There are currently four types of consumption:
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1. Cash payment: the oldest and most common form of payment in history, which cannot be replaced in individual occasions, such as tipping;
2. Bank payment:
a) Bank card payment: commonly used to pay for financial purposes, such as wages, social security, funds, stocks, etc.;
b) Credit card payment: In recent years, the cornerstone of consumption has been driven, and large amounts of items can be purchased in installments. Now entering the era of universal credit cards, the growth rate of cardholders has slowed down, but the potential of credit cards is still strong;
3, network payment: through the network trading system, binding bank card or credit card for payment management, mainly Super UnionPay, Alipay, Fortune, PayPal, etc., Alipay daily transaction amount of more than 1 billion yuan;
4. Mobile payment: The new generation consumption mode is roughly divided into two types: small payment and large payment:
a) Mobile micropayment: the amount below 150 yuan, real-time deduction through mobile phone bills, the current UnionPay unified payment standard, at the end of 2010 can train a mobile phone to pay for the family;
b) Mobile credit card: Bind credit card, upgrade SIM card, realize credit card payment through mobile phone, and realize large consumption. At present, China Unicom and ICBC have launched similar services. The upper limit is 1,000 yuan. The author expects that the payment amount in 2011 will be equal to the maximum amount of credit card.
The development trend of mobile payment is rapid, and other forms of payment will be eroded in the future, especially in the form of debit cards. Debit cards are recharged first, and credit cards are reversed. The main reason is that the people who pay with credit cards and the characteristics of the mobile payment people are highly coincident. They are all three high-population people, high income, high sensitivity, and high education.
The concept of mobile payment was put forward in about 2004. It has experienced various technical solutions such as NFC, SIMpass, patch card, SWP, MSD card and RF-SIM. Until the unified payment standard, the mobile payment advancement is truly realized. Mobile payment not only supports the entire industry chain, but also UnionPay, banking supervisors, operators, banks, solution providers, hardware providers, integrated operators, and third-party patent companies, which also brings a brutal competition.
Operator United Bank launched mobile payment solution, bank joint operators promoted mobile banking; online payment announced to enter the mobile payment field, mobile phone manufacturers to seek online payment market; mobile phone card integrated bus card, bus card is also realized in stores, theaters Small-scale consumption; UnionPay is not to be outdone, launching the corresponding mobile payment service.
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The first link of the industrial chain: project and standards
1. NFC solution based on 13.56MHz non-contact technology
The 13.56M antenna area is large and cannot be integrated into the SIM card. The operating frequency is relatively low, the power consumption of the reader is not high, and the biggest drawback is the need to replace the mobile phone with NFC function. This technology may cause patent disputes.
2. SIMpass patch card solution based on 13.56MHz technology
In the back cover of the mobile phone, the 13.56MHz solution is used to cancel the integration relationship between the mobile phone and the SIM card. Another solution is to stick it on the SIM of the mobile phone and then put it inside the mobile phone terminal. At this time, the mobile phone will add a corresponding payment menu. . This can only be calculated for mobile payment, and ultimately integrated into the SIM card. This technology is equivalent to attaching a bus card chip to a mobile phone, and is currently the most widely used micropayment method.
3. 2.4GHz FRID-SIM card solution
This program is led by China Mobile. It integrates financial-grade security chips and independent RF RF channels. It can be exchanged by replacing the SIM card. It does not change the number, does not change the mobile phone, and the transmission distance is about 10 meters. The cost is encapsulated by SIP technology. Products above 13.56MHz. After years of research and development, it can form a core patent, but at present it can only do research and development, and hopes that mobile will continue to develop.
The second link of the industrial chain: bank-linked mobile phones
1. Bank of Communications - e Mobile Bank
Use the mobile phone number, reservation number, and reservation bank card withdrawal password to realize cardless withdrawal. Log in to the mobile banking service through the bound mobile phone number. If the login password is entered incorrectly 6 times, the mobile banking will be locked.
2. Construction Bank - Gold Investment Products
CCB users will bind the ID card to the mobile phone number. Each time the user logs out of the mobile banking system, the bank information in the phone memory, including the card number and password, will be automatically cleared, and the funds will not be affected due to the loss of the mobile phone.
3. China Merchants Bank - Mobile Banking
CMB's butler service covers all aspects of account management and investment management. Through the graphic verification code mechanism, the program is prevented from automatically testing the password. If the number of password errors is too many, the account is automatically locked to ensure security.
The third link of the industrial chain: mobile phone docking bank
1. China UnionPay - UnionPay Payment Card
China UnionPay launched the "Linked Payment Card", which is the same size as the SIM card to the SIM card, then bind the UnionPay card and set the password to complete the registration. With basic banking services such as inquiry, transfer, credit card repayment, etc., you can also pay for e-books, airline tickets, online shopping, TV shopping, and living payment.
This solution reduces the cost of replacing the mobile phone and cannot be integrated with the mobile phone platform, and the application development space is limited.
2, Lakara - credit card machine
Lakara Electronic Payments has launched a home-based credit card machine that focuses on home users and first buys one to take home. Realize credit card repayment, live payment, online payment, mobile phone recharge at home, and also can purchase game cards, subscribe to magazines and other functions.
This type of credit card machine was originally placed in a chain store for the people, and the chain store was the last one kilometer service station.
3, Haike Rongtong - payment pass
Haike Rongtong Co., Ltd. cooperated with Bank of Communications to launch the payment-through network book card, built-in credit card slot and password keyboard. It can be connected to the computer via USB. It is not necessary to open online banking. Simply use UnionPay card to realize the balance of inquiry, cross-bank transfer and online payment. , shopping payment, you can also complete the IC card power card recharge.
Adding a new hardware is also not highly integrated with the mobile phone. It is also a mobile payment of 1.5, which is a quasi-mobile payment.
The two-channel cooperation mode between the operator and the bank actively seeks the cooperation of the other party while retaining the independent power. The above listed payment form is the basis for the next step of mobile payment 2.0.
The fourth link of the industrial chain, implementation and implementation
The user only needs two steps, one is to associate the bank account with the mobile phone number, and the other is to replace the SIM card or upgrade the SIM card. These steps require the solution provider, the hardware and software provider, and the collective intelligence of a large number of enterprises. The main technologies and representatives are as follows:
Chip designer: National Technology, Datang Telecom;
SIP chip package: Changjiang Electronics Technology;
COS and Kaki production: Eastcom Peace, Hengbao shares;
POS equipment: Nantian Information, New World, Zhengtong Electronics;
Payment platform construction and operation and maintenance: Tuowei information.
These companies are the mainstay of the entire industry chain. They have a common feature. They are generally not known to the public before they cooperate with upstream banks and operators. Once large-scale procurement, the leaders of such companies pay attention to the speed of listing and financing. Enthusiasm, covering the enthusiasm of technology and the vision of development in just one second. This industry chain is the most prone to impetuous enterprises and impetuous entrepreneurs. Zhejiang Mobile Reading Base was established. A company became a designated supplier of G3 readers. The company’s CEO immediately appeared in major media and announced to the world five years ago. The world's first ambitious goal, and actively provoke Apple, which is not good at price wars. The company’s one-year product sales are equal to Apple’s one-day sales, and I really don’t want this commercial joke.
The entire industry chain above does not include the mobile phone itself. Mobile payment core and bottleneck, mainly in the SIM card hardware and technology, most users will not replace a mobile phone because of mobile payment. Nokia's global vice president announced that it will embed NFC technology in the new smartphones released in 2011, bringing together wireless terminals, credit card networks, physical banking, IT technology and startups to form an ecosystem of mobile payment.
It takes a period for the user to change the mobile phone. It takes a certain time for the user to use the mobile phone to pay. It takes a certain time for the bank and the operator to advertise the mobile payment service through advertisement and experience. It is just that the three times are roughly the same. The public accepts a new thing, the effect of advertising, (the mobile payment main crowd) time to replace the phone cycle, are in the 12-18 month interval.
One year later, the user subconsciously agrees that the mobile phone can be paid. The new mobile phone will also be equipped with mobile payment application and security system before leaving the factory. Shangchao Cinema and the chain store also accept mobile phones to consume, expecting a large amount of mobile payment after one year. surroundings.
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