On June 28th, the Lingnantong Innovator Conference was successfully held in Guangzhou. This conference brought together major domestic chip vendors, equipment vendors, Tongka companies and solution providers, such as Huahong, Fudan Microelectronics, New Cape, and Kos. At the same time, while demonstrating the brilliant achievements of Lingnantong in the past two years, we will jointly discuss the future development of the traffic card. With the development of mobile payment, the card, which was originally a card, has gradually begun to make a transition to mobile payment. The discussion of this conference also focuses on the impact of mobile payment on the traffic card, especially regardless of whether the operator or the bank pays attention. TSM Trusted Service Management Platform.
Lingnantong’s current glory and future vision
The development of Lingnantong in Guangdong in the past two years is not brilliant. According to the World of Cards, the cumulative circulation has exceeded 33 million, the number of consumer terminals is nearly 70,000, and the recharge points are more than 5,000. 1,200, the cumulative consumption transaction volume is 15.6 billion, the consumption amount is about 26 billion yuan, the consumption of cross-regional consumption is 450 million, the cross-regional consumption is 1 billion yuan, the daily card consumption is over 9 million, and the cross-regional daily card consumption exceeds 500,000. It has become China's largest regional traffic card system. At present, the types of products that have been released include special cards (such as old-age cards, student cards), employee cards, corporate cards, membership cards, and special-shaped cards. They cooperate with intercity rail transit to carry out multi-modal public transport services and cross-industry movements. , China Unicom, telecommunications, commercial banks and other joint research and cooperation to issue joint-name card business, to achieve inter-regional and Hong Kong Octopus card, Macao Macau pass card interconnection, and actively carry out cooperation with overseas countries such as Singapore.
According to Fang Qiu Shui, deputy general manager of Lingnantong, the next work plan mainly includes:
1. Preparation of the "Guangdong Province Public Transport Card Demonstration Project Construction Outline" and "Feasibility Study Report";
2. Carry out research on the "Guangdong Province Public Transport Card Standards Standard System" and "Policies and Regulations System";
3. Accelerate the completion of the transformation of Shenzhen, Dongguan, Meizhou and Shantou, and realize the comprehensive interoperability of Zhuhai, Zhongshan and Yangjiang, and consolidate the province's public transportation infrastructure with “one card in hand and Lingnan passâ€;
4. Launched the Lingnantong electronic payment application pilot on the Guangzhu Campus Express Line and other routes, and gradually expanded to other cross-city road passenger transport, rural passenger transport and Hong Kong and Macau passenger transport. On the basis of promoting the province's road passenger transportation network ticketing work, the pilot application of road passenger transport Lingnantong e-ticket is carried out to explore the realization path of key links in the production, distribution, certification, verification, clearing and settlement of e-ticket.
5. Carry out the pilot application of Lingnantong related technology integration service, and explore the application of Lingnan Tongka and road transport IC card qualification certificate, bank card and mobile payment.
6. To carry out the construction and pilot application of the special urban population public transport fare preferential statistical management system (Phase I) and the pilot construction of Lingnan Tongdi Comprehensive Management System.
In the future, Lingnantong will also make efforts in the fields of public transportation, micro-consumption and public service management, e-commerce, merchant marketing support, cultural brand, security certification and testing, and cloud computing platform. Xie Zhendong, general manager of Lingnantong, also revealed that it is actively exploring overseas cooperation and allowing Lingnantong to spend abroad. The first stop of cooperation will probably be Singapore. In August, Lingnantong will sign an interoperability agreement with Singapore Ezlink.
Then, how does Singapore and Lingnantong achieve interoperability? Lin Lifeng, deputy manager of the Smart Card Business Unit, explained the key technologies of interoperability and application, and proposed the concept of “traffic card roamingâ€. He said that the key technologies of traffic card roaming include three aspects: 1. Single-chip multi-application multi-contact protocol; 2. Non-contact protocol automatic switching; 3. Support for open JavaCard platform. In the cooperation between Lingnantong and Singapore Ezlink, it will be able to support ISO 14443 TYPE A and ISO 14443 TYPE B automatic switching.
Deep integration of card and mobile payment
On June 9, China Mobile and China UnionPay jointly launched the mobile payment platform and mobile wallet business of TSM system interconnection. The concept of mobile payment and NFC began to enter people's lives. The conference, NFC technology and mobile payment platform became the hot topic of the guests. NFC technology can be divided into three major functions: card simulation, peer-to-peer communication, and reading and writing. And through the NFC function to achieve the concept of mobile payment, there are currently three major programs: SD card, SIM card and full terminal solution. Since the control of SE security components will be the commanding height of the entire mobile payment industry chain, the three schemes have different industry participants: financial institutions such as UnionPay Bank prefer SD card solutions; SIM is the carrier's dragon, operators It will try to move closer to the SIM card; the full-end solution is favored by mobile phone manufacturers. The difference between the three schemes is the difference in the location of the SE security components. Not only that, but the combination of the SE security components and the TSM ensures the security of mobile payments. During the conference, a number of guests gave a systematic explanation of the TSM platform and highlighted the importance of the TSM platform in the traffic card system.
Mobile payment mainly faces the micropayment scenario. The traffic card is also the most common application area for micropayment, so the future development of mobile payment cannot be separated from the traffic card. How does mobile payment work with the transportation system? Huang Gengsheng of China Mobile Research Institute believes that NFC mobile payment and public transportation cooperation need to solve two major problems: “1. Air card issuance, cooperation experience in the financial industry can be shared and reference must be paid in the air card issuance environment. Sexuality, meet the requirements of the bus industry, at the same time need to fully consider the convenience of users. 2. Unified POS read head standard. Application, equipment, and testing standards are the basic conditions for interconnection and interoperability, standardized testing institutions, unified management The solution is the necessary guarantee for interconnection.†Huang Gengsheng also revealed that more NFC terminal products will be put on the market this year. Starting next year, China Mobile will start issuing SIM cards with a capacity of 500k, and the NFC-SWP solution will also be broadly used.
For Tongka, the construction of mobile payment has great advantages. The extensive user base and common micropayment scene coverage will facilitate the development of mobile payment. Tian Yong, director of information technology, said: Tongka has a core advantage in developing mobile payment construction, and can carry out OFC mobile Internet O2O operation mode in the future. "Let the offline card company enter the line, it will provide Tongka company with broad development prospects. At the same time, Yao Yong also put forward the thinking of the development of the city card: "1, let the current or potential cardholders "enjoy" the convenience brought by mobile Internet services; 2, low-cost popularization and development of mobile payment applications; 3, security, Quickly and cost-effectively integrate applications across industries."
The results of the conference show mobilization and e-commerce
At the conference results exhibition, Lingnantong network recharge platform, Lingnantong electronic ticket system, Lingnantong intercity track application, Lingnantong mobile APP and many other Guangdong province bus card industry's latest research and development achievements made its debut, becoming the biggest highlight of this event. During the meeting, Xie Zhendong, general manager of Lingnantong, said in an interview with Card World. With the help of card readers to connect the card to the Internet, Lingnantong can enter the online market in the future, allowing cardholders to pay online through Lingnantong.
The conference brought together all the links in the value chain of the card industry. Chip makers, equipment manufacturers, card companies, and application units gathered to discuss the development of the card. The topics discussed are closely related to mobile payment. Innovative products drive the development of innovative business models. Mobile payment will be integrated with the card in the future to create a good foundation for people's livelihood services.
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