NFC mobile phone payment to look forward to tomorrow
Modern people in the wallet is not only cash, more is a variety of cards -- credit cards, debit cards, membership cards, transportation cards, health cards, and so on. Each card has its own card issuers, your logo, your own brand. In the future, these cards will be integrated on a uniform card, and with the mobile phone binding. Credit card era will be gone, and "brush mobile phone" era is coming
On the current domestic situation, our distance NFC mobile life really far away; and no NFC, no payment of life 2
Article 2: to pay the life experience
Bill and NFC mobile phone day
* "brush mobile phone" pay per ride bus (if a private car, through the mobile phone pay parking fees), pay 2 life begins.
* see a free tonight concert posters, through the NFC mobile phone in the poster specific labels point scanning, immediately in the mobile phone to see more detailed information. Then, the mobile phone has carried on the simple click then booked a seat, and soon received the electronic ticket and stored in mobile phone. Then, send text messages to invite his wife went to the concert and dinner.
Arrived in the office door, the door through the mobile phone card.
* lunch time, Bill paid meals through the mobile phone store credit card.
* after lunch, Bill to partner at the meeting, the participants through as long as the two phones make up a block will be able to exchange business cards.
* 6 in the afternoon, Bill and his wife together go to the concert, through the NFC mobile phone at the entrance card to enter.
* after the concert, they go to the mall shopping, eating, consumption is also carried out by NFC mobile phone.
* go home at night, Bill realized that the phone, then immediately telephoned the mobile operators and requires shielding all NFC service function. If he can put the phone to find words, will be able to re activate these functions.
1+1 > 2
NFC mobile payment function is contactless payment card and mobile phone function fusion function. From the above case we can see that the non contact NFC phone play a role than a pure card to:
Mobile phone and card bundled made "1+1>2" effect. For example, when buying a ticket, no need to store the ticketing center, also do not have tickets, simplify the process, improve the efficiency of.
Of course, in addition to paying function, NFC mobile phone also has other functions. For example, while waiting for the bus, docking with kiosks, can understand the latest car information and weather forecast or map; in addition, he can through the login mobile Internet to obtain instant traffic information or news.
In this scenario we can see, Bill's mobile payment life has three key words: NFC payment, remote payment, interaction. Among them, NFC payment is the core and the remote payment is added, and the interaction is through which soul.
The non-contact card function and mobile phone functions are tied after the birth of NFC mobile phone. NFC has many unique advantages in expanding NFC service opportunities:
* interactive: mobile phone keyboard, screen (Chu Moping), sound and vibration function makes the NFC services to interact. For example, you can see your records of consumption on mobile phone;
* management of multi use remote card:
* remote user management:
Only when all the links of the industry chain to achieve the win-win cooperation, NFC mobile phone payment life can really come, behind which is a complex ecological system, party support each other, depend on and restrict
Macro: NFC mobile phone payment ecosystem
NFC mobile phone payments ecosystem is an extended version of the current non contact ecological system model, it adds many unique features, can open up a new market space, many of the involved parties are likely to benefit from. However, at present, in the specific business models and profit distribution level there are still many disputes, and it needs to be concessions and compromise of the parties.
Mobile operators and banks is undoubtedly the most participants in this important ecosystem, but apart from them, there are several participants can not be ignored.
The evolution from the ordinary mobile phone to the NFC mobile phone operator, to expand new areas of business. Need to pay attention to is, we do not simply the non-contact card function added to the mobile phone on the organic integration of the two, but to realize the function of fusion -- the birth of new function.
For operators, NFC mobile payment is a very good opportunity to increase its ARPU value, it can from the following several aspects of profit:
A transfer fee;
B SIM card or mobile phone space rental;
C data traffic fee;
D SP application management;
The E provides direct financial services;
In addition, NFC mobile payment services and conducive to the maintenance of customer loyalty, because of their conversion operators may bring you inconvenience.
An important aspect is naturally divided into profit from payment. In addition, NFC mobile payment will reduce people's cash holdings and the production of plastic non-contact card cost, this is also good news for banks. In addition, the bank will also can pass through the participation of more interactive services, such as online banking services.
The service provider
NFC content providers to provide the services required for mobile phone users, so that they can access the digital content in the poster, magazine. In addition, they also for telecom operators to provide value-added content, through value-added business platform can provide available commercial information for mobile phone users.
From the service provider's perspective, the key to success lies in the innovation of current non-contact card business. Users are using the NFC mobile phone payment services because it has the advantage of new or function, or they can benefit. At present, the service providers have been able to in accordance with the relevant information of the non-contact card sends the user personalized advertising, but the communication medium is not the card itself, but through other channels, such as email etc.. NFC mobile phone will change this kind of phenomenon, because it itself is an excellent medium of communication, but also can achieve whenever and wherever possible -- can even through the positioning technology to judge when to send what kind of information.
The chipset maker
Chipset manufacturers to provide integrated circuit element NFC mobile phone need to and from their divide a cup of a thick soup. These chipsets include:
* integrated circuit element NFC controller
* integrated circuit element trusted execution environment
* NFC smart label
Coordinate the chipset manufacturers are also committed to the standardization problems related products. Chipset development needs between the chipset manufacturers, mobile phone manufacturers and service providers, three party closely, so it can better meet the application requirements.
NFC mobile phone manufacturers
Mobile phone manufacturers according to the industry standard design and manufacture of NFC mobile phone. Due to their efforts, the NFC application service providers to offer improved. Add on the phone to keep new technology or new service will further enhance the acceptance of NFC mobile phone.
NFC element and label manufacturers
The NFC element and the label manufacturers for the production design and according to the service provider requirements and industry standards. In order to better meet customer demand, they have the security of various modes of:
* tamper resistance
* for a communication channel or content encryption
* the core management of service provider for encryption
* software (driver, middleware, SDK)
The NFC element and the label manufacturers need to cooperate closely with mobile operators, handset manufacturers and NFC service providers, ready to exchange the latest market information, provide support for a variety of new modes of communication.
Subway, bus and cinema and other places need to install special NFC mobile payment card reader, the facilities provided by the NFC equipment manufacturers.
Movie theaters, museums and art galleries need a place holder entry to pass through the cell phone to buy and download electronic ticket payment - mobile phone users can benefit from the NFC phone, at the ticket "brush" mobile phone into the can. In addition, shopping, catering or entertainment will be able to enjoy the benefits of NFC mobile phone payment convenient.
In order to do to obtain commercial interests, the system must have open enough, and promote the industrial chain in the ecosystem to win each end - and this is perhaps the NFC mobile payments ecosystem of the eventual success key. For mobile payment, the key to success lies in between the participating parties Cooperation -- whether it be determined standards or business model. The implementation of mobile operators, banks, service providers and merchants of all parties and win-win.
NFC mobile payment in the global development is not balanced. Japan and South Korea have to go in front; Europe followed; while the United States and China is still in the entry
Non contact technology is now very mature and in the world are widely used in many fields, such as credit cards, transportation cards, shopping cards, and mobile phone bundle is non-contact card next mission. Nowadays, network capacity and mobile phone functions are achieved steadily, this for the development of mobile phone payment will play a role in promoting. At present, mobile phone has been like purses and an inseparable relationship with people, even more than the wallet more closely, this also to the mobile phone NFC payment brings more space of imagination.
Japan and South Korea
Japan is the leader in NFC mobile phone payment operators to resolve, "a total of two tigers fight" situation through the acquisition of banks, and leading the whole industry development. Japan's mobile operators in the market to promote the level is also a bit of effort. In order to encourage businesses to adopt mobile payments, NTT DoCoMo to install special card reader costs for businesses in the initial stage of operations (a monthly commitment to businesses to collect the rent a way to recover the investment), charged to merchants trading commissions than banks in low.
South Korea paid second only to Japan in a non-contact type mobile phone, South Korea's three big operators through the technical transformation of RFID began on the original non contact infrared based mobile phone payment system upgrade, through the act with united strength with the bank to carry out the payment business contactless mobile phone based on RFID. SKT and KTF found in NFC mobile phone use public transport is very popular, there are up to 450000 using the "T-money" service users using the service, 85% of users think using contactless mobile phone than pay to ride public transportation more convenient, and said it would continue to use this service.
The European NFC mobile phone payment in 2006 2007 began to start, the promotion. In Germany, Nokia, Philips, Vodafone is the main promoters; in France, Orange and Cofinoga is a pioneer; in Holland, the leading Party has JCB, Rabobank, Orange etc.. Single Euro payment area (created by the European Single Euro Payment Area, SEPA) largely eliminated many obstacles mobile phone payment existence; many operators have their own banking licence, which is more conducive to business. European mobile phone payment security problem is a major obstacle to the development of. On the one hand, the user is skeptical; at the same time, operators and banks hold about the safety standard is not unified.
American pay for the NFC mobile phone enthusiasm is not particularly high, but also began to try, in more than 8 businesses already installed more than 400000 Taiwan NFC card reader. While Visa and MarsterCard two kcal organization for the harmonization of the contactless payment standards (PayPass).
In China, prototype mobile phone payment status is just what we see. Although the concept of mobile payment is not new, but the integration of NFC and interactive elements payment form is still at the primary stage, many are superficial type pilot. Moreover, due to lack of dominant industry chain is clear, the relevant standard follow-up more impossible, terminal manufacturers and businesses in state.
From three aspects of distress. One is that the dominant power of unclear ownership of banks (Yin Lian) or mobile operators? Two is the lack of relevant standards, industry, this hidden dangers for the future of the whole industry chain anti war buried; three is the existence of risk, safety level
The realization of NFC mobile phone payment function is actually a integrated card, who took control of the cards, who will have more right to speak. In this regard, operators and banks (or the cup body) have their own small abacus.
Monologue: operators: to achieve NFC card SIM card binding, user and application of grasping hands, hands are excellent. To firmly grasp the basis control force, through the mobile network push various value-added services, and put the money in his pocket in the interaction with the user process.
The inner monologue -- Bank: NFC card SIM card separation, on the device implanted single NFC module, operator's role is a communication pipeline.
As we know, in Japan or Europe, the opposition between the two through mergers and acquisitions way to solve, became a family, there's nothing to be of. For example, DoCoMo has acquired the Sumitomo Mitsui Card Co and Mizuho bank, became Japan's largest issuers. But this is in China is a "mission impossible" - the national policy has a strict limit.
So, who should be responsible for this industry? May also have to take the long view.
Any market development are from small to big, so is the NFC mobile payment. Investigation shows that, in the short term, the majority of consumers can only accept micro payment, that is to say the market to gradually cultivate. In the field of micro payment, financial institutions are required to pay the cost and small profit is not proportional to the lack of power to promote the market development in the initial is. From this perspective, if put their hopes in the bank on, NFC will long elusive. Therefore, in the beginning, by mobile operators is logical. On the other hand, mobile operators by virtue of its mobile network advantage is better able to provide a full range of services for users, this will help to consolidate its position; at the same time, mobile operators can on this basis to provide multiple additional services, maximize the deep industry development.
Analysys International analyst Deng Zhongyuan thinks, in the small mobile phone payment services market, users of the safety requirements are relatively low, in the absence of financial institutions involved in the case, the operator can handle a situation with ease; and, "banks have no way to contend with operators, mobile phone calls itself through the micro payment services, such as public transportation card, small the amount of the purchase of goods and so on, the operator can directly do not need to go through, what restrictions, as long as the hardware based equipment in place can be a."
However, Deng Zhongyuan also thinks, "if it is a large payment, such as credit card POS machine to complete the payment, credit card payment services, operators in and of itself has no right to provide such services, which is the bank's exclusive. To attract users deposits and provide bank card payment services, in the current national regulation policy, only banks can do."
In the large field of payment, they have great cooperation space -- "operators to provide technology and equipment, the bank provides a channel flow of funds. This situation is similar to the mobile phone TV and IPTV, do not cancel in the policy restrictions, bank or advantage."
In the long run, the two is the relations of cooperation, cooperation mode and the benefit distribution of concrete is a core problem.
The third party
There is another point of view, the establishment of an independent third party organization is the best way to solve this problem, one can coordinate the relationship between the two parties; two can be more effective management of NFC customer database; three can be in a more neutral stance to provide more perfect service and so on. The association of GSM white paper points out, the third party service credible (TTP air card service) is an essential part of the NFC industry chain.
A standard third party Service Corporation is this: the company by the users trust, can cooperate with many service providers, are mobile communication companies and banks, UnionPay's support.
In fact, as early as in 2003 August, China Mobile and Chinese UnionPay jointly established Beijing UMPAY Technology Co. ltd.. As a professional mobile phone payment services, provide "Mobile Phone Wallet" and "silver ICT" service for the user of China Mobile, to provide convenient, fast payment channel for the majority of businesses, expand Chinese bank card using environment. However, because of the financial and telecommunications competition exist between the two sides, the cooperation is not fully open. The personage inside course of study points out, our country's third party mobile phone payment business may not pay the dominant business in the mobile phone market, but has certain development space in some higher requirement on the neutrality of the specific market segments, such as public transportation and public utilities to pay field.
A major obstacle to the lack of standards is also China's NFC mobile payment development. On the one hand, if there is no NFC hardware and software protocol uniform, participate in vendor in its own rule, it is bound to cause a waste of resources; on the other hand, in the absence of standards, most manufacturers will not act rashly, lest waste of effort, and this directly leads to the majority of manufacturers of the industry chain will continue to wait and see. Thus the delay time.
Fortunately, GSMA recently held in Macao mobile Asia Congress brought us good news: announced the full support of the ETSI through the SWP standard, as between SIM card and NFC chip interface. The first support the SWP standard of NFC phones, is expected to come out in 2009, consumers can quickly and safely to the station to buy goods or services in shops, restaurants and train. GSMA also launched the Pay- Buy-Mobile programme, the world's 45 telecoms operators involved, including AT&T, Orange, Vodafone, SoftbankMobile and China Mobile.
Believe that with more Chinese enterprises to participate in the establishment of NFC standard ranks, NFC mobile payment industry will be gradually activated.
The final decision power industry development from the market, the NFC mobile phone payments, the most critical consumer identity. At present, the majority of consumers are only able to accept the reasons of micro payment is the presence of doubts about payment security, so only to solve this problem, the market can be excited. Fortunately, security vendors have made a series of breakthroughs, such as fingerprint recognition technology has been used in Japan and South Korea and other countries, for the security escort.
Remote payment and NFC near field pays fusion is the trend of the times, the mobile payment market scale will be further expanded, but all of this, all need to be established on the basis of each participant in the effective cooperation in the industrial chain
The application itself, through the mobile phone remote mobile payment and NFC payment will merge gradually in the future, the two support each other to build perfect mobile life. For example, for the mobile booking service is a remote mobile payment services, users can through the mobile network to complete the ticket purchase and download, and do not need the NFC terminal "brush" mobile phone. However, at the ticket on the link, you can pay via NFC to achieve.
As for the market, major research institutions also gives the optimistic expectations.
Analysys International report predicted that in 2009 China's mobile payment market scale will reach 1974000000 yuan, nearly 2000000000 yuan; prediction of Analysys also this market will also develop rapidly, from 2006 to 2009, the average annual compound growth rate of 70.4%, the user scale will reach 82500000 in 2009, from 2006 to 2009 the average annual compound growth rate 25.24%.
NFC forum summarized several big keywords power NFC industry success:
Cooperation: not only is benefit sharing, risk sharing is also included;
Brand: brand integration cannot let follow card vanishes, should be displayed in the user interface, such as placing a link or logo;
Trust: between mobile operators and banks need to establish a good relationship of mutual trust;
Benefit: it is not only the main parties - banks, operators benefit from consumers and businesses to support the NFC consumption also can get benefits. In order to achieve this goal, NFC mobile phone payment must accomplish the following several points: fast, safety, accessibility;
Standard: ensure NFC mobile payment industry benign operation of the premise to intensify the development of standards