The new wave of mobile payment has hit, and the market development prospects are very broad. In recent years, with the continuous upgrading of mobile device application services and the increasing demand for payment convenience, mobile payment is becoming another new wave of electronic payment industry following card-based payment and online payment. The explosive growth of the number of mobile phone users and the rapid construction of mobile networks have become a powerful push for this wave. According to CCID's economic data, as of January 2013, China's mobile phone users reached 111.125 million, with a penetration rate of 82.6/100. Among them, 3G users increased by 10.43 million, and the annual net increase of users exceeded 100 million for the first time. The number of users of online payment increased by 408 million, with a total size of 242 million. After 2013, the number of users of online payment will further increase, and China's mobile payment market will enter an accelerated development stage with a very broad prospect.
Mobile payment products have been launched one after another, the industry competition has been continuously enhanced, and the product content has been gradually enriched. China Mobile and China UnionPay jointly launched a mobile phone "mobile wallet" joint product, which will electronicize all kinds of physical cards of customers, enabling customers to download electronic cards to NFC-SIM cards through mobile wallet clients, and then hold NFC mobile phones. It can realize merchant consumption, brush bus, brush access control, etc. Up to now, the two parties have jointly launched 13 electronic card applications of 9 banks through the TSM platform. In 2012, Lacala officially launched a mobile phone card reader for mobile payment products. No need to open online banking, just connect the mobile phone card reader to the smart phone, and complete the daily transfer, credit card repayment, mobile phone with Lakara APP. Dozens of businesses such as recharge, online shopping payment, and lottery movie ticket purchase. In order to optimize the user experience and meet the individual needs of users, Lacara has launched several more convenient functions such as mobile wallet and cardless payment in 2013. China Unicom also established the only Unicom Payment Co., Ltd., which is engaged in payment business, in April 2012. It is responsible for comprehensively coordinating the development of Unicom's payment business, establishing a unified payment gateway and payment capability platform, focusing on the development of mobile near-field payment services and mobile shortcuts. Remote payment service for payment and micropayment. In 2012, China Telecom teamed up with China UnionPay to build Tianyi UnionPay Wingbao mobile payment products. Users can replace a UIM card and upgrade Tianyi mobile phone to a mobile payment terminal without affecting any existing communication services. With the launch of mobile payment products and services of various enterprises, the industry competition has become fiercer and the product content has gradually become rich. Atmel, ST, Guangdong Southern Base Company and National Technology have successively launched various mobile payment support products such as chips and storage. The function of mobile payment products is continuously improved and the service is more perfect.
Mobile payment technology standards are gradually improving, and industry standards are accelerating. With the promotion and application of mobile payment, technical standards have gradually formed. In December 2012, the People's Bank of China issued the “Technical Standards for China's Financial Mobile Payment Series†to guide and standardize the development of financial mobile payment services. In February 2013, based on the “China Financial Integrated Circuit (IC) Card Specification Edition†(2010 Edition) (JR/T0025—2010) promulgated in 2010, the People’s Bank of China issued the “China Financial Integrated Circuit (IC) Card. Specification (V3.0), compatible with the latest international general technical standards, summarizing the domestic financial IC card promotion experience, and expanding and perfecting the small non-payment payment application function, supporting the dual-currency electronic cash payment application, and standardizing the IC card Internet terminal technical requirements enrich the security algorithm system. In October 2013, the National Standards Committee announced the "Information Technology Radio Frequency-Based Mobile Payments (Parts 1 through 5)", which covers basic technical content such as mobile payment RF interfaces, cards, devices, application management and security, and test methods. Interoperability and interoperability for mobile payment products. With the gradual deepening of mobile payment applications, industry standard specifications will continue to improve.
In the face of attractive market space, increasingly fierce industry competition environment and increasingly strict industry standard specifications, how should chip companies enter the mobile payment market? CCID gives the following three suggestions:
First, strengthen the research on the concept of all-round safety and guide the market development with advanced safety concepts.
With the rapid development of the mobile Internet, mobile payment has been recognized and used by some users, but if you want more recognition and further promotion and application, you need the security of the security chip enterprise and the controllability of data storage security. From the user's usage habits, security is undoubtedly the biggest obstacle to mobile payment. If security issues can be solved well, not only consumers and partners will enhance confidence, but also greatly reduce various fraud problems in business operations. Reduce system operating costs. The current security measures are relatively simple, mainly through the user's PIN to identify, more advanced security issues can be achieved from the aspects of identity authorization, data integrity, interoperability and so on. The key to the success of mobile payment is whether users can accept and get used to this payment method, that is, it needs to improve the market awareness and understanding of mobile payment, and strive to guide technology, algorithms, implementation methods and strategies. The parties create a secure payment environment that is satisfactory to both industry and consumer users.
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