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市场调查报告书
商品编码
1613806

车内付款·ETC的中国市场(2024年)

In-vehicle Payment and ETC Market Research Report, 2024
出版日期: | 出版商: ResearchInChina | 英文 220 Pages | 商品交期: 最快1-2个工作天内

价格
简介目录

1.主机厂加强按需订阅服务布局。

随着车辆OTA能力的提升，智慧汽车的商业模式从传统的新车销售转变为 "硬体+软体" 的结合，功能订阅成为主机厂布局的很大一部分。奥迪、宝马、宾士等公司已宣布推出丰富的订阅套餐，扩展资讯娱乐、ADAS 和照明等功能。

订阅服务已成为主机厂增加服务内容和收入的重要手段。

奥迪已于 2024 年加速开发并推出 "按需订阅" 服务。 2024 年 3 月，2025 年奥迪 A3 在欧洲推出了订阅车型，具有远光辅助、自适应巡航控制和备受关注的双区气候控制等功能。

马自达于 2024 年 9 月推出马自达互联服务。在美国，您只需支付 10 美元/月或 120 美元/年，即可获得远端免钥匙进入、车辆状态报告等。

特斯拉宣布将于2025年第一季在欧洲和中国推出驾驶辅助产品 "全自动驾驶" 。中国地区的订阅价格预计为98美元/月，约合人民币711元/月。

通用汽车 (GM) 的目标是到 2026 年透过数十种新的付费数位功能大幅增加非车辆收入。

目前IVI上可以购买OEM订阅服务，用户可以在IVI上浏览订阅服务并进入付款介面。但主要的支付方式是用手机扫描二维码。例如，用户透过AITO M9的IVI购买ADS高级功能包，或透过EXEED凌云的IVI更新车用语音助理。

手机车载支付并没有真正实现车载支付的闭环。为了打破这一僵局，原始设备製造商正在推出 IVI 原生支付系统。借助 Mercedes pay+，梅赛德斯-奔驰客户甚至不需要手机或密码。例如，您只需使用指纹即可购买订阅服务，例如订购增加转向角度的后轮转向系统。

2. IVI 应用程式商店拓展车内购买场景

透过丰富的应用生态，IVI应用程式商店不仅可以增强用户的个人化娱乐体验，还可以实现应用生态的可扩展性，拓展车载购买和支付场景。

广汽集团公布基于应用商店的车载支付专利

2024年4月，广汽集团公布车载应用商店支付专利 "一种购买车载商品的方法、装置、电子设备及储存媒体" 。该专利验证用户资讯和车辆讯息，将订单发送至支付云端伺服器，无需用户扫描IVI二维码即可完成付款。

多个 HARMAN Ignite Store 应用程式现支援车内支付

2024 年 1 月，哈曼将 Harman Ignite Store 支付解决方案加入 Harman Ignite Store。该产品由 Samsung Checkout 提供支持，与 OEM 钱包整合并支援多个支付服务提供者。 Harman Ignite Store 让 OEM 能够存取 70 多个应用程式。

本报告提供中国的汽车付款·ETC市场相关调查分析，提供汽车付款，汽车订阅服务，车内消费，汽车ETC的各市场相关资讯。

目录

第1章 汽车付款市场概要

  • 车上支付的发展历程
  • 车载支付应用场景
  • 车上支付系统流程
  • 主流车上支付方式
  • 车上支付产业链
  • 车上支付平台
  • 车载支付生态系统
  • 车载支付专利
  • 车上支付消费者
  • 车载支付互动方式

第2章 汽车订阅服务市场

  • 汽车订阅服务概要
  • 汽车订阅的人气功能
  • 汽车订阅服务的市场预测
  • 汽车订阅OEM的案例
  • 汽车订阅OEM的经营模式
  • 汽车订阅的消费者

第3章 车内消费市场

  • OEM车内消费设计
  • BMW
  • Mercedes-Benz
  • Honda
  • Hyundai
  • Renault Samsung Motors
  • Jaguar Land Rover
  • Ford
  • Great Wall Motor
  • Xpeng
  • Geely
  • Chery
  • AITO
  • SAIC Volkswagen
  • SAIC Roewe
  • Other OEMs
  • 供应商车内消费设计
  • VISA
  • China UnionPay
  • Alipay
  • Huawei
  • 其他的汽车付款管道

第4章 汽车ETC，摩擦无付款

  • 汽车ETC的定义与分类
  • 汽车ETC的开发过程
  • 汽车ETC的政策环境
  • 汽车ETC产业的规模
  • 汽车ETC的产业链
  • 有代表性的汽车ETC企业
  • OEM ETC设计
  • OEM ETC设计概要

第5章 汽车付款的摘要和趋势

  • 车载支付发展总结
  • 车上支付的发展历程
  • 车上支付的SWOT分析
  • 养成行动支付的习惯
  • 车上支付的技术环境
  • 车载支付资料探勘与利用潜力大
  • 功能订阅服务等数位服务可带来更多价值
  • 趋势1
  • 趋势2
  • 趋势3
  • 趋势4
简介目录
Product Code: ZQ005

Research on in-vehicle payment and ETC: analysis on three major application scenarios of in-vehicle payment

In-vehicle payment refers to users selecting and purchasing goods or services in the car and completing the payment in vehicles. The application scenarios are mainly divided into three categories: function subscription, in-vehicle shopping, and in-vehicle ETC.

Function subscription: Users can purchase function packages such as seat heating, parking assistance, sign recognition, and lane change warning through IVI.

In-vehicle shopping: Users purchase or pay for parking, refueling, charging, car washing, or road/bridge tolls, or purchase items , such as movies, music, games, etc. from the automotive mall via IVI.

Automotive ETC: ETC automatically pays highway tolls, parking fees, etc.

With the diversification of automotive ecological services, the increase of in-vehicle consumption entrances, and the expanding application scenarios of in-vehicle payment, smart cars are expected to become the next generation of "mobile wallets" after mobile phones.

1. OEMs strengthen the layout of on-demand subscription services

With the improvement of vehicle OTA capabilities, the smart car business model has changed from traditional new car sales to a combination of "hardware + software", and function subscription has become a major part of the layout of OEMs. Audi, BMW, Mercedes-Benz, etc. have launched rich subscription packages to expand functions in infotainment, ADAS, lighting and other scenarios.

Subscription services have become an important way for OEMs to increase service content and revenue:

Audi accelerated the development and launch of "on-demand subscription" services in 2024. In March 2024, the 2025 Audi A3 in Europe introduced a subscription model for features such as high-beam assist, adaptive cruise control, and the much-talked-about dual-zone climate control.

Mazda launched the Mazda Connected Services in September 2024. Car owners can enjoy things like remote keyless entry and vehicle status reports for US$10/month or US$120/year.

Tesla says it will launch its "Full Self Driving" driver assistance product in Europe and China in Q1 2025. The subscription price in China is expected to be US$98/month, or approximately RMB711/month.

General Motors aims to turbocharge its non-vehicle revenue by introducing dozens of new fee-based digital features by 2026, including one enabling a car to predict when it will need maintenance, a top executive said on Thursday.

Currently, OEMs' subscription services can be purchased on IVI, and users can view subscription services on IVI and enter the payment interface. However, in terms of payment methods, payment is mainly made by scanning QR codes with mobile phones, for example, users purchase the high-level function package of ADS on the IVI of AITO M9 or renew the in-vehicle voice assistant on the IVI of EXEED Lingyun.

In-vehicle payment with mobile phones does not truly realize the closed loop of payment in vehicles. To break this deadlock, OEMs have launched IVI-native payment systems. With "Mercedes pay+", Mercedes-Benz customers do not need a mobile phone or even a password. They can purchase subscription services, such as ordering a rear-wheel steering system with a larger steering angle, simply through fingerprint recognition.

2. IVI application stores will expand in-vehicle purchase scenarios

Through rich ecological applications, IVI application stores can not only enhance the personalized and entertaining experience of users, but also attain the scalability of the application ecology and expand in-vehicle purchase and payment scenarios.

GAC announced a patent for in-vehicle payment based on the App store

In April 2024, GAC announced an in-vehicle App store payment patent - "Method, device, electronic equipment and storage medium for purchasing in-vehicle goods". This patent confirms user information and vehicle information, sends the order to the payment cloud server, and completes the deduction without the user having to scan the QR code on IVI to pay.

Multiple Apps in the HARMAN Ignite Store support in-vehicle payment

In January 2024, Harman added Harman Ignite Store Payments solution to Harman Ignite Store. The product backed by Samsung Checkout integrates with OEM wallets and supports multiple payment service providers. The Harman Ignite Store allows OEMs to access more than 70 Apps, including:

ChargePoint provides services like searching charging stations, charging and payment while driving.

Vector Unit offers In-vehicle games, so that users can play games such as "Beach Buggy Racing" directly on the automotive display.

Mavi: "Mavi OnMyWay" solution is designed to bring safe, easy, curated shopping to the dashboard of consumers' favorite connected cars. The solution is available via the Harman Ignite Store connected vehicle platform in vehicles that are equipped with Harman Ignite. It offers a seamless, cross-platform (from home to car) retail experience.

3. The expanded capabilities of AI assistants broaden in-vehicle payment scenarios.

With the combination of AI assistants and foundation models, active interaction capabilities and perception of vehicle sensors are enhanced, giving rise to a large number of in-vehicle payment scenarios. The vehicle can take action in advance before the user makes a request. Especially in some shopping scenes, the vehicle can provide users with full-process services such as demand perception, product selection and payment.

Alipay uses foundation models to provide in-vehicle payment in a pure voice mode

In September 2024, Alipay launched an autotmotive assistant named "Zhi Xiao Bao" based on the Ant Bailing foundation model. By connecting to the Alipay ecosystem, "Zhi Xiao Bao" can quickly book tickets, order food, hail taxis and the like through a pure voice mode, and can also give personalized advices according to the users' living habits, time and location, for example, it can automatically remind users that their vehicles are running low on power and help them find nearby parking lots and charging stations. In addition, voice-only smart ordering and express delivery are also being planned.

Overall, Zhi Xiao Bao will rely on Alipay's digital cockpit capabilities to complete in-vehicle payment. In terms of the payment process, Zhi Xiao Bao will be connected with the IVI system based on the Alipay account system. Regarding payment scenarios, it will use Alipay's powerful service system to cover more than 8,000 life services. As for payment methods, Zhi Xiao Bao will leverage Alipay's technology to enable various authentication methods such as password-free payment, face scanning payment, and voiceprint payment.

As of September 2024, Alipay had seen more than 1 billion users registered with real names and more than 300 million car owners, and had certified more than 100 million vehicles. Alipay has carried out in-depth cooperation with BYD, NIO, FAW Toyota, FAW Hongqi, FAW Audi, Xpeng, GAC Honda, FAW Volkswagen, Volvo and other brands. In mid-October, the executive in charge of Alipay stated that a large number of OEMs had expressed interest in Zhi Xiao Bao after its debut in early September, .

Huawei Celia actively perceives data such as the fuel level and completes the closed loop payment

The smart refueling function of the in-vehicle smart assistant "Celia" can not only provide car owners with a one-stop refueling service without having to get off cars or queuing, but can also actively perceive data such as the fuel level and vehicle location, and provide a closed-loop payment system of refueling reminders -> online payment -> one-click issuance of electronic invoices.

During driving, Celia will actively perceive the fuel level and user's refueling habits. When the fuel level is low, it will inform the user of the remaining mileage and remind the user to refuel in time. When the user arrives at the gas station, Celia will ask whether to activate the smart refueling service based on the user's geographic location, allowing the user to quickly find the smart refueling application. During the refueling payment process, the user can select the fuel gun number and fuel number on the IVI screen, enter the refueling amount and pay online, and get an electronic invoice with one click. The user does not need to get off the vehicle during the entire refueling process, which is more convenient and efficient. At the same time, the refueling service under the same Huawei account will be actively pushed to the user's mobile phone under Celia's suggestion, so that the service can be accessed through multiple entrances. This function is currently available on AITO M7.

4. ETC charging scenarios continue to expand, and ETC-based smart parking, smart refueling, smart charging and other services are launched.

ETC is the earliest in-vehicle payment scenario. The vehicle information recognition and automatic deduction allow car owners to pay easily without any feeling. Driven by ETC-related policies, the number of ETC users has grown rapidly. In 2023, the penetration rate of ETC hit more than 85% in China. It is expected to exceed 90% in 2024.

ETC is mainly used in three major scenarios: highways, multi-lane traffic flow (mainly toll stations for urban roads, bridges and tunnels with concentrated traffic flow), and smart parking lots. At the same time, ETC further spreads to scenarios such as refueling, charging, and car washing. The following companies have deployed the ETC business.

Xinlian Technology provides comprehensive automotive services such as Internet refueling, smart parking, and smart car washing based on ETC.

Trans Tech has launched smart transportation derivative businesses with "ETC+" as the core, like ETC+charging+parking, ETC+smart parking, ETC+refueling.

Genvict applies ETC to smart transportation fields such as smart parking and frictionless payment for refueling and charging.

Since 2020, the Ministry of Industry and Information Technology of the People's Republic of China (MIIT) has successively issued several policies requiring OEMs to provide optional ETC solutions.

In 2020, the Ministry of Industry and Information Technology proposed the concept of "ETC OEM" for the first time, allowing cars to have ETC equipment installed in advance before leaving the factory, and car owners can directly activate it when purchasing cars.

In April 2020, the Ministry of Industry and Information Technology announced that starting from January 1, 2021, new vehicle models applying for approval should be equipped with ETC equipment that uses direct power supply.

Subsequently, OEMs such as NIO and BYD began to launch OEM ETC equipment. OEM ETC equipment is not only more concise and beautiful in terms of wiring, but can also be deeply integrated with IVI, empowering more ETC application scenarios.

Table of Contents

1 Overview of In-vehicle Payment Market

  • 1.1 Development History of In-vehicle Payment
  • 1.2 Application Scenarios of In-vehicle Payment
    • 1.2.1 In-vehicle Subscription Services
    • 1.2.2 In-vehicle Shopping Services
    • 1.2.3 In-vehicle ETC and Frictionless Payment
  • 1.3 In-vehicle Payment System Process
  • 1.4 Mainstream In-vehicle Payment Methods
  • 1.5 In-vehicle Payment Industry Chain
  • 1.6 In-vehicle Payment Platform
  • 1.7 In-vehicle Payment Ecosystem
  • 1.8 In-vehicle Payment Patents
    • 1.8.1 In-vehicle Payment Patent Map
    • 1.8.2 In-vehicle Payment Patent Layout of OEMs
    • 1.8.3 In-vehicle Payment Patent Layout of Suppliers
    • 1.8.4 In-vehicle Payment Patent Layout of Ecological Companies
  • 1.9 In-vehicle Payment Consumers
    • 1.9.1 Domestic In-vehicle Payment Consumption
    • 1.9.2 Foreign In-vehicle Payment Consumption
  • 1.10 In-vehicle Payment Interaction Methods
    • 1.10.1 Application of HMI in In-vehicle Payment
    • 1.10.2 Touch Payment Cases in In-vehicle Payment
    • 1.10.3 Voice Payment Cases in In-vehicle Payment
    • 1.10.4 Face Recognition Payment Cases in In-vehicle Payment
    • 1.10.5 Fingerprint Recognition Payment Cases in In-vehicle Payment
    • 1.10.6 HMI Technology Trends

2 In-vehicle Subscription Service Market

  • 2.1 Overview of In-vehicle Subscription Services
  • 2.2 Popular Functions of In-vehicle Subscription
  • 2.3 Market Prospects of In-vehicle Subscription Services
  • 2.4 In-vehicle Subscription OEM Cases
    • 2.4.1 In-vehicle Subscription OEM Cases (1)
    • 2.4.2 In-vehicle Subscription OEM Cases (2)
    • 2.4.3 In-vehicle Subscription OEM Cases (3)
    • 2.4.4 In-vehicle Subscription OEM Cases (4)
    • 2.4.5 In-vehicle Subscription OEM Cases (5)
    • 2.4.6 In-vehicle Subscription OEM Cases (6)
    • 2.4.7 In-vehicle Subscription OEM Cases (7)
  • 2.5 In-vehicle Subscription OEM Business Models
  • 2.6 In-Vehicle Subscription Consumers

3 In-vehicle Shopping Market

  • 3.1 In-vehicle Shopping Layout of OEMs
  • 3.2 BMW
    • 3.2.1 Layout in In-vehicle Payment Application Scenarios
    • 3.2.2 Smart Parking
    • 3.2.3 Smart Parking Process
    • 3.2.4 Online Payment for Gas and Parking Fees in Germany
    • 3.2.5 In-vehicle Payment Service System
    • 3.2.6 In-vehicle Payment Based on Voiceprint Recognition
  • 3.3 Mercedes-Benz
    • 3.3.1 Layout in In-vehicle Payment Application Scenarios
    • 3.3.2 In-vehicle Refueling Payment
    • 3.3.3 In-vehicle Parking Payment
    • 3.3.4 Comparison between Mercedes pay and Mercedes pay+
  • 3.4 Honda
    • 3.4.1 Layout in In-vehicle Payment Application Scenarios
    • 3.4.2 Honda CONNECT
    • 3.4.3 Dream Drive System
  • 3.5 Hyundai
    • 3.5.1 Layout in In-vehicle Payment Application Scenarios
    • 3.5.2 Hyundai Pay
  • 3.6 Renault Samsung Motors
    • 3.6.1 Layout in In-vehicle Payment Application Scenarios
  • 3.7 Jaguar Land Rover
    • 3.7.1 Layout in In-vehicle Payment Application Scenarios
    • 3.7.2 In-vehicle Refueling (Charging) Payment
    • 3.7.3 In-vehicle Refueling Payment Process
  • 3.8 Ford
    • 3.8.1 Layout in In-vehicle Payment Application Scenarios
    • 3.8.2 In-vehicle Trading System
    • 3.8.3 In-vehicle Payment Communication System and Method
  • 3.9 Great Wall Motor
    • 3.9.1 Layout in In-vehicle Payment Application Scenarios
    • 3.9.2 Smart Parking
    • 3.9.3 Smart Refueling and Smart Car Washing
  • 3.10 Xpeng
    • 3.10.1 Layout in In-vehicle Payment Application Scenarios
    • 3.10.2 In-vehicle Payment
  • 3.11 Geely
    • 3.11.1 Layout in In-vehicle Payment Application Scenarios
    • 3.11.2 In-vehicle Payment Communication System and Method
  • 3.12 Chery
    • 3.12.1 Layout in In-vehicle Payment Application Scenarios
    • 3.12.2 In-vehicle Face Payment of EXEED
    • 3.12.3 Online Parking Fee Payment System
  • 3.13 AITO
    • 3.13.1 Layout in In-vehicle Payment Application Scenarios
    • 3.13.2 Frictionless Payment of Parking Fees
    • 3.13.3 Frictionless Payment of Charging Fees
    • 3.13.4 Celia Smart Payment
    • 3.13.5 In-vehicle Face Verification Payment
  • 3.14 SAIC Volkswagen
    • 3.14.1 Layout in In-vehicle Payment Application Scenarios
    • 3.14.2 Smart Connectivity System
  • 3.15 SAIC Roewe
    • 3.15.1 Layout in In-vehicle Payment Application Scenarios
    • 3.15.2 Frictionless Payment of Banma Zhixing's Interconnection System
  • 3.16 Other OEMs
    • 3.16.1 In-vehicle Payment Application Scenario Layout of Human Horizons
    • 3.16.2 GAC's In-vehicle Payment Patents
    • 3.16.3 Xiaomi's In-vehicle Payment Patents
    • 3.16.4 Skoda Launched Pay to Fuel
  • 3.17 In-vehicle Shopping Layout of Suppliers
  • 3.18 VISA
    • 3.18.1 In-vehicle Payment Business
    • 3.18.2 In-vehicle Payment Mechanism
    • 3.18.3 Cloud Token Framework
  • 3.19 China UnionPay
    • 3.19.1 In-vehicle Payment Business
    • 3.19.2 In-vehicle Payment System and Method
    • 3.19.3 In-vehicle Payment System and Method Based on T-Box
    • 3.19.4 In-vehicle Payment System and Method
  • 3.20 Alipay
    • 3.20.1 In-vehicle Payment Business
    • 3.20.2 AlphaRisk
    • 3.20.3 In-vehicle Payment Ecology
    • 3.20.4 In-vehicle Charging Layout
    • 3.20.5 ETC-based In-vehicle Payment
    • 3.20.6 Payment Method Based on License Plate Numbers
  • 3.21 Huawei
    • 3.21.1 In-vehicle Payment Business
    • 3.21.2 Smart Gas Station Solution
    • 3.21.3 V2X-based In-vehicle Payment System
  • 3.22 Other In-vehicle Payment Platforms
    • 3.22.1 Xevo
    • 3.22.2 IPS Group
    • 3.22.3 ZF
    • 3.22.4 DABCO
    • 3.22.5 Sheeva.AI
    • 3.22.6 JPMorgan Chase
    • 3.22.7 Software Republique
    • 3.22.8 FORVIA
    • 3.22.9 Harman

4 In-vehicle ETC and Frictionless Payment

  • 4.1 Definition and Classification of In-vehicle ETC
  • 4.2 Development History of In-vehicle ETC
  • 4.3 In-vehicle ETC Policy Environment
  • 4.4 Scale of In-vehicle ETC Industry
  • 4.5 In-vehicle ETC Industry Chain
    • 4.5.1 Upstream Industry Chain
    • 4.5.2 Midstream Industry Chain
    • 4.5.3 Downstream Industry Chain
  • 4.6 Typical In-vehicle ETC Companies
    • 4.6.1 Xinlian Technology
    • 4.6.2 Trans Tech
    • 4.6.3 Genvict
    • 4.6.4 ETC Business Layout of Other Suppliers
  • 4.7 OEM ETC Layout
    • 4.7.1 NIO
    • 4.7.2 Great Wall Motor
    • 4.7.3 Audi
  • 4.7 Ford
    • 4.7.5 Tesla
    • 4.7.6 BYD
  • 4.8 Summary of OEM ETC Layout

5 Summary and Trends of In-Vehicle Payment

  • 5.1 Summary of In-Vehicle Payment Development
  • 5.2 Development Path of In-Vehicle Payment
  • 5.3 SWOT Analysis of In-Vehicle Payment
  • 5.4 Cultivate the Habit of Using Mobile Payment
  • 5.5 In-vehicle Payment Technology Environment
  • 5.6 In-vehicle Payment Data Mining and Application Will Have Greater Potential
  • 5.7 Digital Services such as Function Subscription Services Realize More Value
  • 5.8 Trend 1
  • 5.9 Trend 2
  • 5.10 Trend 3
  • 5.11 Trend 4