Mobile Payment
Overseas Mobile Payment
Japanese NTTDocomo：In 2004, based on contactless IC smart chip, NTTDoCoMo introduced Feli-ca business for PDC users and FOMA users so that the users can purchase the products of vending machines and convenience stores and even the movie tickets. Up to 2005, all 3G mobile phones of NTTDoCoMo has adopted infrared to realize mobile payment, and about 60% of the users would pay via mobiles at least once a week. The users of NTTDoCoMo mobile payment have reached 21.5 million in April, 2007, possessing 44% of the FOMA users.
Korean SK： cooperated with VISA to introduce the mobile payment brand--- MONETA in 2001. Firstly, MONETA, the multi-application card, was called as Financial Management Helper. After MONETA cooperated with credit card organizations, the MONETA cardholders could realize electronic payment through adopting credit cards, the bus cards, metro cards etc. Henceforth, SK has integrated wireless and wired system, and built the shared platform NATE for multi-media and internet to transplant MONETA into mobile phone. Mobile payment can be applied to many aspects, including pay the bills in the market, withdraw money in the ATM that has infrared, and buy drinks in vending machines, and you also can get the invoices without taking any specific credit cards.
Germany RWV：Since April, 2005, Nokia has collaborated with Philips and RWV（Rhein-MainVerkehrsverbund）to test the NFC ticket solution so that the clients of RWV can purchase, recharge, and apply the urban bus tickets through using Nokia 3320 mobile phone that has NFC function. Nowadays, NFC technology and NokiaNFC products have been adopted in public transportation industry commercially.
Two Payment Forms
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1) RFSIM card
Dual interface smart card, including RFID card and SIM card, can realize wireless communication in short or middle distance through changing the SIM card of the mobile phone, and with 2.4G frequency, the communication distance can be automatically adjusted from 10 to 500cm,supporting 100M in one-way.
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2) NFC card
NFC card, with 13.56MHz operating frequency, adopts two-way identification and connection, working within 20cm. Electronic equipments provide a more direct, secure, and clear way to visit. With NFC transceiver directly integrated into the mobile phone, users of mobile payment need to change their mobile phone equipments or adopt NFC-enabled handsets.
Through combining SIM card with banking card, mobile payment can be regarded as a purse so that when the customers buy things, they can use the money from the mobile purse through applying the communication function of SIM card or mobile terminal, and exchanging the data of POS terminal.