With the high-speed development of mobile payment, traffic payments are covered by a variety of payment, from the NFC, wearable payment to qr code, virtual card instead of entity card become the inevitable trend.
However, the emergence of virtual card problem to the traditional bus card deposit, open mobile phone card need to pay a certain "card service", and almost all of the android mobile phone card service fee is not refund, many consumers confused, originally on the entity card can retreat "deposit" on the mobile phone has become an back "card service", is this time in the back?
According to net the NFC industry, currently on the market, including huawei, millet, such as samsung android phone card does not support open card fee refund, only the opening of the Shanghai, Beijing and Pay Apple Apple transportation card support open card fees refunded.
Why does this happen?
First of all, the android mobile phone manufacturer into the NFC payments market earlier, industrial development is not yet mature, and many android mobile phone manufacturers, increased the bargaining power, pass the company in business negotiations pass company android mobile phone card is defined as "alien card" or selling CARDS, adopted a unified on the management of the deposit is not refund policy.
Secondly, the fundamental reason for the immature development of NFC industry chain is that there are many parties involved in the industrial chain, and the standards are complex. Is standard in the field of public transport is involved in the ministry, the ministry of communications, self-built system, M1 card of all kinds of specifications, such as mobile phone card need to mobile phone manufacturer, landing card company, TSM, service providers such as collaboration, the open card fees in general is divided into several characters, above into his pocket money, after all, want to vomit or difficult, so the reason or business negotiations.
Finally, mobile phone card about virtual transportation card user instructions, also will open the card fee definition for "card service" rather than the traditional "deposit", this also shows that opened this service requires the corresponding human resources cost, rather than is the consumer is buying a card, than buy a service.
However, the mass consumer will not think so much, and the users who are spoiled by Internet companies and conventional thinking will only complain about why the qr code does not need to open the card phone traffic card. Why can't apple return android but not?
At the same time, some of the card companies rely on their own deep-rooted, holding a "precipitation fund" sleep, just want to make a little good money. Some are relatively open, but they still love the "deposit".
Handset makers are insufficient, unable to do one of the manufacturers of mobile payment business said, because users after-sales replacement motherboard failure, leading to cell phone card phone vendors will supplement users open card fees, while light is the cost in the tens of thousands of every month. Not to mention, mobile phone manufacturers need every few dollars to configure NFC chips, so it's no wonder that phone manufacturers are underpowered.
The "deposit" problem should not restrict the development of the industry.
Now the qr code pays the downwind, alipay, wechat various methods education users, the qr code has been popularized to all aspects of payment.
Although qr code has gradually extended to the traffic payments, but whether it is from experience, paid or industry development prospects, on the basis of the NFC contactless payment in rapid transit transportation still has the incomparable advantage. At present, NFC payment is in a difficult period of uplift, and the "deposit" problem should not be the factor restricting the development of NFC and even the transportation payment industry. Therefore, whether it is through card companies or mobile phone manufacturers, even consumers should make changes in their thinking and actions.
On the one hand, pass the company needs to adjust actively embrace mobile Internet, get rid of the past to rely on "deposit" and prepaid phone rate era of survival, to the user experience for the ultimate goal, to expand the business scope, equally, with industry partners to promote industry development. After all, in the Internet age, anyone can be replaced.
On the other hand, mobile phone manufacturers need to continue their efforts to promote the popularity of NFC in the mobile phone industry and actively promote the development of mobile payment. After all, payment is a hard demand for consumers, whether it is transportation or finance, and payment is a characteristic service when the mobile hardware is homogeneity. It is also believed by some mobile phone manufacturers that NFC has the advantage of experience in the field of transportation. Meanwhile, in the process of interconnection, the communication of future CARDS will be given priority to the exchange of codes.
Finally, consumers also need to change thinking, after all, free time has passed, now listen to music, play a game, see article what needs to be paid, knowledge copyright fees, fees, service charges is the inevitable trend of era development. Consumers completely unnecessary to less than 30 yuan money to tangle, on the one hand, opened after is oneself enjoy more convenient service, more cool card position, on the other hand moving about mobile phone card card business has also been gradually popularization, and with the development of the NFC payment industry, the future business model after mature enough, there was no so-called service fee may be.
In addition, as a media, small editors believe that there is no need to add oil and gas to certain individual phenomena, and deliberately magnify the feelings of some consumers. Nowadays, domestic represented by millet, huawei mobile phone card in KaiKaLiang also in the millions of order of magnitude, in less than 30 yuan money open card fees haggle over every ounce of users, after all, only a handful for this part of the people I can only suggest or old to bus card!!!!