2024年车载支付及ETC市场研究报告 -In-vehicle Payment and ETC Market Research Report,2024

In-vehiclePaymentandETCMarketResearchReport,2024

Dec.2024

Researchonin-vehiclepaymentandETC:analysisonthreemajorapplicationscenariosofin-vehiclepayment

In-vehiclepaymentreferstousersselectingandpurchasinggoodsorservicesinthecarandcompletingthepaymentinvehicles.Theapplicationscenariosaremainlydividedintothreecategories:functionsubscription,in-vehicleshopping,andin-vehicleETC.

Functionsubscription:Userscanpurchasefunctionpackagessuchasseatheating,parkingassistance,signrecognition,andlanechangewarningthroughIVI.

In-vehicleshopping:Userspurchaseorpayforparking,refueling,charging,carwashing,orroad/bridgetolls,orpurchaseitems,suchasmovies,music,games,etc.fromtheautomotivemallviaIVI.

AutomotiveETC:ETCautomaticallypayshighwaytolls,parkingfees,etc.

Withthediversificationofautomotiveecologicalservices,theincreaseofin-vehicleconsumptionentrances,andtheexpandingapplicationscenariosofin-vehiclepayment,smartcarsareexpectedtobecomethenextgenerationof"mobilewallets"aftermobilephones.

1.OEMsstrengthenthelayoutofon-demandsubscriptionservices

WiththeimprovementofvehicleOTAcapabilities,thesmartcarbusinessmodelhaschangedfromtraditionalnewcarsalestoacombinationof"hardware+software",andfunctionsubscriptionhasbecomeamajorpartofthelayoutofOEMs.Audi,BMW,Mercedes-Benz,etc.havelaunchedrichsubscriptionpackagestoexpandfunctionsininfotainment,ADAS,lightingandotherscenarios.

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On-demandSubscriptionserviceLayoutofOEMs

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SubscriptionserviceshavebecomeanimportantwayforOEMs

SubscriptionserviceshavebecomeanimportantwayforOEMstoincreaseservicecontentandrevenue:Audiacceleratedthedevelopmentandlaunchof"on-demandsubscription"servicesin2024.InMarch2024,the2025AudiA3inEuropeintroducedasubscriptionmodelforfeaturessuchashigh-beamassist,adaptivecruisecontrol,andthemuch-talked-aboutdual-zoneclimatecontrol.

MazdalaunchedtheMazdaConnectedServicesinSeptember2024.CarownerscanenjoythingslikeremotekeylessentryandvehiclestatusreportsforUS$10/monthorUS$120/year.

Teslasaysitwilllaunchits"FullSelfDriving"driverassistanceproductinEuropeandChinainQ12025.ThesubscriptionpriceinChinaisexpectedtobeUS$98/month,orapproximatelyRMB711/month.

GeneralMotorsaimstoturbochargeitsnon-vehiclerevenuebyintroducingdozensofnewfee-baseddigitalfeaturesby2026,includingoneenablingacartopredictwhenitwillneedmaintenance,atopexecutivesaidonThursday.

Currently,OEMs’subscriptionservicescanbepurchasedonIVI,anduserscanviewsubscriptionservicesonIVIandenterthepaymentinterface.However,intermsofpaymentmethods,paymentismainlymadebyscanningQRcodeswithmobilephones,forexample,userspurchasethehigh-levelfunctionpackageofADSontheIVIofAITOM9orrenewthein-vehiclevoiceassistantontheIVIofEXEEDLingyun.

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MainChineseandForeignAutomotive4DRadarProductsMap

In-vehiclepaymentwithmobilephonesdoesnottrulyrealizetheclosedloopofpaymentinvehicles.Tobreakthisdeadlock,OEMshavelaunchedIVI-nativepaymentsystems.With"Mercedespay+",Mercedes-Benzcustomersdonotneedamobilephoneorevenapassword.Theycanpurchasesubscriptionservices,suchasorderingarear-wheelsteeringsystemwithalargersteeringangle,simplythroughfingerprintrecognition.

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IVIapplicationstoreswillexpandin-vehiclepurchasescenarios

2.IVIapplicationstoreswillexpandin-vehicle

purchasescenarios

Throughrichecologicalapplications,IVIapplicationstorescannotonlyenhancethepersonalizedandentertainingexperienceofusers,butalsoattainthescalabilityoftheapplicationecologyandexpandin-vehiclepurchaseandpaymentscenarios.

GACannouncedapatentforin-vehiclepaymentbasedontheAppstore

InApril2024,GACannouncedanin-vehicleAppstorepaymentpatent-"Method,device,electronicequipmentandstoragemediumforpurchasingin-vehiclegoods".Thispatentconfirmsuserinformationandvehicleinformation,sendstheordertothepaymentcloudserver,andcompletesthedeductionwithouttheuserhavingtoscantheQRcodeonIVItopay.

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HarmanaddedHarmanIgniteStorePaymentssolutiontoHarmanIgniteStore

InJanuary2024,HarmanaddedHarmanIgniteStorePaymentssolutiontoHarmanIgniteStore.TheproductbackedbySamsungCheckoutintegrateswithOEMwalletsandsupportsmultiplepaymentserviceproviders.TheHarmanIgniteStoreallowsOEMstoaccessmorethan70Apps,including:

ChargePointprovidesserviceslikesearchingchargingstations,chargingandpaymentwhiledriving.

VectorUnitoffersIn-vehiclegames,sothatuserscanplaygamessuchas"BeachBuggyRacing"directlyontheautomotivedisplay.Mavi:“MaviOnMyWay”solutionisdesignedtobringsafe,easy,curatedshoppingtothedashboardofconsumers’favoriteconnectedcars.ThesolutionisavailableviatheHarmanIgniteStoreconnectedvehicleplatforminvehiclesthatareequippedwithHarmanIgnite.Itoffersaseamless,cross-platform(fromhometocar)retailexperience.

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TheexpandedcapabilitiesofAIassistantsbroadenin-vehiclepaymentscenarios

3.TheexpandedcapabilitiesofAIassistantsbroadenin-vehiclepaymentscenarios.

WiththecombinationofAIassistantsandfoundationmodels,activeinteractioncapabilitiesandperceptionofvehiclesensorsareenhanced,givingrisetoalargenumberofin-vehiclepaymentscenarios.Thevehiclecantakeactioninadvancebeforetheusermakesarequest.Especiallyinsomeshoppingscenes,thevehiclecanprovideuserswithfull-processservicessuchasdemandperception,productselectionandpayment.

Alipayusesfoundationmodelstoprovidein-vehiclepaymentinapurevoicemode

InSeptember2024,Alipaylaunchedanautomotiveassistantnamed"ZhiXiaoBao"basedontheAntBailingfoundationmodel.ByconnectingtotheAlipayecosystem,"ZhiXiaoBao"canquicklybooktickets,orderfood,hailtaxisandthelikethroughapurevoicemode,andcanalsogivepersonalizedadvicesaccordingtotheusers'livinghabits,timeandlocation,forexample,itcanautomaticallyremindusersthattheirvehiclesarerunninglowonpowerandhelpthemfindnearbyparkinglotsandchargingstations.Inaddition,voice-onlysmartorderingandexpressdeliveryarealsobeingplanned.

Overall,ZhiXiaoBaowillrelyonAlipay'sdigitalcockpitcapabilitiestocompletein-vehiclepayment.Intermsofthepaymentprocess,ZhiXiaoBaowillbeconnectedwiththeIVIsystembasedontheAlipayaccountsystem.Regardingpaymentscenarios,itwilluseAlipay'spowerfulservicesystemtocovermorethan8,000lifeservices.Asforpaymentmethods,ZhiXiaoBaowillleverageAlipay’stechnologytoenablevariousauthenticationmethodssuchaspassword-freepayment,facescanningpayment,andvoiceprintpayment.

AsofSeptember2024,Alipayhadseenmorethan1billionusersregisteredwithrealnamesandmorethan300millioncarowners,andhadcertifiedmorethan100millionvehicles.Alipayhascarriedoutin-depthcooperationwithBYD,NIO,FAWToyota,FAWHongqi,FAWAudi,Xpeng,GACHonda,FAWVolkswagen,Volvoandotherbrands.Inmid-October,theexecutiveinchargeofAlipaystatedthatalargenumberofOEMshadexpressedinterestinZhiXiaoBaoafteritsdebutinearlySeptember.

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HuaweiCeliaactivelyperceivesdatasuchasthefuellevelandcompletestheclosedlooppayment

HuaweiCeliaactivelyperceivesdatasuchasthefuellevelandcompletestheclosedlooppayment

Thesmartrefuelingfunctionofthein-vehiclesmartassistant“Celia”cannotonlyprovidecarownerswithaone-stoprefuelingservicewithouthavingtogetoffcarsorqueuing,butcanalsoactivelyperceivedatasuchasthefuellevelandvehiclelocation,andprovideaclosed-looppaymentsystemofrefuelingreminders→onlinepayment→one-clickissuanceofelectronicinvoices.

Duringdriving,Celiawillactivelyperceivethefuellevelanduser'srefuelinghabits.Whenthefuellevelislow,itwillinformtheuseroftheremainingmileageandremindtheusertorefuelintime.Whentheuserarrivesatthegasstation,Celiawillaskwhethertoactivatethesmartrefuelingservicebasedontheuser'sgeographiclocation,allowingtheusertoquicklyfindthesmartrefuelingapplication.Duringtherefuelingpaymentprocess,theusercanselectthefuelgunnumberandfuelnumberontheIVIscreen,entertherefuelingamountandpayonline,andgetanelectronicinvoicewithoneclick.Theuserdoesnotneedtogetoffthevehicleduringtheentirerefuelingprocess,whichismoreconvenientandefficient.Atthesametime,therefuelingserviceunderthesameHuaweiaccountwillbeactivelypushedtotheuser'smobilephoneunderCelia’ssuggestion,sothattheservicecanbeaccessedthroughmultipleentrances.ThisfunctioniscurrentlyavailableonAITOM7.

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ETCchargingscenarioscontinuetoexpand,andETC-basedsmartparking,smartrefueling,smartchargingandotherservicesarelaunched

4.ETCchargingscenarioscontinuetoexpand,andETC-basedsmartparking,smartrefueling,smartchargingandotherservicesarelaunched.

ETCistheearliestin-vehiclepaymentscenario.Thevehicleinformationrecognitionandautomaticdeductionallowcarownerstopayeasilywithoutanyfeeling.DrivenbyETC-relatedpolicies,thenumberofETCusershasgrownrapidly.In2023,thepenetrationrateofETChitmorethan85%inChina.Itisexpectedtoexceed90%in2024.

ETCismainlyusedinthreemajorscenarios:highways,multi-lanetrafficflow(mainlytollstationsforurbanroads,bridgesandtunnelswithconcentratedtrafficflow),andsmartparkinglots.Atthesametime,ETCfurtherspreadstoscenariossuchasrefueling,charging,andcarwashing.ThefollowingcompanieshavedeployedtheETCbusiness.

lXinlianTechnologyprovidescomprehensiveautomotiveservicessuchasInternetrefueling,smartparking,andsmartcarwashingbasedonETC.

lTransTechhaslaunchedsmarttransportationderivativebusinesseswith"ETC+"asthecore,likeETC+charging+parking,ETC+smartparking,ETC+refueling.

lGenvictappliesETCtosmarttransportationfieldssuchassmartparkingandfrictionlesspaymentforrefuelingandcharging.

Since2020,theMinistryofIndustryandInformationTechnologyofthePeople'sRepublicofChina(MIIT)hassuccessivelyissuedseveralpoliciesrequiringOEMstoprovideoptionalETCsolutions.

In2020,theMinistryofIndustryandInformationTechnologyproposedtheconceptof"ETCOEM"forthefirsttime,allowingcarstohaveETCequipmentinstalledinadvancebeforeleavingthefactory,andcarownerscandirectlyactivateitwhenpurchasingcars.

InApril2020,theMinistryofIndustryandInformationTechnologyannouncedthatstartingfromJanuary1,2021,newvehiclemodelsapplyingforapprovalshouldbeequippedwithETCequipmentthatusesdirectpowersupply.

Subsequently,OEMssuchasNIOandBYDbegantolaunchOEMETCequipment.OEMETCequipmentisnotonlymoreconciseandbeautifulintermsofwiring,butcanalsobedeeplyintegratedwithIVI,empoweringmoreETCapplicationscenarios.

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"ETC"ProductLayout

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TableofContent(1)

1OverviewofIn-vehiclePaymentMarket

1.1DevelopmentHistoryofIn-vehiclePayment

1.2ApplicationScenariosofIn-vehiclePayment

1.2.1In-vehicleSubscriptionServices

1.2.2In-vehicleShoppingServices

1.2.3In-vehicleETCandFrictionlessPayment

1.3In-vehiclePaymentSystemProcess

1.4MainstreamIn-vehiclePaymentMethods

1.5In-vehiclePaymentIndustryChain

1.6In-vehiclePaymentPlatform

1.7In-vehiclePaymentEcosystem

1.8In-vehiclePaymentPatents

1.8.1In-vehiclePaymentPatentMap

1.8.2In-vehiclePaymentPatentLayoutofOEMs

1.8.3In-vehiclePaymentPatentLayoutofSuppliers

1.8.4In-vehiclePaymentPatentLayoutofEcologicalCompanies

1.9In-vehiclePaymentConsumers

1.9.1DomesticIn-vehiclePaymentConsumption

1.9.2ForeignIn-vehiclePaymentConsumption

1.10In-vehiclePaymentInteractionMethods

1.10.1ApplicationofHMIinIn-vehiclePayment

1.10.2TouchPaymentCasesinIn-vehiclePayment

1.10.3VoicePaymentCasesinIn-vehiclePayment

1.10.4FaceRecognitionPaymentCasesinIn-vehiclePayment

1.10.5FingerprintRecognitionPaymentCasesinIn-vehiclePayment

1.10.6HMITechnologyTrends

2In-vehicleSubscriptionServiceMarket

2.1OverviewofIn-vehicleSubscriptionServices

2.2PopularFunctionsofIn-vehicleSubscription

2.3MarketProspectsofIn-vehicleSubscriptionServices

2.4In-vehicleSubscriptionOEMCases

2.4.1In-vehicleSubscriptionOEMCases(1)

2.4.2In-vehicleSubscriptionOEMCases(2)

2.4.3In-vehicleSubscriptionOEMCases(3)

2.4.4In-vehicleSubscriptionOEMCases(4)

2.4.5In-vehicleSubscriptionOEMCases(5)

2.4.6In-vehicleSubscriptionOEMCases(6)

2.4.7In-vehicleSubscriptionOEMCases(7)

2.5In-vehicleSubscriptionOEMBusinessModels

2.6In-VehicleSubscriptionConsumers

3In-vehicleShoppingMarket

3.1In-vehicleShoppingLayoutofOEMs

3.2BMW

3.2.1LayoutinIn-vehiclePaymentApplicationScenarios

3.2.2SmartParking

3.2.3SmartParkingProcess

3.2.4OnlinePaymentforGasandParkingFeesinGermany

3.2.5In-vehiclePaymentServiceSystem

3.2.6In-vehiclePaymentBasedonVoiceprintRecognition

3.3Mercedes-Benz

3.3.1LayoutinIn-vehiclePaymentApplicationScenarios

3.3.2In-vehicleRefuelingPayment

3.3.3In-vehicleParkingPayment

3.3.4ComparisonbetweenMercedespayandMercedespay+

3.4Honda

3.4.1LayoutinIn-vehiclePaymentApplicationScenarios

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TableofContent(2)

3.4.2HondaCONNECT

3.4.3DreamDriveSystem

3.5Hyundai

3.5.1LayoutinIn-vehiclePaymentApplicationScenarios

3.5.2HyundaiPay

3.6RenaultSamsungMotors

3.6.1LayoutinIn-vehiclePaymentApplicationScenarios

3.7JaguarLandRover

3.7.1LayoutinIn-vehiclePaymentApplicationScenarios

3.7.2In-vehicleRefueling(Charging)Payment

3.7.3In-vehicleRefuelingPaymentProcess

3.8Ford

3.8.1LayoutinIn-vehiclePaymentApplicationScenarios

3.8.2In-vehicleTradingSystem

3.8.3In-vehiclePaymentCommunicationSystemandMethod

3.9GreatWallMotor

3.9.1LayoutinIn-vehiclePaymentApplicationScenarios

3.9.2SmartParking

3.9.3SmartRefuelingandSmartCarWashing

3.10Xpeng

3.10.1LayoutinIn-vehiclePaymentApplicationScenarios

3.10.2In-vehiclePayment

3.11Geely

3.11.1LayoutinIn-vehiclePaymentApplicationScenarios

3.11.2In-vehiclePaymentCommunicationSystemandMethod

3.12Chery

3.12.1LayoutinIn-vehiclePaymentApplicationScenarios

3.12.2In-vehicleFacePaymentofEXEED

3.12.3OnlineParkingFeePaymentSystem

3.13AITO

3.13.1LayoutinIn-vehiclePaymentApplicationScenarios

3.13.2FrictionlessPaymentofParkingFees

3.13.3FrictionlessPaymentofChargingFees

3.13.4CeliaSmartPayment

3.13.5In-vehicleFaceVerificationPayment

3.14SAICVolkswagen

3.14.1LayoutinIn-vehiclePaymentApplicationScenarios

3.14.2SmartConnectivitySystem

3.15SAICRoewe

3.15.1LayoutinIn-vehiclePaymentApplicationScenarios

3.15.2FrictionlessPaymentofBanmaZhixing’sInterconnectionSystem

3.16OtherOEMs

3.16.1In-vehiclePaymentApplicationScenarioLayoutofHumanHorizons

3.16.2GAC’sIn-vehiclePaymentPatents

3.16.3Xiaomi’sIn-vehiclePaymentPatents

3.16.4SkodaLaunchedPaytoFuel

3.17In-vehicleShoppingLayoutofSuppliers

3.18VISA

3.18.1In-vehiclePaymentBusiness

3.18.2In-vehiclePaymentMechanism

3.18.3CloudTokenFramework

3.19ChinaUnionPay

3.19.1In-vehiclePaymentBusiness

3.19.2In-vehiclePaymentSystemandMethod

3.19.3In-vehiclePaymentSystemandMethodBasedonT-Box

3.19.4In-vehiclePaymentSystemandMethod

3.20Alipay

3.20.1In-vehiclePaymentBusiness

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