Mobile payment standards have been unified with the UnionPay standard
2023-04-24 22:07:44
The big cake of mobile payment has had a delicate war between telecom operators, banks and third-party payment companies. China Mobile has invested in Shanghai Pudong Development Bank and has been accused of financial business; China Unicom’s mobile phone remote payment has also wanted to bypass operators. However, now they are planning to share this cake together.
The reporter learned from the China Mobile E-Commerce Center that the current payment standards of operators have been unified with the UnionPay standard. From this point on, the operator's mobile payment service (especially remote online payment) began to perform in an emergency.
Our reporter Cai Wei Qiu Yufeng intern Yang Jinhua Changsha reported that the mobile phone remote payment business speeded up development reporters yesterday from the China Mobile e-commerce innovation product base responsible for the development of China Mobile mobile payment business, I understand that China Mobile's mobile payment standard has adopted 13.56MHz UnionPay standard. This means that China Mobile and the bank's mobile payment standards have become more unified, and the three major telecom operators have reached a consensus with the banks.
At present, the three major operators have launched or will soon launch mobile payment services in Hunan.
Unicom's "Wo Pay" has been launched, and Hunan Telecom Tianyi Mobile Bus Card will be officially launched in the first half of this month. Hunan Mobile Mobile Wallet has been trial commercial since 2009.
At the end of January 2008, Hunan became the first “National Mobile E-Commerce Pilot Demonstration Province†in China, and China Mobile set up an e-commerce center in Changsha, Hunan. You Feng, project manager of Hunan Mobile Data Department, said that Mobile has cooperated with more than 1,000 high-quality merchants such as Jingdong, Fanke and Handle. Users who have opened mobile payment can choose the payment method of “mobile payment†when they move online shopping for these contracted merchants, and can enjoy the benefits given by mobile. For example, he said that if he buys a 100-yuan USB flash drive, he will send a 20-yuan red envelope back to the user's account. In order to promote mobile payment, China Mobile will use huge amounts of money for mobile phone remote payment promotion.
Xu Zhifeng, head of the marketing support center of the center, believes that in addition to giving preferential treatment, security and convenience are the advantages of mobile payment over other payment methods. However, he admits that the main purpose of the current mobile payment service is to enhance user stickiness and temporarily in the market cultivation stage. The Group has not made any profit requirements for this.
Mobile phones can pay for water and electricity, or you can buy online. Just go to the mobile to change cards, you can recharge your account, and go to supermarkets, cake shops, cinemas, etc.. University teacher Zhou said that he is a mobile phone wallet. Users feel very convenient.
At present, there are two ways to pay for mobile phones: one is on-site payment, that is, mobile wallet. Users hold mobile phones on the POS machine for brush consumption, supermarket shopping, bus rides, and movie tickets can “brush†the phone.
The other is remote payment, such as using mobile phones to hand over water, electricity, cable TV viewing fees, and online shopping, which is equivalent to using the operator as an "Alipay." Xiao Chuntao, project manager of Hunan Mobile Data Department, said in an interview with this reporter that since last year, mobile users in Changsha, Xiangtan and Hengyang can use their mobile phones to pay water fees, and Xiangtan, Yiyang and other places can pay cable TV fees. On January 18 this year, Hunan Mobile and ICBC's co-payment service was launched in the province. Users in the province can log in to the mobile phone to pay for the website, or send a text message to open the service, and then use the mobile phone to pay the electricity fee. Recently, mobile phone users can also use mobile payment accounts to shop on Jingdong Mall, Vanke, Handan. At present, mobile phone payment and payment of electricity does not support card users for the time being. The single payment limit for mobile phone payment is 10,000 yuan, and the daily limit is 10,000 yuan.
Xiao Chuntao revealed that the province's mobile users' public utility payment transaction volume increased from 100,000 yuan in February to 2.6 million yuan in April, and climbed 25 times in just two months. This transaction amount is mainly based on electricity, accounting for 95% of the province's transaction volume. There are 20 provinces and cities that have opened such businesses nationwide.
At present, the mobile mobile payment service has expanded 184 public utility payment projects across the country, covering water, electricity, coal, cable TV, communication broadband fees, and bus recharge services. The business scope covers 42 cities including Changsha. In large and medium-sized cities, the number of payment projects and coverage are ranked third (after Alipay and Tenpay). Among them, mobile payment users in 14 cities and prefectures in Hunan Province can use mobile phones to pay electricity bills, and can also customize SMS billing reminders or commissioned deductions. Changsha, Xiangtan, Hengyang's water, Yiyang cable TV, etc. also access mobile mobile payment platforms.
Reviewing the standard disputes UnionPay and operators have long disputed mobile payment standards. UnionPay hopes to adopt the 13.56MHz standard. China Unicom and China Telecom have basically supported the UnionPay standard. However, China Mobile, which took the lead in mobile payment, adopted the 2.4 GHz solution. On March 10 last year, China Mobile spent 39.8 billion yuan to acquire more than 2.2 billion new shares issued by Shanghai Pudong Development Bank, thus holding a 20% stake in Shanghai Pudong Development Bank. Wang Jianzhou, president of China Mobile, explained that the acquisition of Pudong is to promote mobile e-commerce, namely mobile finance. In the future, it can also make money transfer and relatively large transactions and remittances. Finally, mobile phones can be used as carriers to realize mobile e-commerce such as B2B and B2C.
Although Wang Jianzhou explained to the media the principle of investing in Shanghai Pudong Development Bank, he specifically mentioned that he does not participate in the daily operations of Shanghai Pudong Development Bank, does not increase the shareholding ratio, and does not continue to involve the “three noes†principle of the financial industry, but the industry still has mobile The idea of ​​making a difference in financial business. In early May 2010, China UnionPay joined China Telecom, China Unicom, various commercial banks and a number of third-party organizations to establish a mobile payment industry alliance. In September, China UnionPay announced the launch of “UnionPay Onlineâ€, which combines multiple types of mobile phone remote payment services. Mobile e-commerce portal. On this portal, UnionPay has no mention of moving.
The status quo tends to be unified. On April 14th, the “2011 China Mobile Payment Industry Forumâ€, Huang Gengsheng, senior project director of China Mobile Research Institute, said that in the development strategy of mobile payment, China Mobile is also developing the 2.4GHz standard. Do not give up the 13.56MHz standard. This means that China Mobile began to compromise with UnionPay.
Since 2009, China Mobile Mobile's three major businesses have launched pilot and commercial applications, including mobile payment, card, and Expo tickets. Last year, China Mobile's mobile phone registered users had a total transaction volume of 3 billion yuan. In March this year, the monthly transaction volume exceeded 400 million. There were more than 10,000 on-site merchants, 455 local remote merchants, and 1006 remote merchants. Yu Feng, project manager of Hunan Mobile Data Department, said in an interview with this reporter that at present, China Mobile e-commerce innovation product base has adopted the mobile payment standard of UnionPay 13.56MHz standard in technology. "There is no conflict in business, and cooperation is the main one." You Feng said. “Because only banks have the legal qualifications for payment, the bank and mobile phone payment cooperation is mainly in the field of recharge and settlement.†The relevant person from the ICBC Electronic Banking Department said.
Since 2010, Hunan Mobile has signed business cooperation agreements with a number of banks, such as industry, agriculture, China, construction and exchange, and UnionPay, and has carried out business cooperation such as online banking recharge, cartoon binding, credit card recharge, and ICBC. Pufa has established a direct banking and banking system to automate the settlement of mobile payment transactions.
Progress Operators Set Up Payment Companies Today, the three major operators have or are building independent companies to operate mobile payments. China Telecom took the lead in setting up the payment company "Tianyi E-Commerce Co., Ltd." in March this year. Subsequently, China Unicom also announced the formal formation of Unicom Woyi Pay Network Technology Co., Ltd., and received a business license on April 18, the company registered capital of 250 million. China Mobile is also planning to set up a payment company. In Japan, the most mature mobile payment service, in April 2005, Japan's largest operator NTT DoCoMo formed a strategic alliance with Sumitomo Mitsui Financial Group (SMFG) and its subsidiaries, and spent 98 billion yen to acquire 34% of Mitsui Sumitomo cards. Equity.
How to use mobile phones to pay users first need to open a payment account at the operator, through online banking transfer or recharge to the account in the business hall, you can use this account for online shopping and buy water, electricity, gas and so on. Enter the account number and password for mobile payment when shopping. When shopping in the supermarket, buying movie tickets, and eating at the fast food restaurant, you can also "brush" the phone. In addition to requiring a mobile wallet to be opened, the mobile phone needs to add a patch card to the mobile phone. Mobile payment users do not need to be associated with the bank to recharge or consume.
The reporter learned from the China Mobile E-Commerce Center that the current payment standards of operators have been unified with the UnionPay standard. From this point on, the operator's mobile payment service (especially remote online payment) began to perform in an emergency.
Our reporter Cai Wei Qiu Yufeng intern Yang Jinhua Changsha reported that the mobile phone remote payment business speeded up development reporters yesterday from the China Mobile e-commerce innovation product base responsible for the development of China Mobile mobile payment business, I understand that China Mobile's mobile payment standard has adopted 13.56MHz UnionPay standard. This means that China Mobile and the bank's mobile payment standards have become more unified, and the three major telecom operators have reached a consensus with the banks.
At present, the three major operators have launched or will soon launch mobile payment services in Hunan.
Unicom's "Wo Pay" has been launched, and Hunan Telecom Tianyi Mobile Bus Card will be officially launched in the first half of this month. Hunan Mobile Mobile Wallet has been trial commercial since 2009.
At the end of January 2008, Hunan became the first “National Mobile E-Commerce Pilot Demonstration Province†in China, and China Mobile set up an e-commerce center in Changsha, Hunan. You Feng, project manager of Hunan Mobile Data Department, said that Mobile has cooperated with more than 1,000 high-quality merchants such as Jingdong, Fanke and Handle. Users who have opened mobile payment can choose the payment method of “mobile payment†when they move online shopping for these contracted merchants, and can enjoy the benefits given by mobile. For example, he said that if he buys a 100-yuan USB flash drive, he will send a 20-yuan red envelope back to the user's account. In order to promote mobile payment, China Mobile will use huge amounts of money for mobile phone remote payment promotion.
Xu Zhifeng, head of the marketing support center of the center, believes that in addition to giving preferential treatment, security and convenience are the advantages of mobile payment over other payment methods. However, he admits that the main purpose of the current mobile payment service is to enhance user stickiness and temporarily in the market cultivation stage. The Group has not made any profit requirements for this.
Mobile phones can pay for water and electricity, or you can buy online. Just go to the mobile to change cards, you can recharge your account, and go to supermarkets, cake shops, cinemas, etc.. University teacher Zhou said that he is a mobile phone wallet. Users feel very convenient.
At present, there are two ways to pay for mobile phones: one is on-site payment, that is, mobile wallet. Users hold mobile phones on the POS machine for brush consumption, supermarket shopping, bus rides, and movie tickets can “brush†the phone.
The other is remote payment, such as using mobile phones to hand over water, electricity, cable TV viewing fees, and online shopping, which is equivalent to using the operator as an "Alipay." Xiao Chuntao, project manager of Hunan Mobile Data Department, said in an interview with this reporter that since last year, mobile users in Changsha, Xiangtan and Hengyang can use their mobile phones to pay water fees, and Xiangtan, Yiyang and other places can pay cable TV fees. On January 18 this year, Hunan Mobile and ICBC's co-payment service was launched in the province. Users in the province can log in to the mobile phone to pay for the website, or send a text message to open the service, and then use the mobile phone to pay the electricity fee. Recently, mobile phone users can also use mobile payment accounts to shop on Jingdong Mall, Vanke, Handan. At present, mobile phone payment and payment of electricity does not support card users for the time being. The single payment limit for mobile phone payment is 10,000 yuan, and the daily limit is 10,000 yuan.
Xiao Chuntao revealed that the province's mobile users' public utility payment transaction volume increased from 100,000 yuan in February to 2.6 million yuan in April, and climbed 25 times in just two months. This transaction amount is mainly based on electricity, accounting for 95% of the province's transaction volume. There are 20 provinces and cities that have opened such businesses nationwide.
At present, the mobile mobile payment service has expanded 184 public utility payment projects across the country, covering water, electricity, coal, cable TV, communication broadband fees, and bus recharge services. The business scope covers 42 cities including Changsha. In large and medium-sized cities, the number of payment projects and coverage are ranked third (after Alipay and Tenpay). Among them, mobile payment users in 14 cities and prefectures in Hunan Province can use mobile phones to pay electricity bills, and can also customize SMS billing reminders or commissioned deductions. Changsha, Xiangtan, Hengyang's water, Yiyang cable TV, etc. also access mobile mobile payment platforms.
Reviewing the standard disputes UnionPay and operators have long disputed mobile payment standards. UnionPay hopes to adopt the 13.56MHz standard. China Unicom and China Telecom have basically supported the UnionPay standard. However, China Mobile, which took the lead in mobile payment, adopted the 2.4 GHz solution. On March 10 last year, China Mobile spent 39.8 billion yuan to acquire more than 2.2 billion new shares issued by Shanghai Pudong Development Bank, thus holding a 20% stake in Shanghai Pudong Development Bank. Wang Jianzhou, president of China Mobile, explained that the acquisition of Pudong is to promote mobile e-commerce, namely mobile finance. In the future, it can also make money transfer and relatively large transactions and remittances. Finally, mobile phones can be used as carriers to realize mobile e-commerce such as B2B and B2C.
Although Wang Jianzhou explained to the media the principle of investing in Shanghai Pudong Development Bank, he specifically mentioned that he does not participate in the daily operations of Shanghai Pudong Development Bank, does not increase the shareholding ratio, and does not continue to involve the “three noes†principle of the financial industry, but the industry still has mobile The idea of ​​making a difference in financial business. In early May 2010, China UnionPay joined China Telecom, China Unicom, various commercial banks and a number of third-party organizations to establish a mobile payment industry alliance. In September, China UnionPay announced the launch of “UnionPay Onlineâ€, which combines multiple types of mobile phone remote payment services. Mobile e-commerce portal. On this portal, UnionPay has no mention of moving.
The status quo tends to be unified. On April 14th, the “2011 China Mobile Payment Industry Forumâ€, Huang Gengsheng, senior project director of China Mobile Research Institute, said that in the development strategy of mobile payment, China Mobile is also developing the 2.4GHz standard. Do not give up the 13.56MHz standard. This means that China Mobile began to compromise with UnionPay.
Since 2009, China Mobile Mobile's three major businesses have launched pilot and commercial applications, including mobile payment, card, and Expo tickets. Last year, China Mobile's mobile phone registered users had a total transaction volume of 3 billion yuan. In March this year, the monthly transaction volume exceeded 400 million. There were more than 10,000 on-site merchants, 455 local remote merchants, and 1006 remote merchants. Yu Feng, project manager of Hunan Mobile Data Department, said in an interview with this reporter that at present, China Mobile e-commerce innovation product base has adopted the mobile payment standard of UnionPay 13.56MHz standard in technology. "There is no conflict in business, and cooperation is the main one." You Feng said. “Because only banks have the legal qualifications for payment, the bank and mobile phone payment cooperation is mainly in the field of recharge and settlement.†The relevant person from the ICBC Electronic Banking Department said.
Since 2010, Hunan Mobile has signed business cooperation agreements with a number of banks, such as industry, agriculture, China, construction and exchange, and UnionPay, and has carried out business cooperation such as online banking recharge, cartoon binding, credit card recharge, and ICBC. Pufa has established a direct banking and banking system to automate the settlement of mobile payment transactions.
Progress Operators Set Up Payment Companies Today, the three major operators have or are building independent companies to operate mobile payments. China Telecom took the lead in setting up the payment company "Tianyi E-Commerce Co., Ltd." in March this year. Subsequently, China Unicom also announced the formal formation of Unicom Woyi Pay Network Technology Co., Ltd., and received a business license on April 18, the company registered capital of 250 million. China Mobile is also planning to set up a payment company. In Japan, the most mature mobile payment service, in April 2005, Japan's largest operator NTT DoCoMo formed a strategic alliance with Sumitomo Mitsui Financial Group (SMFG) and its subsidiaries, and spent 98 billion yen to acquire 34% of Mitsui Sumitomo cards. Equity.
How to use mobile phones to pay users first need to open a payment account at the operator, through online banking transfer or recharge to the account in the business hall, you can use this account for online shopping and buy water, electricity, gas and so on. Enter the account number and password for mobile payment when shopping. When shopping in the supermarket, buying movie tickets, and eating at the fast food restaurant, you can also "brush" the phone. In addition to requiring a mobile wallet to be opened, the mobile phone needs to add a patch card to the mobile phone. Mobile payment users do not need to be associated with the bank to recharge or consume.
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