NFC Near Field payment, for most ordinary consumers, may be a strange concept, but when it comes to "brush phone" consumption, many consumers have even been known to use the. Reporters recently learned from the largest payment service provider livelihood - Wings payment company learned that in 2014 the wing payment transactions exceeded 350 billion yuan, under near-field line payment applications covering 31 provinces nationwide nearly ten thousand stores, supermarket chains, gas stations and other businesses, serving millions of consumers. From the initial RFID-UIM card (commonly known as "pigtails Card") to today's independent card, NFC mobile phones, mobile phone payment methods wing near-field payment originally paid cash consumption, brush bank cards, bus cards, fuel cards, gift cards consumption, has become a "brush mobile" consumption. It is reported that, as a future major pay near-field implementation, wing NFC mobile phone payment function has been to Beijing, Shandong, Nanjing and other ground lines. NFC mobile phone is becoming a near-field payments paid to provide convenient service wing and promote the development of the main directions of the payment industry.
Near-field payments had become the mainstream of mobile payments
Around the world, people have more and more opportunities to experience the near-field communication technology to bring convenience, the mobile payment industry has also ushered in rapid growth again. Relevant agency expects 2015 global near-field payment transactions will reach $ 426 billion; the 2017 one-third of mobile phones will support NFC Near Field payment function; 45% in 2018 to move the ticket revenue will come from the past farm payment services. Co-inventor of the NFC near field technology, executive vice president of worldwide sales and market NXP Semiconductors SteveOwen believe that 2015 will be the first year of China's mobile payment, at present, China's basic preparation in the field of near-field payment has been completed.
Policy level, in 2014, the Ministry of Housing, the Ministry of National City Card vigorously promote interoperability development and construction, planning and construction of a national TSM platform, using near-field technology, mobile micro-payment; the central bank issued "on the development of mobile payment services guidance "while stopped paying the two-dimensional code, to encourage the development of NFC mobile payment, near-field institutional guarantee of payment.
Hardware ready, with full commercial 4G, China has become the world's largest consumer smart phone market, NFC-enabled 4G phones have the market. From January 2014, China Telecom's new terminal will gradually join the listing NFC functionality, and other carriers have requested terminal manufacturers standard NFC capabilities, and gradually break through the bottleneck of the terminal, to accelerate the payment landing near-field applications.
Current payment industry in China Mobile is the first stage of the mobile Internet from remote payment, O2O e-commerce payment of the second phase of the near-field shift pay the third stage. Compared O2O remote payment and payment, near-field payments in transactions subject to fewer restrictions, hardware, etc., the use of higher frequencies. Winger payment, for example, as long as the reading device can interact with the mobile payment as simple as brush bus card, this payment method does not require the mobile Internet, do not need to enter complex user name, password and other information, in the supermarket , shopping and dining areas and consumption can be easily achieved. Based on this, industry experts believe that convenience is to promote the development and evolution of the means of payment direct cause, the near-field payment is gradually becoming the mainstream way of mobile payments, will eventually replace the remote payment.
Wings pay three advantages and effective deployment of lay industry leader
Mobile Internet Survey Report 2014 China UnionPay payment released by the payment of the purchase of physical goods accounted for 61% of respondents via mobile phone, compared to 2013 increased by 16 percentage points. Under the trend of development of mobile payment overall rise to the line near field "brush mobile" consumer and other payment market, attracting operators, handset manufacturers, financial services institutions and Internet companies have incoming, which also indicates that near-field payment industry broke out soon, intense flame inevitable. Compared to other participants in the industry chain, the wing came operators pay backgrounds have the advantage is gradually revealed.
First, the wings have to pay near-field advantage payment hardware. Not only has the best wings pay near-field payment instruments - cell phones, China Telecom also has a huge user base, payment module to the pre-installed on the smartphone has a natural advantage in the radio frequency and near field. As early as last August, China Telecom mobile wallet platform to complete construction, brewing 20 million NFC card issuance program. Thus, the wing has become one of differentiated pay highlights China Telecom Tianyi 4G services.
Secondly, the promotion of development experience from abroad to pay near-field view, can win the public service is paid to the promotion of the near-field and then won a key element of user stickiness. In this regard, China Telecom has won the opportunity to pay the wing. At present, China Telecom wing payment has been achieved in the country by bus brush phone, water, electricity, coal, and other public utilities to pay a penalty fee, users can at gas stations, restaurants, shopping malls and other occasions brush pay phone. Easy to see, the line will provide users with merchants more polymeric brushes mobile consumer opportunities for businesses to provide better service transports and collects funds to further promote the development.
Furthermore, the wing has to pay the channel edge. Pay their own opinion on the wing, the service can rely on Chinese telecom business and other channels, extending to the country, especially in the mobile payment late start of the four-tier cities and rural areas, in many areas NFC card has not been widely used, pioneered the east wind near-field payments into the user's daily life.
Industry chain parties to join hands to pay near-field speed popularity
All along, NFC Near Field payment in domestic development is relatively slow, the important challenge is the integration of industrial chain. The difficulty of near-field payment industrial chain is longer, involve a number of industries as finance, telecommunications, manufacturing, and other terminals, coordinate the implementation of large parties of different standards restricting the size of the final development of NFC Near Field payments.
Recently, Apple's NFC application ApplePay test caused concern in the country. According to sources, China Telecom wing payment has conducted negotiations with Apple ApplePay. Prior to this, China Telecom has dozens of domestic banks and Hublot shares, Watchdata, rainbow, Eastcom Peace, Tianyu Information, Gemalto and other card providers to launch NFC-SWP card; and Huawei, ZTE, Samsung, HTC and other terminal manufacturers to launch a variety of NFC phones.
Clearly, the need to promote the development of large-scale industrial chain parties cooperate NFC Near Field payments, but for consumers, using a near-field payments, whether people, and objects, or the interconnection between matters, trade security issue has always been that they are most concerned about. Deputy General Manager of Bank Card Test Center Zhigang even think, who can provide the most secure, convenient and uniform near-field payment products or services, the future will be the winner of the market.
With a more comprehensive security system, wing payments are exploring safe, convenient and efficient means of payment and industry chain parties, so that more and more users are assured that the use of mobile payments. U Shield to pay R & D wing features integrated UIM card, network access SSL, VPN, anti-decryption of information security technology to encrypt user identity information, data, and so on; by setting access permissions, decentralized management and other measures, greatly enhance the user-wing payment security. At the time of the transaction, the wing payment transaction page use encryption, transaction limits, hierarchical control, establish risk control system, improve the system, such as customer credit protection measures, and further improve the safety of users.
Besides increasing the security control from the physical device, technically, the wing also provides payment transaction information in real-time feedback, establish security systems and other services, and strengthening security cooperation with businesses, full protection of the security of user accounts.
NFC Near Field payment, for most ordinary consumers, may be a strange concept, but when it comes to "brush phone" consumption, many consumers have even been known to use the. Reporters recently learned from the largest payment service provider livelihood - Wings payment company learned that in 2014 the wing payment transactions exceeded 350 billion yuan, under near-field line payment applications covering 31 provinces nationwide nearly ten thousand stores, supermarket chains, gas stations and other businesses, serving millions of consumers. From the initial RFID-UIM card (commonly known as "pigtails Card") to today's independent card, NFC mobile phones, mobile phone payment methods wing near-field payment originally paid cash consumption, brush bank cards, bus cards, fuel cards, gift cards consumption, has become a "brush mobile" consumption. It is reported that, as a future major pay near-field implementation, wing NFC mobile phone payment function has been to Beijing, Shandong, Nanjing and other ground lines. NFC mobile phone is becoming a near-field payments paid to provide convenient service wing and promote the development of the main directions of the payment industry.
Near-field payments had become the mainstream of mobile payments
Around the world, people have more and more opportunities to experience the near-field communication technology to bring convenience, the mobile payment industry has also ushered in rapid growth again. Relevant agency expects 2015 global near-field payment transactions will reach $ 426 billion; the 2017 one-third of mobile phones will support NFC Near Field payment function; 45% in 2018 to move the ticket revenue will come from the past farm payment services. Co-inventor of the NFC near field technology, executive vice president of worldwide sales and market NXP Semiconductors SteveOwen believe that 2015 will be the first year of China's mobile payment, at present, China's basic preparation in the field of near-field payment has been completed.
Policy level, in 2014, the Ministry of Housing, the Ministry of National City Card vigorously promote interoperability development and construction, planning and construction of a national TSM platform, using near-field technology, mobile micro-payment; the central bank issued "on the development of mobile payment services guidance "while stopped paying the two-dimensional code, to encourage the development of NFC mobile payment, near-field institutional guarantee of payment.
Hardware ready, with full commercial 4G, China has become the world's largest consumer smart phone market, NFC-enabled 4G phones have the market. From January 2014, China Telecom's new terminal will gradually join the listing NFC functionality, and other carriers have requested terminal manufacturers standard NFC capabilities, and gradually break through the bottleneck of the terminal, to accelerate the payment landing near-field applications.
Current payment industry in China Mobile is the first stage of the mobile Internet from remote payment, O2O e-commerce payment of the second phase of the near-field shift pay the third stage. Compared O2O remote payment and payment, near-field payments in transactions subject to fewer restrictions, hardware, etc., the use of higher frequencies. Winger payment, for example, as long as the reading device can interact with the mobile payment as simple as brush bus card, this payment method does not require the mobile Internet, do not need to enter complex user name, password and other information, in the supermarket , shopping and dining areas and consumption can be easily achieved. Based on this, industry experts believe that convenience is to promote the development and evolution of the means of payment direct cause, the near-field payment is gradually becoming the mainstream way of mobile payments, will eventually replace the remote payment.
Wings pay three advantages and effective deployment of lay industry leader
Mobile Internet Survey Report 2014 China UnionPay payment released by the payment of the purchase of physical goods accounted for 61% of respondents via mobile phone, compared to 2013 increased by 16 percentage points. Under the trend of development of mobile payment overall rise to the line near field "brush mobile" consumer and other payment market, attracting operators, handset manufacturers, financial services institutions and Internet companies have incoming, which also indicates that near-field payment industry broke out soon, intense flame inevitable. Compared to other participants in the industry chain, the wing came operators pay backgrounds have the advantage is gradually revealed.
First, the wings have to pay near-field advantage payment hardware. Not only has the best wings pay near-field payment instruments - cell phones, China Telecom also has a huge user base, payment module to the pre-installed on the smartphone has a natural advantage in the radio frequency and near field. As early as last August, China Telecom mobile wallet platform to complete construction, brewing 20 million NFC card issuance program. Thus, the wing has become one of differentiated pay highlights China Telecom Tianyi 4G services.
Secondly, the promotion of development experience from abroad to pay near-field view, can win the public service is paid to the promotion of the near-field and then won a key element of user stickiness. In this regard, China Telecom has won the opportunity to pay the wing. At present, China Telecom wing payment has been achieved in the country by bus brush phone, water, electricity, coal, and other public utilities to pay a penalty fee, users can at gas stations, restaurants, shopping malls and other occasions brush pay phone. Easy to see, the line will provide users with merchants more polymeric brushes mobile consumer opportunities for businesses to provide better service transports and collects funds to further promote the development.
Furthermore, the wing has to pay the channel edge. Pay their own opinion on the wing, the service can rely on Chinese telecom business and other channels, extending to the country, especially in the mobile payment late start of the four-tier cities and rural areas, in many areas NFC card has not been widely used, pioneered the east wind near-field payments into the user's daily life.
Industry chain parties to join hands to pay near-field speed popularity
All along, NFC Near Field payment in domestic development is relatively slow, the important challenge is the integration of industrial chain. The difficulty of near-field payment industrial chain is longer, involve a number of industries as finance, telecommunications, manufacturing, and other terminals, coordinate the implementation of large parties of different standards restricting the size of the final development of NFC Near Field payments.
Recently, Apple's NFC application ApplePay test caused concern in the country. According to sources, China Telecom wing payment has conducted negotiations with Apple ApplePay. Prior to this, China Telecom has dozens of domestic banks and Hublot shares, Watchdata, rainbow, Eastcom Peace, Tianyu Information, Gemalto and other card providers to launch NFC-SWP card; and Huawei, ZTE, Samsung, HTC and other terminal manufacturers to launch a variety of NFC phones.
Clearly, the need to promote the development of large-scale industrial chain parties cooperate NFC Near Field payments, but for consumers, using a near-field payments, whether people, and objects, or the interconnection between matters, trade security issue has always been that they are most concerned about. Deputy General Manager of Bank Card Test Center Zhigang even think, who can provide the most secure, convenient and uniform near-field payment products or services, the future will be the winner of the market.
With a more comprehensive security system, wing payments are exploring safe, convenient and efficient means of payment and industry chain parties, so that more and more users are assured that the use of mobile payments. U Shield to pay R & D wing features integrated UIM card, network access SSL, VPN, anti-decryption of information security technology to encrypt user identity information, data, and so on; by setting access permissions, decentralized management and other measures, greatly enhance the user-wing payment security. At the time of the transaction, the wing payment transaction page use encryption, transaction limits, hierarchical control, establish risk control system, improve the system, such as customer credit protection measures, and further improve the safety of users.
Besides increasing the security control from the physical device, technically, the wing also provides payment transaction information in real-time feedback, establish security systems and other services, and strengthening security cooperation with businesses, full protection of the security of user accounts.
