The three operators "the" of the mobile payment

Speculation about mobile payments has long stayed in the Stray of the stairs and the rest of the time. However, on the last day of 2011 years, the three major operations of China Mobile, Chinese telecom and Unicom also got the licences paid by third parties, whether it indicates that mobile payment will usher in substantial progress in China. Many stakeholders are gearing up and looking forward to a slice of the huge market.

The coveted prospect

1.3 billion of the population base, 220 million of mobile phone payment users, simple these numbers are enough to be crazy. And according to industry experts analysis, in 2012 and 2013 China's mobile payment market size is expected to reach 100 billion yuan and 150 billion yuan. For this piece of fat, including Google, Apple, Nokia, HTC and other domestic and foreign smartphone super manufacturers have put "mobile payments" as the future important direction of development.

The community has long awaited the mobile payment business, which is another wave in the information age. "China Mobile payment business is in the early stages of development and is still in the coming years, but with the development of the market and the change of users ' needs, the new mode of cooperation and the mode of competition will certainly appear and form the industrial scale," said Liu Jinjun, deputy director of the Information Technology Alliance and the Ministry of Industry

At present, the development of the three major operators to stay online shopping near the low level of payment, in the future mobile payment market, with technology breakthroughs have an unpredictable energy.

China Mobile said that mobile payment will be the company's future "blue sea" area, the plan to create 10 billion yuan scale, the current mobile phone users have reached 750 million, a huge user base for the development of mobile payment business is a huge potential market. At the same time, the popularity of smartphone and the growing maturity of 3G network application and the gradual promotion of mobile payment are the important conditions for the rapid development of mobile payment in China, which is also the important reason why the three telecom operators and China UnionPay increase the layout of mobile payment service.

Multifaceted

Since 2008, China Mobile began to pay attention to third-party payments, and tried to establish a third-party payment platform, so last June formally established the Sino-Commerce Co. At present, China Mobile phone payment business is divided into two categories: the first category for mobile phone payment, you can achieve remote payment on the phone; the second type is mobile wallet.

China Mobile phone payment business users through the payment client on the mobile phone to use the comprehensive mobile payment services, such as payment of telephone calls, receipts and payments, living expenses, order payments. At the same time, China Mobile launched a lot of apps after it launched its mobile phone payment wallet. Last year, the business has covered more than 40 cities, the first half of the turnover close to 100 million yuan, the monthly turnover reached more than 40 million yuan, the user size has reached 40 million.

China Telecom also set up the Tianyi Electronic Commerce Co., Ltd. last March, which covers such fields as mobile payment, fixed network payment and integral payment. One of the "wing payment" is currently the main push of China Telecom mobile payment business, since last May, the capital city people can pass a special RF mobile phone UIM card, China Telecom's 3G mobile communication function and municipal traffic card card function organically integrated in this mobile cards, Simply carrying a mobile phone can easily achieve the credit card by bus, Subway, business card consumption, dot electronic wallet recharge, mobile phone aerial electronic wallet recharge and other services.

China Unicom's mobile payment business as early as the end of 2010 in Beijing, Shanghai, Guangzhou, Chongqing four cities officially commercial. In April 2011, China Unicom paid for the business license, last December, the company received a domestic third-party payment license, the business covers internet payments, mobile payments and bank card receipts and other payment operations.

At the same time in the mobile payment field, the third party payment company is the vanguard. Recently, the China Internet Network Information Center released data reports show that as of the end of December 2011, China's use of online payment of the user size reached 167 million, the use rate to increase to 32.5%.

Paying companies to pay the overall layout of mobile phones, but also led to the growth of mobile phone online payment users. As of December 2011, mobile phone online payment users reached 30.58 million, accounting for 8.6% of mobile phone users. Alipay set up an unlimited payment field alliance, marking the completion of Alipay in the wireless payment area to complete the vertical layout, meaning Alipay mobile internet payment opening strategy officially launched. Fast Money CEO Guoguang also said that the company has developed a mobile payment business planning, but mobile phone payment will still take a few years, the need to pool all the advantages of resources to form a strong force, in order to accelerate the penetration of various areas in the terminal.

Security remains the key.

About the Google Wallet loophole can lead to users stolen news, has been uploaded on the Internet, the issue of the security of mobile payment has again become the focus of concern. The question of "payment security" for new payment methods has never been interrupted, and there is still a conservative attitude among young people about such a quick, easy and convenient way to pay, with the biggest concern being security. Many people worry that in the course of dealing with security risks will indirectly lead to the failure of the transaction, and if the phone inadvertently lost, it is easy to be used by others, resulting in the name of the owner of the theft of the relevant payment, will ultimately seriously threaten the user's property security. In addition, the domestic mobile phone payment to implement a unified technical standards, operators close the door to establish their own operating system, incompatible with each other, which also increased the hidden dangers of security.

In order to prevent loss, robbed, and other unsafe factors to the customer may cause losses, China Mobile phone purse stipulates that the maximum consumption limit can not exceed 1000 yuan, but still can not fundamentally eliminate the risk of loss of property. Yangminggang, vice president of Beijing University e-Government Research institute in this proposal, mobile payment business in the promotion of popularization needs to do the following several aspects of preparation: first, so that the vast number of mobile phone users to understand the advantages of mobile phone payment and security; The bank system upgrades the wireless Payment business module or the interface accordingly; In addition, the mobile payment as a more efficient means of payment, to use a high intensity encryption algorithm to ensure that the phone user's account and input password information is not intercepted or stolen, or should use a scientific authentication and recognition system, Ensure the security of the information in the account. Because only the security in the first place, but other than the logical realization.

(Responsible editor: Lu Guang)