attention to telecom operators to avoid unnecessary trouble. 3. Obviously the design of the vending machine is still a problem, the product is not out, but has been deducted fees, such a thing if more than a few times, which user also dares to pay the business with mobile phone? 4. Regulatory and dispute determination will be more complex. Actually, the vending machine is a retailer's business, but the money is deducted from the mobile wallet. Who is responsible for the problem? Is it an operator or a retailer? Of course, users are the easiest to find operators, because operators big, easy to get, then this situation operators and retailers how to negotiate, there is no supervision and dispute resolution channels, these are complex problems.

Finally, mobile payment is a promising application, in the business Hall I see more than one person in the inquiry, but to improve, need time, I put these shares out, is to give all do mobile phone vendors, to operators, to the regulator to mention a wake up, many of these complex things, need step-by-step solution. We need to be prepared from all levels, and many problems are far more complicated than we think.