Mobile payment set off technology war three operators play different

The mobile payment is not in the prime of the newspaper, it attracted many differences.　　The three major telecom operators and UnionPay are based on their own advantages, competing in different technical roads.　　Mobile payment is mainly divided into remote payment and on-site payment, the typical application of remote payment is through the mobile phone inside the transaction platform to complete the remote transfer or payment, but this requires the choice of cooperation with UnionPay, in the absence of policy openness, China Mobile and other operators can not effectively participate.　　The field payment is the focus of the current technology of mobile payment, so the current lifting of mobile payment is basically around the field of payment for discussion, and all on-site payments are based on radio frequency identification (RFID) technology derived.　　The communication problem between mobile phone and point-of-sale terminal (POS) is the biggest challenge to promote mobile site payment, and it is impossible to bypass the mobile communication industry chain. According to experts, at present, the main domestic mobile payment technology factions are mainly 3 kinds, respectively, proximity communication technology (NFC), dual interface SIM card (SIM-PASS) and radio frequency identification SIM card (RF-SIM).　　They are the derivative of RFID technology, the key is the difference between the frequency of radio transmission and mobile phone SIM card integration relationship. NFC is not currently integrated with mobile phone SIM, working at a 13.56MHz frequency and needs to be installed in the handset terminal, which means that users need to replace the mobile phone with NFC chips or buy a separate NFC card to attach to the phone. The technology is driven mainly by Sony, Nokia and Philips.　　For example, Nokia in Xiamen has NFC payment layout, users can use NFC mobile phones for public transport, film tickets and other small payments. China Unicom and China UnionPay are supporters of NFC technology. Gu Yinxia, director of the China Unicom Technical Department's standard management Service, said last year that China Unicom launched more than 10 NFC handsets, and the handset makers will launch commercially available NFC handsets in 2010. In Shanghai, China Unicom's consumers can use the NFC mobile phone built-in bus card account, in the bus, subway, taxi directly with the phone card deduction fee.　　In addition, in the 2010 Shanghai World Expo, the Expo site POS machine, will support China Unicom NFC mobile phone live payment function.　　Sim-pass's main supporters for China Telecom and Chinese UnionPay, currently, China Telecom has been in Jiangsu to promote Tianyi Campus mobile phone Card service, with Sim-pass mobile payment mobile cards can be used in the canteen brush mobile phone consumption, borrow books in the library and so on. Experts said: "Sim-pass technology also works under 13.56MHZ, the application information and RFID modules are integrated into the SIM card, users do not need to replace the mobile phone terminal, but its penetration ability is limited, different mobile phone terminal SIM Card placement position is different, so need to fit." The technology, like NFC, relies on foreign technology vendors. "And Rf-sim technology is driven by China's move." The technology uses 2.4GHz of communication frequency, RFID module, antenna and application information are integrated in the SIM card, users need to change the card can be used, from the mobile phone cost, business control point of view is the operator's best choice. The key is through China Mobile research and development, can well through the battery and metal material of the phone back cover, almost all mobile phones are applicable. 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. At present, China Mobile in Zhejiang pilot Sim-pass. Sun Jin