Recently, in terms of remote payment and near-field payment, it has “opened the bow†and frequently operated. On the one hand, it cooperates with UC, the largest mobile browser manufacturer in China, to launch a mobile secure payment solution; on the other hand, its main mobile payment standard will become the national standard within the year.
These are all "basing" for the future competition with telecom operators and third parties.
Joint UC
On April 24th, China UnionPay, one of the world's most influential bank card organizations, signed a strategic cooperation agreement with UC Excellence, the world's largest mobile browser provider, to launch a UnionPay mobile secure payment solution based on UC browser.
"At present, because the penetration rate of mobile phones is much higher than that of PCs, the penetration rate of UnionPay cards is much higher than other online payment accounts. The cooperation between UC and UnionPay will quickly promote the process of universalization of mobile payment, and also unblock many e-commerce companies. Reading, games, group purchases and other mobile Internet companies profitable mobile payment channels." Yu Yongfu, chairman and CEO of UC Excellence, told Time Weekly.
In the view of Chai Hongfeng, executive vice president of China UnionPay, the cooperation between UnionPay and UC can be described as "strong alliance."
"The goal we set for ourselves is that by 2013, more than 10 million users will use the UnionPay-UC mobile secure payment solution." Yu Yongfu said.
In addition to cooperation with browser manufacturers such as UC, UnionPay is also working in the field of mobile phone clients. At present, merchants such as Jingdong Mall, Maibao, and Oufei Digital have launched online UnionPay payment services.
“UnionPay mobile payment is a comprehensive mobile payment solution developed by UnionPay. It is designed for different application platforms. It develops a series of products based on smart card-based UnionPay mobile phone client and security controls, fully supporting the access of mobile Internet merchants.†Chai Hongfeng Said to the Times Weekly reporter.
According to Shan Changsheng, deputy general manager of China UnionPay Mobile Payments Department, UnionPay mobile payment service is gradually covering mainstream mobile phone operating systems such as iOS, Android and Windows Phone, supporting UnionPay debit cards or UnionPay credit cards issued by more than 100 banks. There will also be different levels of benefits in terms of rates.
Enclosure mobile payment
The reporter learned at the China UnionPay 2011 Shareholders' Meeting that as of the end of 2011, China UnionPay's assets reached RMB 13.8 billion, operating income was approximately RMB 6 billion, and net profit was RMB 1.07 billion.
At present, China UnionPay's revenue structure is: First, domestic ATM income, such as handling fees collected in cross-bank withdrawals; second, domestic POS transaction transfer income, that is, the commission portion of credit card merchants; third, international business income; four are some Innovate business revenue, such as mobile payments. Among them, domestic POS revenue accounts for about half of the revenue of UnionPay.
Faced with the mobile payment market of 100 billion yuan, China UnionPay has also begun to actively unite all parties in the industry chain in order to gain the leading role in the future.
However, for the future mobile payment will account for the proportion of UnionPay revenue, single long wins the newspaper said it is not convenient to disclose.
“Union is not a conservative company. It started very early on mobile payment exploration. Since 2003, it has been researching the first generation payment platform and also launching some corresponding products.†Shan Changsheng said that UnionPay itself is an open organization and welcomes all payment industries. The products of different levels of the chain cooperate with UnionPay.
According to the Times Weekly reporter, the cooperation between UnionPay and UC is not exclusive.
As we all know, the development of China's mobile payment industry has been stuck with the standard has not been determined. There is a lack of cooperation and cooperation between telecom operators with mobile resources, mobile terminals, telecommunications users, and banks and payment associations that have payment resources.
Shan Changsheng also admitted that at present, there are more remote payment, and the near-field payment is subject to some limitations, which requires the support of mobile terminals and other parties, and has not yet reached industrialization.
Previously, China Mobile adhered to the RG-SIM2.4G standard, while UnionPay mainly promoted the NFC13.56M standard. However, the good news is that the current national standards for mobile payment have been publicly solicited opinions, and a standard review draft has been formed. It is expected to be officially released during the year. Near-field payment has confirmed that the near-field communication frequency is 13.56MHz, and the smart card product form will be compatible with various programs. Such as SIM card solution, SD card solution, full mobile phone solution, dual interface telecommunication card, etc.
"Because of the uncertainty of mobile payment standards, companies in the industry chain have never let go." China UnionPay mobile payment project team related sources said that once the standard is established, it will quickly promote the opening of the industry market space.
Tripartite melee
In order to avoid becoming a pure "pipeline" in the era of mobile Internet, telecom operators are also actively making payments. China Mobile invested 39.8 billion yuan to invest in the payment of mobile payment by Shanghai Pudong Development Bank (600,000). On April 26 this year, China Unicom (600050) held a "China Unicom Payment Co., Ltd." at its headquarters. The listing ceremony; China Telecom has also established Tianyi Payments.
It is reported that the three major telecom operators finally obtained a license for third-party payment at the end of 2011.
Private third-party payers who are currently leading the field in remote payment are not idle. Such as Alipay's bar code payment, fast money development of the "fast +" platform, TenPay's mobile client and "music brush" products.
Tripartite hegemony, who will China Mobile pay to lead?
In the eyes of the industry, this year's remote payment will be the first to lead and led by a third-party payment company. The near-field payment is still in the early stage of development, and the outbreak will have to undergo a period of market training, and all three parties have the opportunity to gain the leading position.
"Mobile near-field payment is affected by many low-acceptance users, market demand needs to be cultivated, the acceptance of the environment needs to be improved, and the cooperation between industry chain participants needs to be deepened. The large-scale outbreak will take at least two or three years. "Easy International analyst Zhang Meng said.
She believes that the development of the mobile near-field payment market in 2012 will continue to be based on the promotion of telecom operators and China UnionPay's urban commercial pilots, and the pilot cities will be further expanded.
Perhaps "disputes" can't solve the problem of mobile payment development. Only cooperation can make a way out.
"At present, the mobile payment industry chain is too long and too complicated. From chips, terminals, service providers, telecom operators, banks to UnionPay, it is necessary to achieve a win-win situation. The establishment of a win-win mechanism will enable each link to contribute its own industrial resources. "Yin Darun and Vice President Pan Xiaoxiang said.
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