His idea was good, but due to the lack of effective communication with the central bank, the central bank believed that his work was not done enough, which delayed their follow-up progress.
“According to the previous plan, the existing cash payment scenario was to be replaced in a short period of time. When we were initially discussing, there were no smartphones, so we adopted a small personal payment terminal solution.
In fact, we have already done some work. The smartphones of Polaris Company, Hengtong Communications Company and Huawei Technologies Company have used short-range wireless communication technology (also known as NFC) chips.
Therefore, in my opinion, the previously discussed small payment terminal solution specifically for cash payments can be slightly modified and directly replaced with a smartphone.
Compared with dedicated payment terminals, smartphones are used more frequently by users, and they are basically inseparable, more convenient, and there is basically no chance of forgetting to bring them.
Moreover, it can be solved using a smartphone, so there is no need to carry a personal payment terminal, which is more convenient for consumers, and they do not need to pay again.
Therefore, if the scope of testing is further expanded, the number of consumers buying smartphones is actually already very large, enough to support the next round of testing by the central bank. " Zhao Yi said.
I was a little surprised to hear what he said at the scene. Many of them actually bought smartphones, but they only used them to make calls, send text messages and use various applications.
Regarding the various technologies present in smartphones, few people present paid attention to them, and even if they did, they didn’t know what they were used for.
Just like the key technology NFC used for peer-to-peer payments, you may have discovered that there is such a thing, but it seems to have no effect at ordinary times, and over time you no longer pay attention to it.
Due to the lack of current application scenarios, none of the three smartphone companies have made much publicity about this. If he hadn't specifically asked them to add NFC functions, none of the three companies would have NFC functions.
Because the addition of NFC chips will inevitably lead to an increase in overall costs, especially when there is no usage scenario, the three companies will definitely not add this function if it is not ordered by their bosses.
The staff member of the central bank who just named Zhao Yi heard what he said and said quickly: "Academician Zhao, I'm sorry, it seems that we misunderstood you. I didn't expect that you had already made a layout on your smartphone."
"It's okay. There is also my problem here. I didn't communicate with you in time." Zhao Yi said politely.
"Academician Zhao, can you introduce NFC to us so that we can have a full understanding?" asked a participating expert.
"There is no problem. In fact, technologies similar to NFC have appeared very early, namely RFID technology, which dates back to the Second World War and was used to identify friend or foe in air combat.
The invention and application of radar technology gave birth to RFID technology and laid the theoretical foundation of RFID. By the end of the 1970s, the technology was gradually transferred to the civilian field, and later commercialized.
However, the problems with previous RFID technical standards are becoming increasingly serious. There is a lack of unified standards. Different companies use RFID products with different frequencies, encodings, storage rules, and data contents.
Readers and tags cannot be used universally, and data exchange and collaborative work between enterprises cannot be carried out smoothly, which seriously hinders the development of RFID.
Previously, Polaris Company, as a consumer electronics giant, also had its own RFID technology system. It also had some of the above problems. Because it involved standards disputes, it was difficult to give in.
In this development of smartphones, Polaris has comprehensively upgraded the previous RFID technology and formulated more standardized standards, thus forming the current NFC technology. "
NFC technology is actually one of the must-have standards in the future and an indispensable link in many daily application scenarios. As an international consumer electronics giant, Polaris has long wanted to unify standards in this area.
It's just too difficult to dominate this standard, despite the fact that their standard occupies an absolute share of the market, and no other standard can match it.
However, other companies were still stubbornly resisting in this regard and had no intention of compromising. Fortunately, Polaris Company did not need their cooperation in this regard at that time, because they could produce a complete set of equipment themselves.
Therefore, in the market, although the standards of Polaris Company are not clearly regarded as unified standards, they are in fact recognized as unified standards. Many small businesses have to adopt the same technical standards as Polaris Company.
If smartphones had not appeared, the situation would probably have been like this. Polaris relied on its own strength to slowly turn its own standards into de facto standards, squeezing the competitive space of other companies.
Although this may still take several years, for the world's largest international giants in consumer electronics, home appliances and other electronic fields, this confidence is still there.
The ones that did the most in this regard in the previous life were Philippe and Sony. Sony is now a name only and does not have much influence, because their flagship products are basically taken over by Polaris Company, and their natural development is mediocre.
Philip is involved in many business fields, but basically it is very similar to the main business of Polaris Company, and his performance is not very good. His development is completely incomparable with that of his previous life. Compared with Polaris Company, he is a veritable small business.
Therefore, in the entire RFID field, although there are many different standards, compared with Polaris, they are all small businesses and cannot make a big splash. This is why more and more small businesses are using Polaris' standards. .
For this smartphone release, Zhao Yi upgraded Polaris' RFID technology. In addition to adopting many previous NFC standards, he also added new technologies and improved the security of NFC.
Smartphones are different from ordinary consumer electronics products. They can be associated with almost all other electronic products and will be the central device in the future electronics field.
As long as you master the standards on smartphones, they will basically become the de facto standards. Regardless of whether others admit it or not, you have to follow it. Otherwise, others will only be able to rob the market.
Relevant technologies in the field of mobile communications are basically in the hands of Hengtong Communications Company and Huawei Technologies Company. In other words, if you do not obtain authorization from these two companies in this regard, it is basically impossible to enter the communications field. Share the cake.
Knowing that the three companies are destined to be in a monopoly position in the field of smartphones, he took advantage of this opportunity to thoroughly promote some standards, such as Bluetooth technology, so the NFC standard is only one of them.
Although Apple developed smartphones in the previous life, they did not have much technology that was truly their own. Many technologies still used the technologies and standards of other companies.
The three companies under his umbrella, through mutual authorization, all technologies come from these three companies, so they have unparalleled advantages in promoting their own standards.
When everyone has a smartphone in the future, no matter what company they are, no matter how much they insist on their own relevant standards, it will be in vain in the end unless they ignore the development opportunities brought by smartphones and only play in their own circle.
As a businessman, even if you want to fight for your own interests, you still need to see the form clearly, and you will be willing to abide by the new standards when the general trend is over.
In fact, Polaris has used this method to promote its own standards many times. For example, it took advantage of the popularity of the Walkman and the development of personal computers to promote its own optical disc standards and USB standards.
There are also MP3 players that are now selling well all over the world. The MP3 music format used has gradually become the leading standard in the field of music formats.
Of course, many terms are the same as in previous generations, but the technology is not necessarily exactly the same. For example, the MP3 music format is much more advanced than the music formats in previous generations. It not only has a smaller data volume, but also does a very good job in distortion.
Because their products are not only technically mature and advanced, but also have a very large number of users, even if they do not deliberately target other companies, they will become the de facto market standard, causing ISO to have to use Polaris' standards as global standards.
Don’t underestimate these standards. Polaris Company charges a large amount of fees from these standards every year, and its dominance of these standards also gives Polaris Company unparalleled influence in the world and can lead the development direction of the industry to a certain extent.
Of course, being able to do this requires not only the strength of Polaris Company itself, but also the strong support of many brother companies. Otherwise, there may still be some problems.
For example, in the computer field, the support of Fanxing Software Company and Tianxing Semiconductor is indispensable. Otherwise, it will be very difficult to promote USB and even hinder the development of its own products.
It is because he has a large number of high-tech companies that are in the first echelon or even the only ones in their fields. He wants to promote a standard and can dominate the market in a short period of time.
Not to mention high-tech companies, they are traditional companies. As long as their share is large enough, they have the right to set standards. The most typical ones are Hualong Clothing Company and Huansha Textile Company.
These two companies are classified as traditional companies according to the classification. However, due to their huge size and absolute leading market share, they have absolute say in the formulation of textile raw material standards and the guidance of clothing design and fashion.
For example, Huansha Textile Enterprise wants to formulate grading standards for textile fibers. With its own strength and the cooperation of Hualong Clothing Company, basically the whole world will follow suit.
Hualong Clothing Company relies on its absolute position in the global clothing field. Their annual fashion trend show is basically a weathervane in the field of clothing and fashion design.
Due to its large size, the development speed of Hualong Apparel Company in recent years is obviously not comparable to that of previous years. However, the overall market share has not fallen, but has been slowly climbing, and has advanced towards 70% of the global total share.
The reason why they can do this is that in addition to their own strength, more importantly, they have mastered the fashion trend, which is very beneficial to their own development.
“NFC has the characteristics of point-to-point transmission. The usage distance is relatively short, less than 0.1 meters, and the response is fast, the establishment time is less than 0.1 seconds, and the security is also very good, using hardware security implementation.
The communication mode has active and passive effects, and the cost is relatively low. It has unparalleled advantages in the field of financial payment.
But NFC is not only used in the field of financial payments, it also has a wider range of uses, playing a role in many fields such as transportation, electronic products, retailers, entertainment, medical and identity recognition.
For example, for identity recognition, we only need to scan our ID card information into a mobile phone or related device to easily generate an electronic ID card, which has the same identification function as a traditional ID card.
In the field of retail stores, users can not only use online payment QR codes for transaction payments, but also use the NFC function, which allows smartphones to automatically pay just by being close to the charging device.
What is closer to today's life is transportation. Many people take various means of transportation to commute to get off work every day. Many cities still use manual ticketing.
Electronic bus cards have been widely used in foreign countries for payment. With NFC smartphones, electronic bus cards can be eliminated directly. You only need to use your mobile phone close to the bus fare collection machine, and the payment will be automatically completed.
In the future, as long as you have a smartphone in hand, you will not need to carry a large number of electronic cards. Bank cards, transportation cards, electronic shopping cards, etc. can all be stored in the smartphone card holder. Carrying a smartphone is equivalent to carrying Almost all electronic cards.
For example, in a city subway station, you can use the NFC function of your smartphone to directly bring your smartphone close to the turnstile to complete the relevant actions. When you exit the station and approach the turnstile, you can automatically complete the payment.
From the examples given above, you should have a feel for the application scenarios of NFC and smartphones. It will never be as simple as making phone calls and surfing the Internet as it is now.
It's just that our country still needs to improve infrastructure in many fields to provide more application scenarios for smartphones. Various companies under our umbrella are also actively developing and producing related electronic equipment.
For example, bus electronic toll collection machines, new subway gates, and more financial payment scene equipment, such as contactless electronic toll collection machines in retail stores, railway identification equipment, etc.
I don’t know if you know that our high-speed rail station technology includes facial recognition and ID card recognition technology. If the ID card is replaced by an electronic ID card, you don’t even need to carry your ID card, and you can go directly to the high-speed rail. "
The reason why he talked about so many NFC and smartphone application scenarios at this conference was of course not because he was full, but to promote these concepts.
Because this is also an important part of future smart cities, his companies are working hard to realize these scenarios and are also cooperating with the smart city brain of Building Block Software Company to build future smart cities.
Although many department leaders and experts at the scene are from the financial field, at this level, the influence is not only in the financial field, especially because there are many old revolutionaries in it, but also have great influence in other fields.
As long as they listen to what he said, it will play a big role when it is actually promoted. Sometimes a word from them can solve a big problem for his company.
Like the electronic ID card mentioned earlier, if the government does not recognize the electronic ID card, even if its companies connect all the links, it will still be of no avail. This aspect must be officially recognized.
In future smart cities, ID cards will be used in many identity recognition scenarios, and electronic ID cards are undoubtedly much more convenient and do not require residents to carry a physical ID card with them at all times.
Of course, if you don't mention this, it doesn't really matter, because when his companies advance relevant plans step by step, they will naturally get official recognition.
Because the scale of his industry is very large, many things can be decided by himself, just like the online payment implementation plan that is currently being intensively promoted.
Since Shangtong Trading Company has very rich resources in domestic retailers and super channels, as long as Shangtong Trading Company actively cooperates, the promotion of Xinghan Technology Company will be countless times smoother.
As long as the retail channels under Shangtong Trading Company cooperate, other retail channels will naturally follow suit, otherwise they will fall behind and their sales revenue will be affected.
Moreover, with the cooperation of Shangtong Trading Company, the cost of implementing Xinghan Technology Company's online payment system plan is also very low.
According to the report of Xinghan Technology Company, in just a few months, their online payment system has accounted for about 15% of the entire retail market payment market. In the next year, it will basically reach more than 50%.
In the field of merchants applying for online payment systems, we will strive to increase coverage to more than 80% in the next year. In addition to some merchant channels in rural areas, cities and small and medium-sized towns must strive to achieve 100% coverage.
Because when the new generation of smartphones comes out next year, the lowest price of old smartphones may drop to 500 yuan, a price reduction of nearly 40%. By then, anyone with a job will be able to afford it.
In this way, the number of smartphone consumers will increase significantly. According to relevant reports from three smartphone companies, it is obvious that the number of smartphone users nationwide may reach about 400 million units.
The rest are estimated to be the elderly, children, and some adults who really have no money or cannot keep up with the times. With such a large user group, the demand for online payment implementation will naturally increase sharply.
When the domestic local promotion work is almost completed, Xinghan Technology Company will start the local promotion work of the international online payment system. However, the effect may not be comparable to that in China and can only be used as a supplement to terminal transactions.
Because foreign credit card payment systems are already very developed, and many banking giants are involved, Xinghan Technology Company needs the support of these banks if it wants to develop an online payment system internationally.
Therefore, they cannot go too far, otherwise they will encounter collective boycotts from foreign banks, and they will get burned. Therefore, although they will also carry out local promotion business abroad, they will not do it with the same enthusiasm as at home. (End of chapter)