Technical standard not 13 big operators face mobile phone payment bottleneck

Every reporter Chen Weilin from Shanghai February 5, China Telecom in Shanghai Nanjing Road Pedestrian Street issued a mobile phone card business, the business of the Shanghai telecom users only "brush" mobile phone can be in the Nanjing Road 50 designated businesses within the consumer shopping.　　This is after China Unicom last April in Shanghai launched mobile phone bus card business and China Mobile This January in Shanghai launched mobile phone subway tickets and mobile phone Expo ticket, the three major operators again in Shanghai launched "class mobile phone payment business." The reason is called "Class mobile payment business", because the above business only realizes to the bus, the Expo ticket or the agreement merchant's "brush the handset", but did not really like the bank card deep consumption each detail.　　But it is undeniable that with the popularization of 3G applications in China, this market is ushering in a huge development opportunity, but at the same time, it is also facing technical bottlenecks. Operators to each other according to a mobile payment business solution provider, in the creation of the entire mobile phone payment industry chain, China Mobile will be slightly earlier than the other two. "At present, China Mobile Rfsim card technology has formed a set of standards, relatively complete, chip providers just follow his standards to do it."　　In this respect, China Mobile has to move earlier than two Chinese telecom and China Unicom. According to the daily Economic news, Shanghai Telecom's launch of the first mobile phone payment business with the Shanghai Nanjing Road pedestrian street more than 50 merchants contracted. Telecom users want to open this business, need to replace a UIM card in the hall, and in the built-in electronic wallet recharge, can be in the contract shop brush mobile phone consumption.　　Shanghai Telecom company revealed that the second half of this year will be the business of the contracted merchants from Nanjing Road to expand to the city's various business district, the end of 2010 is expected to contract the merchant can reach 3000~4000 home. As early as last April, China Unicom had been the first to release its NFC-based mobile payment business in Shanghai, which could be used to swipe its mobile phone for public transit. After that, seven-year-old mobile phone manufacturers to China Unicom's customized built-in NFC chip card phone debut GSMA2009 Asia-Pacific special session.　　However, so far, China Unicom's This card phone can only be used to brush the function of the bus card, not with the bank card binding. Compared with telecom and Unicom, China's mobile phone has a wider range of payments. This year, China Mobile has been in Shanghai, Beijing, Chongqing and other sites launched a small mobile phone payment business pilot. Earlier this year, Shanghai Mobile opened the "Expo Pass" mobile wallet, and then launched the mobile phone to take the subway business, and the city with more than 1000 merchants to promote mobile phone consumption. At the end of January, Beijing moved to join forces, Golden Phoenix Ching Cheung, Tianlong, Jiahe, and other chain merchants, as well as more than 600 ski resorts in the suburbs, Hot spring Resort and other businesses launched a brush mobile phone consumption business.　　At the beginning of February, China Mobile was launched in Qufu Normal University, Huaiyin Teachers College and other colleges and universities for specific users of the "Rfsim card" campus cards business. Last March 27, China Mobile's only full network of mobile phonePay platform in Hunan completed and officially online trial run, which is regarded by the industry as China Mobile mobile phone to pay for the landmark event. The above mobile payment business solution provider, and the improvement of peripheral services, payment platform construction and security is an important and arduous task.　　While the mobile and sophisticated generation of fees and credit system has laid a good foundation for payment applications, but in the real build similar to Alipay, such as third-party clearing-clearing platform, whether mobile or other two operators have much work to do.　　The Battle of the solution as the three operators begin to scramble for the mobile payment market, the solution providers on their upper reaches of the industry chain are also in the middle of fierce infighting. The mobile payment business Solution provider in the daily economic news interview, said that in the formation of mobile payment business accounts, carriers, payment environment of the three key links, operators only occupy one aspect of the carrier. At present, the mobile payment business of the technical standards of NFC (Nearfieldcommunication, Proximity communication technology) and RFID (non-contact Radio Frequency identification technology) Two camps, the respective camps have a variety of different solutions, so that operators in the development of mobile phone payment industry is facing a big bottleneck,　　Leading to the current mobile phone payment business facing many restrictions.　　According to the "Daily economic news" incomplete statistics, Shanghai Fudan Microelectronics Co., Ltd., Hanfeng Information Technology Co., Ltd, three mobile payment solutions provider. Among them, the Fudan Microelectronics company which provides the mobile bus card solution for Shanghai Unicom and the Han Silver technology company, which is the China Telecom Group's mobile payment business in Beijing Communication exhibition, is an NFC camp, however, Fudan Microelectronics provides the NFC chip built-in mobile phone terminal solution, in Japan, Korea and other countries commonly used, But the user needs to replace the mobile phone with the built-in NFC chip, while the Silver technology offers a NFCSD card solution that simply inserts a NFCSD card into the phone, but requires a higher operating system for the handset terminal.　　As for the information technology technology, and China Mobile's current self-propelled integrated RFID SIM card technology is basically consistent. "Daily economic News" noted that at the second half of last year's Beijing Communication exhibition, China Telecom group on the display of the NFCSD card scheme, but the actual application in Shanghai has become the Rfsim plan. In this respect, Shanghai Telecom Mobile payment Business solutions provider Gang Mingkui Information Technology Co., Ltd. Marketing manager, said the three major operators are currently in the mobile phone payment solution, still carrying out a variety of attempts, "try to choose which plan is good, later on which, our competitive opportunity is here." "Industry experts pointed out that the current mobile phone payment technology in the two camps, NFC technology, NFC chip and application security chip is independent of the SIM card, the technology in Japan and South Korea, the application is quite extensive and mature, but also popular with users, but involvesThe replacement of terminals, the promotion of greater resistance, and rfsim technology compared to the NFC scheme advantage is not to change the phone, but the disadvantage is that the antenna can not be perfectly hidden in the machine, "and Rfsim technology in the frequency of the standard is 13.65MHz or 2.4GHz, China Mobile and the PBoC still have differences."　　Private equity is investigating a company that is still in its infancy, but mobile payments have attracted investors ' attention. A well-known private equity manager in Shenzhen told the Daily Economic news reporter in an internal meeting, "We are investigating a mobile phone payment company." The company had just successfully invested in Tencent. The manager did not disclose the name of the company being investigated. It is understood that in the domestic listed companies, and mobile payment related companies include Chengdu Guardian Tong (002268,sz), eastcom Peace (002017,SZ), Gaoyang Technology (0818,HK), Datang Telecom (600198,SH), ZTE (000063,SZ), extension information (　　002261,SZ), Long Electric Technology (600584,SH), South-day information (000948,SZ) and so on. According to the Analysys International enfodesk industry database to be released in the 4th quarter of 2009 Quarterly monitoring of China's third party payments market, the 4th quarter of 2009, China's third party payment market transactions reached 184.91 billion yuan, the chain growth of 19%, year-on-year growth of up to 117.1%. In 2009, China's third party payment transactions amounted to 580.84 billion yuan.　　In addition to the increasing level of customer activity, some third-party payment vendors in public utilities, air tickets, insurance funds and other areas of the new services also for the expansion of its transaction size has played a positive role in promoting. Currently, the popular mobile payment business process involves the payment participants: consumers, merchants, mobile operators, Third-party service providers, banks. Among them, consumers and merchants are the service object of the system, the mobile operator provides the network support, the bank provides the bank related service, the third party service provider provides the payment platform service, through the combination of the parties to form the complete chain of the mobile phone payment.　　The main business qualification, mainly with mobile operators as the operating body, the bank as the operating entity and the bank and the mobile operator cooperation, third-party payment service providers to support three models, the most commonly used is the third mode. "In the dominant mobile phone payment industry chain, in fact, banks than operators have advantages, accounts, carriers, pay environmental banks have, operators want to real mobile phone payment market, leading the entire mobile phone payment industry chain, the first to deal with the bank," said the solution provider, " Banks are actually interested in working with carriers to pay for their mobile phones, but for the most important security reasons, banks are not going to join the market, especially big banks, in the absence of a uniform standard of technical standards for mobile payments. Moreover, the future dominance of the industry, banks are also considering, mobile phone payments can bring to their own, is not a strong input to dominate the industry. Ministry of Statistics shows that as of September 2009, more than 700 million of the domestic mobile phone users, mobile internet users have reached 192 million people, and continue to show a stable growth situation. Experts believe that in the 3G era, such a huge number of mobile phone internet access to huge mobile phone consumption energy, and operators of mobile phone payment war, will be the basic technical standards, the market demand is basically mature after the formal launch.