Recently, our reporter learned from informed sources that the preparation of mobile payment national standards has entered the stage of approval for submission during the “May 1st” period. Now all the circles need to wait for administrative release.

On April 18, Chong Hongfeng, executive vice president of China UnionPay, said at the "4th China Mobile Payment Industry Forum 2012" that the national standard for mobile payment is expected to be released during the year, and the near-field communication frequency will be compatible with national standards and international standards. Adopt the 13.56MHz standard.

The speech of Chai Hongfeng’s speech, which is regarded by the industry as a long-term constraint on the development of the industry, is about to be resolved. The winner of the dispute is the China UnionPay. This also broke the previous conjecture of the "standard coexistence of the two technologies of 13.56M and 2.4G".

Previously, due to the desire to dominate the mobile payment industry chain, China Mobile's 2.4GHz standard and UnionPay's 13.6MHz standard battle was a tug-of-war. Therefore, the development of mobile payment national standards has not yet landed after three years, which makes Companies in the industrial chain have failed to let go.

The so-called shopping malls such as the battlefield, the situation is initially clear, China UnionPay is taking action.

On April 24th, China UnionPay teamed up with UC Browser to launch a mobile secure payment solution, fully infiltrating the mobile Internet payment domain and deploying remote payment. In this regard, the relevant person of China UnionPay Mobile Payments Project Group said that “once the standard is established, it will quickly promote the opening of the industry market space.”

Mobile payment is a big cake. Although the companies are struggling to kill each other, there are opportunities for cooperation and win-win in this market. Fan Jinqiao, general manager of China Mobile E-Commerce Co., Ltd. said that mobile payment is a kind of service across communications, finance, software and hardware industries. All parties must work together to promote the common development of the upstream and downstream of the industry chain.

Payment standard is coming out

It is understood that the promulgation of the national standard for mobile payment undertaken by the Institute of Electronics Technology Standardization of the Ministry of Industry and Information Technology needs to go through three stages of drafting of opinions, drafts for review, and approval of drafts. After that, relevant parties will choose the right time for administrative release.

According to the relevant person in charge of the China Electronics Standardization Institute, the draft of the national standard has entered the stage of approval for submission before and after the May 1st. “The approval draft is the official text that has been submitted to the higher authorities for approval and approval after the preparation of the plan,” he said.

In the process, UnionPay participated in the formulation of international standards for mobile payments. Chai Hongfeng confirmed that UnionPay has taken over the common part of networking in the standards of the financial industry. He said that the upcoming mobile payment industry standard not only covers the business models and technical solutions of near-field payment and remote payment, but also regulates the requirements of networked universal, trusted service management, payment security, and testing and certification.

At present, there are three mainstream mobile payment technology solutions: Near Field Payment (NFC), SIM-Pass (mobile phone smart card for medium and short range wireless communication), and RFID-SIM (dual interface smart card). The UnionPay has chosen the NFC payment scheme based on the 13.56MHz international standard. It has matured in the domestic and foreign markets and has been widely used in the fields of non-contact cards such as transportation, finance, social security and fueling, especially for existing ones. Most of the POS terminals. Obviously, as the largest POS owner in China, China UnionPay certainly hopes that its plan can be selected. According to public information, at the end of 2009, UnionPay had a total of 2.41 million pos machines, an increase of 38% in 2010 and an increase of 40.2% in 2011.

Compared with the technical standards of UnionPay, China Mobile is clearly inferior. Payment by mobile-led 2.4GHz mobile phone requires users to replace the payment SIM card with radio frequency. Due to the inconsistent frequency with POS machines in major industries such as banks and public transportation, the industrial chain of China Mobile payment products is not mature. Moreover, the use of this standard also needs to be coordinated with the public and financial sectors, involving the problem of large-scale replacement of equipment, and the cost and time cost required are very large.

Perhaps because of the realization of these industrial drawbacks, China Mobile has made two preparations in the standard dispute. In 2010, after joining the mobile payment industry alliance headed by UnionPay, it did not abandon the 2.4GHz standard, but also began to develop mobile payment standards based on competitor standards.

UnionPay rushes to run remote payment

The payment standard is about to settle, bringing a breakthrough to the mobile payment industry that is ready to go.

According to statistics from iResearch, the scale of China's mobile payment transactions will reach 48.14 billion yuan in 2011, and the user scale will reach 190 million. In 2013, the number of mobile payment users in China will reach 480 million.

In the mobile payment market, it is subdivided into remote payments and near-field payments. The former is mainly for users to log in to the bank's webpage or the client through the mobile phone to perform payment and other operations. The latter refers to the use of mobile phones to transmit through radio frequency, infrared, Bluetooth and other transmission methods.

Zhang Meng, an analyst at Analysys International, believes that “remote payment is a mobile Internet-based online payment. The industry chain is relatively simple and clear. Third-party payment vendors also have 10 years of operational experience in the Internet online payment field. Remote payment will lead the way. ""

The disadvantage in the Internet business is also an important reason why UnionPay has not entered the remote payment before the standard is established, so it is waiting for an opportunity. It seems that this time is ripe. Shan Changsheng, deputy general manager of China UnionPay Mobile Payments Department, said that the current user community is maturing, the network environment is entering 3G, and the development of mobile e-commerce has reached an appropriate stage. Perhaps this also explains why China UnionPay has teamed up with UC Browser to launch a mobile secure payment solution.

It is said that compared with the previous mobile payment scheme, UnionPay mobile payment users can complete the payment after completing the corresponding bank card and downloading the relevant bank card information, which is simple and convenient.

Prior to this, based on the huge user base of online banking payment accumulation, UnionPay has begun to make great strides in the field of mobile payment. Xu Luode, president of China UnionPay, said recently that “UnionPay Mobile Payment” has been piloted or promoted in more than 30 provinces and cities across the country. The industry model is maturing, the payment business circle is expanding, and the user experience continues to improve. In addition, UnionPay cardholders can also use the UnionPay mobile payment service by logging into the merchant's mobile client.

China Mobile has also been secretly working on the remote payment business. Fan Jinqiao said that China Mobile has launched mobile banking since 2001. In March 2009, China Mobile launched a payment platform. Users use mobile phone numbers as logos to realize functions such as paying bills, public utilities, and website shopping. At the same time, China Mobile also cooperated with partners to create a “Jiehuila” online shopping channel to expand its mobile payment customer base. According to reports, in 2011, the company's mobile payment business doubled compared with the previous year.

China Unicom (600050, shares it) has not fallen. In addition to the establishment of Unicom Payments Co., Ltd. on April 26, it will focus on the development of mobile remote payment and mobile near-field payment services in the future. Among them, the remote payment service mainly develops mobile fast payment and micro payment services.

Cooperation can win together

The competition in the mobile payment market is still not a smoke, but some industry views point out that as an indispensable part of the mobile industry chain, once the enemy should embrace each other.

On April 28 last year, China UnionPay signed a mobile payment statement with the three major operators. Chai Hongfeng said that in the past year, the top leaders of UnionPay and the three major telecom operators have reached a consensus and discussed and exchanged with the companies that have already obtained licenses from the operators. He suggested that all parties in the industry should adopt a reciprocal open attitude in the fields of payment carriers, user resources, and resources of the business circle, so that everyone can work together for a win-win situation.

Chai Hongfeng also said that GM is the principle of bank card payment business development and the principle of mobile payment development, but it contains two types of cooperation: one is the sharing of business circles, and the other is the universal use of card accounts. In addition, we must adhere to the business model of open cooperation.

Fan Jinqiao said that China Mobile has already cooperated with China Telecom on dual-interface SIM cards. In addition, it has also cooperated with Shanghai Pudong Development Bank (600000) to jointly develop mobile wallet business based on PBOC2.0 financial standards. Based on mobile wallets, China Mobile has built up an open-site mobile e-commerce platform by overlaying applications such as identity-based connectivity applications, corporate cards, and bus cards.

According to the reporter, the cooperation measures between China Unicom and third parties have also started. At present, Unicom Payments has cooperated with more than 20 banks and UnionPay, MasterCard and a number of third-party payment institutions in online banking gateway payment, agreement payment, fast payment, bank collection, and public utility payment.

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