Mobile phone pay blue sea broad standards undecided difficult

Supermarket checkout not busy from purse, online shopping do not worry about not with U Shield, participate in second kill don't worry about the computer is not around ... As long as you carry a small cell phone with you, these problems will be all done.　　Now, these High-tech lenses that once only appeared in movies have been made available to ordinary people.　　Data show that 2010, China's mobile payment market overall size reached 20.25 billion yuan, it is predicted that the 2011 China Mobile payment market will continue to grow strongly, to 2012 will be more than 100 billion yuan, and to 2013, mobile internet users will surpass PC users, to 721 million. These astonishing numbers bode well for the vast blue ocean of mobile phone payments that have been opened, and is in its mighty March, in addition to operators, banks, online shopping platform This "iron Triangle" camp, mobile phone manufacturers, other payment platform and even some sites are also in succession, for the mobile phone shopping market layout before the "Beach Landing",　　Occupy a favorable position in a party. In the pocket of the "bank" and the Dragon Boat Festival, the Netizen Wang to the supermarket to purchase a few boxes of Zongzi, to the cashier checkout, but found that the front of the customer is just using a mobile phone in the supermarket a machine on a sweep, "drip" to complete the payment process.　　Looking at the hands of the wallet, and their own shopping for the supermarket hard to accumulate a long time of change, Mr. Wang feel a little bit out of date.　　He did not expect that mobile phone payment has advanced to this extent! And in the Dragon Boat Festival, Zhejiang Netizen Zhang early to the mobile phone shopping moved heart. That day, he and his girlfriend went to the cinema to watch "Kung Fu Panda 2." As usual, he pulled out his credit card to pay for it, because it was not only convenient but also credit card credits. But when he saw a young man in front of his mobile phone, and then gently brush on the machine, the immediate completion of payment, he thought of his credit card to enter the password, the signature word how troublesome.　　And so he asked the price, the original value of 60 yuan movie tickets, so with a brush with a mobile phone as long as 27 yuan, he felt more depressed, the original and mobile phone consumption, credit card consumption has been outdated! And in Zhejiang Cixi Bank, handling this "mobile phone bank card", the charge is only 35 yuan, of which 15 yuan is the card fee, another 20 yuan in the use of 6 times will return. In addition to watching the movie discounts, the current mobile phone bank card can be in the Cixi ERA cinema, RT-Mart, Ganso cake shop, White Swan Audio-visual book shopping malls, Hauchanhau steak, Yi Fung Large pharmacy and other thousands of Cixi local merchants to use, in addition to the Ningbo District bus use, in the future can even be used in light rail, rental and other transport vehicles,　　It's also accompanied by a lot of discount features.　　He did not expect that mobile phone payment has so many features! In Shenzhen, mobile banking can also be tied to the mobile phone to pay accounts or bank accounts, to recharge the air, so that the people travel more convenient. It is worth mentioning that the mobile phone Shenzhen Tong also has mobile wallet, mobile phone tong Bao, enterprise card and other functions. At present, including shopping malls, supermarkets, cinemas, including more than 750 stores, as well as subway stations, convention and exhibition centers, transport hubs, commercial buildings nearly 200 vending machines can be used for mobile phone shopping, and the coverage point will be more and more. Of course, these are just the "tip of the iceberg" of the mobile phone payment function. At present, most people think of mobile phones as a carry-on "bank", which can be used to deal with all kinds of basic business banks can achieve. These businesses can be broadly divided into three categories: first, the cost of checking and payment. Including account inquiries, balance inquiries, account details, transfer business, bank collection of utilities, telephone fees, etc. the second is the shopping function.　　Customers will be mobile phone information and banking system after binding, you can through the mobile phone banking platform from the Internet or supermarkets, shopping malls to buy goods, the third is the financial services, including stocks, Chaohui, buy funds. Anytime, anywhere, if you want, you can take out your mobile phone from your pocket and handle related business. Simple, convenient operation method, fast, efficient use of the program, so many people for mobile phone shopping is full of novelty and desire.　　Owning a "bank in the pocket" has become a dream for many people. The vast blue Ocean's latest data show that at present, China's mobile phone users have more than 900 million, in terms of household penetration rate, has been more than 95%. Another group of data shows that among these mobile users, in 2010, China's mobile phone users increased by 70 million, the total size reached 303 million people, accounting for 66.2% of the total number of Internet users, ranked first in the world, and by the end of April, this number has jumped to 477 million.　　The continuous growth of mobile internet users has bred a vast market and limitless opportunities for the development of mobile web industry. With this huge base, there is no worry that more netizens will join the big camp of mobile phone payment. Compared to the traditional means of payment, the obvious advantages of mobile payment, so that can accept the "pocket of the Bank" more and more netizens. According to the 2011 China Mobile Banking User Survey report, by February 2011, Mobile Banking business is being accepted by more and more people, their use of mobile internet users has reached 52.2%, compared with the July 2010 36.8% of the use rate has significantly improved, this popularization speed,　　Even more than a lot of bank card issuing speed. In addition to the number of advantages, the rapid development of e-commerce for mobile phone payment provides a good market environment. At present, in addition to Taobao, Beijing and the east have formed a certain scale of large-scale shopping mall type of E-commerce platform, where guests, red children, Poly-Mei excellent products, such as a series of vertical sites, but also for netizens to provide a large number of professional shopping options.　　Especially in the second kill activities and the emergence of group buying site, netizens are more looking forward to catching their favorite goods anytime, at this time, the mobile phone seems to have become a necessary product. And before the mobile phone to steal food, mobile chat is different, while opening a boring regular meeting, one side can experience the "shopping bargain" fun; while sitting on the bus, while you can handle the weekend suburban tour tickets, this is more authentic than virtual online games, Easier to pay than the reality of shopping can even change a person's way of life, which will undoubtedly let netizens heart unceasingly; Of course, the security of small shopping, also let a lot ofUsers can realize the mobile phone shopping at ease. Of course, to say that it has a broad market and to use "rigid" data to speak. Data show that 2010, China's mobile payment market overall size reached 20.25 billion yuan, an increase of 31.1%.　　It is predicted that the 2011 China Mobile payment market will continue to grow strongly, and by 2012, China's mobile payment transactions will be more than 100 billion yuan.　　The mutual promotion of mobile payment and small business E-commerce will open a wide market for the rapid development of the whole industry. Armed "mobile phone" mobile phone pay so hot, then such a portable "bank" is how to operate it?　　Reporter learned that the current market mainstream mobile phone bank is in the mobile phone "armed" a new card, this card is different from the traditional SIM card, usually by the bank or operator launched the integration card.　　According to Ningbo Mobile company related personnel introduction, their so-called "mobile wallet" is the traditional financial IC card integrated into mobile phone mobile SIM card, mobile phone SIM card, debit IC card, Enterprise card, citizen cards, such as multiple cards in one, so as to achieve a card more use, to provide convenient services to the public. According to the Electronic Wallet menu password to enter the electronic wallet, the bank card account circle to the electronic wallet account, the maximum amount of electronic wallet 1000 yuan. In the on-site consumption, directly from the electronic wallet deduction, do not need to enter a bank card password. If the balance of the electronic wallet is insufficient to pay the consumption amount, you can make the balance of the electronic wallet and then brush it.　　In the consumption, just the back of the phone to the dedicated POS machine, stay A or time, after the success of the deduction, the consumption of small tickets will automatically print out. In Shenzhen, a card called the mobile phone Shenzhen Pass is realized through a card named Rfid-sim. According to reports, the mobile phone Shenzhen through Shenzhen Mobile and Shenzhen Tong Company Development, the project based on radio frequency Identification Technology (RFID), mobile phone SIM card, Shenzhen pass card two cards in one, the user to replace the Rfid-sim card, do not change the mobile phone number, you can pay for the brush mobile phone. Passengers in the use of mobile phone Shenzhen Tong, with the phone on the back of the swipe machine lightly strokes, mobile phone payment has been successful.　　Open the Phone menu, which clearly shows the record and balance of the transaction. Of course, in addition to these anytime and anywhere can use mobile phone card consumption near-field payment business, the meaning of mobile payment also includes a broader market for mobile phone long-distance payment business, such as the payment of internet shopping, payment, etc. do not need to brush the phone's payment methods. Instead, it uses the pre-loaded payment software and the open mobile payment account in the phone to pay.　　At this time, for mobile phone, need is a set of more intelligent operating system, in addition to surfing the Web page, but also need to install a payment software, for the current mobile phone, this is another kind of "advanced equipment." Moreover, with the popularity of the smartphone 3G network in the Chinese market, the function of mobile phone is not a call tool, but a collection of internet, shopping, friends and other functions in aThe "Senior Warrior" of the body.　　Nowadays, this warrior, dressed in modern armor, is also moving toward a mobile phone to pay for the vast blue sea. The war is ready to face a broad market prospects and the temptation of huge profits, countless "army" want to join in as early as possible, contending for the happy enclosure, and strive in this market pattern has not yet formed before they can occupy a piece of their own territory.　　As a result, we can see that, including telecommunications operators, financial institutions and payment platform, mobile phone manufacturers and even a number of large groups of companies are struggling to open to this piece of "Blue sea", scrambling for the Blue Sea competition has set off a bloody. The most important thing is to have a huge financial support and resources background of the telecommunications operators and financial institutions, with a wide range of customer resources and market base, their "territorial waters" is gradually expanding.　　And war begins between them.　　In addition to the small scope of cooperation between the local banks and mobile companies mentioned above, many banks began to lay down their mobile banking business as early as a few years ago. "Each bank has been doing mobile banking, but it used to be a WAP version," he said. 2010 launched a race to release high-end mobile phone clients, with the industry maturity rise, 3G business promotion, customer number increase. "Wang Bing, senior manager of Bank of Communications electronics, said in a media interview. In addition, CMB, CCB, Bank, ICBC and other banks have launched a mobile banking business, and further clarified the pattern of war.　　And, in order to rob customers, banks are also competing for concessions in terms of fees in order to attract more customers.　　Of course, the country's three major telecom operators can not give up such a good opportunity, a dark war early in between them began. April 2011, China Unicom registered the establishment of "Unicom WO Easy to pay Network Technology Co., Ltd.", and with Beijing card cooperation, the first batch of the introduction of dual-interface card, carrying a card application, bus, subway and cooperative merchants to play mobile phone consumption; March 2011, China Telecom set up a payment company "Tianyi E-commerce　　The use of its own accounts and "bank, UnionPay, public transport joint card form" to promote the wing to pay, is currently in the commercial stage, the user about 140,000; in March 2010, China Mobile invested in Pudong Development Bank, the first mobile payment platform jointly developed by both sides will be online in the third quarter of 2011.　　The financial institutions with abundant capital and high quality customers and the telecom operators who have a large number of stable end-users will become the first big camp of the mobile phone to pay the blue sea, and have the position of lifting the weight lightly. But what we can not ignore is that these two parties only for mobile phone shopping provides a payment platform, and the real "battlefield initiative" is also in the hands of the vast number of electric business enterprises. After all, remote payments will be the main camp for mobile phone payments. And these electric business enterprise, also already started its own layout. A few days ago, Taobao and Alipay related leaders confirmed that the current telecommunications operators have expressed the establishment of "mobile shopping" cooperation will, the specific operational content and schedule is still in contactAnd the domestic famous group purchase website handles the network recently also specially for the handset user developed a "handles buys" the client, after the user downloads, can browse this group purchase website The newest information at any time. If the phone has been installed on the payment software, but also to achieve timely payment. In addition, Taobao Wireless and immediate purchase of mobile phone shopping platform and trading treasure, Lemon Street and other small mobile phone shopping website, also in these two years gradually rise and rapid development, exacerbated the blue sea competition heat.　　Of course, Tencent, Alibaba, Baidu, Sina and other desktop internet giants are not far behind, have already started mobile plans, trying to continue their dominance in the desktop era. Of course, in the face of these stragglers, the market also has a huge legion can not be ignored, this is the mobile phone developers. Before, many banks have been studying the "WAP" version of the client, and with the iphone, Android, BlackBerry and windows and many other mobile phone applications, the emergence of the banking development began to appear a phenomenon. At this time, mobile phone developers have mastered the endless opportunity and business opportunities. Some professionals point out that, at present, Apple, Google are doing mobile payments, Apple mobile phone as long as a support for short-range wireless communication technology, and its store application, to make money and operators does not matter. And Google has recently officially released mobile payment services Google Wallet, the official "invasion" mobile payment industry.　　Google Wallet will support a variety of credit cards, Google offers is a day-to-day trading services, will be e-mailed to send coupons to customers or mobile phones, users can be redeemed through the mall checkout, or mobile phone.　　We can imagine, in the next two years, in this vast sea, will set off how much wind and waves. The sea Reef heavy mobile phone shopping so convenient, in the domestic promotion range is also very wide, but its use of the situation is unavoidable to worry.　　Domestic agencies have found that only 14.9% of the current domestic mobile phone banking users with mobile banking online shopping, and 52% of users are used to query the balance of accounts, details, and so on, there are 15% of mobile banking users with mobile banking payment transfer, other users are more use of financial and other functions. Why this happens, the original, the function of the increasingly perfect online banking as a new thing, bring people convenient service at the same time, its security risk has become a lingering shadow of people's hearts. A survey showed that 1.75 million new "phishing sites" were added in 2010, up 11 times times from the previous year. After a series of SMS scams in the bank's phishing campaign, fraudsters have escalated their approach-turning the scam into a nascent mobile banking business.　　This makes many netizens start to be intimidated by the handset bank.　　On the other hand, because the mobile payment business will bind all the information to a small mobile phone, and the current security of mobile payment software and domestic credit level does make mobile phone payment has been applauded the situation. In addition, mobileThe payment standard has not been determined, and the disorderly competition between different models and different handsets will bring about the increase of cost and unfair competition. And behind these potential wars, innocent customers are likely to be the victims of competition. June 2, China UnionPay Executive vice President Chaihong in the "2011 Financial It Summit Forum" for the first time to explain to the outside world mobile payment standards set benchmarks, he said, mobile payments strive to give the final option to the user.　　No matter which mode, the final choice should be given to the user, and not by a certain industry, a certain unit constraints. In addition to fierce competition, mobile phone payment of the blue Sea is also full of heavy reefs. This is also the mobile phone payment in the development of nearly a decade, still can not be widely used a major factor.　　Benign competition at the same time, the major competitors also have to consider how to evade risk, this not only requires the whole market to establish a healthy and orderly environment, but also need mobile phone manufacturers, operators, banks and even network security companies to work together. The opening of a blue sea is bound to face countless challenges and opportunities, how to grasp the opportunity in such a strong wind and waves, realize self-worth, should be a number of "warriors" must consider! Weibo recommendation | Sina Science and technology official Weibo