In today's mobile Internet world, mobile phones have become a hub-like presence. In just a short period of ten years, smartphones completely changed people's lives, including shopping. A few days ago I read the news and a foreign reporter left Beijing A day of eating, shopping, shopping without cash, a cell phone all get.And a French brother live hoping to quickly introduce WeChat to France, so shopping can be used to pay the WeChat, without carrying cash. Now, we have completely entered a cashless society, basically do not have to carry cash, do you remember the last time you use cash to buy it? Although the mobile payment is unlikely to make the cash disappear, but indeed more than cash Pay a lot easier. There are two main forms of mobile payment, one is online payment, such as the usual mobile phone Taobao, Jingdong and other online shopping; another line through the smart phone terminal to pay, the most common case is that we usually go to the supermarket to buy Things and then sweep the two-dimensional code payment.These two ways are also known as near-field payment and far-field payment. Actually, mobile payment has appeared before the advent of smartphones, and the earliest mobile payment in China appeared in 1999. In the same year, China Mobile began to carry out mobile payment in some provinces and cities such as Guangdong with some financial departments such as Industrial and Commercial Bank of China and China Merchants Bank Business pilot .2002, CUP launched the first generation of mobile payment model, interactive transactions completed by SMS, mobile phone calls can be achieved inquiries and payment and other services.  In fact, early mobile payment was mainly implemented through NFC (Near Field Communication), and in 2004 Philips, Sony and Nokia co-sponsored the NFC Forum and started to promote the commercial application of NFC technology. In 2005, China United Bank Set up a special project team responsible for tracking and studying the development of NFC, and soon China UnionPay launched a mobile payment solution based on financial IC card chip in 2006. In April 2009, China Unicom introduced a built-in NFC chip customization However, with the rise of 3G networks and the prevalence of POS terminals at the time, as well as the disagreement of NFC technology standards, the payment of NFC technology gradually became silent. Time came in 2011, this year in the history of China's mobile payment is destined to be remembered for a year, not just by the end of October this year, China's total number of 3G users has reached 110 million, an increase of 71.36 million over the same period last year, 3G The user penetration rate reached 11.3%, China's mobile phone users reached 964 million, a huge potential customer base that mobile payment has brought tremendous potential and room for development .And this year also took place a very historic event, In June this year, the central bank issued the first batch of 27 third-party payment licenses and obtained licenses from UnionPay, Alipay, UnionPay Business, TenPay and Quick Money. At this stage, the three major operators have also set up mobile payment companies.China Mobile set up China Mobile e-commerce Co., Ltd. in July 2011, and China Unicom set up Unicom Voith Network Technology Co., Ltd. in April 2011. China Mobile Telecom established Tianyi E-Commerce Co., Ltd. in March 2012. In December 2011, the mobile payment subsidiaries of the three major operators obtained the payment business licenses promulgated by the Central Bank at the same time. It is also during this time period, another mobile payment changes appear: two-dimensional code.In fact, the two-dimensional code payment is not a new thing, as early as the 90's of last century, two-dimensional code payment has been formed, Among them, Japan and South Korea are the countries that pay with the two-dimensional code earlier, but at this time, the two-dimensional code payment does not have the ability to identify and intercept malicious websites, which gives the mobile phone virus a great space for communication. In 2011, Alipay launched the barcode payment service, marking the opening of the online barcode scanning payment era. Subsequently, August 9, 2013 was also a memorable day. On this day, the WeChat version 5.0 was released and new WeChat payment function, formally challenged Alipay.After that we remembered the 2014 Chinese New Year red envelopes war, with this war, WeChat payment quickly approached Alipay.  And at this point in time there is one thing that has played an important role in promoting the mobile payment of mobile phones: Taxiing In 2012, taxi software appeared, but in the early days there was no large-scale influence that did not change people's travel patterns until 2014 In 2001, Alibaba and Tencent respectively subsidized more than 10 billion yuan to their support taxi software to take taxi subsidies to consumers, while taxis are used by mobile phone software to pay , Which means that the two are not only fighting for the share of the taxi market, but also behind the move to seize the mobile payment portal and cultivate the user's mobile payment habits. This year's double 12 is also a worthwhile point in time, this year's double 12 is Alipay's first large-scale offline promotion, the same day Alipay joint 20,000 offline stores launch Alipay wallet payment hit 50% off activities Alipay 's double-12 at 3:30 pm transaction data show that the Alipay wallet nationwide pay more than 400 million pen.This is confirming the sentence, what the publicity is not as direct and effective discount.  In 2014, in addition to the above incident, but also a far-reaching thing happened that year in September, Apple held its fall new conference, at the meeting in addition to the latest version of iPhone, but also released Apple mobile payment solutions Apple Pay on December 20 in the United States formally launched February 18, 2016 5:00 am in China on the line, and WeChat, Alipay code scanning payment, Apple Pay NFC payment, yes, NFC is back With a strong appeal, Apple Pay bundled more than 38 million bundled bank cards in 12 hours, which greatly contributed to the development of NFC payment. Later, Samsung launched Samsung Pay in March, Xiaomi launched Mi Pay in August and Huawei launched Huawei Pay. However, what Apple ordered was helpless is that in its online market in China, China's mobile payment market has already been divided by Alipay and WeChat in 2016 , User spending habits have also been developed, so Apple Pay in China to take the road is still very difficult. As the early two-dimensional code payment in many aspects is not perfect, so the security is relatively low, so the same is in 2014, in March this year, the central bank released "on the suspension of Alipay offline bar code (two-dimensional code) payment And other business opinion letter ", requires a full assessment of offline bar code (two-dimensional code) payment, virtual credit card compliance and security.But in July the same year, Alipay on a low key to restart the QR code payment and subsidies in Shanghai In August, WeChat payment also launched a 'face to face money' function, restart the two-dimensional code payment.But the payment method from the original customer scanning merchant's QR code into Customers generate two-dimensional code, and then by the merchant handheld POS terminal scanning and reading, the safety is relatively higher. On August 3, 2016, the Payment and Settlement Association issued the "Bar Code Payment Business Code" (Draft for Comment) to payment agencies. The draft release clearly states the security standards to be followed for payment agencies to carry out barcode business. This is the first official recognition of two-dimensional Code payment status. Subsequent October 13, 2016, Alipay launched the collection of two-dimensional code. This year, there was another event promoting the payment of sweep code: the appearance of a shared bicycle, the scanning of the two-dimensional code on a bicycle by a mobile phone, and the payment by mobile phone after riding ended up further enhancing the advantage of the sweep payment . In 2017, one thing was very interesting. In May this year, China UnionPay formally launched more than 40 commercial banks of China UnionPay with the two-dimensional code products of the Bank of China, including non-bank institutions such as Jingdong Finance and Commentary Group, as well as other non- In recent years, China UnionPay was the absolute supporter of NFC payment. In December 2015, China UnionPay formally launched the 'cloud-flash payment' product with more than 20 commercial banks A week later, CUP announced its cooperation with Apple and Samsung, and the change in attitude of China UnionPay on mobile payment also showed the advantage of scanning code payment in mobile payment. However, China UnionPay's two-dimensional code payment and Alipay, WeChat two-dimensional code payment concept is different, China UnionPay's two-dimensional code payment is based on the card organization, card issuers, merchants and acquirers 'Quartet model', which is As an open standard, CUP hopes more and more institutions will be involved. With CUP as one of the infrastructure providers, access to this system is equivalent to accessing the existing reception environment of CUP, so more institutions Accept the standard, the more favorable to it. The WeChat, Alipay payment is a direct bank's 'three-way model'. In contrast with the opening of the UnionPay, both Alipay and WeChat try to build a wall trying hard to make other opponents unable to enter this area As much as possible to reduce competition. When it comes to this, basically it should be over, and the development prospect and future of mobile payment are very much anticipated. Especially the emergence of unmanned supermarkets and unmanned shelves will make new changes in the payment methods of shopping. Future payments will not only involve the issue of payment security, more about the issue of human credit, perhaps the credit payment era also not far away from us.
In today's mobile Internet world, mobile phones have become a hub-like presence. In just a short period of ten years, smartphones completely changed people's lives, including shopping. A few days ago I read the news and a foreign reporter left Beijing A day of eating, shopping, shopping without cash, a cell phone all get.And a French brother live hoping to quickly introduce WeChat to France, so shopping can be used to pay the WeChat, without carrying cash. Now, we have completely entered a cashless society, basically do not have to carry cash, do you remember the last time you use cash to buy it? Although the mobile payment is unlikely to make the cash disappear, but indeed more than cash Pay a lot easier. There are two main forms of mobile payment, one is online payment, such as the usual mobile phone Taobao, Jingdong and other online shopping; another line through the smart phone terminal to pay, the most common case is that we usually go to the supermarket to buy Things and then sweep the two-dimensional code payment.These two ways are also known as near-field payment and far-field payment. Actually, mobile payment has appeared before the advent of smartphones, and the earliest mobile payment in China appeared in 1999. In the same year, China Mobile began to carry out mobile payment in some provinces and cities such as Guangdong with some financial departments such as Industrial and Commercial Bank of China and China Merchants Bank Business pilot .2002, CUP launched the first generation of mobile payment model, interactive transactions completed by SMS, mobile phone calls can be achieved inquiries and payment and other services. In fact, early mobile payment was mainly implemented through NFC (Near Field Communication), and in 2004 Philips, Sony and Nokia co-sponsored the NFC Forum and started to promote the commercial application of NFC technology. In 2005, China United Bank Set up a special project team responsible for tracking and studying the development of NFC, and soon China UnionPay launched a mobile payment solution based on financial IC card chip in 2006. In April 2009, China Unicom introduced a built-in NFC chip customization However, with the rise of 3G networks and the prevalence of POS terminals at the time, as well as the disagreement of NFC technology standards, the payment of NFC technology gradually became silent. Time came in 2011, this year in the history of China's mobile payment is destined to be remembered for a year, not just by the end of October this year, China's total number of 3G users has reached 110 million, an increase of 71.36 million over the same period last year, 3G The user penetration rate reached 11.3%, China's mobile phone users reached 964 million, a huge potential customer base that mobile payment has brought tremendous potential and room for development .And this year also took place a very historic event, In June this year, the central bank issued the first batch of 27 third-party payment licenses and obtained licenses from UnionPay, Alipay, UnionPay Business, TenPay and Quick Money. At this stage, the three major operators have also set up mobile payment companies.China Mobile set up China Mobile e-commerce Co., Ltd. in July 2011, and China Unicom set up Unicom Voith Network Technology Co., Ltd. in April 2011. China Mobile Telecom established Tianyi E-Commerce Co., Ltd. in March 2012. In December 2011, the mobile payment subsidiaries of the three major operators obtained the payment business licenses promulgated by the Central Bank at the same time. It is also during this time period, another mobile payment changes appear: two-dimensional code.In fact, the two-dimensional code payment is not a new thing, as early as the 90's of last century, two-dimensional code payment has been formed, Among them, Japan and South Korea are the countries that pay with the two-dimensional code earlier, but at this time, the two-dimensional code payment does not have the ability to identify and intercept malicious websites, which gives the mobile phone virus a great space for communication. In 2011, Alipay launched the barcode payment service, marking the opening of the online barcode scanning payment era. Subsequently, August 9, 2013 was also a memorable day. On this day, the WeChat version 5.0 was released and new WeChat payment function, formally challenged Alipay.After that we remembered the 2014 Chinese New Year red envelopes war, with this war, WeChat payment quickly approached Alipay. And at this point in time there is one thing that has played an important role in promoting the mobile payment of mobile phones: Taxiing In 2012, taxi software appeared, but in the early days there was no large-scale influence that did not change people's travel patterns until 2014 In 2001, Alibaba and Tencent respectively subsidized more than 10 billion yuan to their support taxi software to take taxi subsidies to consumers, while taxis are used by mobile phone software to pay , Which means that the two are not only fighting for the share of the taxi market, but also behind the move to seize the mobile payment portal and cultivate the user's mobile payment habits. This year's double 12 is also a worthwhile point in time, this year's double 12 is Alipay's first large-scale offline promotion, the same day Alipay joint 20,000 offline stores launch Alipay wallet payment hit 50% off activities Alipay 's double-12 at 3:30 pm transaction data show that the Alipay wallet nationwide pay more than 400 million pen.This is confirming the sentence, what the publicity is not as direct and effective discount. In 2014, in addition to the above incident, but also a far-reaching thing happened that year in September, Apple held its fall new conference, at the meeting in addition to the latest version of iPhone, but also released Apple mobile payment solutions Apple Pay on December 20 in the United States formally launched February 18, 2016 5:00 am in China on the line, and WeChat, Alipay code scanning payment, Apple Pay NFC payment, yes, NFC is back With a strong appeal, Apple Pay bundled more than 38 million bundled bank cards in 12 hours, which greatly contributed to the development of NFC payment. Later, Samsung launched Samsung Pay in March, Xiaomi launched Mi Pay in August and Huawei launched Huawei Pay. However, what Apple ordered was helpless is that in its online market in China, China's mobile payment market has already been divided by Alipay and WeChat in 2016 , User spending habits have also been developed, so Apple Pay in China to take the road is still very difficult. As the early two-dimensional code payment in many aspects is not perfect, so the security is relatively low, so the same is in 2014, in March this year, the central bank released "on the suspension of Alipay offline bar code (two-dimensional code) payment And other business opinion letter ", requires a full assessment of offline bar code (two-dimensional code) payment, virtual credit card compliance and security.But in July the same year, Alipay on a low key to restart the QR code payment and subsidies in Shanghai In August, WeChat payment also launched a 'face to face money' function, restart the two-dimensional code payment.But the payment method from the original customer scanning merchant's QR code into Customers generate two-dimensional code, and then read by the merchant hand-held POS terminals to read, the safety is relatively higher. On August 3, 2016, the Payment and Settlement Association issued the "Bar Code Payment Business Code" (Draft for Comment) to payment agencies. The draft release clearly states the security standards to be followed for payment agencies to carry out barcode business. This is the first official recognition of two-dimensional Code payment status. Subsequent October 13, 2016, Alipay launched the collection of two-dimensional code. This year, there was another event promoting the payment of sweep code: the appearance of a shared bicycle, the scanning of the two-dimensional code on a bicycle by a mobile phone, and the payment by mobile phone after riding ended up further enhancing the advantage of the sweep payment .  In 2017, one thing was very interesting. In May this year, China UnionPay formally launched more than 40 commercial banks of China UnionPay with the two-dimensional code products of the Bank of China, and non-bank institutions such as Jingdong Financial Group and Commentary Group also announced their participation. In recent years, China UnionPay was the absolute supporter of NFC payment. In December 2015, China UnionPay formally launched the 'cloud-flash payment' product with more than 20 commercial banks A week later, CUP announced its cooperation with Apple and Samsung, and the change in attitude of China UnionPay on mobile payment also showed the advantage of scanning code payment in mobile payment. However, China UnionPay's two-dimensional code payment and Alipay, WeChat two-dimensional code payment concept is different, China UnionPay's two-dimensional code payment is based on the card organization, card issuers, merchants and acquirers 'Quartet model', which is As an open standard, CUP hopes more and more institutions will be involved. With CUP as one of the infrastructure providers, access to this system is equivalent to accessing the existing reception environment of CUP, so more institutions Accept the standard, the more favorable to it. The WeChat, Alipay payment is a direct bank's 'three-way model'. In contrast with the opening of the UnionPay, both Alipay and WeChat try to build a wall trying hard to make other opponents unable to enter this area As much as possible to reduce competition. When it comes to this, basically it should be over, and the development prospect and future of mobile payment is very much anticipated. Especially the emergence of unmanned supermarkets and unmanned shelves will make new changes in the payment methods of shopping. Future payments will not only involve the issue of payment security, more about the issue of human credit, perhaps the credit payment era also not far away from us.
|
