China Mobile launched five years ago, "and the packet" Why no sound?

There is a payment method, it can be a variety of card applications you use everyday load on your phone,play Frozen Games so you anytime, anywhere brush mobile consumer, to achieve change wallet phone function. Sounds familiar? Yes, this is the recent highly touted major mobile phone manufacturers mobile NFC payments. With the recent CUP has with Samsung, Apple, Huawei entered into a collaboration, Apple Pay, Samsung Pay, Huawei Pay have appeared. In the micro-channel payment, Alipay represents the "mobile payments 2.0" is still on top of the wave, led by the major mobile phone manufacturers "mobile payments 3.0" new wave seems to have been filled. The new payment experience for young people excited, manufacturers also saw booming business opportunities. Many people do not know, five years ago, the mobile had launched similar products: and packages. As early as 2010, the mobile test the water "mobile payment" business, which is "package and the" predecessor. According to China Mobile, responsible person to interface news reporter, "and package" as a mobile self-developed unique payment brand, is a comprehensive mobile payment services Mobile Group provide user-oriented, with remote, near-field full of ability to pay. At that time, NFC (Near Field Communication) payment has been developed in China for many years, bus cards line the city's very early use of the technology, master SIM card and communication technologies, mobile operators have seen the opportunity. On the one hand and a bag by the client, allowing users to manage e-card application is bound, so that users can not do without the service provided by the operator, so users have more resources and values; on the other hand, the use of NFC services and packages with businesses achieve cooperation, to expand their business lines and tie into the payment field, grab a broader commercial distribution. At first glance, How can we allow to miss this opportunity. When reviewing the development of NFC payment, Infineon smart card and security division of mobile payment Sun in any product marketing manager, told interface news reporters, when to move, led by operators in the development of NFC payment extremely active before the function standardization do a lot of attempts, such as cooperation with financial institutions to pay for expanded from the traditional areas of the field to non-financial institutions, such as the campus applications, enterprise applications communities, transportation cards. Under the conditions of the market is not yet mature, service-oriented to people's livelihood, the bus card capabilities into the phone to meet the huge user base daily rigid demand, and thus open the market situation, the fight was moving wishful thinking. In fact, under the prevailing conditions, "mobile phone into a bus card" is not easy. In order to open up the public transport system and the mobile phone business, closed loop, in addition to individually discuss play Barbie Cooking Games cooperation with various bus companies, also need to customize the system development and time-consuming testing and operation and maintenance, in addition to user education and outreach is also the problem of business promotion one. But after years of effort, currently supported "and package" on the bus has more than 50 applications, covering most of the second-tier cities and some third-tier cities. According to the Mobile Data interface provided by the news, and so far more than 150 million registered users package, the annual deal size over six hundred billion yuan; in the near-field payments, and NFC package platform has been on-line payment application 200, is currently the largest in the industry the NFC application platform. However, although the figures are beautiful, and the pay package in the mobile phone market has been unable to form a brand into their match, and now its weak presence even been a rising star such as Apple Pay catch, can not help but lamented that "unexpected outbreak . " There are many reasons. Mobile payment relates to, including merchants, acquiring environment, handset manufacturers, carriers, banks, technology providers and other complex industrial chain, as the industry pioneer, if not coordinated relationship between the parties, and in the promotion of mobile payment applications when the inevitable difficulties of development. A few years ago, "and the packet" first difficulty is encountered technical standards and CUP contention. Mobile payment was divided into three major carriers, led by system operators, as well as the financial system in the two camps led by CUP, they both cooperation and competition have, but based on their different strengths they want to promote their disposal payment technology, and Because these technologies affect the interests of the cause behind the layout of both sides to compromise is difficult, long and into the game. Specifically, the scene is the focus of this technology pay dispute. Payment based on three field RFID (radio frequency identification) technology derived technology, the CUP support work at 13.56MHz frequency technologies, including NFC SIM-Pass two, while the movement is pushing the use of 2.4GHz the communication frequency RF-SIM technology. The mobile solution is the RFID modules, antennas and application information are integrated in the SIM card, the user simply changing the card can be used, from the cost of the phone, the service control point of view it is the best choice as a carrier. But the biggest problem with this technique is that, RF-SIM working band with banks, public transportation and other key sectors of the POS machine inconsistent. If you need to move a large number of swing upgrade themselves to replace a POS terminal, a huge cost, CUP also unwilling to cooperate. To promote cooperation of mobile payments, operators and financial institutions, and even fusion is a necessary stage of development, or a CUP operators alone can not put the vision into reality industry. However, the two camps from the outset had a disagreement. "Two camps in the game missed the opportunity of development." Third party payment provider Ping ++ CEO Kim Ye also interface to news reporters On the Road, "the NDRC finally handed over to the dominance of technical standards in order to avoid cross-cutting CUP monopoly, although the two sides reached a compromise, but for policy reasons operators in the system has lagged behind, whether the future can come back to kill hard to say. " Follow mobile payment years of China Electronic Commerce Association, deputy director of the Legal Policy Committee Chun-Quan Liu also deeply understands this: "the two factions of the right to speak of NFC payment standard game takes too much time, leading mobile operators payment products has not done up, market-oriented is not high. Therefore,play Angela Games the scan code to pay for the Internet company, the payment the opportunity to catch up on-line application. " If technical standards only application-level confrontation, then Face thoughts business model is the real cause of the two sides is difficult to work together. By comparison Apple Pay and cooperation with China UnionPay and UnionPay mobile mode, any Sun believes that China Mobile's business model is difficult to stimulate the enthusiasm of CUP, and Apple Pay model is clearly more in line with the interests of the value of CUP. "Specific to the banks concerned, Apple Pay mode, the customer is the bank, the bank's service is, users on Apple machines bind a card like; but the mobile mode, the platform is mobile, the service but it is the bank, which bank can join, collect rent from moving. "Sun Ren said that China mobile mode lets CUP camp no major power involved. However, any Sun also pointed out that the timing of Apple Pay to enter the Chinese market is very subtle. Based on the 2015 International Organization for Standardization EMVCo chip card data show that in June 2015 to the middle of all the world's card transactions based on EMV standard (bank card transfer from magnetic stripe cards to smart IC card technology standard) transaction is the highest in Western Europe 97% in Asia, China is also high, but the US market based on chip card transactions EMVCo only accounted for 1%. "Apple does not want to do, but it really did not think they do when such a market environment based mobile payment chip is no future, so the market until the moment it will start to do this thing." Sun any Say. Mobile payment scenarios inseparable from the market matures, the market maker and Mac Andrews ratio is roughly 4: 1, which probably only 20% of Android machine with NFC capability. Therefore, even today, the smart terminal has the capacity to pay or potential ability to pay phone is relatively small. When early in the move "and package" to enter the market, NFC smart terminal market penetration undoubtedly lower, and the market at that time commercial magnetic signals POS machine is the mainstream, with the NFC POS machine business too. Due to various market restrictions, most users can not use such services. So, not only "and package" in the global market involved in the field ahead of Google (microblogging) Wallet, Square and other NFC-based mobile payment application has been tepid, can hardly be successful. Telecommunications industry veteran researcher Fu Liang (microblogging) that, in addition Move "and package", the Telecom, China Unicom also launched the "pay-wing" "Wal pay" and other products, ultimately without success, "the three operators SOE management style suited to the rapid development of mobile Internet business failed to maximize use of the Internet to spread their payment brand. " These are the "package and" the development process stumbled reasons. With careful, calm compared to apples, "and the packet" How kind of untimely regret. But with the new era of mobile payments, "and package" seems to see the opportunity to continue life. "Package and" relevant person in charge, told reporters that the news of the interface, with no support for transit applications Apple Pay, Samsung Pay and other means of payment, compared to meet the "brush cell phone bus ride subway" rigid demand to make "and package" is more cohesive. Also because Apple Pay, Samsung Pay uses a full terminal program, users replace the phone you need to migrate the original mobile applications and data, "and the packet" NFC user when changing handset as long as the original NFC-USIM card into the new phone that is You can continue to use. "For most users frequent replacement of the current usage of mobile phones, using NFC package and more convenient." The official told news play Dora Games reporters interface. China Mobile also said that this year will increase the intensity of cooperation with terminal manufacturers, terminal manufacturers by promoting support for NFC mobile phone upgrade, make NFC mobile phone penetration continues to grow. While the face of the business, "and the packet" NFC will open more services to attract more applications through its platform release. "The immediate concern CUP by Apple Pay mobile payments using giant effect will stir up the market. With this 'catfish' and package of products, but this is a good market opportunity, should ride on the momentum. However, large state-owned enterprises has now whether Internet companies, technology companies compete innovation capacity and market competitiveness, not to say. "Chun-Quan Liu said.