The five major sects of the mobile payment industry have initially set aside fast money to explicitly abandon the individual user market.

As one of the important applications of mobile Internet and mobile e-commerce, mobile payment not only changes the traditional means of payment, but also profoundly changes the consumption pattern of the public. The “Twelfth Five-Year Development Plan for E-Commerce” requires the development and popularization of mobile payment national standards, and accelerates the demonstration and popularization of mobile e-commerce applications such as mobile payment, bus ticket purchase, public utility payment and supermarket shopping.

According to a report released by Analysys think tank, in the next three years, in the mobile payment market, with the agreement on standards and the development of remote payment driven by mobile e-commerce, the development of mobile payment market will be greatly accelerated. It is expected that China will be 2015. The mobile [microblogging] payment transaction will reach 712.3 billion yuan. At the same time, 101 brand-name companies faced the attractive "cake" of the mobile payment market, and they also accelerated the speed of industrial layout. Their mobile payment strategies became clearer and clear, and the "five major sects" have already begun to emerge.

Mobile payment five sects are beginning to emerge

At present, the global mobile payment industry can be basically divided into five camps: contact at POS (sales at POS, pay for POS, such as Google Wallet), mobile cash registers (sales as pos, turn mobile devices into POS machines). Such as Square), integrated mobile payment platform (PayPal, fast money), mobile phone bill (virtual digital account PaymentOne), self-built closed platform (Starbucks).

In an interview, fast money CEO Guan Guoguang said that compared with relatively mature payment methods such as Internet payment, there is no special threshold for mobile payment, nor is it a bottleneck for mobile commerce. The key is to drive business transactions and applications.

As a typical representative of the integrated mobile payment platform, from the perspective of pragmatism, Quick Money is the first to complete the strategic layout in the field of mobile payment for the existing needs of merchants. In September last year, Quick Money launched the new payment platform “Quick+” and a new generation of mobile payment strategy based on the platform. At present, Fast Money has formed a complete mobile payment product matrix including mobile phone voice payment, WAP gateway payment, InAPP, and quick brush, which fully meets the various mobile payment needs of merchants.

“Which merchants want to get what kind of application, fast money can help merchants to complete what kind of application. The fast money mobile payment concept is comprehensive, pragmatic, covering the existing needs of merchants, and really helping the development of merchants' exhibition industry,” Guan Guoguang said.

Mobile payment needs to meet the needs of merchants

According to the research of Analysys think tank, in the past two years, with the rapid development of the US “square” card reader with mobile phone card reader as a typical product, domestic payment companies have begun to carry out corresponding product layout in the field of mobile payment. Since the second half of 2011, many domestic companies have participated in research and development similar to the Square technology field. Fast money, Lakara, music brushes, and box payment have successively launched mobile phone card reader products.

If divided by the target market, there are two main types of domestic card readers: one is for individual users represented by Lakara, music brush, and box payment; the other is for enterprise customers represented by fast money. "Compatibility between individuals and enterprises is more difficult. Our customers are enterprises. This is what we insisted on in our past practice, very clear," Guan Guoguang said. Unlike personal applications, the needs of enterprise applications are relatively complex.

However, unlike the US square, the current domestic mobile phone card readers stay in the product itself, and there are only a handful of solutions. Some people pointed out that China's mobile payment is in a state of technology-leading market, and actual large-scale commercial applications are still rare. In contrast, the fast-moving “quick brush” targeting the company is one step ahead, achieving the first commercial application of Square products in China. It is reported that five insurance companies, such as Sunshine, Cheonan and Anwar, have signed up with fast money and will lay nearly 10,000 “quick brushes” across the country for mobile exhibitions.

“Fast money will also have more remote and on-site payment and value-added applications based on mobile interaction, mobile sensing, mobile computing, mobile networks to meet the existing needs of merchants. In addition, fast money will be linked to banks, UnionPay, operations. Business partners, terminal equipment manufacturers and other partners to build a complete mobile payment ecosystem," Guan Guoguang said.

Analysys expects that from the layout of fast money in the mobile payment market, fast money is expected to take the lead in creating China's "square".

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