In June this year, China Mobile and China UnionPay cooperated hand in hand, and China Mobile officially accepted the near field communication frequency standard of 13.56MHZ. Although the standards for near-field payment are basically unified, there is no major obstacle to the promotion of mobile payment by all parties. However, the ultimate comprehensive promotion of mobile payment is still inseparable from the cooperation of operators, banks, UnionPay and mobile phone manufacturers, so as to introduce more unified and standardized solutions and products. However, the development of mobile payment products is still at the stage of the above-mentioned strength agencies, which in turn leads to slow progress in overall promotion. The key to the advancement of near-field payment lies in the terminal and the card-issuing end. At present, the number of contactless POS machines has exceeded 1 million units under the active promotion of China UnionPay and the People's Bank of China. At the card issuance end, the companies in the near-field payment industry chain have formed a situation in which they have formed a multi-headed cooperative camp. For example, some banks cooperate with UnionPay, some banks cooperate with mobile phone manufacturers, and banks cooperate with communication operators, and UnionPay also cooperates with mobile phone manufacturers. Moreover, there are many types of chip cards that support mobile payment, including SD cards (secure digital cards) launched by UnionPay and SIM cards (user identification cards) introduced by operators. Among them, it is often difficult for banks and operators to reach an agreement. The reason is that banks and operators want to be the real dominant players in mobile payments. They all want customers to pay for the “drop†sound when they pay near-field. I hope that the customer will swipe the financial account, and the operator will want the customer to pay the bill. "In addition, there are fewer users using NFC (Near Field Communication Technology) mobile phones, and the near-field payment has not formed a scale, and it is difficult to cover high costs through economies of scale. Therefore, some banks are not active in promoting mobile payment. "The person from a Shenzhen branch of a state-owned bank said. A joint-stock bank signed a cooperation agreement with China UnionPay about two months ago. According to the agreement, the two parties will cooperate to develop mobile payment services. However, according to a manager of the retail credit card center of the Shenzhen Branch of the joint-stock bank, there is no substantive action on the mobile payment business of the bank. A bank that has already launched mobile payment products has not planned to introduce new products for the time being. "First promote the old mobile payment products and financial IC (integrated circuit card) cards, and then train the groups that adapt to mobile payments." However, some insiders said that banks in a wait-and-see state are not optimistic about the prospects of mobile payments. As the UnionPay standard is basically recognized, the model of mobile payment with UnionPay will be adopted by more and more banks. ·link· Remote payment and near field payment Mobile payment methods include remote payment and near-field payment. Remote payment refers to payment based on mobile phone mobile internet communication, and the technical means relying on it are constantly innovating, including QR code, class-like card swipe terminal and so on. The near-field payment is completed by communication with a non-contact POS machine at a close distance, and the principle is similar to Bluetooth technology. Tri-ply Stainless Steel Stockpot Tri Ply Stockpot,Kitchen Cookware,Triply Cookware Set,Cooks Standard Stock Pot SUZHOU JIAYI KITCHENWARE TECHNOLOGY CO.,LTD , https://www.jiayikitchenwares.com
Power institutions compete for dominance, near-field payment promotion is slow
As communication operators, banks, UnionPay and other powerful institutions are competing for dominance, the near-field payment is therefore lacking in more unified and standardized programs and products, and the promotion progress is slow. In addition, due to the fact that the scale effect of this method has not yet appeared and the popularity still takes time, a group of banks are in a wait-and-see state.