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1. Project background
In the lives of modern people, mobile phones have become an indispensable tool in people’s lives. The rapid development of non-contact technology, the combination of non-contact technology and mobile communication technology, mobile payment tools based on mobile phones, let people see new hope for mobile payment. Now, the mobile payment method realized by mobile phone has become the mobile payment method closest to people’s daily use and consumption habits.
At the same time, in order to promote the multi-purpose and multimedia development of mobile phones, vigorously promote industry terminal applications based on the MAS/ADC two types of models; the Xiamen branch actively explores various industry terminals in mobile e-commerce and key industry information based on local actual conditions Innovative applications in terms of technology, dedicated to building an efficient, multi-application mobile information interaction and mobile payment system, so that Xiamen mobile users “one machine in hand. No worries about everything”!
After the preliminary market research and analysis, it was found that the SIMpass card (dual interface card with SIM card function and smart card function with non-contact interface) provided by Beijing Watchdata System is mature in technology, easy to operate, and widely used. The project is in line with the city of Xiamen The combination of business applications such as “e-pass card” and “campus all-in-one card” has a bright future. In the future, mobile phones equipped with Xiamen Mobile SIMpass cards will have multiple functions such as bus cards, bank cards, mobile phone cards, corporate management cards, etc. Customers only need to bring their mobile phones to conduct small consumption, identity recognition, corporate access control, and attendance check-in. And other applications.
2. Project overview
This project uses the dual-interface SIMpass card provided by Beijing Watchdata System Co., Ltd. as the carrier. The card supports GSM, OTA, People’s Bank of China PBOC and other related specifications, and can be directly installed in the SIM card holder of the mobile phone; and with the help of an external induction coil Realize the non-contact RFID radio frequency function, endow mobile phone identification, micropayment, air storage, data collection and other functions. As an ideal medium for the perfect combination of mobile clients and industry application terminals, SIMpass cards will be widely used in management innovation and informatization construction in banking, education, transportation, logistics, retail and other industries, and will become the combination of industry applications and mobile communication systems in the future. New highlights.
Xiamen Mobile has established a multi-win business cooperation model, uniting business partners with micropayment application platforms, financial industry management, application software and hardware development experience, and RFID card operation and maintenance experience to provide mobile electronics based on SIMpass technology for group customers and individual customers Mobile information services for business and key industries.
For details on the technical features and functions of SIMpass, please refer to Appendix 1 “Introduction to SIMpass Technology and Functions”
3. Product name
The mobile payment product based on SIMpass technology is named “mobile e-pass card”.
The logo uses the letters “M” and “E” as the basic design elements. Through clever deformation processing, it presents two arrows in the positive and negative directions, which precisely express the basic concept of “electronic payment” income and expenditure. This is a The process of interaction between consumers and merchants is a pleasant consumption experience. At the same time, the arrow also vividly expresses the accessibility and diversification of the “mobile e-pass card”.
The “E” processed by the three-dimensional effect highlights the modern and technological sense of the logo, and the color is contrasted with the moving standard blue and orange-yellow gradient, which increases the jumping sense of the logo and fully demonstrates the joy and harmony.
Four, project function introduction
This project uses the SIMpass dual-interface smart card as the information carrier, and combines the mobile phone with the Xiamen e-pass card to make the mobile phone change from a communication tool to a daily necessities. The specific functions are as follows:
(1) Mobile payment based on mobile phones: used in various places where Xiamen e-pass cards can be consumed, such as: buses, taxis, supermarkets, pastry shops, restaurants, movie theaters and other consumer places.
(2) Mobile phone-based identification: It is suitable for applications such as enterprise access control, enterprise attendance check-in, and small consumption in enterprises based on ID system.
(3) STK menu value-added services: Compared with the traditional e-pass card, the mobile e-pass card adds the STK menu support function. Through the mobile phone’s STK menu, functions such as the balance query of the e-pass card account and the consumption collection query can be easily realized .
(4) Recharge method: Mobile e-pass card supports two recharge methods:
1) Local recharge. The electronic wallet can be recharged through the non-contact function of the mobile e-pass card, which is the same as the current ordinary e-pass card recharge method.
2) Remote storage in the air. Set up a deduction account by binding your mobile phone number, bank account number and e-pass card account. You can use the “Wallet top-up” option in the STK menu of the mobile phone to realize the air-loading function via the ET-card air-loading platform and the designated bank. Recharge of e-wallet.
Five, realization method
At present, the card swiping terminals and application systems deployed in the Xiamen “e-pass card” system all support the contactless MiFare1 protocol, and the mobile e-pass card can be smoothly applied to the existing contactless smart card system.
The steps to realize the combination of mobile e-communication card and mobile informatization are as follows:
(1) Embed the mobile e-pass card into the Xiamen “e-pass card” system: adopt the “simulated MiFare1 physical card” method to simulate the M1 card function on the SIMpass dual-interface smart card, without the need to modify the existing “city e-pass card” to support M1 cards (Capacity 1K) system, only need the yitong card company to implant a set of keys originally used to implant ordinary RFID cards into the mobile e-pass card to encrypt, then the mobile e-pass card can be used in Xiamen “e-pass” Card” system. For details on the initialization process of the mobile e-pass card, please refer to appendix 1 “Instructions for the initialization process of the mobile e-pass card”
(2) STK menu development and access to the provincial company’s OTA platform: According to the actual application of the mobile e-pass card, “Industry Application” is added to the STK menu, and the “Yitong Card” menu is developed. In addition, in accordance with the equipment specifications and access standards of the OTA platform in China’s mobile industry, the “mobile e-communication card” will be connected to the OTA platform. For detailed instructions on using the STK menu of the mobile e-pass card, please refer to appendix 2 “Instructions for the STK mobile e-pass card”
(3) Established an air transfer platform with Xiamen Yitong Card and Xiamen Construction Bank: In order to solve the current problem of difficult e-pass card recharge, in the function of mobile e-pass card, the function of air transfer has been added. It is necessary for mobile e-pass card users to have a CCB account number, and after customizing and binding it with the user’s mobile phone number and e-pass card number at the designated branch of Xiamen Construction Bank, the user can use the mobile phone to transfer the information in the bank account anytime and anywhere. Transfer funds to the mobile e-pass card account. For the implementation plan of mobile e-pass card air loading function, please refer to appendix 3 “Mobile e-pass card loading implementation plan”
Sixth, business operation model
(1) Project cooperation and division of labor
The pilot project is a four-party cooperation between Xiamen Mobile Company, Xiamen Yitong Card Operation Co., Ltd., China Construction Bank Xiamen Branch (hereinafter referred to as “Xiamen Construction Bank”), and Beijing Watchdata System Co., Ltd. (hereinafter referred to as “Watch”). The specific division of labor is as follows:
1. Xiamen Mobile
① Integrate the advantageous resources of all parties, lead the positioning, naming, and development of products, and coordinate all parties to cooperate with the project operation.
② Formulate a “mobile e-pass card” platform development plan, and embed the “mobile e-pass card” business into the existing Xiamen e-pass card micro-payment system.
③ Formulate relevant business processes, including: card production, card issuance, card replacement, marketing and management processes.
④Provide business system support and card after-sales maintenance support.
2. Xiamen Yitong Card Operation Co., Ltd.
① Distribute e-pass card data for “Mobile e-pass card”, so that mobile e-pass card can adapt to all small consumption systems of Xiamen Yitong card, and cooperate in the future to complete the expansion of the number of mobile e-pass card applicable swiping terminals and Quality improvement and other aspects of work.
②Cooperate to complete the realization of the air loading function of the mobile e-communication card.
③Cooperate with the support to complete the after-sales maintenance of the mobile e-pass card
3. Xiamen Construction Bank
①Provide business and technical support for the realization of the mobile e-communication card’s air loading function.
4. Beijing Watchdata System Co., Ltd.
① Responsible for the production of mobile e-pass cards and provide “Card Making Instructions”;
②Provide descriptions of common and main faults of mobile e-pass cards and corresponding handling methods, and make “User Manual”;
③Responsible for the development of the STK menu of the mobile e-pass card and the technical development of the air transfer function;
④Provide free mobile e-pass card technology and maintenance training, and cooperate with the after-sales maintenance of the product after the product is officially commercialized.
(2) Description of partners’ income
1. Cooperation income of Xiamen Mobile
Card sales fee: 80 yuan/piece;
“Mobile e-pass card” product monthly function fee: 2 yuan/month/user.
2. Revenue from the cooperation with Xiamen Yitong Card Operation Co., Ltd.: share monthly function fees with Xiamen Mobile, the proportion of which is: Xiamen Mobile: Yitong Card = 5:5
3. Xiamen Construction Bank’s cooperation income: The air transfer function of “Mobile e-pass card” is used as a value-added service point for CCB savings cards, which increases the attractiveness of CCB savings cards to customers. To realize the function of air transfer, users must have a CCB savings card to increase the popularity of CCB savings cards in Xiamen.
4. Cooperation income from Beijing Watchdata System Co., Ltd.
①Mobile e-pass card sales fee: sell mobile e-pass cards to Xiamen Mobile at a price of 80 yuan per card.
② Development and maintenance costs of the air loading platform system.
Seven, marketing strategy
(1) Opening a card: pre-deposit 100 yuan to get a special mobile e-pass card (pre-deposited call charge period is 10 months for consumption, 10 yuan/month)
(2) Card replacement: 80 yuan per card.
(3) Note: In order to reflect the characteristics of the mobile e-pass card, it has applied for file remarks on the special SIM card in the BOSS system, so that the business front desk can be reminded of the special SIM card held by the customer in the card replenishment interface.
8. Cost estimation of the pilot project
(1) Purchasing cost of SIMpass special cards: the first batch of purchase of SIMpass special cards, the quantity is 20,000, and the cost: 1.6 million yuan
(2) Industry informatization application development cost: 1. Construction and development of the mobile e-pass card air loading platform, the estimated cost is: 500,000 yuan;
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