車内決済・ETCの中国市場（2024年）

1. OEMはオンデマンドサブスクリプションサービスのレイアウトを強化します。

車両OTA機能の向上により、スマートカーのビジネスモデルは従来の新車販売から「ハードウェア+ソフトウェア」の組み合わせへと変化し、機能サブスクリプションがOEMのレイアウトの大部分を占めるようになっています。Audi、BMW、Mercedes-Benzなどは、インフォテインメント、ADAS、照明などの機能を拡張する豊富なサブスクリプションパッケージを発表しました。

サブスクリプションサービスは、OEMがサービスコンテンツと収益を増やすための重要な手段となっています。

Audiは、2024年に「オンデマンドサブスクリプション」サービスの開発と発売を加速させました。2024年3月、欧州では2025 Audi A3が、ハイビームアシスト、アダプティブクルーズコントロール、話題のデュアルゾーンクライメートコントロールなどの機能のサブスクリプションモデルを導入しました。

Mazdaは2024年9月にMazda Connected Servicesを開始しました。米国では月額10ドルまたは年間120ドルでリモートキーレスエントリーや車両ステータスレポートなどを利用できます。

Teslaは、2025年第1四半期に欧州と中国で運転支援製品「Full Self Driving」を発売すると発表しています。中国でのサブスクリプション価格は98米ドル/月、約711人民元/月になる見込みです。

General Motors（GM）は、2026年までに数十の新しい有料デジタル機能を搭載することで、車両以外の収益を急増させることを目指しています。

現在、OEMのサブスクリプションサービスはIVIで購入することができ、ユーザーはIVIでサブスクリプションサービスを閲覧し、決済インターフェースに入ることができます。しかし、決済方法に関しては主に、携帯電話でQRコードをスキャンすることで行われています。例えば、ユーザーはAITO M9のIVIでADSの高度機能パッケージを購入したり、EXEED LingyunのIVIで車載音声アシスタントを更新したりします。

携帯電話による車載決済は、車載決済のクローズドループを真に実現するものではありません。この行き詰まりを打破するため、OEM各社はIVIネイティブの決済システムを立ち上げています。Mercedes pay+では、Mercedes-Benzの顧客は携帯電話もパスワードさえも必要としません。例えば、ステアリング角度を大きくした後輪ステアリングシステムを注文するといったサブスクリプションサービスを、指紋認証だけで購入することができます。

2. IVIアプリケーションストアが車内での購入のシナリオを拡大する

豊富な生態系アプリケーションを通じて、IVIアプリケーションストアはユーザーのパーソナライズされた娯楽体験を高めるだけでなく、アプリケーション生態系のスケーラビリティを達成し、車内での購入と決済のシナリオを拡大することができます。

GAC、アプリストアに基づく車載決済の特許を発表

2024年4月、GACは車載アプリストアの決済特許「Method, device, electronic equipment and storage medium for purchasing in-vehicle goods」を発表しました。この特許は、ユーザー情報と車両情報を確認し、注文を決済クラウドサーバーに送信し、ユーザーがIVIのQRコードをスキャンすることなく決済を完了します。

HARMAN Ignite Storeの複数のアプリが車載決済に対応

2024年1月、HarmanはHarman Ignite StoreにHarman Ignite Store Paymentsソリューションを追加しました。Samsung Checkoutに支えられたこの製品は、OEMのウォレットと統合し、複数の決済サービスプロバイダーに対応します。Harman Ignite Storeでは、OEMは70を超えるアプリにアクセスできます。

当レポートでは、中国の車載決済・ETC市場について調査分析し、車載決済、車載サブスクリプションサービス、車内ショッピング、車載ETCの各市場に関する情報を提供しています。

目次

第1章 車載決済市場の概要

• 車載決済の開発経緯
• 車載決済の応用シナリオ
• 車載決済システムの流れ
• 主流の車載決済方法
• 車載決済の産業チェーン
• 車載決済プラットフォーム
• 車載決済エコシステム
• 車載決済特許
• 車載決済の消費者
• 車載決済のインタラクション方法

第2章 車載サブスクリプションサービス市場

• 車載サブスクリプションサービスの概要
• 車載サブスクリプションの人気機能
• 車載サブスクリプションサービスの市場見通し
• 車載サブスクリプションOEMの事例
• 車載サブスクリプションOEMのビジネスモデル
• 車載サブスクリプションの消費者

第3章 車内ショッピング市場

• OEMの車内ショッピングレイアウト
• 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
• サプライヤーの車内ショッピングレイアウト
• VISA
• China UnionPay
• Alipay
• Huawei
• その他の車載決済プラットフォーム

第4章 車載ETC、フリクションレス決済

• 車載ETCの定義と分類
• 車載ETCの開発経緯
• 車載ETCの政策環境
• 車載ETC産業の規模
• 車載ETCの産業チェーン
• 代表的な車載ETC企業
• OEM ETCレイアウト
• OEM ETCレイアウトの概要

第5章 車載決済の要約と動向

• 車載決済開発の要約
• 車載決済の開発経緯
• 車載決済のSWOT分析
• モバイル決済の習慣を身につける
• 車載決済の技術環境
• 車載決済データのマイニングと利用は大きな可能性を秘めている
• 機能サブスクリプションサービスなどのデジタルサービスがさらなる価値を実現
• 動向1
• 動向2
• 動向3
• 動向4

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