The financial IC card has a multi-application loading platform, which can enrich the bank card product series and become an important technical means for commercial banking business innovation. Commercial banks are actively exploring the application direction of financial IC cards suitable for the development of the Bank. For example, ICBC issues Peony Traffic IC Card, Bank of Communications issues Expo IC card, financial IC card for VIP customers, and financial IC card for mobile payment. The mobile phone financial IC card launched by BOC, Tianyi Great Wall Card, is a payment business innovation that uses financial IC cards for mobile payment.
Tianyi Great Wall Card is the first domestic financial mobile payment card containing 3G communication and UnionPay standard jointly launched by Bank of China and China Telecom. This card is loaded with a "e-wallet" account that meets the standards for Chinese financial industry chip cartoons in the telecom mobile phone card. The citizen who owns this mobile payment card is equivalent to building a comprehensive platform for mobile communication and "e-wallet" transactions on his mobile phone terminal. You can use the mobile phone terminal to enjoy convenient services such as recharge payment, consumer payment, 3G communication and anytime. . “Tianyi Great Wall Card aggregates the resource advantages of the two major fields of finance and telecommunications, and creates a portable platform for mobile communication and electronic payment for customers. It applies the latest technology of mobile payment to many fields related to national economy and people's livelihood.†Bank of China Deputy Governor Zhu Shumin said at the launch ceremony of the Tianyi Great Wall Card.
The advantages of mobile financial IC cards in terms of convenience, security and GM will have a positive impact on the development of mobile payment and financial industry, and promote the development of technology financial services in a far-reaching way. At present, Tianyi Great Wall Card can not only freely use credit card consumption in more than 7,000 merchants and nearly 20,000 pos machines in Ningbo, but also can be used smoothly in 125 lines and more than 1,300 buses of Ningbo Public Transport Corporation.
Nowadays, mobile phones have become the most widely used communication tool. The financial IC card is embedded in mobile phone cards, and the form of convenient payment for mobile phones has great potential for development. However, despite the huge potential of the mobile payment market, the inconsistency of mobile payment standards has become the biggest obstacle to the development of mobile payment. The existence of multiple technical standards and the lack of uniform and clear business rules are not conducive to the development of mobile payment services and market development, and may cause waste of social resources in the field of mobile payment in the future. At present, there are two main domestic mobile payment standards: 13.56MHz standard and 2.4GHz standard. According to industry insiders, the 13.56MHz standard and the 2.45GHz standard have their own advantages and disadvantages in terms of technology implementation, payment security, and user experience. For banks, security is very important, and the safety factor of 13.56MHz is higher than 2.4GHz. But for closed environments, such as group users and campus users, 2.4GHz is more applicable.
In the Tianyi Great Wall Card, the partner China Telecom adopted the technical plan of 13.56MHz standard, and expressed that as the leading and target solution for the deployment of Wing Payment and Wing Machinery, the eNFC solution was determined as the final solution. This will facilitate the unification of mobile payment standards. Now the People's Bank of China is working with the Ministry of Industry and Information Technology to study mobile payment technology standards. Commercial banks, China UnionPay and telecom operators are also actively exploring the implementation of mobile payment applications, and mobile payment applications will be on the rise.
At present, China has more than 800 million mobile phone users, and is the world's largest mobile phone user country. Mobile phone payment has become another potential market after card payment and network payment. The promotion of financial IC card applications brings new opportunities for mobile payment. Mobile payment methods are diverse, but in the field of small-scale fast payment, it is quite unique. It is mainly convenient, portable, safe and efficient. A new generation of mobile payments will also promote the development of financial IC cards.
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