Recently, the user of Huawei Beijing One Card found out that when he changed his mobile phone, he opened it on a Huawei mobile phone. The traffic card that had been in use for one and a half years could not be transferred to a new mobile phone. The balance of nearly 200 yuan in Cardi has no place to refund. , The initial deposit for the transportation card does not support refund.
'Huawei Beijing One Card' is a virtual traffic card installed on a Huawei mobile phone. Thanks to the popularization of NFC chips, mobile phones including Huawei, Xiaomi, Samsung, and Apple can now open virtual bus cards. Card, for example, integrates mobile phone and traffic card into one, achieving more than 160 models of 'mobile phone card'.
The reporter browsed Huawei, Samsung, and Xiaomi’s mobile phone business. It was discovered that when consumers opened a virtual traffic card on their mobile phones, the initial payment fee was called 'open card service fee' rather than the 'deposit' paid for the purchase of a physical card. The terminal companies all stated that 'opening of card service fees does not support the return once payment is made'. At the same time, there is no refund method for the balance of the virtual card. The terminal company prompts 'please use the balance first' in the business instructions, ' Dealing with card balances '. Only in the case of damage to the virtual card due to the after-sales problem of the mobile phone, the card service fee will be refunded.
The transportation card has always been the breakthrough point for terminal companies, telecom operators, and financial institutions to try to enter mobile payment. After mobile phone transportation cards, QR code-boarding and other virtual card services were opened in 2016 in some cities across the country, mobile payment in the transportation sector began to explode rapidly.
According to an article published recently by the China Communications Technology Service Center’s official WeChat, in 2016, the proportion of virtual cards in newly added traffic cards nationwide was still less than 5%. However, in 2017, nearly 60 million total card issuances, virtual cards The proportion is close to 40%. Based on this calculation, in 2017, the total number of virtual card issuances including NFC mobile phone traffic cards totaled about 25 million.
According to the current trend, the number of mobile traffic cards will continue to grow at a rapid rate. However, if the policy of 'non-refundable service fees for opening cards' is continued, tens of millions of users will encounter such problems in replacing mobile phones in the future.
Mobile phone traffic card missing management standards
According to feedback from Huawei, Samsung, and Xiaomi mobile phone users, the reporter found that in the Beijing, Shanghai, and Shenzhen areas, the above-mentioned traffic cards for mobile phones do not support card returning. The mobile card opening service fees are non-refundable.
Among them, Huawei, Samsung, and Xiaomi’s latest card opening fees in Beijing were RMB 16, RMB 29 and RMB 29 respectively. The opening fees in Shanghai were RMB 27, RMB 29 and RMB 29, respectively. For 25 yuan. In addition, most of the country's card opening service fees are more than 20 yuan. Although previously Huawei, Xiaomi had a limited number of invitations to users free of charge to open the traffic card, but only provided hundreds of thousands of free places, according to the current 10 million The user-calculated mobile phone transportation card has been paid nationwide. The non-returnable card opening fee has reached at least RMB 300 million.
It is worth mentioning that on Xiaomi's MIUI forum, Xiaomi Bus official team introduced that the traffic card on the mobile phone belonged to the “special card” of the corresponding city card company.
Different from the common deposit card, the special-shaped card is generally a kind of artistic model, a special customized transportation card, and the circulation is much lower than the common deposit card. It should be pointed out that there are differences in the management methods of the special-shaped card and the deposit card, according to the official website of Beijing Municipal Transport. Display, special-shaped card as a special card, can not handle the return card, change the card business.
However, unlike many Andriod terminal companies, the Apple Mobile Card is not included in the non-refundable list. In March 2018, Apple Pay firstly supported the transportation card business in Beijing and Shanghai. , Consumers in Beijing and Shanghai will all receive a 'Refundable Service Charge of RMB 20' when they open an Apple Mobile Card. The official website of Shanghai Public Transport Card Co., Ltd. reminds consumers that they can use 'Shanghai Transportation' when not using the iPhone's mobile card. Card 'APP handles return card'.
Obviously, as a new virtual card, mobile phone transportation card does not have a unified management method. The management methods carried out by traffic card management companies around the country are different for Apple mobile phone users and Andriod mobile phone users.
"From a technical point of view, Apple Pay supports UnionPay HCE, which can be managed in the cloud. Cards can be reissued after the card is cancelled. Cards can be relocated and reused," informed sources, 'However, technology is not the main factor for refunds. The reason, it depends on the transportation card company and the terminal company, the negotiation of the payment company, to see whether the card company is willing to open the refund management authority.
At present, the issue volume of mobile phone virtual cards is already the same as that of the deposit card, which is far more than the previously defined profile cards. It is not appropriate to adopt the “special-shaped card” regulations for Andriod mobile phone traffic cards. However, the above industry analysts believe that it is possible to change this rule. There will be a lot of resistance. 'The initial deposit card, there are multiple departments monitoring, the user's deposit can not be misappropriated; now is not refundable 'service fee', the total amount is not less than the original deposit, but not so much Supervised. '
Intricate interest chain restricts NFC
Mr. Chen, who could not find a solution, contacted Huawei customer service. After the negotiation, Mr. Chen agreed that 'you can cancel the cancellation of the card and return the balance in accordance with the recharge path within 20 working days. However, according to regulations, you cannot return the opening fee.' But then, The customer service also informed 'Because of a problem with the card deletion system, it cannot be submitted successfully. Please be patient and wait patiently.'
It should be pointed out that in addition to the problems of 'refunding' and 'refunding' problems, mobile payment services such as one-card APP and two-dimensional code boarding in various cities in China have encountered 'scanning code failure', 'it has been deducted but failed to recharge. ', 'Multiple deductions', 'Customer response' and other issues.
The reason is mainly that the complicated industrial chain restricts the development of NFC.
As early as 2005, Japanese telecom operator NTT began to dominate the mobile payment industry chain with NFC. At that time, the NFC industry was not yet mature. In 2014, when Apple released the iPhone 6, it launched the NFC-based Apple Pay service, which has grown to nearly 130 million users.
In China, telecom operators and UnionPay have entered the mobile payment business with NFC in 2010. Today's popular QR code payment is far from rising at that time. However, operators, UnionPay, terminal companies and acquirers are The lengthy industrial chain within it has always been difficult to achieve a unified standard. Today, two-dimensional codes have been almost unified under the promotion of Alipay and WeChat, and the parties who hope that NFC enters mobile payment are still playing against each other.
In the area of transportation cards, due to historical reasons, many departments were involved and originally implemented multiple sets of standards and regulations. In today's mobile payment era, with terminal manufacturers, payment companies are entering, complex standards and regulations, industrial systems, business systems and consumers. The contradiction between the growing demand for mobile payments has become increasingly evident.
At present, most of the consumers who opened mobile phone cards in 2017 have not yet entered the replacement stage. According to the domestic one-and-a-half to two-year replacement cycle, the 'refund card' and 'refund fee' conflicts may gradually erupt in the future. And evolved into a major constraint to mobile traffic.