Just see the message: China Mobile have been identified in Hunan, Shanghai, Chongqing, Guangdong, four pilot provinces and cities in mobile micro-payment business, the next four provinces only, and mobile users signed a contract mobile payment function can be realized, which provides for the common people a great convenience, if not after the computer next to the phone can also be used to complete the payment operation. However, not a pilot, Jiangsu Mobile, I am very sorry, can not be the first trial users, but I am still very bullish on mobile payment, this is the real application of 3G, but not a cell phone watch mobile TV and watch movies, Screen Call sort of gimmick.

Pilot micro-payment can be doing?

The face of mobile payment, the three operators focus is on how to provide users with more value-added services. Analysys International report, in 2009 China’s mobile payment market will reach 1.974 billion yuan, mobile payment user scale will reach 8250 million. Domestic mobile payment business models established and mature market environment, will be in stock and huge market potential to accelerate the process.

The pilot mobile phone, you can take a particular line of a bus in Changsha, in the McDonald’s to buy food, you can also buy movie tickets. If the user needs in the future by entering the password can even larger amount of consumption, more secure than carrying cash. Before that, China Mobile announced during the World Expo in Shanghai next year to launch mobile phone ticket service, which means users only need to change a chip with an NFC-enabled mobile phone SIM card, you can pay via mobile phone mode, enter the Expo visit.

Businesses should be strengthened and the cooperation and competition similar to 3G, operators are the most active market factor, but more complex than the 3G market is that operators face in the mobile payment market but also to financial institutions, shops compete. Some years ago, China Mobile will set up a joint venture with CUP to resolve the cell phone linkage Advantage payment, business coverage, including air tickets, movie tickets, theater tickets, lottery tickets, insurance and other services. China Unicom is China Construction Bank in 2004, jointly launched the “Magic Collection” mobile phone wallet, and with more than 30 mobile support enterprises cooperation. Payment from the Japanese mobile phone market experience, operators must increase the breadth of cooperation with the business.

Users of the mobile payment mobile payment questions are listed below for users of doubt, I do not think what the problem is:

1, Q: security – now has a very commonplace to steal mobile phones, mobile phone cards can be stolen again after the payment can be arbitrary. A: The phone does not need to pay a small payment password, large-value payment only need a password. Even if the thief, and also not take much. And keep up the opening of the service customer data binding, that were stolen, and can immediately disable the swap, and then replaced for.

2, Q: or security – because it is wireless technology, no password, so can a variety of ways to plan your money away, maybe a person to walk past you and his reader put you Kari money transfer to go. Even with the password is not insurance, because the reader can automatically exhaustive password, as long as you stay long enough, the password will always be tempted out. A: The first part of this problem with a similar problem. As for the test code reader, it is not possible because the password is the ciphertext through the air protocol for transmission check, no key password is not obtained.

3 Q: convenience – now the technology is not to be RFID SIM card, but attached to the top, leading to replacement of SIM card chips easy to peel when. A: The current technology is to make the SIM card inside the RF, but also the integration of the security chip, unless you are a chip supplier, or break is not possible.

With the opening of mobile phone payment pilot, mobile payment services are gradually becoming the new trend of value-added services, which is the current consumption patterns of the great innovation for the end user’s life easy and quick consumption. However, existing mobile payment business model also can not be recognized by users, most of the users or security nature of the future road in need of solving the problem Huanyou many.

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