Mobile payment dilemma is about to break the ice the three major operators of enclosure near the field pay

Recently, China Mobile and Pudong Hair Bank jointly released China Mobile PU FA Bank near-field payment joint Card 4 products. There has also been a consensus within China Unicom that measures will be taken to break the bottleneck impeding the development of mobile phone near-field payments. With the introduction of the mobile payment of the gradual approach, the development of the industry's standard constraints are expected to break the ice.

Three major operators

Enclosure Near-field payment

Since November 2010, after the signing of strategic cooperation agreement with Pudong Development Bank, the two sides have finally made substantial and substantial progress in the recent years.

It is understood that China Mobile and Pudong Development Bank jointly released four strategic products, one of the flagship China Mobile Pudong Joint card and Evolution products (NFC technology mobile phone) main push mobile phone near the field payment, through the product can be in the country has more than 860,000 "Flash pay" logo pos machine directly on the small pay, that is, the brush is paid, You do not need to use a password or signature.

Mobile phone remittance is also one of the highlights of this strategic cooperation. The product through mobile phone number to achieve the remittance function, users can through the bank network, mobile banking, online banking channels to the mobile phone users of arbitrary remittance business. The payee may honour the bank outlets and the authorized mobile agent.

Meng, senior analyst at Analysys International, told reporters that the current mobile payment market is basically three camps, respectively, for telecom operators, China UnionPay and third-party payment vendors. Compared with the third party payment and UnionPay, the operator has no obvious advantage over the long-distance payment, but it has a certain advantage in the near-field payment. In order to preempt the dominant power, operators actively layout near-field payments.

At present, the Chinese Unicom and China Telecom are also quietly layout on the mobile payment. April 26, Unicom's wholly-owned subsidiary, "Unicom Payment Co., Ltd." was established, and established a unified payment gateway and payment capability platform, will focus on the development of mobile remote payment and mobile near-field payment business. China Telecom to launch "Wing payment". At present, "wing payment" is the best example of domestic near-field payment.

Mobile payment

has penetrated into the realm of life

It is understood that the current Third-party payment has begun from the payment, buy movie tickets to education, financial management and other life in all areas of infiltration.

The reporter traveled to Zhongguancun's Golden Plaza International Studios experience the mobile phone pay to buy tickets convenient. Reporter walked into the cinema, took out the smartphone first login Tenpay mobile phone client, and then click into the QQ movie ticket, selected Beijing Golden Yat International Studios, where only 38 yuan can buy the original price of 80 yuan movie tickets, and the entire payment process less than a minute.

Soon after the payment, the reporter's phone received a payment confirmation message. Then the reporter took the ID card and confirmed the message can be in the window to Exchange movie tickets. Reporters in the purchase of tickets found that through the Tenpay mobile phone clients can book more than 80 cities nationwide more than 200 cinemas electronic tickets, and fares generally around 40 percent.

At present, the Third-party payment company has been issued by the Securities and Futures Commission of the third party payment license, and the fund financial sector is also known as the payment industry under a "blue sea." This April, the Silver China Fund opened the IBAUI to buy the fund online payment platform. The individual investor buys the fund through the easy purchase, only then contracts the bank to open an account, may carry on the fund recognition/the purchase, the redemption, the conversion, withdraws the single, the intelligent purchase, the intelligent redemption, the intelligent conversion and so on the service. In addition to a 40 percent discount, CDI can also choose a bank card from any bank to buy the fund products of each fund company. CDI do not need to go to the bank counter to buy, just sit at home can amoy all kinds of funds. This provides a great convenience for CDI to buy and choose funds.

Yeepay Payment fund industry leader Shirakawa told reporters: "As a yeepay payment innovation research and development dedicated to fund sales settlement payment of funds account platform system, easy to buy by relying on one of the four state-owned banks of ICBC as a fund custodian, and with more than 40 fund companies and Third-party fund sales agencies signed a cooperation agreement." ”

Total win will become

The main melody of the future market

For a long time, in the field of near-field payment, there are two major standards, which are based on UnionPay-led 13.56MHZ and mobile Force push 2.4GHZ. Obviously no one wants to cede dominance, even within the operator. With the landing of the national standard of mobile payment, the problem of long term restriction of industrial development is about to be solved.

According to Chaihong, executive vice president of China UnionPay, mobile payment standards are expected to be introduced in the year. In the field of near-field payment, it has been identified as the leading 13.56MHZ standard for UnionPay. "The establishment of the relevant standard system and the license of the policy will escort the long-term development of mobile payment." ”

Experts said that the mobile payment of the national standard of ice breaking will temporarily terminate the communication system and the Banking department's interest game. By then, the payment environment is expected to be fully open, before the sidelines of the wait-and-see will pour into the whole industry chain cooperation competition era. In fact, the mobile payment industry to be truly mature must move towards integration.

The mobile payment market is becoming more and more competitive at present, how to make the differentiated development strategy is the key.

As the whole mobile payment industry chain involves telecom operators, financial services providers, Third-party payment service providers, terminal manufacturers, chip manufacturers, platform operators, system integrators and many other interest groups, as the National Information Technology Advisory Committee members said, mobile payment has many business opportunities, but to achieve the development of the entire industry, Need to strengthen cooperation in the industrial chain to make the cake bigger.

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Global mobile payment users will break 200 million

The global mobile payment deal is expected to reach $171.5 billion trillion this year, up 61.9% from $105.9 billion in 2011, according to the latest survey by Gartner. Meanwhile, the number of subscribers to global mobile payments will reach 210 million this year, an increase of 31.3% per cent.

Eric Consulting analyst Sharulu said the further division and perfection of the mobile payment industry chain, which consists of card issuers, mobile payment application service providers, mobile payment platform operators and receipts agencies, has realized the continuous transfer of related resources in mobile payment market from upstream to downstream, which is conducive to the infiltration of NFC and other near-end payment transactions. This has also contributed to the rapid expansion of the global mobile payment market.

The "China third party payment Market Trend Forecast (2011-2014)", published by the Analysys think-tank, also mentions that in 2011, China Mobile paid market development rapidly, the annual turnover volume reached 74.2 billion yuan, the year-on-year growth of 67.8%. The number of subscribers to mobile payments reached 187 million in 2011, up 26.4% per cent compared with 2010. It is expected that by 2014, China Mobile will meet the market size of 385 billion yuan and the user will reach 387 million.

(Responsible editor: Lu Guang)