If 2012 is the start year of mobile payment development, then the next 2013 will be a critical period for mobile payment enclosure and user development. At the end of 2012, the near-field payment standards were basically determined, the three major operators launched high-profile NFC products, and third-party payment companies have expanded the rural market. Relevant experts said that 2013 is an active period for China's mobile payment market business model to actively explore. It is understood that the mobile payment trusted service management platform that China has been building is expected to be officially launched at the beginning of this year.
Operators play commercial overtures for NFC payments
In December 2012, the People ’s Bank of China issued a standard for mobile payment technology in the financial industry, which mainly stipulated a standard system based on 13.56MHz technology, covering 35 standards in five categories: application foundation, security, equipment, payment applications, and networking. The product form, business model, networking universality, security assurance and other aspects have clarified the systematic technical requirements, covering the basic elements, security requirements and implementation schemes of all aspects of China's financial mobile payment, and established the "networking universal, safe and reliable" as The target technical architecture.
Before and after the release of mobile payment technology standards in the financial industry, the three major operators have begun to attract partners to launch NFC mobile payment services.
In December 2012, China Unicom and China Merchants Bank launched the SWP-USIM mobile payment service, becoming the first domestic SWP-USIM card as a carrier. A solution for managing bank accounts with the Palm Life mobile client. Diya, general manager of China Unicom's WoPay product, said that in 2013 China Unicom will vigorously develop NFC mobile wallets, and all customized machines with more than 3500 yuan require built-in NFC modules.
Just less than a week after China Unicom announced the launch of the NFC mobile payment service, China Mobile also unveiled its mobile wallet business. At the same time, it announced the opening of the NFC mobile phone SIM card space and joined hands with companies from various industries to promote the use of open platforms to users. In addition, China Mobile also released the 2013 NFC deployment plan, and cooperated with China UnionPay to launch NFC mobile payment services in 12 provinces, and fully launched NFC mobile payment commercial services.
In January 2013, China Telecom stated in the CDMA terminal industry chain that it would choose NFC-SWP to develop mobile payment, start the NFC-SWP pilot, launch NFC-SWP cards on a large scale, and start terminal customization to promote cooperation with the financial industry.
In 2013, the three major telecom operators kicked off the NFC mobile payment business.
Trusted service management platform will be online
Near-field payment technology has become an important opportunity for telecom operators to enter the payment field. However, near-field payment covers many fields such as chips, mobile terminals, information services, telecom operators, and financial institutions. On the issue of initiative, there is a phenomenon of competition in the financial and telecommunications fields. How to share the superior resources of both parties to facilitate users to install and use mobile payment application services has become the focus of attention. To this end, China is establishing a unified standard for trusted service management platforms in order to promote the development of the mobile payment industry.
According to reports, the trusted service management platform is a trusted public open service platform that provides various industries with various types of application issuance and card management based on security modules (cards), supports various business access, and has the You and third-party business platforms provide application issuance and management capabilities, authenticate and authorize security module (card) applications to use their related business capabilities, and provide secure application issuance and application management means for security module (card) applications.
According to Dai Xiaohui, deputy director of the Science and Technology Department of the Ministry of Industry and Information Technology, all three major telecom operators in China are establishing trusted service management platforms. Similarly, China UnionPay is also investigating the pilot and practice of trusted service management platforms around the world.
Chai Hongfeng, executive vice president of China UnionPay, said that China UnionPay and China Mobile have already carried out the docking test of their trusted service management platforms. It is reported that at the beginning of this year, China's unified trusted service management platform will be officially launched.
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