China Mobile suspended its 2.4GHz standard mobile payment service, which was replaced by the 13.56MHz standard. The RF-SIM card solution using the 2.4GHz standard has been put on hold, and will not be completely abandoned for the time being, but at least it will not have much action in the last two years. At present, China Mobile's mobile payment service will mainly be 13.56MHz. This news caused a lot of turmoil in the industry, and various arguments came one after another.
Why is the 2.4GHz standard difficult to continue?
Previously, China Mobile has been preparing for both the 2.4GHz and 13.56MHz standards, and both standards have been put into practical use in the pilot area, but the industry has always believed that China Mobile will push the 2.4G standard because this standard is from China. The move was first proposed. In addition, China Mobile has also signed exclusive cooperation agreements with National Technology, Ubiquitous and Direct Communications. The three companies can only cooperate with China Mobile in mobile payment, which also reveals some intentions of China Mobile to control the mobile payment industry chain. . And now why suddenly stop the 2.4GHz standard RF-SIM solution, for what reason?
The life cycle of a technical solution depends not only on the pros and cons of the technology itself, but also the key factors for its long-lasting vitality is whether it can be widely accepted by the market and whether it can be industrialized more quickly.
First, we analyze from the perspective of the market. With the 2.4GHz standard RF-SIM full card solution, users can use existing mobile phones, and only need to replace one RF-SIM card to realize the mobile phone payment function. This seems to save the cost of replacing or remodeling the mobile phone for users. However, there are still some disadvantages in use. For example, the power consumption of the RF-SIM card is too high, and the power-down working mode is not supported. For Bluetooth, WiFi, etc. There are potential electromagnetic interferences, etc. As it turns out, the RF-SIM card has experienced interference with existing bus payment systems in the application of the Shanghai Metro.
On the other hand, as the three major telecommunications operators have stepped up their mobile payment services in the field of contactless card applications such as transportation, finance, social security, and fueling, these payment terminals basically adopt the frequency of 13.56MHz, and if they want to continue to promote in these areas, The 2.4GHz frequency RF-SIM solution faces the transformation problem of many terminal tools. It is necessary to embed a 2.4GHz dedicated module in the terminal, so that the security and stability of the terminal system itself, or the cost of the terminal equipment. Will have a greater impact. In contrast, the 13.56 MHz standard mobile payment technology has greater compatibility with existing payment terminals in various fields.
Secondly, we analyze whether the 2.4GHz standard mobile payment technology is easy to scale and industrialize. In the domestic mobile payment industry chain, the main downstream participants include communication operators, mobile phone manufacturers, banks, buses or card companies. Compared with other forces, the communication operator is only a new entrant to the payment industry, but it is precisely this new force that has a lot of ambitions for the payment industry. Mobile wallet is more than just a payment tool. Communication operators are more eager to find new growth points by increasing user dependence and providing business models by providing payment services for users. Through the close integration of payment settlement and mobile value-added, communication operators will dominate the entire mobile payment industry chain. The 2.4GHz standard mobile payment technology has actually formed an independent payment system after completing the transformation of the existing payment terminal system. Regardless of the mutual interference problems that may exist with the original system, the user's habit of paying for the mobile phone payment method alone has already constituted a competitive threat to the existing city card and financial payment system. Taking the city card as an example, Tongka is also actively expanding its cooperation business to broaden the payment field.
The combination of a card and a mobile phone is to actively seize the "highland" of mobile payment. The card company will not watch other participants control the industrial chain and threaten its own development. Therefore, in order to take the industrialization development, communication operators must cooperate with other multi-party forces downstream of the industry chain, and the technology and operation mode of the 2.4GHz standard make these merchants have to be cautiously faced with the cooperation invitation of communication operators.
In addition, in terms of cost, the cost of replacing a SIM card with the 2.4GHz GHz RF-SIM full-card solution is about 100 yuan. If large-scale replacement can be realized, the cost may be further reduced. For China Mobile, the cost of this transformation is Can withstand the range. However, the transformation of consumer terminals will face greater difficulties. It is estimated that if you plan to develop 1 million mobile wallet users in a certain place, the physical transformation cost of only the consumer terminal will be hundreds of millions of yuan, and the channel cost of opening stores, supermarkets, stores, cinemas, and bus companies is not included. Inside.
It can be seen that the road to industrialization of mobile payment technology using the 2.4GHz standard is not optimistic. Under the market economic system, the survival and development of any technology and products should follow the laws of the market economy and be guided by market demand. The “big male†of one party is often difficult to achieve in the end. The game of cooperation and competition between the horizontal and vertical forces of the industrial chain will continue forever.
The market needs to be standardized, and the standards need to be unified.
No matter whether it is 2.4GHz or 13.56MHz, there are no relevant standards for mobile payment cards and terminal equipment. For example, field strength, EMC radiation interference, reading and writing time, reading and writing distance, etc. can not be carried out under standard basis. product testing. Since mobile payment involves both information security such as personal privacy and account security for transaction payment, strict standards should be defined for all aspects of product performance. As Director Zhang Qi of the National Gold Card Coordination Leading Group said, “Mobile payment standards must be unified, and they must adhere to their own standards. At the same time, they must adhere to openness and compatibility, because interconnection and resource sharing should be realized in the process of global integration.†The Chinese government and relevant departments have been paying attention to the standardization and standardization of mobile payment. The Ministry of Housing and Urban-Rural Development recently approved the design, acceptance and testing of mobile payment systems in the national standards for the “Technical Specifications for Urban Construction Smart Card System Engineeringâ€. Detailed regulations and descriptions. In addition, the White Paper Mobile Payment Application White Paper, which guides mobile payment in the field of housing and urban and rural construction, will also be officially announced in early July. It is believed that the introduction of these standards and guidelines will play a very good regulatory role for China's mobile payment industry.
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