Mobile payment NFC technology
The objective conditions for the large-scale promotion of mobile payment services in China have matured.
China Mobile Internet economy has developed rapidly in recent years, mobile phone consumption habits have been basically developed, users' demand for near-field payment based on mobile phones is strong; operators and financial institutions clearly clear the doubts based on the 13.56Mhz solution to clear the upstream and downstream hardware manufacturers in the industry chain, and promote the terminal As well as the improvement of the acceptance environment; at the same time, the two camps of operators and financial institutions cooperated in the advantages of users and business development, forming a clear cooperation mode. After years of exploration, the objective conditions for the large-scale promotion of mobile payment services in China have matured.
1. The shipment of NFC mobile phones increased, and the hardware acceptance environment gradually improved.
The scale of NFC mobile phones is growing rapidly, and NFC will become the standard for mid- to high-end mobile phones in the future. At the 2013 Mobile World Congress (MWC), almost all high-end smartphones support NFC technology. International mainstream mobile phone manufacturers such as Samsung, HTC, and Nokia have already adopted NFC as the standard for future smartphones.
In 2011, China UnionPay began issuing bank cards with the "QuickPass" and "Flash Pay" logos to support NFC near-field payment, and at the same time began to deploy large-scale POS equipment supporting near-field payment. UnionPay has completed the transformation of 1.3 million non-connected terminals nationwide (currently about 7 million POS machines nationwide), and will increase the number of NFC-enabled “flash payment†terminals to 4 million units in the next few years.
2. The operator and the bank cooperated and promoted, and the cooperation mode became clear.
This year, China Mobile and China UnionPay jointly launched the TSM (Trusted Service Management Platform) system to connect mobile payment platforms. The mobile payment platform is based on the TSM system and provides smart card application distribution and management services based on secure payment carriers. platform. At present, 8 commercial banks have completed the connection with the system, and other commercial banks are also gradually connecting. At the same time, China Unicom (600050, shares it) and China Merchants Bank (600036, shares it) the first NFC-based mature cooperation model has been launched.
3. The operator officially commercialized mobile wallets and increased promotion efforts.
In 2013, China Mobile promoted NFC mobile wallet in the field of on-site payment, and will sell 10 million NFC mobile phone terminals. The first batch of 10 key cities in 10 provinces will promote NFC business. In 2013, it will realize commercial use nationwide; Mobile payment client application in B2M (Business To Marketing) and O2O (Online To Offline).
China Telecom's payment has grown through two years, with a transaction volume of more than 400 million, a user base of 26 million, 30,000 merchants, and 12 million RFIDUIM cards. The focus this year is to support the development of the industry and promote the integration of payment and communication services. Focus on industry applications, create a life payment circle, and promote user scale through campus, enterprise, online and offline applications.
China Unicom and China Merchants Bank jointly launched the commercial NFC mobile phone near-field payment products, and officially launched the "mobile wallet" business at the Beijing Communication Exhibition. In the future, China Unicom's more than 2000 yuan collection products will support NFC functions and strengthen The promotion of mobile wallets.
4. WeChat payment and TenPay are combined to realize online and offline payment functions.
Tencent has added a payment function in WeChat 5.0 version, and through Tencent's Tenpay, it has opened the payment channel of WeChat to realize the online and offline payment function. At present, the application scenarios of WeChat payment include public number payment, scanning QR code payment and mobile application payment. WeChat Payment will introduce bank wealth management products in the next step. In addition to a number of fund companies including China, WeChat payment team has been negotiating with a number of banks. In the early stage, we will focus on fixed-income products with less risk.
5. Mobile payment is being piloted in rural areas to improve the rural financial service environment.
The People's Bank of China has initiated pilot work on rural mobile payments, and the pilot work has been pushed out in 20 provinces across the country. In addition to basic payment functions such as cross-bank transfer, small cash withdrawal, and balance inquiry, the service content can also realize special payment applications such as agricultural product purchase and sales, agriculture-related insurance, and agricultural inquiry. The innovation and development of mobile payment is of great significance to solving the urban-rural dual structure and regional imbalance and realizing universal financial services.
China's mobile payment development trend
The report released by the central bank recently showed that the growth of domestic mobile payment business was staggering. In 2012, the amount of payment was as high as 371 million, totaling 2.07 trillion yuan, an increase of 274.70% and 363.92%. This also means that as the consumption habits of a new generation of consumers change, mobile payments face unprecedented opportunities for development.
The development trend of China's mobile payment in the future will be mainly reflected in the following aspects.
1. Multi-industry cooperation has become the mainstream to promote the development of mobile payment services.
In the future, the focus of multi-party cooperation in mobile payment will be on cultivating user habits and carrying out rich value-added services. Mobile payment is a cross-industry business that requires multi-industry cooperation to better advance. With the power of industry customers, we provide mobile payment services to its users, achieve marketing results with less effort, and expand the scope of mobile innovation. Only the relevant industry links work together to provide a one-stop service system that is convenient for the people. The convenience brought by mobile payment can be truly realized and popularized.
2. Enrich mobile payment applications and accelerate business model innovation.
From the current situation, mobile payment applications urgently need to find breakthroughs and profit models. There are fewer types of value-added services based on mobile payment in China. The next step is to analyze consumer psychology and industry characteristics, to form more intimate, safer and more convenient mobile payment products, to find killer products, to form a breakthrough, and to drive the development of the industry.
3. Adopt a robust security mechanism to ensure the security of user information, funds and transactions.
The current mobile phone security is not optimistic. How to ensure that the information including bank card information is not leaked after the phone is lost or stolen is the most concerned issue for mobile payment users. In the terminal, account, business transaction and other links, encryption and integrity security technologies are adopted, and payment confirmation is performed by means of mobile phone number binding and SMS verification code to ensure communication security. High level of security protection for mobile payment services and application platforms to prevent malicious code and virus attacks.
The growth of mobile payment outbreaks still faces multiple challenges, the application range is not wide enough, the development of innovative applications is backward, the ecological environment and the business profit model are not mature enough, which is a realistic problem. Security is the primary issue of mobile payments. The prospect of mobile payments is good, but there is still a long way to go to create a secure, secure and convenient mobile payment environment.
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