Three operators race to apply for mobile phone payment license Place

South is drawing: Chen Ting local test water to fight, security, convenience into the key to Victory May 26, the People's Bank of China announced the first batch of Third-party payment licences to the list of 27 companies, the three major operators are not happy.　　The three operators in the "Battle of the Cards" annihilated, in the list of 27 companies, unexpectedly an operator's name can not be found, even China Mobile and the Chinese Unicom joint venture company has been defeated. Third party payments are expected to reach 1.72 trillion trillion yuan this year, according to the latest data, and China's third-party online payment market is expected to reach 4.1 trillion by 2014.　　In the broad market prospects, the three major operators are in the midst of the layout of mobile phone payment business, Sprint to get the cards for large-scale commercial preparation. China Mobile and Pu launched the mobile payment platform in the three quarter of this year. China Unicom is applying for a central bank licence to be tested by the central bank by the end of this month.　　China Telecom has been recruiting, set up "Tianyi Electronic Commerce Co., Ltd.". Financial institutions, operators and third-party paying companies all want a piece of cake in the face of third party payments in this huge market. "Operators rely on huge user resources to join the third party to pay the competitive advantage." "Flying like net C eo Xiang in the interview with the south, said the three operators to take the license plate is only a matter of time."　　And the future operators around the mobile payment business competition, will focus on the test of business integration capabilities.　　Operators busy mobile phone payment platform, although not the first batch of Third-party payment license, the three operators are exerting mobile phone payment business, Non-stop to build mobile payment platform, Sprint to take Third-party payment license, for the size of commercial preparation. It is understood that Unicom has now submitted a licence application to the central bank, the application of business scope, including network payments, mobile payments and bank card receipts. According to the central bank's structure and standards for payment accounts, Unicom is now undergoing a revamp that will be tested by the central bank this month.　　If the test passes, will soon get the license. Two months ago, Unicom has set up the "Wo Yi" Network Technology Co., Ltd., into mobile payment.　　Unicom sources said at the time that the latest September is expected to be able to obtain third-party payment licences. China Mobile, a year ago has been a stake in the Pudong bank, the third quarter of this year, the first crystal ——— mobile phone payment platform will be online nationwide. Users do not need to change the phone and number, as long as the original mobile phone installed on a platform, you can make the phone with the same bank card payment function.　　Previously, China Mobile's chairman, Mr Wang, had confirmed to the media that China Mobile was applying for a third-party payment licence. China Telecom is also unwilling to do so, for the preparation of payment companies recruit. This March, telecom set up "Tianyi Electronic Commerce Co., Ltd.".　　Telecom related sources said that the payment company's structure will also apply for payment license. "It's only a matter of time before operators apply for licences," he said. Xiang said that the Third-party payment license is not limited in quantity and can be applied in accordance with the conditions. After perfecting the application conditions, the operationMay appear in the next second and third instalment lists. Analysts pointed out that operators missed the first batch of third-party payment licences or because the layout of Third-party payments late, the application time, the payment criteria still need to be modified.　　It is not ruled out that the operator, with the aid of abundant financial strength, acquires other third party payment enterprises and backdoor the possibility of obtaining a third party to pay the licence. Local preemptive Test water mobile payment business at present, mobile phone payment business has not been large-scale commercial, but many local residents have already enjoyed the early use of mobile phone to brush public transport, pay electricity and other mobile phone payment business brought convenience.　　Operators have quietly speeded up the mobile payment business. To the operator for the fierce competition in Guangdong, for example, May 31, Guangdong Mobile power to push the "phone capacity certification platform", and plans to introduce 100 partners in the year.　　At present, mobile phone Bao Tong has been applied to the people's livelihood, consumption, finance, security, public transport and other fields, with Subway bus card, office attendance management, community access control and mobile business Alliance business concessions and other functions. In Shenzhen, mobile phones can not only brush the bus, the subway, but also to brush taxis! June 1, the mobile phone Shenzhen Tong put into use.　　Shenzhen Mobile responsible person, users do not need to change the number, as long as the existing ordinary mobile phone SIM card replacement for the dedicated R Fid-sim card, take a taxi can brush mobile phone payment. At the same time, Guangdong Telecom launched the Sky Wing Yangcheng Tong, Sky Wing Guang Forton has become increasingly operational mature.　　Do not change the phone no change, just a special dual-interface SIM card, you can use the mobile phone to take the subway, the mobile phone as a Yangcheng pass. Guangzhou Unicom last year in the mobile phone to pay the start of the first artillery, join UnionPay, ICBC launched the "Peony Bank" mobile payment card, opened the first financial industry in Guangzhou mobile phone payment precedent.　　On the basis of the special mobile card, with the industrial and Commercial Bank peony credit card bundled, the user through the mobile phone, relying on UnionPay payment platform, can achieve business consumption, urban public transport, campus and other areas of small rapid payment of "electronic cash" and large "electronic debit" function. "Operators as a whole, to join the third party to pay the competition has a huge user resource advantages, many small payment companies are difficult to reach." Between the three operators, the situation is similar to each other, who has more advantages than who.　　"Xiang said.　　UnionPay 13.56M H Z Technology mainstream in the mobile payment arena, there has been two factions. One is the 13.56M H Z standard at the helm of UnionPay, most of the domestic non-contact card use frequency is 13.56M H Z, which is the only recognized financial institutions can carry out contactless financial payment frequency.　　The other faction is the mobile-led 2.4G H Z standard. The move to pay standards has never ceased since last June. In the near future, we finally have a more definite result. "At present, adopt UnionPay standard basically no suspense, 13.56M H Z of N FC technology is suitable for near-field payment, compared to strong penetration of 2.45G H Z Technology, account security is much better, and alsoIn line with international trends.　　Xiang told reporters. In April this year, "2011 China Mobile payment Industry Forum", the National Gold Card Office director, China Information Industry Chamber of Commerce President Zhang Qi said, mobile payment standards have been initially clear, near-field (short distance) payment using the 56MH z standard, 2.45G H Z scheme only for closed application environment,　　Not allowed to enter the financial circulation. Unicom and Telecom early on the team, before the use of the UnionPay standard. has been adhering to the independent research and development of mobile payment standards in the move also out of its 2.4G H z Standard, transfer to the UnionPay standard.　　Recently, many of its mobile payment projects adopt UnionPay payment standards, making the "mobile bias UnionPay standard" from hearsay into reality. At the same time, China UnionPay vice-president Chaihong revealed that the draft mobile payment standards have been developed. "The draft of the current standard development has been completed, the parties in the main content of the views have been harmonized." "The draft standard for mobile payment embodies advanced industries and technologies from smart cards, mobile terminals to mobile operating systems, client software and financial applications. "" Reference to the international Advanced safety standards, smart cards, mobile phones and other key aspects of the design of a new security level requirements, set up a full range of mobile payment procedures to cover the payment security system. According to Chaihong Introduction, the mobile payment national standards will be a complete set of product testing and access mechanism.　　The detection content includes the mobile phone, the smart card, accepts the terminal and so on the entity, also includes the business logic and so on, all tests all will carry on by the national Competent authority designated specialized organization, causes the mobile payment this innovation business to be able to carry on the good norm at the beginning of the development. Safety and convenience two major factors need to break through "before large-scale commercial operation, the operators in the development of mobile phone payment, engineering standards, laws, hardware are to be improved." "Xiang that," for consumers, mobile phone payment is the most important security and convenience of two factors, the security of mobile payment depends on the development of technology, convenient to test the integration of operators, test operators can integrate all the business, including the basic certification technology, digital certification.　　"The industry has suggested that the development of real-name systems and the improvement of the credit system can improve the security of mobile payment." "The mobile payment industry has a huge impact on the industry chain, and all businesses that need to pay will be affected, especially in retailing."　　Xiang said that the mobile payment business chain involves many areas and will have an impact on the entire e-commerce industry. China's Banking Association May 30 issued the "China Credit card Industry Development Blue Book (2010)" pointed out that with the rapid growth of mobile internet, China Telecom, China Mobile and Unicom, the three major operators of mobile phone payment as the focus of the future promotion of the core business.　　and software operators also increased in the mobile phone card function research and development input, such as Silver Joint machine card business trial run, the combination of the two business will bring new business opportunities.　　The contention of the dominant point of view is UnionPay winning? Payment in MobileIn the market, there are many games, such as operators, financial institutions and third-party payment enterprises. How do you view the relationship between the operator and UnionPay in the fragmented third party payment market?　　Wang Liusheng, an international analyst at Analysys, points out that both operators and UnionPay belong to the core of the mobile payment industry chain, and both sides want to circumvent each other's systems to gain dominance and conflict of interest. "The competition between operators and UnionPay is inevitable, but according to the current situation, UnionPay is more powerful, the UnionPay is the manager and the operator accepts the UnionPay management," said Xiang, CEO of the Flying Elephant network. "For operators to develop mobile payment business, telecommunications marketing and strategic consulting expert Wang Yuquan put forward different views:" Operators are best not to do mobile payments, willing to do a good job in the pipeline, for the sake of the user has been very good.　　"Wang Yuquan in the south are interviewed by reporters suggested that operators do not have to cross the boundaries of all kinds of business, the maxleaf can be done, mobile pay more space should be left to UnionPay and Third-party payment enterprise development. Nancy reporter Wangxiaoxing Intern Yu Ting