Mobile payment: operator still on the sidelines

On the one hand, the control body stepped up its action, on the other hand, the market is more clear, for a time, the industry's enthusiasm for the issuance of third-party payment licences, all kinds of speculation, the market size of up to 1 trillion yuan of third-party payment "licensing" into the countdown. However, in the first shortlist of 17 companies, the previous High-profile stake in the Pudong Bank's China Mobile's linkage advantage upset lost, the industry generally considered the biggest accident.　　Many experts pointed out that, in the mobile payment technology standards have not been determined, operators failed to apply to Third-party payment license, the mobile phone payment for operators is still only an "outside game." Operator upset out third party payment "Do not play with you" last December, a total of 17 third-party payment business candidate lists were released, according to the regulations, reporting enterprises in the central bank announcement within 20 days will result.　　The industry expects the first batch of licensed companies to be announced as soon as possible in late January. According to the disclosure, the type of licence is based on the management of the payment of the company's general division, one is relying on large enterprises, Consumer-to-consumer Web gateway to pay, such as Alipay, the second is through the point-of-sale (POS) terminal of the offline payment; third, stored value card and other prepaid card services. The payment industry believes that "national size" in the acquisition of licences will occupy the opportunity. 17 of the "advance members" of the 4 silver contact Payment Enterprises, respectively, Beijing UnionPay, Shanghai UnionPay, Guangzhou UnionPay and digital wangfujing.　　And the first batch of third-party payment companies that are expected to obtain a license to pay the Chinese font size of the silver contact enterprise is very likely to take the lead, other places will be quick money, Alipay, Tenpay, Yeepay payment, and a number of large companies to share funds and letters. After collecting 17 companies ' application notices, the reporter found that the type of payment business that the candidate enterprise intends to apply for is mainly internet payment, bank card receipt and prepaid card business, in which most of the enterprises choose the Internet payment business and bank card receipt two business types, and some enterprises also apply for the issuing and accepting of prepaid cards. According to the central bank's explicit stipulation, the mobile phone payment, the fixed telephone payment also belongs to the Internet payment business, regarding the handset payment The prospect, this shortlisted enterprise also is optimistic. Former Alipay CEO Shaoxiao predicts that in the next 3-5 years, mobile payments will account for the 30%~40% of third-party payment areas. As early as September 2010, UnionPay has launched a "foil" business, not only can be affixed to the SIM card, can also be affixed to the SD card, for digital cameras, PDAs and multimedia players. These payment cards are set up by the UnionPay independent of a near-field payment system, do not need to go through the operator to hairpin, and do not need operator management, the business has been in Shanghai and other cities pilot. The shortlist of 17 companies, one of the purse nets, has also launched a "SIM card + patch" remote payment form. This way also around the operator, in the SIM card directly placed a sticker, and the bank card binding, that is, can be in the mobile phone payment, transfer remittance, prepaid, etc. Pay Treasure, MoneyChangtong has also been released into the mobile phone payment area planning.　　The failure of the operator to qualify for the 17-candidate list is a wake-up call: The crisis that operators are marginalized in the area of mobile payments is gradually increasing. Mobile payment is still in the breeding operator is also very "power" mobile phone payments although the standard is undecided, telecom operators have not been engaged in the payment of business qualifications, but they are in the mobile phone payments are frequently shot.　　As of November 2010, China Mobile has more than 10 million subscribers and more than 2.7 million users a month. In 2010, China Mobile shares the Pudong FA Bank, and China Mobile's chairman, Mr Wang, has made no secret of his intention to move into mobile phone payments through cooperation with the Pudong Bank. But at present, mobile phone payment for telecom operators, is a breeding period of business, is mainly used to cultivate the user's use habits, enhance user stickiness. It is understood that China Mobile's current mobile payment business development mode is mainly in some provinces to introduce mobile phone payment of the preferential activities, for example, in Hunan, mobile users through the mobile phone payment account for the machine to pay a single pen every 100 yuan will be awarded 15 yuan, full 200 yuan to send 30 yuan, the highest monthly gift 60 yuan. On the last day of 2010, China Unicom mobile phone payment business in Beijing, the official commercial, no doubt shows the telecom operators continue to pay the market with mobile phone determination. Beijing Unicom Each business hall also began to deal with payment operations. After successful, users can be prepaid by the way by bus, subway and in the cooperative merchants Brush mobile phone consumption. It is reported that the commercial mainly selected in the SIM card to install metal antenna payment methods. Experts pointed out that the central bank issued the "Non-financial institutions payment Services management measures" not only to help third-party payment enterprises out of the "gray Zone", and to the telecommunications operators to indicate the way out.　　If a telecoms operator has access to a third-party-paid licence, and its mobile-payments business has policy guarantees, China Mobile will not be so passive in the battle with UnionPay. September 1, 2010, the major operators began to implement the real-name mobile phone. Depending on the real-name of the mobile phone, the user's personal information will be connected with the Public Security bureau identity system, which provides a powerful guarantee for operators to carry out mobile payment. Mobile phone operators through the real-name system can establish a personal mobile credit systems, so as to cooperate with the bank, according to the credit rating to provide different payments, and even the same as credit card for different amounts of overdraft services, so that the mobile phone really become the 3G era of the handheld mobile bank.　　Experts pointed out that the implementation of mobile phone real-name one of the important purpose is to pay for universal mobile phone to pave the way. Operators have been working hard, but the market outlook is still unclear, the demand for mobile payment market is increasing, the market competition is becoming more and more complex, and the operators who do not have financial business license plates are faced with many restrictive conditions. On one side is the standard dispute between UnionPay and telecom operators, the other side is the expansion of the mobile payment of the third party payment platform, and many large payment platforms and websites have developed the mobile payment method at present.。 China Electronic Technology Standardization Institute expert Lijian said, the recent mobile phone payment standards must not come out, eventually will choose which standard, when baked, now seems to be unknown.　　Ministry of Communications Development department concerned that the current mobile payment industry is the most important or mobile payment standards, if the standard is not uniform, the industrial chain will be difficult to scale, the cost will not come down, resources are difficult to talk about sharing, mobile payment business has not developed. Analysys International analysis points out that the standard behind the hidden interests of the competition, in mobile phone close payment industry dispersed the development of resources, formed a certain obstacle. A standard to become GB or row standard at the same time, means that another standard related manufacturers will produce a certain shuffle, so the standard should not be introduced soon, and the standard may not be one. Reporter from the Gold Card Project coordination Leading Group Office director Zhang Qi, although the mobile phone payment standards have not yet unified, but the three operators and UnionPay has made concessions, reached a basic consensus, has made great progress.　　Facing this huge "cake", the operator should find the position in the mobile payment field, with small payment as the tipping point, cultivate the user's mobile payment habits, and then build their own mobile phone payment platform. (Source: China Information Industry Network-People's Posts and telecommunications author: Hong Liming)