Interpretation of four typical mobile payment TSM platforms

TSM (Trusted Service Manager) platform is based on one-card multi-application technology, which implements space management, application access and air card issuance for security chip SE, and finally interacts with traditional receiving devices through NFC and other technologies online. Implemented a closed loop process for mobile payments.

At the end of 2012, the People's Bank of China officially released the "Technical Standards for China's Financial Mobile Payment Series", and determined that the NFC-SWP scheme using the 13.56MHZ NFC as the standard and supporting the security module to be stored in the SIM card, the near-field payment standard finally settled. China's NFC payment business process has taken an important step on the road ahead. After the end of the standard, the dispute over the TSM platform came to an end. At present, the three major operators represented by China Mobile and China UnionPay have successively launched their own TSM platforms based on their own industry advantages. In February 2013, China Mobile and China UnionPay announced the successful docking of the TSM system. Subsequently, it announced that TSM business was carried out in 14 provinces and cities nationwide, which directly promoted the development of TSM ecology, and various industries and industries started TSM business. At the end of 2013, the national mobile financial security and credible public service platform was completed and passed the acceptance review. The city-level local pedestrian TSM represented by Ningbo has access to the public service platform, which has pushed the TSM ecosystem to a new high.

The following will further analyze the four typical mobile payment TSM platforms from the perspectives of business scenarios and product maturity:

1. China Mobile TSM Platform

China Mobile has been building an NFC-based TSM platform since 2012, referred to as the NFC multi-application open platform. In the past few years, China Mobile has closely tracked and researched the international standards and latest technologies of trusted service management, continued to upgrade the platform, actively connected to other TSM platforms in the industry, and successively accessed various industry applications, and accumulated rich experience in TSM operation and management. . Regardless of the number of applications, the coverage industry, or the bearers and interconnections, China Mobile's TSM platform has become the largest and most mature TSM platform in China. China Mobile TSM has achieved cross-industry docking with China UnionPay TSM, creating a new model for cooperation between the communications industry and the financial industry. China Mobile TSM is one of the first TSM platforms to access MTPS, fully in line with financial industry standards; At the same time, it has opened interfaces for banks, public transportation, municipal administration, enterprises, campuses and other industries. At present, it has access to more than 40 NFC applications such as bank cards, bus cards, citizen cards, school-enterprise cards, and business travel reservations. All kinds of applications can access and unify authentication from the unified TSM platform in the whole network, which reduces the technical threshold of application access, so that application providers can focus on the application itself. The TSM platform can also flexibly allocate SIM card space, provide unified transaction settlement, etc., provide more and more convenient services for the access side, and reduce the operating cost of the access side.

In 2014, China Mobile clearly defined the direction of NFC-based mobile payment. It plans to sell at least 30 million NFC mobile phones, issue at least 100 million 4G NFCUSIM cards, and invest special funds to stimulate NFC mobile phone sales. As a key guarantee for NFC mobile payment services, TSM will continue to be open, attract more industry cooperation and application access, and provide rich and personalized mobile payment applications for 800 million mobile customers. The development of high-capacity, high-performance SIM cards will continue to be promoted to accommodate more applications, provide faster response, and extend the access capabilities of multi-application open platforms. At the same time, it actively explores the SIM card and mobile phone number as new technologies and new modes of mobile payment identity authentication, further promoting the convenience and security of mobile payment.

Second, China UnionPay TSM platform

As early as 2012, China UnionPay took the lead in establishing a secure, reliable and powerful TSM platform, and gradually realized interconnection with TSM platforms of communication operators, commercial banks and other parties. At present, the TSM interconnection promoted by UnionPay has achieved phased results. National banks have all reached cooperation, 12 of which have officially released their business; more than 30 regional banks have reached cooperation intention with UnionPay, of which 7 The home has released the business. In 2014, China UnionPay plans to complete the access of 100 member banks.

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