Taiwan Province Mobile announced the launch of its own e-wallet service Wali, which is based on NFCSIM card and services provided by Chunghwa Telecom and Qunxin Technology. Therefore, users basically have to apply for replacing the SIM card first. Taiwan Province Mobile expects to open all users' applications from February 1, with a half-price discount (NT$ 150) before the end of February, while users who renew their contracts, apply for new services or carry codes can do so at 2.
However, the test results at this stage show that the mobile phones supporting this service are still mainly based on Android platform, and only limited to HTCOneA9, M9, E9+, Butterfly3, SonyXperiaZ5Premium, Z5, Z3, Z3+, Samsung GalaxyS6, S6Edge, Note5 and A7 (model A7(20 16)).
As for practical functions, Kawara Tsutomu has also integrated the electronic ticket functions of easycard and Kaohsiung Card, but they can only be used as newly registered cards, and cannot be used by directly registering existing card numbers. That is to say, users can't directly use the co-branded card numbers with easycard functions for the time being, and at the same time, they can't automatically add value, so they can only store values manually or at the counter. After the easycard or one-card service is launched, you can swipe the NFC function of your mobile phone to take various means of transportation, or you can make a small payment in the store (the maximum amount will be in accordance with the provisions of easycard and one-card service).
At the end of last year, Chunghwa Telecom and Qunxin respectively launched their NFCSIM e-wallet services, integrating payment tools such as easycard, all-in-one card and credit card, and the long-awaited mobile wallet in Taiwan Province Province was officially commercialized for the public. Today, Taiwan Province Columbia University also launched Wali e-wallet, integrating easycard and one-card with Android phones and NFCSIM into vehicles. Let people directly feel that the mobile phone is riding or paying for small purchases. The difference is that Wali of Taiwan Province Columbia University can bind the existing credit card number in the App, so that this credit card can pay some catering, travel and accommodation benefits that Taiwan Province Columbia University cooperates with online. Applications will be accepted from 2/ 1.
Different from the services provided by Chunghwa Telecom and Qunxin Technology, the Wali implemented by Taiwan Province Mobile will allow users to input their existing credit card numbers instead of re-applying for a Qvanxian Zhang virtual credit card. The security mechanism design part will adopt the highest level international certification standard recognized by the Payment Card Industry Security Standards Association. In addition to the encryption protection in the process of swiping the card, information such as card number will not be stored in the cloud system, but will be kept in the NFCSIM card. Even if it is intercepted by a willing heart, only a set of unencrypted information strings can be obtained.
When the mobile phone is lost or the account is suspected to be stolen, the user can also apply for deactivation at any time by remote means, and if the NFCSIM card is transferred to another mobile phone, all relevant information will also be deleted from the old mobile phone.
At present, Wali will cooperate with Peter and Yida Amusement World in Mo Fan, Guanzhi Hot Spring Hotel in Tai 'an, Liu Fu Palace in Taipei, VIVISPA and Taiwan Province Mobile myfone to provide exclusive discounts, and you can pay directly online by swiping your card in the App. The system will always store relevant electronic coupons in the mobile phone for users to use when actually spending. With the help of mobile phone location function, Wali will also push information such as offers and instant activities provided by nearby stores in the form of LBS.
The development of existing mobile payment in Taiwan Province Province is still slow.
Due to the existing laws and regulations, ApplePay, GoogleAndroidPay or SamsungPay cannot be used in Taiwan Province Province for the time being. Users can only use their own telecom door number to bind their own e-wallet business, and at the same time, they must cooperate with the replacement of NFCSIM card to ensure deeper data security before using it. However, most of the places available at present are small payments and transportation, so many people think that the current mode of using electronic ticket cards can be maintained.
On the other hand, although the European and American markets are still dominated by credit cards and debit cards, in fact, the trend of mobile payment and remittance through e-wallets is gradually increasing. Even the China market has become accustomed to paying by scanning the code on mobile phones or shopping through electronic virtual tickets. Compared with the current development of mobile payment in Taiwan Province Province, it seems to be much slower.
In addition to announcing that Taiwan Province's mobile phones will enter the e-wallet and mobile payment market, Yuanchuan Telecom has also confirmed that it will launch the first mobile wallet service in the second quarter of this year, which is expected to be combined with easycard, as well as services such as HAPPYGO, HAPPYCash, credit card, collection point and telecom bill withholding.