车内付款的中国市场(2023年)

本报告提供中国的车内付款市场的相关调查，分析研究市场现状、产业链构成、整车厂及支付平台布局、消费者研究及发展趋势等资讯。

目录

第1章 车内付款概要

• 车内付款的发展历史
• 车内付款的应用情势
• 车内付款系统的流程
• 主流车内付款方式
• 车内付款的产业链
• 车内付款晶片
• 车内付款管道
• 车内付款生态系统
• OEM车内付款事业的设计
• 车内付款的专利
  • 车内付款的专利的地图
  • OEM车内付款专利的设计
  • 车内付款专利供应商的布局
  • 生态系统企业车内付款专利的布局

第2章 车内付款的消费者

• 车载支付调查概况
• 车内支付的用途和意图
• 机上支付的常见使用场景
• 用户对车载支付的满意度
• 假设车载支付场景
• 车载支付的实际场景与假设场景之间的差异
• 使用车载支付的原因
• 对船上付款的担忧
• 车载支付交互方式及支付方式偏好

第3章 OEM车内付款的设计

• BMW
• Mercedes-Benz
• Honda
• Hyundai
• Renault Samsung Motors
• Jaguar Land Rover
• Ford
• Great Wall Motor
• Xpeng Motors
• Geely
• Chery
• AITO
• SAIC Volkswagen
• SAIC ROEWE
• 其他的OEM

第4章 车内付款管道

• VISA
• China UnionPay
• Alipay
• Huawei
• 其他车内付款管道

第5章 车内付款的概要与趋势

• 远程信息处理髮展概述
• 车载支付发展轨迹
• 车载支付的SWOT分析
• 移动支付习惯养成
• 车载支付技术环境
• 数据挖掘和车载支付应用有更多想像空间

“ China In-Vehicle Payment Market Research Report, 2023” released by ResearchInChina analyzes and researches the status quo of China's in-vehicle payment market, components of the industry chain, layout of OEMs and payment platforms, consumer survey, and development trends.

1. The market demand for in-vehicle payment is rising.

In-vehicle payment refers to the function allowing for payment through in-vehicle communication (e.g., SIM card and WiFi) and IVI system. In-vehicle payment enables car owners to pay for services such as parking, refueling, food ordering and shopping without getting off the car, bringing far more convenient and better experience to users.

According to the survey by ResearchInChina, there are a relatively small number of people using in-car payment at this stage, making up only 17.8% of the total samples. Yet users' willingness to use this function is very high. 72.7% of the consumers who have not used in-car payment yet, or 59.8% of the total samples say they are "willing to try in-car payment".

At present, users use in-car payment in such scenarios as parking, highway pass, refueling/charging, and purchasing IVI traffic and APP membership. Of the users who have used in-car payment:

• Up to 78.9% use in-car payment for parking;

• 42.1% use in-car payment for highway tolls;

• In-vehicle payment is also often used to pay for refueling/charging fees (31.6%), IVI traffic and APP membership (31.6%), feature subscription (21.1%), car maintenance/repair/wash (15.8%), and car insurance (10.5%);

• Fewer users use this function in the scenarios of online food ordering and dining (5.3%) and travel (5.3%).

2. The in-vehicle payment industry chain is taking shape.

In terms of supply chain, in-vehicle payment involves two major segments: in-vehicle payment device and in-vehicle payment platform.

In-vehicle payment devices are led by communication devices (SIM card, communication module and T-Box), interaction devices (touch/voice/ face/gesture/fingerprint interaction), and authentication devices (security chip); in-vehicle payment platforms are primarily cloud platform, payment platform, IVI system, ecosystem service platform, ecosystem service provider, and OEM.

As companies in each industry chain segment worked to make layout in recent years, the in-vehicle payment market has kept growing, with the following two major features.

1. In-vehicle payment is available to more scenarios.

Foreign automakers including BMW, Mercedes-Benz, Honda and Hyundai, and Chinese automakers such as Great Wall Motor, Xpeng Motors, Geely, Chery and AITO have launched their in-car payment function. They have widely deployed this function in parking, refueling/charging and food ordering scenarios, and are also applying it on a small scale in car wash/maintenance/repair services, feature subscription, ticket booking and other scenarios.

For example, in October 2022, BMW added the BMW ConnectedDrive Store to its IVI system via OTA updates. It enables in-car payment for subscriptions, and 13 features such as front seat heating, steering wheel heating and Carplay through the IVI system.

2. Multimodal interaction is being added to in-vehicle payment.

At present, the most common in-car payment is scan to pay and password-free payment. As in-car multimodal interaction technology improves, face recognition, fingerprint recognition and voice recognition are becoming the new in-car payment interaction and authentication methods.

For example, Mercedes-Benz has added fingerprint recognition and authentication to its latest in-car payment system PAY+; Chery EXEED TX/TXL supports face verification payment, a function allowing users to pay for parking fees or shopping through face recognition. The addition of multimodal interaction makes in-vehicle payment more secure and convenient.

3. The ecosystem is a key factor affecting in-car payment.

In the mobile payment system, millions of iOS and Android developers have developed various applications and built very rich application ecosystems, meeting living, work and entertainment needs of consumers and making smartphones an indispensable terminal in users' life.

In the in-car payment system, financial institutions like China UnionPay and VISA have developed a series of in-car payment systems; Alipay, Banma Zhixing and Huawei among others have built a variety of vehicle ecosystem platforms and launched a range of in-car services covering parking, refueling, travel, shopping and other scenarios.

Compared with mobile payment, the in-vehicle payment ecosystem is still weak at this stage, only meeting the payment needs in specific scenarios. With the development of intelligent cockpit and high-level autonomous driving, drivers will be freed from driving tasks in specific scenarios and pay more attention to other in-car needs. At this time, creating an in-car living space and building a closed-loop ecosystem with payment as the entrance will become a big demand.

Table of Contents

1 Overview of In-vehicle Payment

• 1.1 Development History of In-vehicle Payment
• 1.2 Application Scenarios of In-vehicle Payment
• 1.3 In-vehicle Payment System Flow
• 1.4 Mainstream In-vehicle Payment Methods
• 1.5 In-vehicle Payment Industry Chain
• 1.6 In-vehicle Payment Chip
• 1.7 In-vehicle Payment Platform
• 1.8 In-vehicle Payment Ecosystem
• 1.9 In-vehicle Payment Business Layout of OEMs
• 1.10 In-vehicle Payment Patents
  • 1.10.1 In-vehicle Payment Patent Map
  • 1.10.2 In-vehicle Payment Patent Layout of OEMs
  • 1.10.3 In-vehicle Payment Patent Layout of Suppliers
  • 1.10.4 In-vehicle Payment Patent Layout of Ecosystem Companies

2 In-vehicle Payment Consumers

• 2.1 Overview of In-vehicle Payment Survey
• 2.2 In-vehicle Payment Usage and Willingness to Use
• 2.3 Frequent Usage Scenarios of In-vehicle Payment
• 2.4 Users' Satisfaction for In-vehicle Payment
• 2.5 Expected Scenarios of In-vehicle Payment
• 2.6 Differences between Actual and Expected Scenarios of In-vehicle Payment
• 2.7 Reasons for Using In-vehicle Payment
• 2.8 Concerns about In-vehicle Payment
• 2.9 In-vehicle Payment Interaction Modes and Payment Method Preferences

3 In-vehicle Payment Layout of OEMs

• 3.1 BMW
  • 3.1.1 Layout of In-vehicle Payment Application Scenarios
  • 3.1.2 Smart Parking Function
  • 3.1.3 Functional Flow of Smart Parking
  • 3.1.4 Paid Subscription Function
  • 3.1.5 In-vehicle Payment Service System
  • 3.1.6 In-vehicle Payment Based on Voiceprint Recognition
• 3.2 Mercedes-Benz
  • 3.2.1 Layout of In-vehicle Payment Application Scenarios
  • 3.2.2 In-vehicle Payment for Refueling
  • 3.2.3 In-vehicle Payment for Parking
  • 3.2.4 Paid Subscription Function
  • 3.2.5 Comparison between Mercedes pay and Mercedes pay+
• 3.3 Honda
  • 3.3.1 Layout of In-vehicle Payment Application Scenarios
  • 3.3.2 Honda CONNECT System
  • 3.3.3 Honda Dream Drive System
• 3.4 Hyundai
  • 3.4.1 Layout of In-vehicle Payment Application Scenarios
  • 3.4.2 Dynamics in In-vehicle Payment Service
• 3.5 Renault Samsung Motors
  • 3.5.1 Layout of In-vehicle Payment Application Scenarios
• 3.6 Jaguar Land Rover
  • 3.6.1 Layout of In-vehicle Payment Application Scenarios
  • 3.6.2 In-vehicle Payment for Refueling/Charging
  • 3.6.3 Functional Flow of In-vehicle Payment for Refueling
• 3.7 Ford
  • 3.7.1 Layout of In-vehicle Payment Application Scenarios
  • 3.7.2 Vehicle Transaction System
  • 3.7.3 In-vehicle Payment Communication System and Method
• 3.8 Great Wall Motor
  • 3.8.1 Layout of In-vehicle Payment Application Scenarios
  • 3.8.2 Smart Parking Function
  • 3.8.3 Smart Fueling and Smart Car Wash Functions
• 3.9 Xpeng Motors
  • 3.9.1 Layout of In-vehicle Payment Application Scenarios
  • 3.9.2 In-vehicle Payment Function
• 3.10 Geely
  • 3.10.1 Layout of In-vehicle Payment Application Scenarios
  • 3.10.2 In-vehicle Payment Device and Method
• 3.11 Chery
  • 3.11.1 Layout of In-vehicle Payment Application Scenarios
  • 3.11.2 In-car Pay by Face Function of Chery EXEED
  • 3.11.3 Online Payment System for Parking Fees
• 3.12 AITO
  • 3.12.1 Layout of In-vehicle Payment Application Scenarios
  • 3.12.2 Unconscious Payment for Parking
  • 3.12.3 Unconscious Payment for Charging
  • 3.12.4 In-vehicle Face Verification Payment Function
• 3.13 SAIC Volkswagen
  • 3.13.1 Layout of In-vehicle Payment Application Scenarios
  • 3.13.2 Intelligent Vehicle Connection System
• 3.14 SAIC ROEWE
  • 3.14.1 Layout of In-vehicle Payment Application Scenarios
  • 3.14.2 Unconscious Payment Function of Banma Zhixing Interconnect System
• 3.15 Other OEMs
  • 3.15.1 Human Horizons' Layout of In-vehicle Payment Application Scenarios
  • 3.15.2 GAC's In-vehicle Payment Patent Filings
  • 3.15.3 Xiaomi's In-vehicle Payment Patent Filings

4 In-vehicle Payment Platforms

• 4.1 VISA
  • 4.1.1 In-vehicle Payment Business
  • 4.1.2 In-vehicle Payment Transaction Mechanism
  • 4.1.3 Cloud Token Framework
• 4.2 China UnionPay
  • 4.2.1 In-vehicle Payment Business
  • 4.2.2 In-vehicle Payment System and Method
  • 4.2.3 T-Box-based In-Vehicle Payment System and Method
  • 4.2.4 In-vehicle Payment System and Method
• 4.3 Alipay
  • 4.3.1 In-vehicle Payment Business
  • 4.3.2 Intelligent Risk Control Engine - AlphaRisk
  • 4.3.3 In-vehicle Payment Ecosystem
  • 4.3.4 ETC-based In-vehicle Payment
  • 4.3.5 Payment Processing Methods Based on License Plate Numbers
• 4.4 Huawei
  • 4.4.1 In-vehicle Payment Business
  • 4.4.2 Smart Refueling Station Solution
  • 4.4.3 V2X-based In-vehicle Payment System
• 4.5 Other In-vehicle Payment Platforms
  • 4.5.1 Xevo
  • 4.5.2 IPS Group
  • 4.5.3 ZF
  • 4.5.4 DABCO

5 In-vehicle Payment Summary and Trends

• 5.1 Summary of Telematics Development
• 5.2 Development Path of In-vehicle Payment
• 5.3 SWOT Analysis of In-vehicle Payment
• 5.4 Mobile Payment Habit Formation
• 5.5 Technological Environment for In-vehicle Payment
• 5.6 There Will Be Bigger Space to Imagine In-vehicle Payment Data Mining and Application