Smart Card in China after years of development, from the application point of view, three trends are now showing, one smart card in the country continued to show vigorous growth and start from urban to rural penetration, the second is used in smart cards to the real "more than one card with a" glue stick direction to continue into the third, smart cards, "a multi-purpose card" is gradually to the "mobile payment" to side.
As many smart card manufacturers and related organizations generally optimistic about the mobile payments,glue gun mobile payments and developed around the smart card technology in the recent period, the industry's hot spots. One general concern by the public mainly NFC, SIMPASS, RESIM, such as several relatively mature technology. Developers of these technologies will undoubtedly want to pay in China's mobile market share for the major in order to establish themselves in China's mobile payment technology leader on the market, but the reality is cruel, faces intense competition, not each Bit developers are able to achieve leadership position, then the peak after a fierce fight, who will eventually want to rule the roost in the Chinese mobile payment market? Below we will take this issue related to technology and its developers for eleven analysis.
Was first used in cell phone technology is the NFC mobile payment technologies, NFC is the abbreviation of the English NearFieldCommunication (NFC, said the technology used below), the Chinese meaning is short-range wireless communications technology.
NFC by Philips and Sony jointly developed a contactless identification and interconnection technology, mobile devices, consumer electronics, PC and smart controls short-range wireless communication between tools. The technology provides a simple, touch-based solution that is simple and intuitive for consumers to exchange information, access content and services. From a technical point of view, NFC will be a contactless reader, a contactless card and peer to peer (Peer-to-Peer) functionality into a single chip, this is an open interface platform for fast wireless network can take the initiative setting, but also a virtual connector service to existing cellular networks, Bluetooth and wireless 802.11 devices. In order to promote the development and popularity of NFC, Philips, Sony and Nokia have created a non-profit trade association - NFC Forum, and promote implementation and standardization of NFC technology to ensure collaboration between the equipment and services. Currently, NFC Forum in the world with more than 70 members, one of the more well-known international enterprises MasterCard International, Matsushita Electric Industrial Co., Ltd., Microsoft, Motorola, NEC, Renesas Technology, Samsung, Texas Instruments Manufacturing Company and Visa International. On their team, without doubt, the support of NFC technology team is huge.
August 2007, Nokia has also developed a built-in NFC Nokia 6131i mobile phone chips, including Beijing, Xiamen, Guangzhou, including several cities on sale. The phone can be pre-downloaded a municipal transportation systems that use the transportation card, use the phone, users simply open a prepaid account can buy tickets and, in some shopping.
From the above information combined with Western technology in the previous marketing experience in China, NFC mobile payment market in China has made leadership seems to be yes, but the reality and the ideal, after all, there is a big gap between the development of NFC mobile phone Nokia 6131i listed, and not caused the expected sensation in the Chinese market more than three years of efforts to promote, should the the the. Some people think that the main reason is China's mobile payment market is not mature actions, and this view has its rationality, but I think that, except for China's mobile payment market is not mature enough, there are some other reasons, first of all, NFC technology Western enterprises have intellectual property rights of technology, and in recent years, Western companies on intellectual property rights of Chinese companies accused of and the fight against the minds of the Chinese people left a huge shadow, but also to the Chinese Government are deeply troubling, if present intellectual property rights to a technology full of Western China's huge mobile payment market is obviously not acceptable to most Chinese people; Second, technically speaking, the use of NFC technology requires a special phone, if the mobile payment in China large-scale use of NFC technology market, it means for China's seven hundred million (August 2009 The latest statistics of China) to replace all mobile phone users, to achieve such a large "project" appears to be some unlikely, so the Nokia NFC phone in China fell silent on the market is expected to promote things. China wants to be successful in a major event, more meticulous and opportune, NFC mobile payment market starting to carry the prestige, can be described as possession of days, but the Chinese since ancient times, say, days as location, location in a share of the market does not want a leadership position is clearly not possible.
The second landing in China market of mobile payment technology is developed by Beijing Watchdata SIMpass technology, SIMpass technology combines DI SIM card technology and card technology, also known as dual-interface SIM card. The technology supports both contact and contactless interfaces work, the contact interface to achieve SIM features contactless payment feature to achieve the interface, compatible with multiple smart card applications specifications. Using SIMpass technology, the wireless communication network and corresponding mobile payment platform to support business services, carry out various field-based mobile phone payment services. SIMpass the user simply uses the consumer terminal in the corresponding bit before the command, you can safely and easily complete the payment process. This is the Chinese enterprises with independent intellectual property rights of the first smart card for mobile payment technology, in order to solve the SIMpass running on the phone non-contact RF antenna required for the interface layout problem, two solutions designed Watchdata: custom cell phone programs and low-cost antenna assembly program. Custom cell phone plan cell phone battery or the motherboard through the transformation of the antenna in the battery or the motherboard layout and design of the antenna on the motherboard and the card antenna connection contacts pathway. Such programs enable non-contact applications and mobile phone integrated, stable and reliable. The disadvantage is the need to design a dedicated mobile phone, users wishing to use the mobile payment to mobile phones need to be replaced, making the application and popularization of higher costs and may hinder the mobile payment system. NFC SIMpassS here the same problem encountered is the need to achieve a special mobile phone to pay. There is also a low-cost antenna assembly program, the transformation of mobile phones without the antenna directly connected with the SIMpass for SIMPASS provide RF signals. This program has cost the antenna assembly, the advantages of mobile phone users do not need replacement, application and promotion in favor SIMpass. However, the inadequacy of this approach is that the antenna need to be considered a reliable connection; need to consider the electrical characteristics of the antenna SIMpass meet the work requirements also need to consider increasing the portability of mobile phone antenna, after the impact. Obviously, SIMpass compared with the NFC is a certain advantage, and cut the technology development companies and the smart card industry in China have an influence on the enterprise, but the technology if a large-scale promotion in the mobile payments market is still unable to escape the NFC difficulties encountered, compared with the NFC technology SIMpass has favorable conditions for the right place, but by the understanding that people in the industry, SIMpass technology is not particularly favored by mobile operators, which makes the technology of mobile payment market in China promotion and missing a very important condition, then the right place and the lack of a possessive and technology like mobile payments in the massive Chinese market leadership position is clearly unlikely.
A third mobile payment market in China, emerging technologies is RF-SIM, RF-SIM is a SIM card based near / medium range wireless communications technology, which also belongs to NFC is a short-range wireless communications, it RF RF function will have embedded in the SIM card module, use the 2.4G microwave frequencies for data communications. RF-SIM technology is basically regarded as mobile operators and technology research and development collaboration vendor products, it is learned RF-SIM technology provided by the Hong Kong Telecom R & D and through amendments to the technical parameters of the test is a mobile operator to complete. Comparison from the current popular view of the kinds of China mobile technology in July this year, China Mobile has been in Hunan, Shanghai, Chongqing and Guangdong provinces and the pilot of the technology through mobile micro-payment business, technical and operational programs are basically complete. It is understood that only the next four provinces and mobile users signed a contract to implement mobile payment capabilities. The balance is exhausted, you can open hall, log in mobile phone banking Web site or recharge. But after all RF-SIM is currently at the early stages of development, and China is still no national standards for RFID technology and communications industry standards, and now RF-SIM card for the test is only starting from the functional testing. Although this RF-SIM technology let us hope, and most importantly, RF-SIM has made recognition of China Mobile, we all know, China Mobile, the country has hundreds of millions of mobile users, China Mobile's support for the promotion of RF-SIM will have NFC, SIMPASS do not have the powerful advantage. Therefore RF-SIM technology from the current point of view is the most promising market, China's mobile payment technology "hero".
Remove the three mobile payment smart card technology, there are still a number of other programs, such as Shanghai Kun Rui Electronic Technology, Inc. QSIM program, with the side of Microelectronics, Shanghai COS Software PMD, ICOS-SIM solutions, these programs are also have their own advantages, but also has its shortcomings. These technologies are talking about with the above techniques focus on significant disadvantage compared to the current, limited space, not repeat them.
So we can now conclude RF-SIM will eventually dominating China's huge mobile payment market? The author believes that the current is still too early to conclude, because the whole point of view because of the benefits of the game and the standard to be determined, the various smart card technology in China the development of mobile payment market, there is still great uncertainty, and even if the relevant standards determined from the Government's perspective, must take into account the interests of all aspects, and in order to maintain "anti-monopoly law", the Government is unlikely to make a single large, rapid development in the future, China may be on the market of mobile payment, smart card technology is more likely a "Hundred Flowers" scene.