Wang Ruilin: Electronic business has become the biggest internet market for IoT applications

Wang Ruilin, deputy Director, Mobile e-commerce Committee, China Electronic Commerce Association

News and information from November 30, 2012 to December 1, the 2012 third annual China Mobile Payment Industry conference held in Beijing Ambassador Hotel. This conference focuses on mobile payment innovation and practice, and focuses on the global development trend of mobile payment in depth. Wang Ruilin, deputy director of the Mobile e-commerce Commission of China Electronic Commerce Association, delivered a keynote speech.

Wang Ruilin said that in real life, especially E-commerce Logistics has begun to implement dynamic sorting, in the field of E-commerce more widely used. It can be said that E-commerce has now become the biggest Internet applications network market.

The following is a transcript of the speech:

Wang Ruilin: Hello everyone, very happy to participate in today's third mobile payment conference, willing to pay for mobile payment of some of the current new business situation and we do some communication and communication. Especially attending today's meeting, listening to the above experts and representatives of the speeches, browsing the outside of the exhibition, I have many new gains.

I would like to associate these new gains with the topic of my speech today. The topic I'm reporting today, the Internet of Things opens the door to income generation that is dynamically paid. Because we attend meetings that are mobile payment related units, mobile payment to expand and develop the market, mobile payment resources are very important, especially the current Internet and cloud computing development soon, the Chinese Academy of Sciences, said a word, the gets, but cloud computing and the development of the Internet of things is also facing a considerable problem, It's a very important reason for not landing. First, there was no point of entry and docking for landing applications, and the second was that there was no common ground between payments and payments. From this perspective when we study mobile payments today, we look at the need for cloud computing and the Internet of Things to create new business opportunities for mobile payments.

The first topic I report to you is the simple situation of the rapid development of the Internet of things at home and abroad. The simple situation of the development of the Internet of Things I sketch it.

At present, the world's Internet of things is developing rapidly, and the internet of things has gained all-round and rapid development in the fields of industry, public service, social management and military spaceflight. The Internet of things has become a strategic industry. 35 will invest 500 million yuan to develop this strategic emerging industry. Because of the rapid development of this emerging industry, the national authorities to organize experts on the National Cloud Computing network development of the situation has been a considerable number of research. At present in Guangzhou, Jiangsu, Shanghai, Chongqing, the Internet of things are surging in the rapid development and construction. The former state-owned 30 provinces and cities more than 400 prefecture-level cities to make things networking development planning. and a number of successful applications have started to emerge.

It can be said that the development of the national Internet of Things is scrambling to build up the number of more and more, more and more enclosures, the project is more and more fierce, with the Chinese Academy of Sciences Wuke (sound) said, called the Internet from everyone online to things internet, is surging.

Internet applications in China have a relatively good foundation, in Shanghai, Shanghai to Chongqing and Yantai to achieve two inland routes and international routes up to Europe, Internet container tracking, and then at the end of 2009 Shanghai World Expo has started to use the Internet to 1.15 million LPG bottles from inspection, logistics, Distribution to achieve the entire electronic label supervision. In the electronic government affairs in the file seal, the tender seal, the Fire seal, the confidential suitcase seal and so on has been widely used.

In real life, especially in E-commerce Logistics has begun to implement dynamic sorting, in the field of E-commerce more widely used. It can be said that E-commerce has now become the biggest Internet applications network market.

At the same time, the Internet technology in the customs, commodity inspection and other fields have been widely used and rapid development, in the industry, agriculture, business, military, security and other fields of application more widely.

We look at this picture below, is the dynamic tracking of pork in food. The middle is tobacco, the right green is the cultivation of ecological vegetables. The rightmost figure is the military use of two-dimensional code technology and IoT technology to dynamically track some of the floating numbers. At the same time, the standard system framework for Internet of things has been established, industry alliances have been formed, and the development of Internet of Things has entered the fast lane. However, as far as the whole country is concerned, there are still two shortages and some difficulties. The lack of the first is the lack of a complete standard system, the second is the lack of successful landing business model. More difficulties, less openness, insufficient resources development, demonstration effect is not strong, lack of demand mining and so on.

One of the most important difficulties is that there is no good solution to the problem of payment. But the innovation and integration of IoT technology is very strong, and when combined with mobile technology, the innovation and promotion of mobile technology is very big. Therefore, the combination of IoT and mobile technology offers a variety of innovative dynamic payment patterns.

Let me introduce you to 8 kinds of new patterns in this field.

We know that the most basic feature of the Internet of things is practicality and usability, and in this practice we realize the value added and value-added of resources. The Internet of things technology has greatly expanded the electronic payment market, which has innovated new mobile payment patterns. So we are opening up these new areas of application that are innovative and will provide huge mobile payments for new business opportunities.

It is reasonable to say why the internet of Things has opened up some new business opportunities, since the combination of Internet of things and payment can provide both static applications and dynamic applications that can provide both unique applications and extended continuous applications. It can provide a one-time resource decreasing application, and can provide the decreasing application of consumption resources. Not only can provide customer information is not replicable application, but also can provide product information prosecution application. can provide energy-saving and environmental protection applications, but also can provide a variety of service payment applications.

Because of this new service feature, the combination of Internet of things and mobile payment provides us with 8 kinds of innovative dynamic payment patterns. These new patterns are dynamic customs clearance and no parking payments, dynamic service according to the monitoring of the standard payment, the Internet of things to ensure that the process of integration payment, the prosecution of food inspection before the verification of payment, dynamic detection of document verification payment, dynamic supervision by effect payment, service outsourcing supervision and payment, fast consumer goods transaction sweep code payment. These patterns have a great effect on promoting the development and increment of mobile payment.

Here are some simple introductions. We know that with the development of modern logistics, the construction of green channel to reduce logistics costs to improve the efficiency of transportation is very large, according to a World Bank study revealed that China's highway tolls is one of the highest in the world. Especially because of our huge flow of traffic, toll crossings on behalf of paying vehicles queuing more than 200 meters is a frequent phenomenon, the longest has 5, 6 kilometers, this kind of traffic congestion, not only caused by the increase in fuel consumption, pollution of the tail gas, the formation of the length of ascension, but also improve the logistics costs, so that social benefits are seriously damaged.

Just the past two sections of the large use of the situation to show that this is urgent to deal with and solve, in particular, we have 100,000 kilometers nationwide toll road, the world's 140,000 toll kilometer highway 100,000 in China, we will find through Google search, the country has 86,053 toll stations, on average 1000 kilometers per 86 toll stations, Therefore, it is an important link to improve the efficiency of modern logistics transportation to construct toll crossings and improve the capacity of toll crossings.

The key to improving the dynamic capacity of toll crossings is to pay, and the system of non stop payment is precisely providing this possibility, and does not stop paying it is characterized by turning artificial payments into electronic payments. To turn parking static payments into non stop dynamic payments. Therefore, the Internet does not stop dynamic payment system provides us with this practical possibility.

We look at this picture, this is in the container, at the Auto Show, Dock, crossing, customs clearance of the stop payment system. The implementation of non-stop payment relies on the combination of Internet of things and wireless communication technology to automatically carry out and complete the identification of running vehicles, and automatically complete the exchange of toll data. Automatically through the computer network to collect data processing, car owners only need to install an induction device on the window, a certain fee, through the toll site without parking, high-speed fee automatically deducted from the card.

Its experiment deduction time is less than 2 seconds, the ability will be the manual toll Channel 5 to 10 times times. The use of the system to reduce vehicle retention, speed up the release speed, reduce parking waiting for fuel consumption, greatly improve the transport efficiency.

The Internet of things pays for another new form of service is the dynamic services that are paid by the standard. The mark is time? is the target of the service requirement. We look at this figure, this diagram is the transportation of vehicles in the tracking service, but also in the transportation of vehicle fuel-saving situation tracking follow-up investigation. It can know where your company is going in transit and which high-speed route you are taking. What are the security barriers, it is now the fuel consumption and its operation can be monitored remotely.

This kind of monitoring is a brand-new dynamic detection service, completely is a brand-new business state of the Internet of things, this kind of industry state provides the monitoring service according to the request of party A's subject matter, pays the payment according to the monitoring Service content, completes pays. This kind of dynamic payment and monitoring payment has obtained the rapid development abroad, and the most extensive development and application abroad is the dynamic logistics of fresh agricultural products. In the Netherlands, this dynamically controlled remote monitoring service transports strawberries, because strawberries are a very delicate fruit, long haul transportation loss rate of up to 60%, how to do? People have invented the use of Internet technology to control the dynamic electric temperature refrigerated car to ship strawberries, so strawberry with the transport in different areas of temperature change and the need for transport heat preservation of the constant temperature change, can be in the control of the Internet of things automatically dynamic adjustment.

This ensures the freshness of strawberries and reduces the loss of strawberry transport, a dynamic service that is already widespread in Europe. In our country has just begun to try, but this new technology in northern Europe, Eastern Europe, Western Europe extensive application of practice has proved exuberant vitality, it is expected to have a very wide range of application prospects in China.

The new mode of mobile payment is the right of Internet of things and the integration of payment according to the process of service, and the new mode of service is the new mode that appears with the development of Internet of things and cloud computing. For example, in Austria, the use of a network of things Siemens RIVD Blood monitoring system for blood monitoring of the human body, the United States has provided a dynamic monitoring of the monitoring of things online, without taking live testing can be carried out to the human body is the dynamic monitoring of disease. These monitoring require a basic condition, that is, the subject must be strictly determined. Data that cannot be monitored Zhang hat on doe.

How to make the right of the subject of monitoring? In this way, through the object networking and things networking positioning technology to do the right, the entire service process to integrate, and in the process of integration to achieve dynamic payment. Now this payment in northern Europe, Western Europe is widely popular, we see this picture is the Spanish in the dynamic blood collection, we now the hospital said a blood test or blood first doctor to open a single, and then pricing, pricing to pay fees, paid back to the treatment room four steps program. In foreign countries before the three-step procedure is completely simplified, direct access to the treatment room, while the treatment is complete, in the blood collected at the same time, the completion of the charges. This type of fee-based service is also updated in terms of the length of service charged.

Look at this picture, this is in the hospital for infants and children in the networking wrist band monitoring, to prevent the hospital after the child was replaced and lost situation occurred. The implementation of wrist-band monitoring will have a network of internet companies to provide a full flow of monitoring services, the service charges are provided in accordance with time. This method of charging also provides a new payment model with a long point on the subject.

The fourth way to pay for new business is to trace food. The extensive food practice, universal Internet of Things after the retrospective will appear a new requirement, the vast number of consumers will propose to the payment of products for verification services, such as I bought a bottle of Maotai (600519, shares bar), bought a bottle of red wine, you said it is true, but I get home may still not be assured that Then you need to use the network or through the mobile phone for the verification of payment, access to the verification of services, the relevant verification costs have been paid to complete. This payment is expected in China will have a very wide market and great consumption.

Why do you say that? All the vegetables, eggs, meat, etc. now in China's largest wholesale vegetable market all vegetables have begun to implement Internet tracking and IoT monitoring. Therefore, when all kinds of vegetable wholesale counters and shelves are covered with traceability food, this new payment mode, this new payment mode of service demand will definitely be strongly expressed.

This kind of payment demand in addition to on the network, also can use mobile phone, this picture provides to everybody is the handset to Wuliangye (000858, Stock bar), red wine, Maotai carry on the dynamic monitoring. After the mobile phone detection, we notice these words, the detection of what the evidence does not, the people pay the money to get what? The test will obtain an electronic accompanying list of the product's verified authenticity, which is legally binding once it has been challenged in dispute over the product's product or value or quality.

Internet of things another, that is, the sixth kind of new payment mode is the effect of dynamic service to pay, what is called dynamic payment effect to pay? Let's look at the top and bottom two pictures, which are a bookcase that is often used in the family and in bookstores, this bookcase many people take the book back when not necessarily put back to the original, with the Internet of things, the Internet has a function to remind, from the eye take away the book, put back will tell you misplaced, this book should be placed in the middle of the third floor. This bookcase is called a bookcase with memory.

Below is the shopping malls and department stores to sell clothes wardrobe, we know that in the daily circulation of commodities, often occurs in the store people can not see more clothes, because clothes often try to wear, audition, or trial with trial, so often have lost. The use of Internet technology has prevented the possibility of stealing clothes during trial wear.

Therefore, the relevant units produced a kind of thief wardrobe, we look at the following wardrobe, shopping malls have been applied to a kind of put a thief wardrobe, this wardrobe when you try to wear a trial after quietly put on trial clothes stacked up to put their bags, want to take out of the department store, go to the door, store monitoring system will call you, Sir, please put the clothes you have not paid back, or hurry up to pay the payment. This ensures the security of the store's fast-moving goods. What is this service? is a new monitoring based service, its charges are based on the monitoring of the object and the length of the determination. Once the calibrated monitoring period, such as 4 hours or 8 hours, is completed, a charge amount is implemented and automatically deducted.

This monitoring method has been widely used abroad, and we provide a map of France, France, the use of this monitoring services to jewelry store all the precious jewelry and gold and silver jewelry to carry out the whole process tracking and monitoring. This is Korea, Korea is also used in jewelry production process monitoring. This is India, India is also used for jewelry, not for production, is used to put jewelry on the carpet, often lose a jewelry, use this kind of things networked monitoring system to the whole process of the production process and every piece of jewelry for the positioning of the monitoring.

This monitoring method applies not only to jewellery, applied to products, but also used in very sophisticated watches, we know that the world's list of the Thunder God Security table with a composite anti-counterfeiting technology, not only the use of smart card anti-counterfeiting and so on high-end anti-counterfeiting technology, the use of the Internet of things to monitor security, to ensure the safety and authenticity of this watch.

The seventh kind of service provides the outsourcing service, this picture to everybody introduces is uses the thing networking technology in the wharf, the yard, the ocean and so on the whole process outsourcing service supervision and installation payment. Before the installation of the service is very difficult, most of them are manually holding a small number of the station, now using the Internet to RMD probes mounted in the car and related transport equipment, the use of electronic tags on the implementation of the ocean of large-scale delivery of the entire process of supervision and installation services. In the supervision and installation of the dynamic payment fee, if the ocean can not timely dynamic completion of the supervision of the payment, loading the ship, the ship took the money confiscated back how to do? This payment must be characterized by mobility and is dynamically accomplished.

The eighth final payment of new business, is the combination of Internet of things and mobile payment, as well as the rapid development of two-dimensional code technology. Using two-dimensional code scanning to pay for the safety of FMCG. The two graphs we are now looking at are real examples of mobile security payments made by Japanese-dimensional two-dimensional codes, which are the original images provided by Japanese friends from the University of Tokyo.

Mobile phone two-dimensional code application, now this application is more and more extensive, in the United States, Japan, Korea, Thailand have been a broad development and rapid development, China's two-dimensional code technology in recent years also developed rapidly, will soon be very widely used in the country. How about the application in China? We also provide you with two pictures. The last one is two-dimensional code in the field of application, the next one is two-dimensional code in the entire Shouguang China's largest vegetable market has been fully applied. These two graphs show that China's two-dimensional code application will soon form a boom, in particular, I am here to disclose to you a message, Beijing and Hangzhou Two cities, next year will be the emergence of nearly 100 TV shopping wall, in the subway, station, dock like South Korea to build a two-dimensional code scanning as the center, The TV shopping wall, which features fast consumer goods, will leave the computer and mobile phones to do the shopping while the subway is waiting. The development of this new service industry will bring about the rapid development of new mobile payment mode.

This is Singapore's TV shopping wall, this shopping wall in our country also appeared, but not so wide. This is our country, above is Korea, the following is our country also began to appear this new TV shopping wall, we may say that look at Singapore to see us this is too small, this is still experimental, experimental TV shopping wall. Actually, it will enlarge after the subway.

Finally, we would like to introduce this map, this two-dimensional code dynamic consumer goods fast payment, but also provides a new feature of the rich media pre-payment business. This moves the Bank of China (601988, shares) system, payment system, E-commerce service system is completely new challenges.

Look at this picture, the middle provides a two-dimensional code, next to provide a small side, which is in France, Spain and other countries to develop the media to pay two-dimensional code, both the use of two-dimensional code and media technology, integration to complete the payment.

How do you do it? For example, an old gentleman's birthday tomorrow, he received this transfer of animal media to pay the card, received this card to see the photo of a dog, because it is a dog, he particularly love dogs, so put on his favorite dog photos. In the middle is a material medium two-dimensional code, this two-dimensional code when he holds a birthday party tomorrow, for example 7 o'clock, 7 points This two-dimensional code simultaneously opens will play the beautiful music and the congratulation word, the video.

Not only that, the distant guests did not participate in your birthday party, the mind is all placed in the information provided by two-dimensional code, and for your advance payment of the birthday cake, delivery time and place are recorded in the two-dimensional code. After you have finished your message, you will be asked to service the store staff at this time to accurately send you to the owner of the birthday cake on time delivery. This is a very perfect, contact feelings, perfect thing networking and E-commerce technology perfect combination of an emotional sending game. The media two-dimensional code in the completion of the process involves a variety of payments, both related to service payment, but also related to two-dimensional code loading information payment. Also involves the owner of the cake payment, these payments will be completed at the same time. When the cake is served, all payments are deducted at the same time, which is currently the most widely used in France and Spain, the most popular market prospects for the latest dynamic payment method.

All of these 8 new forms of payment, despite the rapid development, I am afraid that they are not safe, in fact, the combination of Internet and payment technology, effectively provide dynamic payment security. Will fully expand fully new, fully coordinated and fully provide efficient and secure mobile payment tools.

In this respect our country now has many enterprises, many websites have carried on the very successful exploration. Here are two kinds of exploration, the first Alipay, began a new security exploration, he asked to solve the mobile payment security, technology to adopt dynamic password technology, to use credit card data matching authentication rules to enhance security. Management on the non-real name and virtual goods transactions, fast payment methods determined not to open. Monitoring, Alipay account and transaction risk monitoring system will monitor abnormal payment behavior. And this kind of behavior carries on the dynamic tracking, prevents the money laundering behavior to occur. Draw UnionPay together on integration and strengthen risk management capability. In the payment will be met the loss of money customers in full payment, so that the effect of a very good security performance, there is no quick to pay the loss of funds suffered by the case.

We introduce a new technology using the combination of Internet of things and mobile payment, which is a smart purchase security payment system, this card is a wonderful purchase card, is actually a dynamic mobile payment card. The most important feature of this card is the use of the Internet of things technology, the use of this technology has now achieved the payment of security and product. The most important feature of security is the integration of all the resources that provide secure payments, and the virtualization transfer of data entered by the customer to where? Move to the cloud, not on the local store, so that when you say you need data, he also provides dynamic passwords. This password can read a secret, so that even if the hacker hacked into your server and the system will not get any client information, to ensure that customer information security and stability. Especially since this dynamic cryptography system is a first-read, so the hacker has access to relevant information, can not be used two times.

The new dynamic payment and the Internet of things to combine the security payment technology, now running nearly 1 years, the response is very strong, the effect is very good. As a result, he has moved from the security of mobile payments to the provision of secure payment products that have now been produced and provided with multiple forms of security products. Wall-mounted Intelligent store 32-inch, 22-inch, sensing set-top box, mouse, sensing tablet and so on. Using it to provide the hardware facilities, a direct and comprehensive installation of the coup security payment system.

Another worthwhile introduction is Fujian's payment pass, using a new technology, using mobile phone cameras to take photos of the items to buy, and then automatically completed and realized payments. This approach is very convenient and very popular with the people. Its background and the style of the payment process from these pictures can be seen, paid at the same time can provide comprehensive and detailed accounts, can be downloaded to print can be scanned, so as to meet the needs of production enterprises to report accounts and networking needs. As a result, Changtong is also gaining rapid growth along the southeastern coast, all of which suggest that there is a wide range of application possibilities for IoT engineering and IoT technology. Its application will promote the development of mobile payment innovation.

Although these technologies in the development and improvement, there will be huge risks, as long as we are vigilant, serious research attention to guard against these payment risks, huge business opportunities on the exhibition now before us. Let us seize the new opportunities offered by these new technologies and gain new opportunities and new progress on the path of innovation and development. I wish you all progress and success.