Use mobile payment to promote real-name train ticket sales application cases
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1 Introduction
Mobile payment refers to the use of SMS, Bluetooth, infrared, radio frequency technology (RFID) and other non-contact methods to achieve mobile payment means, allowing users to use their mobile terminals to pay for goods or services consumed. Way. The mobile terminal used for mobile payment can be a mobile phone, a palmtop computer, and so on.
With the improvement of 3G networks and mobile phone terminals, more and more functions are carried by mobile phones. SIM cards have achieved unprecedented improvements in speed, storage, and recognition capabilities. The use of SIM cards can realize various consumer transaction functions. At present, real-name ticket sales are implemented by EMUs. Passengers can purchase real-name train tickets with 20 kinds of certificates such as first or second-generation ID cards. Real-name ticket sales play a very important role in combating scalpers and achieving fairness and justice in ticket purchases. However, the real-name system requires passengers to carry relevant documents for purchasing, boarding, refunding, purchasing tickets, etc. This will undoubtedly bring inconvenience to passengers, especially if the documents are lost or stolen, the problem will be more troublesome. The wallet function of mobile payment, especially the promotion of real-name ticket sales of trains through the real-name system of mobile phones, is not only convenient for passengers, but also brings great convenience to the ticketing work of trains, and its development prospects are very broad.
At present, mobile payment mainly has two payment methods, near-field and remote. Mobile near-field payment refers to a payment method realized through the electromagnetic induction coupling method of the radio frequency part, and a payment method evolved from the integration of non-contact radio frequency identification (RFID) and interconnection technology. This is like the barcode used in supermarket shopping, but RFID is more advanced than barcode in that it can be read even if it is not aligned. For example, the electronic toll card that is now being promoted at expressway toll stations has an embedded RFID, and the card is placed near the front window of the car. When the car passes through the dedicated lane, the roadside wireless device (that is, the electronic toll card reader) , It will automatically read the balance in the electronic toll card and make changes. Integrate the electronic tag with the “wallet” function with the SIM card of the mobile phone, and the mobile phone has the function of a wallet. Consumers can use the mobile phone as a payment tool to ride subways and buses with the mobile phone. At the same time, you can also use your mobile phone to swipe your card on the POS machine at the station to buy train tickets.
Many foreign countries have conducted experiments on the application of near-field payment technology, laying a good foundation for technological improvement and application promotion. For example, the Paris bus and subway system in France adopts near-field communication technology, which realizes the purchase of tickets and deductions on mobile phones. , And launched a commercial version of SAGEM non-contact mobile phone terminal and corresponding SIM card; China has also carried out NFC-based short-range communication mobile phone identity authentication and electronic payment field trials in Shanghai, Xiamen, Chongqing, and Wuhan.
Mobile remote payment refers to a payment method in which transactions are carried out through the operator’s network, using mobile phones for online payment, WAP payment, or SMS collection. You don’t need to swipe your mobile phone to pay fees, but use the payment software pre-loaded in your mobile phone and an opened mobile payment account to pay. It is understood that the mobile phone remote payment business is mainly developed and truly profitable. After years of development, many third-party payment companies, such as Alipay, Tenpay, Qiandai, etc., have developed relatively mature business models for mobile remote payment. At the same time, with the continuous maturity of technology, far-field payment will gradually converge to online payment, the operation will become more convenient, and the applicable coverage will become wider and wider.
In summary, mobile payment has already had bold attempts and applications, whether in near-field payment or remote payment. On this basis, the railway can strengthen cooperation with financial institutions and mobile operators. In this way, it will be possible to realize real-name ticket sales of trains through mobile payment through technology grafting and strong alliances.
2 Advantages of mobile payment
As an emerging payment method, mobile payment has the following advantages compared with other payment methods:
2.1 Use a mobile phone as a payment tool, no need to carry a smart card
As a communication tool that people often use and carry with them, using it to pay can make people carry less or no cash, transportation cards, bank cards, etc. when going out, but directly use the pre-stored phone bills or Mobile payment account for payment. To purchase real-name train tickets using a mobile phone, you only need to upgrade the ticketing system and the original POS machine at the station, and connect it to the database of the public security identity authentication system, and you can swipe your mobile phone to purchase real-name train tickets. At the same time, you can also use the advantages of mobile Internet access to realize ticket booking and door-to-door service, which improves the speed of passenger ticket purchases and facilitates people’s lives.
2.2 Accurate and rapid response to ticket amount and seat information, convenient for passengers to purchase tickets
Using the mobile phone’s near-field payment and Internet functions can quickly provide ticket amount and seat information, accurately display the level of seats and ticket balances of each train, which not only improves the autonomy of passengers, facilitates the travel of passengers, but also creates the off-season transportation of railways. In order to achieve higher efficiency, the probability of occurrence of empty seats is reduced.
2.3 Reduce workload and speed up ticket sales
After real-name ticket sales are implemented for EMUs, if the passenger’s name and ID number are entered and checked during ticket sales, it will increase the pressure of queuing to buy tickets. With the payment function of the mobile phone, passengers only need to use the mobile phone to surf the Internet or directly swipe their card to realize the passenger’s identity authentication and automatic deduction of expenses. There is no need to change or carry cash. This not only greatly facilitates the real-name ticket purchase of passengers, but also reduces The waiting time of passengers in the rush hour also greatly reduces the burden on the conductor and improves the information level of railway ticket sales.
3 Disadvantages of mobile payment
While mobile payment brings great convenience to everyone, there are also the following problems:
3.1 The competition of the interests of all parties needs to be balanced
There is still a certain distance for the railway department to use mobile payment to purchase real-name tickets, because mobile payment requires the cooperation of all parties, and the current inconsistency of mobile payment standards (mainly near-field payment standards) has caused a lot of related promotion work difficulty. The formulation of mobile payment standards has been going on for more than three years, mainly due to the competition between UnionPay and China Mobile. Among them, China Mobile, China Unicom, China Telecom and other three major telecom operators, known as the “Four King Kong” of mobile payment, and China UnionPay have fully intervened in the development of mobile payment services, and are all stepping up their deployment to seize their respective Market. The competition for the interests of all parties has restricted the development of mobile payment to some extent. The mobile payment industry chain is huge and the interest relationship is complex. It is an industry that takes a long time to mature. This is also an important reason that restricts mobile payment from entering real-name train ticket purchases.
3.2 Technical realization needs to be improved
Currently, among the two payment methods of near-field and remote, mobile payment is relatively mature and rapidly developing is remote payment based on mobile Internet technology. Mobile phone near-field payment not only involves complicated programs such as modifying mobile phones, customizing mobile phones, or reinstalling SIM cards with payment functions, but also the technical incompatibility of various operators. At present, in addition to the above-mentioned “Four King Kong”, the mobile payment business in China also includes third-party payment operators such as Shanghai Jety Bank and Alipay. These companies have launched mobile payment based on their own technologies, most of which are independent and incompatible with each other, which makes it very inconvenient for passengers to use. For example, users who have activated the mobile payment function in China Mobile can only use the POS machines installed by China Mobile to pay with their cards, but not on the card machines installed by China Unicom.
In addition, there is a big difference between real-name train ticket sales and general commodity payment. Popular ticket resources are limited, especially during the Spring Festival, if multiple people buy the same ticket at the same time, how to deal with and send the problem, how to realize the ticket information of the passenger ticket system and the station The real-time update of the ticket vending machine, timely response to the number of trains, ticket types and balances, requires a big improvement in technical realization.
3.3 Passengers have doubts about the security of mobile payment
At present, most products of near-field payment still have defects in security. Once the mobile phone is lost, the mobile wallet with payment function in the mobile phone will also be lost. Of course, it is theoretically possible to implement identity verification by adding a voice and fingerprint recognition system to the mobile phone, but this also increases the research and development costs and increases the cost of use. The remote payment of mobile phones is mainly carried out through the network. During the payment period, the account number and capital information of the passenger must be transmitted through the network. If the network is attacked or the network is paralyzed, it will cause immeasurable losses to the passenger’s property safety.
4 solution
4.1 Strengthen cooperation between railways, UnionPay and mobile operators
Make full use of the competition of all parties to sign medium and long-term real-name ticket purchase cooperation agreements with UnionPay and mobile operators, so that the design of mobile payment products can be improved. At the same time, it can also realize the sharing of technical resources, which is conducive to the complementary advantages of railways, UnionPay and mobile operators.
China UnionPay has the most complete fund clearing system and is developing very rapidly in the field of mobile payment, which is very likely to dominate the future of China’s mobile payment industry. In 2010, China UnionPay, in conjunction with commercial banks, mobile communication operators, mobile phone manufacturers and other parties, established the mobile payment industry alliance and jointly established my country’s mobile payment standards and business models with independent intellectual property rights, and launched it in seven provinces Pilot UnionPay smart card mobile payment business. The two major telecom operators, China Unicom and China Telecom, have also chosen to adopt China UnionPay’s technical standards for near-field mobile payment services, and have cooperated with China UnionPay. The railway department can cooperate with UnionPay to jointly promote the real-name system of mobile phone numbers and realize the resource sharing of mobile technology, so that mobile phone payment can be used to promote real-name train ticket sales.
As for China Mobile, it invested in Shanghai Pudong Development Bank last year. In the third quarter of this year, the first crystallization of the two parties-the mobile payment platform will be launched nationwide. The user does not need to change the mobile phone and number, as long as a platform is installed on the original mobile phone, the mobile phone can have the same payment function as a bank card.
4.2 Speed up the technological innovation of the railway itself and promote the implementation of the real-name ticket sales system
Now the EMU has begun to implement real-name ticket sales. The ticket window can automatically identify the passenger’s second-generation ID card with an ID card. In the future, the mobile phone payment platform can be used directly at the ticket gate instead of cash to pay for the ticket. At the same time, as long as the station is equipped with a non-contact reader on the existing POS machine, it can realize the “swipe card” ticket purchase of mobile payment. Fortunately, the Beijing-Tianjin intercity and Beijing-Shanghai high-speed rail have begun to implement online ticket sales. Passengers can purchase high-speed rail e-tickets online through electronic payment according to relevant instructions on the website. Passengers who use the second-generation resident ID card to purchase online tickets can no longer exchange for paper tickets, and can enter, board, and exit the station with the second-generation resident ID card. Through the railway’s own technological innovation, the integration of resources within the railway is realized, and full preparations are made for the real-name train ticket sales of mobile payment.
4.3 Strengthen the promotion of mobile payment
Using mobile phones to purchase real-name train tickets, people will have a cognitive process to accept it. First of all, many travelers consider security issues for mobile payment. How to eliminate users’ concerns requires a lot of publicity. In order to prevent the loss and robbing of mobile phones and other unsafe factors that may cause losses to passengers, we can set a maximum consumption limit for mobile wallets to provide effective protection for the safety of passengers’ property. The second is to increase the promotion of mobile payment through marketing methods such as subsidies, gifts, discounts, etc. to attract tourists. The last is to simplify the use of mobile payment to make it simpler, more user-friendly, more convenient and easy to implement. In this way, passengers will surely be recognized, and real-name train ticket purchases with mobile payment can be realized.
4.4 Pilot operation and gradual progress
It is a long-term process to use mobile payment to purchase real-name train tickets. It can be piloted on the passenger dedicated line first, and gradually advance, find problems in the operation, and continuously improve the real-name ticket sales of mobile payment. The implementation of steps should be segmented, implementation content diversified, first incentives, then mandatory, the implementation of the initial implementation of the line can be divided, and the number of trains can be divided, and as the conditions mature and perfect, comprehensive mandatory promotion will be carried out.
5 Outlook
The Spring Festival Transport Railway has transported more than 200 million passengers. With the opening of the Beijing-Shanghai high-speed railway, the passenger traffic volume of the railway will reach a new level this year. This is a great business opportunity for operators developing mobile payment. We must first promote the development of real-name ticket sales within the railway and the integration and innovation of technology. At the same time, we must also accelerate the cooperation between the railway, UnionPay and mobile operators, so that the mobile phone chip integrates passenger ID numbers and electronic wallet functions. With the continuous development of 3G networks, the near-field and remote payment capabilities of mobile phones will continue to be enhanced. On this basis, it is entirely possible to use mobile phones to swipe cards and surf the Internet to realize real-name ticket sales of trains.
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