Mobile payment future needs imagination

Sun Jin Although mobile payments may have started years ago, the carrier system, led by the three operators, and the two big camps headed by UnionPay, which began last year, the recent move by China Mobile to the Pudong bank has pushed the momentum of mobile payments to its first climax.　　Mobile payment on the three major operators and UnionPay are based on their respective advantages of the different technical road, and these technical battles, which affect the interests behind the layout, long-term game and industrial imagination. In order to solve the communication problem between mobile phone and POS in the field payment, three kinds of on-the-spot payment technology are based on RFID (radio frequency Identification) technology: NFC, Sim-pass and Rf-sim respectively.　　The key lies in the difference of radio frequency and the integration of mobile phone SIM card. China UnionPay's Product innovation ministry said that the UnionPay supported the work at the 13.56MHz frequency of technology, including NFC and Sim-pass two, China Unicom and Chinese telecom respectively support both technologies.　　The Rf-sim technology is driven by China's mobile force, using a 2.4GHz communication frequency. The solution is to integrate RFID module, antenna and application information in the SIM card, users need to replace the card can be used, from the mobile phone cost, business control point of view is the best choice for operators. The key is through mobile research and development, can be very good through the battery and metal material of the phone back cover, almost all mobile phones can be easily used.　　and other technologies do not, need to fit the appropriate mobile phone. However, the problem of this technology is that the work frequency of Rf-sim is inconsistent with the POS machines in the major industries, such as bank and bus, so it is necessary to replace the POS terminals with more cost.　　China Mobile will configure the card reader for these businesses, the current cost of each card reader is 3000 yuan, and each new SIM card cost of 50 to 100 yuan, China Mobile has decided to promote large-scale investment. China Mobile will not receive any commission on the wireless payment link, but it will also bear the cost of promoting the early SIM card and providing the card reader for the store.　　And the goal is to make users can not be separated from the services provided by China Mobile. And compared to mobile, UnionPay has an existing influence on the merchant.　　UnionPay's phone payments are more linked to bank cards, which can include all bank banking functions in large payments, while China Mobile has limited money from banks to mobile cards.　　In fact, operators have many hands to prepare, such as China Telecom in Shanghai this year to carry out the mobile payment on the basis of Rf-sim technology, and China Mobile in Zhejiang Province in the pilot Sim-pass. And for the net profit of more than 300 million yuan a day, last year, the profit of more than 115 billion yuan China Mobile, there is greater power to choose a more powerful way to control the user. So mobile can not only cut into the field of payment liquidation, and its user information resources to grasp will be more favorable. Because SIm card itself has the user's real name authentication information, can automatically combine their financial identity verification, and integration of information. In the future, mobile payments will become an effective part of the Internet of things.　　Without such an industry imagination, it would be impossible to understand the meaning of mobile payments. Mobile card integrated bus cards, bank cards and keys and other functions have not been imaginative, compared to the use of traditional plastic bank cards, you have to go to a physical place "card". But if you use a mobile phone, you can go on the road and trade anytime, anywhere, and you can use your mobile phone for financial transactions, such as money transfer or shopping, lottery tickets, and bills when you're bored in a meeting. This is equivalent to carry the POS and ATM machines, the concept of POS and ATM extended into a ubiquitous "seamless connection" concept.　　But it is also just mobile payments that play a role in isolation. The picture of future industry is that mobile payments are part of the vast mobile internet and IoT of things. Like when you see a friend with a watch that likes, to buy a piece of the same, then you can put the phone on the watch attached to the electronic tag, through the wireless Internet can automatically complete the shopping search, from the global shopping site in a few seconds feedback to find the lowest price, and then you just touch a few buttons, To complete the shopping process.　　And if your friend wants to sell you the wrist watch at second-hand price, you just need to touch the phone and complete the transfer transaction. When you shop in front of a shopping mall or computer, it's as small as a soap to a car, after seeing the merchandise, do not need to find a shopper and cashier, as long as the phone to the electronic tag on the product or the image on the screen, you can do real-time shopping comparison search, find the global E-commerce (Electric business channel) of the cheapest similar goods, and then independently complete the shopping, Related financial services required for transfer, loan, etc.　　By then, the user's personal life, wireless communications and financial services will be seamless integration.　　Without such a vision, it is impossible to understand why the real value of mobile payments is being driven in the present. At present, the Internet of things and mobile payment are the key items of China's mobile, but to move the mobile payment to the Internet era, operators and financial institutions of cooperation and even integration is a must pass the development stage, alone with UnionPay or one operator can not turn such a vision into an industrial reality.