This cool, cool feature is implemented on a mobile payment product called Quick Brush. After the payment industry called the "big limit" on September 1, two batches of 40 companies that have already obtained licenses began a higher level of competition - from products to platforms, from the Internet to the mobile Internet.
The giants have accelerated their pace of entering the payment field. Shanda announced that its wholly-owned subsidiary Shengfutong has launched a new domain name. NetEase payment tool NetEase has also recently launched a micro-payment function. After Alipay and UnionPay have successively launched fast payment products, another giant has quickly launched a complete set of money. The payment platform "Fast +" and the mobile payment strategy based on the platform, and for the first time showcased a new generation of mobile payment products - "fast brush" and "mobile payment middleware."
The competition in the market has brought about the accelerated formation of the mobile payment industry chain. "The mobile payment industry will also enter an explosive growth period." Guan Guoguang, CEO of the third-party payment company, said in an interview with the media, "The popularity of e-commerce has prompted In this context, a healthy and harmonious industrial ecosystem based on openness, integration and synergy is taking shape.
â—Open is essential
"In 2011, 30% of the payments were face-to-face, and 70% were non-face-to-face." Guan Guoguang, CEO of Fast Money, said that electronic payment has developed faster than previously expected.
According to the statistics of iResearch, in the second quarter of 2011, the national online payment transaction amounted to 456.6 billion yuan, a year-on-year increase of 117.6%. Whether online or offline, payments are growing rapidly. Huang Ping, director of the Bank Card Business Management Division of the People's Bank of China's Payment and Settlement Department, said at a financial exhibition payment forum held recently: "China's electronic payment system is entering a fast-rising channel."
The smoke of the third-party payment market competition has been repeatedly ignited, and the entire market seems to have become a racetrack for large-scale payment companies to compete in product technology overnight. First, Alipay, fast money and other companies competed with the bank to achieve strategic cooperation, in order to expand their resource advantages; immediately, Alipay, UnionPay and other companies have launched fast payment products, a few days ago, fast money for the merchants launched an open and integrated payment platform " Fast +" to promote competition from products to platforms. Relevant person introduction: "'Quick' represents the team, products and services of fast money, '+' is reflected in the three aspects of '+ partners', '+ merchants', '+ users', aiming to open and integrate The concept runs through the entire product platform."
It is understood that "+ partners" refers to a wide range of partners and partners to build a sound industrial ecosystem. Today, the total number of banks and financial institutions that are allied with fast money has reached more than 80, covering more than 300 bank interfaces. “+ Merchants†refers to the merchant resources and needs accumulated by the quick money integration, and supports the merchants to implant various innovative applications as needed. It is reported that fast money in the industry is the first to introduce credit card no card payment, large-value gateway payment, IVR voice payment and other types of online and offline payment products. “+User†means that the payment products under the “Quick+†platform are based on simple and convenient operation experience, covering various payment terminals and various payment media, so as to be applicable to different payment scenarios. According to statistics, so far, the number of merchants working with fast money has reached 1.1 million, and the transaction volume exceeded 400 billion yuan last year. The transaction volume this year is expected to reach 1.2 trillion yuan.
â—The trend of the mobile trend
In the field of mobile payment that has received much attention, the value of open integration of the industry chain has become more prominent. According to iResearch data, the overall size of China's mobile payment market reached 20.25 billion yuan in 2010, a year-on-year increase of 31.1%. Among China's 800 million mobile phone users, 303 million users have already opened mobile Internet, accounting for 37.9% of the total. It is estimated that by 2012, the scale of mobile payment transactions will exceed 100 billion yuan.
To this end, fast money will inject three core values ​​into the new generation of mobile payment. Based on the fast + platform, Quick Money recently launched mobile payment products such as “mobile payment middleware†and “fast brushâ€, forming a complete mobile payment from middleware, new generation WAP gateway, mobile client to “fast brush†on the spot. product line. Therefore, Fast Money expects to cooperate with all parties such as Bank, UnionPay, operators and terminal equipment manufacturers to build a complete mobile payment ecosystem and provide comprehensive support for merchants' mobile applications.
It is understood that the "quick brush" mobile payment products integrate mobile communication, mobile sensing, including the use of mobile networks to quickly implement innovative technologies such as card docking, and will further extend it to the most important three aspects of mobile payment in the future: remote Payments, on-site payments, and industry value-added services create a truly industry-leading mobile payment solution. Some analysts pointed out: "Mobile payment is an industrial chain. Banks, mobile operators, merchants, and payment companies are all participants in this industry chain ecosystem. The concept of openness, interoperability and integration is to establish an inter-integrated industrial ecology. Circle is crucial"
Analysys International believes that the development of mobile Internet and smart phones, regardless of the increasing demand for mobile payment by mobile application developers or users, is of great significance in constructing the ecological environment of mobile e-commerce applications. Guan Guoguang said, “With the increasing coverage of smartphones and the increasing scale of traditional e-commerce, the trend of payment transfer to mobile is very certain.†Zhang Xiuping, deputy general manager of the cash management department of Agricultural Bank of China It is believed that in the process of mobile payment development, the most concerned are three aspects: safe, convenient, fast, and indispensable; after these three conditions are met, the rapid development of mobile payment is just around the corner.
Text / Luo Wei
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