The long-running dispute over mobile payment industry standards will probably coexist with the 13.56-MHz scheme and the 2.45-GHz scheme and be introduced as early as the first half of next year. Recently, Deputy Director of the Department of Technology of the Ministry of Industry and Information Technology, Deputy Dehui Xiaohui said at the 2011 China Mobile Payment Industry Annual Conference that the Ministry of Industry and Information Technology has jointly initiated the establishment of mobile payment standards with the Central Bank. The internationally-accepted 13.56MHz program and the domestic independent intellectual property rights program at 2.45GHz are both Will be incorporated into industry standards.
For the 13.56 MHz and 2.45 GHz dual-standard coexistence schemes from the game to cooperation, Zhang Jin, a research fellow at the Guangdong Research Institute of China Telecom, said that if this implementation of the dual-standard scheme is actually a compromise, the standard makers will adopt compromises. Program. But the determination of the standard is only the first step in the development of the industry. As long as it is not the only standard, the development status of each standard is determined by the market.
Dual-standard coexistence is a compromise
Reporter: Controversy over the long-standing disputes over mobile payment industry standards may lead to the coexistence of the 13.56-MHz scheme and the 2.45-GHz scheme. How do you rate this?
Zhang Jin: In the era of business, the dispute over technical standards is not merely a dispute of technical advantages and disadvantages in a purely scientific sense. Behind the competition for different technical standards is the mutual game between interest groups. From a technical perspective, there are advantages and disadvantages of 13.56 MHz and 2.45 GHz, respectively. Overall, 13.56 MHz is better than 2.45 GHz. It is understood that the 13.56M communication frequency is the most widely used frequency for contactless payment in the world, and up to 2 billion cards are issued to support this frequency. From a purely industry perspective and from a commercial point of view, the more mature and acceptable industrial standards are the best standards, and 13.56 MHz is clearly better than 2.4 GHz.
The possible reasons for the coexistence of the two possible technical standards are as follows: First, the demonstration effect of Apple. Many companies suddenly found that "closed" is also very good. In the IT Internet era, "opening" and "closed" do not conflict. They are just different concepts. If the company level is high enough, "closed" will produce more profit. Second, the plot of independent intellectual property rights: China has always lacked the right to speak in the field of international standards. This time, the development prospects for mobile payment are promising. Once again, China will no longer be limited by its own standards. Third, China Mobile’s development pressure: China Mobile has a strong financial position and has a user base of 620 million. Revenue and profits far exceed those of China Telecom and China Unicom. The challenge facing China Mobile is development. How to explore new development space is something that China Mobile has been paying high attention to for many years. The control of the industry chain determines the profit share of a company in this industry. Mobile payment is an important new business today. In order to get involved in this hot service, China Mobile will not hesitate to pick up 2.4GHz, which not only reflects China Mobile’s confidence in the market value of NFC-based mobile payment, but also reflects China Mobile’s move to create its own control. Paying for the determination of the industrial chain.
Double standards are a compromise compromise. After all, the 13.56MHz industry chain is mature and has a large number of fans, and it has gained international standards. In China, it is supported by the financial industry represented by the central government. It is difficult to shake the 13.56MHz status of the China Mobile's support of 2.4GHz. . This time, if the implementation of the dual-standard plan is actually a kind of frustration, the standard-makers have adopted a compromise plan. The determination of the standard is only the first step in industrial development. As long as it is not the only standard, the development status of each standard is determined by the market.
Move in the most tangled
Reporter: From the current situation, the mobile payment industry standard is expected to be introduced next year, thereby breaking the current industry stalemate. How do you analyze the opportunities in the mobile payment industry?
Zhang Jin: From the perspective of the number of industry standards, the only time the industry standard program, as long as the standard owner does not abuse the standard charges, the market efficiency will be the highest. The only industry standard plan means that more resources can be put into this program, avoiding the diversification of standards, resulting in a decentralized allocation of resources. The only industry standard program allows this industry to have the greatest standardization, with the highest unity of the industry market, lower cost, and the most efficient market. From the perspective of economics, the double-programme standard will lead to a reduction in the overall efficiency of the industry.
As for the future forecast of the two standards, I personally think that mobile payment is a cross-industry new business, and in particular, the central bank's financial industry plays an important role in it. Even China Mobile is subject to the central bank's constraints. 13.56MHz is an international standard and it may be that mobile payments will roam internationally in the future. As such, the development space for China's 13.56MHz mobile payment will be enormous. On the contrary, China Mobile has limited influence on mobile payments for mobile payment services in the financial sector. In addition, a strong industrial chain leader, in terms of the distribution of benefits, is prone to bullying, resulting in the parties to the cooperation decentralized. In the future development of these two mobile payment standards, it is highly probable that the two standards will be strong and weak, namely 13.56 MHz strong and 2.4 GHz weak.
Differentiation is the essence of competition. In the Chinese market, mobile payments are actually two camps, one is a financial group represented by the Central Bank’s actions, and the other is a telecom operator group represented by China Mobile (more precisely, China Mobile Corporation). ). The former has a dense network in the city and has already occupied the non-cash payment market for daily life by means of bank cards. Today, the former focuses on the city; the latter has the advantages of a communications network and can rapidly cover a large number of townships, rural markets, and small and medium-sized schools. Merchants. If China Mobile is to develop mobile payment in the city, it will be in direct conflict with the financial group, and how to cooperate with customers in the industry is not easy. If China Mobile is to develop villages and towns as the main force, most of the villages and towns and villages use cash to pay, and the development of the mobile payment market is very difficult. In addition, the rural rural transaction volume is weaker than that of the city. In fact, in the development of mobile payment, China Mobile is the most troubled one.
Mobile payment effectively enhances user stickiness
Reporter: The number of potential users for mobile payment is very large. The three major operators in China are setting up payment companies to cut into mobile payment services. What are their characteristics?
Zhang Jin: IResearch expects that the number of global mobile payment users will reach 141 million in 2011, an increase of 38.2% from 2010; the transaction amount will also increase from 88.9 billion US dollars in 2010 to 86.1 billion US dollars, an increase of more than 76%. The development of mobile payment is huge.
The three major telecom operators are all making efforts to develop mobile payments, which is an effective service to enhance user stickiness. Based on their existing industry customer base, telecom operators adopt a cooperative approach, actively cooperate with banks, merchants, and bus companies, and develop mobile payment by adopting their own preferred technology implementation methods.
RF-SIM technology is pushed by China Mobile. This technology uses 2.4GHz communication frequency, integrates the RFID module, antenna and application information into the SIM card. Users only need to replace the card and use it. It is the best choice for operators from the perspective of mobile phone cost and service control. . The key is that after China Mobile's R&D, it can well pass through the back cover of batteries and metal materials, and almost all mobile phones are suitable. However, the problem with this technology is that RF-SIM's working frequency is inconsistent with POS machines in major industries such as banks and public transportation. Therefore, replacing the POS terminal with which it is adapted requires a relatively large cost. China Mobile users need to spend 150 yuan to replace the original SIM card with an RF-SIM card.
China Telecom launched mobile payment with the “Wing Payment†business. China Telecom Group Co., Ltd. is responsible for the development and operation of the mobile phone. The provincial telecommunications companies and No. 100 companies are responsible for business promotion. China Telecom’s mobile payment is divided into two modes: own account and non-own account. China Telecom currently pushes its own account model. On March 3, 2010, the official homepage of WingPay was formally launched. This is the nationwide unified portal under China Telecom’s own account model. China Telecom's "wing payment" service provides both remote and on-site payment methods. If you open a remote payment, the user can simply open a mobile payment account (also called an online account) for remote shopping by registering with the mobile phone number. In terms of on-site payment, China Telecom has selected a dedicated UIM card with RFID capabilities. Users can simply replace the UIM card at the local business office and open a mobile wallet to conduct onsite brushing “machine†consumption.
China Unicom was formally commercialized in Beijing, Shanghai, Guangzhou, and Chongqing in November 2010. China Unicom’s mobile payment service uses SIMpass technology. The technology solution has two main forms, one is “SIM+Antennaâ€. "Bracket card", users do not need to replace the mobile phone, but need to replace the SIM card in the business hall; the other is a customized mobile phone program, that is, the antenna is integrated in the mobile phone without external antenna, the user needs to replace the mobile phone.
For the 13.56 MHz and 2.45 GHz dual-standard coexistence schemes from the game to cooperation, Zhang Jin, a research fellow at the Guangdong Research Institute of China Telecom, said that if this implementation of the dual-standard scheme is actually a compromise, the standard makers will adopt compromises. Program. But the determination of the standard is only the first step in the development of the industry. As long as it is not the only standard, the development status of each standard is determined by the market.
Dual-standard coexistence is a compromise
Reporter: Controversy over the long-standing disputes over mobile payment industry standards may lead to the coexistence of the 13.56-MHz scheme and the 2.45-GHz scheme. How do you rate this?
Zhang Jin: In the era of business, the dispute over technical standards is not merely a dispute of technical advantages and disadvantages in a purely scientific sense. Behind the competition for different technical standards is the mutual game between interest groups. From a technical perspective, there are advantages and disadvantages of 13.56 MHz and 2.45 GHz, respectively. Overall, 13.56 MHz is better than 2.45 GHz. It is understood that the 13.56M communication frequency is the most widely used frequency for contactless payment in the world, and up to 2 billion cards are issued to support this frequency. From a purely industry perspective and from a commercial point of view, the more mature and acceptable industrial standards are the best standards, and 13.56 MHz is clearly better than 2.4 GHz.
The possible reasons for the coexistence of the two possible technical standards are as follows: First, the demonstration effect of Apple. Many companies suddenly found that "closed" is also very good. In the IT Internet era, "opening" and "closed" do not conflict. They are just different concepts. If the company level is high enough, "closed" will produce more profit. Second, the plot of independent intellectual property rights: China has always lacked the right to speak in the field of international standards. This time, the development prospects for mobile payment are promising. Once again, China will no longer be limited by its own standards. Third, China Mobile’s development pressure: China Mobile has a strong financial position and has a user base of 620 million. Revenue and profits far exceed those of China Telecom and China Unicom. The challenge facing China Mobile is development. How to explore new development space is something that China Mobile has been paying high attention to for many years. The control of the industry chain determines the profit share of a company in this industry. Mobile payment is an important new business today. In order to get involved in this hot service, China Mobile will not hesitate to pick up 2.4GHz, which not only reflects China Mobile’s confidence in the market value of NFC-based mobile payment, but also reflects China Mobile’s move to create its own control. Paying for the determination of the industrial chain.
Double standards are a compromise compromise. After all, the 13.56MHz industry chain is mature and has a large number of fans, and it has gained international standards. In China, it is supported by the financial industry represented by the central government. It is difficult to shake the 13.56MHz status of the China Mobile's support of 2.4GHz. . This time, if the implementation of the dual-standard plan is actually a kind of frustration, the standard-makers have adopted a compromise plan. The determination of the standard is only the first step in industrial development. As long as it is not the only standard, the development status of each standard is determined by the market.
Move in the most tangled
Reporter: From the current situation, the mobile payment industry standard is expected to be introduced next year, thereby breaking the current industry stalemate. How do you analyze the opportunities in the mobile payment industry?
Zhang Jin: From the perspective of the number of industry standards, the only time the industry standard program, as long as the standard owner does not abuse the standard charges, the market efficiency will be the highest. The only industry standard plan means that more resources can be put into this program, avoiding the diversification of standards, resulting in a decentralized allocation of resources. The only industry standard program allows this industry to have the greatest standardization, with the highest unity of the industry market, lower cost, and the most efficient market. From the perspective of economics, the double-programme standard will lead to a reduction in the overall efficiency of the industry.
As for the future forecast of the two standards, I personally think that mobile payment is a cross-industry new business, and in particular, the central bank's financial industry plays an important role in it. Even China Mobile is subject to the central bank's constraints. 13.56MHz is an international standard and it may be that mobile payments will roam internationally in the future. As such, the development space for China's 13.56MHz mobile payment will be enormous. On the contrary, China Mobile has limited influence on mobile payments for mobile payment services in the financial sector. In addition, a strong industrial chain leader, in terms of the distribution of benefits, is prone to bullying, resulting in the parties to the cooperation decentralized. In the future development of these two mobile payment standards, it is highly probable that the two standards will be strong and weak, namely 13.56 MHz strong and 2.4 GHz weak.
Differentiation is the essence of competition. In the Chinese market, mobile payments are actually two camps, one is a financial group represented by the Central Bank’s actions, and the other is a telecom operator group represented by China Mobile (more precisely, China Mobile Corporation). ). The former has a dense network in the city and has already occupied the non-cash payment market for daily life by means of bank cards. Today, the former focuses on the city; the latter has the advantages of a communications network and can rapidly cover a large number of townships, rural markets, and small and medium-sized schools. Merchants. If China Mobile is to develop mobile payment in the city, it will be in direct conflict with the financial group, and how to cooperate with customers in the industry is not easy. If China Mobile is to develop villages and towns as the main force, most of the villages and towns and villages use cash to pay, and the development of the mobile payment market is very difficult. In addition, the rural rural transaction volume is weaker than that of the city. In fact, in the development of mobile payment, China Mobile is the most troubled one.
Mobile payment effectively enhances user stickiness
Reporter: The number of potential users for mobile payment is very large. The three major operators in China are setting up payment companies to cut into mobile payment services. What are their characteristics?
Zhang Jin: IResearch expects that the number of global mobile payment users will reach 141 million in 2011, an increase of 38.2% from 2010; the transaction amount will also increase from 88.9 billion US dollars in 2010 to 86.1 billion US dollars, an increase of more than 76%. The development of mobile payment is huge.
The three major telecom operators are all making efforts to develop mobile payments, which is an effective service to enhance user stickiness. Based on their existing industry customer base, telecom operators adopt a cooperative approach, actively cooperate with banks, merchants, and bus companies, and develop mobile payment by adopting their own preferred technology implementation methods.
RF-SIM technology is pushed by China Mobile. This technology uses 2.4GHz communication frequency, integrates the RFID module, antenna and application information into the SIM card. Users only need to replace the card and use it. It is the best choice for operators from the perspective of mobile phone cost and service control. . The key is that after China Mobile's R&D, it can well pass through the back cover of batteries and metal materials, and almost all mobile phones are suitable. However, the problem with this technology is that RF-SIM's working frequency is inconsistent with POS machines in major industries such as banks and public transportation. Therefore, replacing the POS terminal with which it is adapted requires a relatively large cost. China Mobile users need to spend 150 yuan to replace the original SIM card with an RF-SIM card.
China Telecom launched mobile payment with the “Wing Payment†business. China Telecom Group Co., Ltd. is responsible for the development and operation of the mobile phone. The provincial telecommunications companies and No. 100 companies are responsible for business promotion. China Telecom’s mobile payment is divided into two modes: own account and non-own account. China Telecom currently pushes its own account model. On March 3, 2010, the official homepage of WingPay was formally launched. This is the nationwide unified portal under China Telecom’s own account model. China Telecom's "wing payment" service provides both remote and on-site payment methods. If you open a remote payment, the user can simply open a mobile payment account (also called an online account) for remote shopping by registering with the mobile phone number. In terms of on-site payment, China Telecom has selected a dedicated UIM card with RFID capabilities. Users can simply replace the UIM card at the local business office and open a mobile wallet to conduct onsite brushing “machine†consumption.
China Unicom was formally commercialized in Beijing, Shanghai, Guangzhou, and Chongqing in November 2010. China Unicom’s mobile payment service uses SIMpass technology. The technology solution has two main forms, one is “SIM+Antennaâ€. "Bracket card", users do not need to replace the mobile phone, but need to replace the SIM card in the business hall; the other is a customized mobile phone program, that is, the antenna is integrated in the mobile phone without external antenna, the user needs to replace the mobile phone.
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