2015 is a year of paying for the initial competition of big players. WeChat payment and Alipay subsidize offline. The US group and reviews have launched Flash Pay as a big player in the catering industry. Apple, Samsung and other smart hardware vendors have launched various Pay. UnionPay knows shame and then bravely launched the cloud flash payment, Alipay is the blood of the local red won the Spring Festival Evening
What happened to the payment? How will the payment drama in 2016 be staged?
Billion State Power Network specially invited senior payment practitioners Yunzhonghe to take a look at the current pattern of mobile payment, for new entrepreneurs to accurately grasp the entrepreneurial opportunities, for the practitioners to find the self-interest space in payment.
The strong rise of Alipay
Mobile payment has competed several times in the past. First, the two forces of the bank and the operator competed for NFC (Near Field Communication, also known as short-range wireless communication). NFC experienced two standards of 2.24G and 13.5 Hz, one is the bank standard and the other is the operator standard. In this competition, the bank standard won, but this victory did not bring about the development of mobile payment.
The technical standards of the bank can be well matched with the existing financial system, and the security is well protected, but the C-side cannot be modified. Operators have C-side advantages, but they can't play well. Why? It involves a mobile-end user transformation problem. You have to change your mobile phone and support 2.4G payment mobile phones. In comparison, it is normal for the bank to win at this time.
In this process of competition, another wave of companies with C-end advantages developed rapidly, which is the third-party payment represented by WeChat and Alipay. WeChat and Alipay did not take the system of UnionPay, established their own system, and made use of the more convenient QR code.
Therefore, in the market, in the past, we believe that the pattern that may be dominated by NFC has become a competition for two technical standards, QR code and NFC.
From the perspective of UnionPay, it is strongly resisting the QR code, because from the perspective of transaction security and professionalism, the QR code has many security risks, and it is not safe enough as a financial transaction.
However, WeChat and Alipay have a large number of trading scenarios, just like the UnionPay online game, but Alipay is not Alipay, it is Taobaoqiang. Because payment is a post-condition for a transaction, you can follow the transaction after the pre-trade payment.
What is the style of Alipay's system? It is simply the occupation of trading scenarios. Do not go to the front to destroy, give the user a side road, offline users still go to UnionPay, online users can choose UnionPay can also choose Alipay, but Alipay is the densely populated area, so along with the Alipay road More and more people, the road to Alipay is getting wider and wider, and the flow of UnionPay has been separated.
UnionPay wake up
Although NFC technology is much stronger than the two-dimensional code, in the past it faced many problems in the trading scene, you have to take a flash card (QuickPass) to touch (acquisition equipment, pos machine, etc.). In the past, I also did a stupid thing. The user must also transfer some money from the account to the account of Flash Pay. This procedure is especially troublesome, and some even have to go to the counter to operate. According to the rules of the Internet, one more user operation is less than one order of magnitude. What about who will go to the counter?
A major change in the pattern this year is that UnionPay launched the cloud flash payment. The cloud flash payment is actually the host simulation technology, which is essentially a set of virtual card issuance methods. In the past, UnionPay's NFC payment system used a card to touch the POS machine. Cloud flashing does not require the card to be used. The card is built into any object, such as a mobile phone, a watch, a wristband or a ring.
It turns out that the idea of ​​UnionPay is going to be based on the card. In fact, the whole transaction is de-cardized. Everyone can bring less of the same thing with less. One reason for WeChat payment and Alipay win is to directly simulate the account into the APP. The mobile phone is bound to be brought, and there are more scenes with the installed capacity of the APP.
What does it mean to simulate the card directly to the mobile phone? It means that the terminal using NFC on the C side will increase rapidly.
UnionPay has already cooperated with Apple Pay, then Samsung Pay and Huawei Pay. I believe that there will be Xiaomi Pay soon, and all the smart hardware will be Pay. What is the result of this?
In the past, we only used WeChat and Alipay to tie the card. Now we don't even need to build an account. Just tie it to a bank card. For example, a smart bracelet, or an APP, does not need to build Alipay's complicated account system, so that the bank can transfer the balance to Alipay. Pay directly with the cloud, tie a bank card, and settle the banking system.
In this way, there is a return to opportunity. In view of the cloud flash payment technology itself, NFC has an inherent advantage, using a better user experience and higher security. I think that if properly operated, this mechanism will become a favorable challenge for QR codes.
UnionPay lost in the last game, this time with the cloud flash to pay to pull this board back.
The key to winning is in operation
The payment is closer to the consumer, the lower the difficulty of the consumer, the higher the frequency, whoever takes the payment scenario.
Why is the red envelope so important? The red envelope promotes the binding of the card. To withdraw the red envelope from WeChat payment and Alipay account, the card must be tied. Why is Tencent's quick drop? It is to get closer to the consumer through such operations, and it is easier to tie the card.
The entire payment is an operational business, depending on the number of users at both ends.
WeChat and Alipay have the advantage of C-end users, but Cloud Flash Pay cooperates with Apple Pay and Samsung Pay. If the card is difficult, the C-side can develop rapidly. After all, Apple and Samsung have more influence on C-side users.
But for the B-side POS to be modified, to support cloud flash payment, Wang POS is the first Internet POS machine to get the UnionPay cloud flash payment certification. WeChat and Alipay are weak relative to UnionPay on the B side, but they have operational advantages, and I am not a big deal for WeChat subsidies.
In contrast, UnionPay does not operate, does not subsidize, it is very difficult, because it is bulk, not centralized. WeChat users will be subsidized for WeChat activities, and UnionPay will not be able to subsidize Samsung, Apple and Huawei users. So let's see how UnionPay thinks about this.
At present, Alipay is still used frequently because it occupies a large shopping market and cooperates with offline. The scene is quite rich. If UnionPay can cooperate with e-commerce companies, UnionPay actually missed a lot of opportunities to cooperate with e-commerce, resulting in the payment being taken away.
Therefore, in my opinion, the biggest enemy of UnionPay is not Alipay, nor WeChat. The biggest enemy of UnionPay should be the US group and the reviews. Because the US group has a deal, its value is equivalent to Taobao's support for Alipay. If the US group comments only support WeChat, do not support Alipay, the offline Yinlian Union and Alipay may have to lose, so Alipay's doom.
Hidden interest in payment
See how he exposes the hidden empire of payment
What is the past transaction method? The consumer corresponds to a card issuing bank, the issuing bank gives the user a card account; the offline merchant corresponds to an acquiring bank, and the acquiring bank opens a receiving number to the merchant. Users swipe their cards through POS machines, which actually exchange information through UnionPay and do the balance calculation.
In this process, each card has a commission, usually the fee is cut into three, which is the 721 account book we said, 7 to the issuing bank, 2 to the acquiring line, 1 to UnionPay. Handling fee = transaction amount * N coefficient, this coefficient has different commission changes according to different industries (from the minimum no handling fee to the maximum of 1.25%, the middle has 0.36%, 0.5%, 0.78% and other subdivision ratios).
Alipay
In the third-party Internet mobile payment system, it has nothing to do with UnionPay.
In the case of Alipay, the user has an Alipay account (usually a two-dimensional code under the line), and the merchant also has an Alipay receipt number, which is connected to Alipay's account at each bank. When the user consumes, the exchange of information and the balance calculation are completed in the Alipay background. The Alipay bank account 1 and the Alipay bank account 2 can directly make a difference transfer, and no bank fee is required.
The entire transaction of Alipay is completely self-closing, and the bank becomes a cashier. Moreover, if the POS machine is also Alipay, Alipay does not have to do any sub-accounting with anyone.
Now the central bank requires third-party payment to open a supervisory account in the bank, called Alipay special account, this money is earmarked for exclusive use, does not belong to Alipay. Alipay has a large amount of funds in the bank, and the bank is begging.
The background of the UnionPay cloud flash payment, the flow of money is the same as the traditional banknote card's back-end accounting system, but the use of front-end users is simpler, more convenient than WeChat and Alipay.
All smart manufacturers have built-in NFC every time the machine leaves the factory. Users only need to fill in the card number information on one page. Once verified, they can directly connect to UnionPay, consume the card, and directly use the bank account.
For smart vendors, it is equivalent to changing the wallet of each smart device. The wallet actually has a user ID. You can do a lot of things on it. For example, Apple can use Apple's mobile phone to do flashing in all places. Whoever has a user is equivalent to issuing a card, but only a virtual account.
Of course, the bank is also happy. The Alipay system is to use the bank as a cashier, and now the bank value has returned.
A big opportunity for aggregation payment Internet POS machines
POS machine So what is the Internet POS machine? If you are swiping, I will send the data to UnionPay. If you are Alipay, you will send it to Alipay. The Internet POS is to dock all the payment methods in one terminal, and to make routing on the terminal, it is very convenient for the merchant, and can use any POS machine to receive any money.
For each payment system, WeChat wants to be a self-loop of wealth, and Alipay has to do a self-loop, and merchants have to make several POS docks, which is very troublesome. If you install both virtual accounts into a POS machine, it is convenient.
With the arrival of cloud flash payment, the opportunity of the client is fully open, and any smart hardware can be paid, and even any APP can do it. With the large dispersion of the C-end, the acquirer is becoming more and more important, and a POS machine that is compatible with more C-sides is becoming more and more important.
In fact, what we are seeing now is the payment company. If the consumer finance is released in the future, every company with a payment account will immediately follow up on consumer credit. Since you can virtualize the card, you can virtualize the transaction, and you will soon have a virtual The credit card is coming out.
What happened to the payment? How will the payment drama in 2016 be staged?
Billion State Power Network specially invited senior payment practitioners Yunzhonghe to take a look at the current pattern of mobile payment, for new entrepreneurs to accurately grasp the entrepreneurial opportunities, for the practitioners to find the self-interest space in payment.
The strong rise of Alipay
Mobile payment has competed several times in the past. First, the two forces of the bank and the operator competed for NFC (Near Field Communication, also known as short-range wireless communication). NFC experienced two standards of 2.24G and 13.5 Hz, one is the bank standard and the other is the operator standard. In this competition, the bank standard won, but this victory did not bring about the development of mobile payment.
The technical standards of the bank can be well matched with the existing financial system, and the security is well protected, but the C-side cannot be modified. Operators have C-side advantages, but they can't play well. Why? It involves a mobile-end user transformation problem. You have to change your mobile phone and support 2.4G payment mobile phones. In comparison, it is normal for the bank to win at this time.
In this process of competition, another wave of companies with C-end advantages developed rapidly, which is the third-party payment represented by WeChat and Alipay. WeChat and Alipay did not take the system of UnionPay, established their own system, and made use of the more convenient QR code.
Therefore, in the market, in the past, we believe that the pattern that may be dominated by NFC has become a competition for two technical standards, QR code and NFC.
From the perspective of UnionPay, it is strongly resisting the QR code, because from the perspective of transaction security and professionalism, the QR code has many security risks, and it is not safe enough as a financial transaction.
However, WeChat and Alipay have a large number of trading scenarios, just like the UnionPay online game, but Alipay is not Alipay, it is Taobaoqiang. Because payment is a post-condition for a transaction, you can follow the transaction after the pre-trade payment.
What is the style of Alipay's system? It is simply the occupation of trading scenarios. Do not go to the front to destroy, give the user a side road, offline users still go to UnionPay, online users can choose UnionPay can also choose Alipay, but Alipay is the densely populated area, so along with the Alipay road More and more people, the road to Alipay is getting wider and wider, and the flow of UnionPay has been separated.
UnionPay wake up
Although NFC technology is much stronger than the two-dimensional code, in the past it faced many problems in the trading scene, you have to take a flash card (QuickPass) to touch (acquisition equipment, pos machine, etc.). In the past, I also did a stupid thing. The user must also transfer some money from the account to the account of Flash Pay. This procedure is especially troublesome, and some even have to go to the counter to operate. According to the rules of the Internet, one more user operation is less than one order of magnitude. What about who will go to the counter?
A major change in the pattern this year is that UnionPay launched the cloud flash payment. The cloud flash payment is actually the host simulation technology, which is essentially a set of virtual card issuance methods. In the past, UnionPay's NFC payment system used a card to touch the POS machine. Cloud flashing does not require the card to be used. The card is built into any object, such as a mobile phone, a watch, a wristband or a ring.
It turns out that the idea of ​​UnionPay is going to be based on the card. In fact, the whole transaction is de-cardized. Everyone can bring less of the same thing with less. One reason for WeChat payment and Alipay win is to directly simulate the account into the APP. The mobile phone is bound to be brought, and there are more scenes with the installed capacity of the APP.
What does it mean to simulate the card directly to the mobile phone? It means that the terminal using NFC on the C side will increase rapidly.
UnionPay has already cooperated with Apple Pay, then Samsung Pay and Huawei Pay. I believe that there will be Xiaomi Pay soon, and all the smart hardware will be Pay. What is the result of this?
In the past, we only used WeChat and Alipay to tie the card. Now we don't even need to build an account. Just tie it to a bank card. For example, a smart bracelet, or an APP, does not need to build Alipay's complicated account system, so that the bank can transfer the balance to Alipay. Pay directly with the cloud, tie a bank card, and settle the banking system.
In this way, there is a return to opportunity. In view of the cloud flash payment technology itself, NFC has an inherent advantage, using a better user experience and higher security. I think that if properly operated, this mechanism will become a favorable challenge for QR codes.
UnionPay lost in the last game, this time with the cloud flash to pay to pull this board back.
The key to winning is in operation
The payment is closer to the consumer, the lower the difficulty of the consumer, the higher the frequency, whoever takes the payment scenario.
Why is the red envelope so important? The red envelope promotes the binding of the card. To withdraw the red envelope from WeChat payment and Alipay account, the card must be tied. Why is Tencent's quick drop? It is to get closer to the consumer through such operations, and it is easier to tie the card.
The entire payment is an operational business, depending on the number of users at both ends.
WeChat and Alipay have the advantage of C-end users, but Cloud Flash Pay cooperates with Apple Pay and Samsung Pay. If the card is difficult, the C-side can develop rapidly. After all, Apple and Samsung have more influence on C-side users.
But for the B-side POS to be modified, to support cloud flash payment, Wang POS is the first Internet POS machine to get the UnionPay cloud flash payment certification. WeChat and Alipay are weak relative to UnionPay on the B side, but they have operational advantages, and I am not a big deal for WeChat subsidies.
In contrast, UnionPay does not operate, does not subsidize, it is very difficult, because it is bulk, not centralized. WeChat users will be subsidized for WeChat activities, and UnionPay will not be able to subsidize Samsung, Apple and Huawei users. So let's see how UnionPay thinks about this.
At present, Alipay is still used frequently because it occupies a large shopping market and cooperates with offline. The scene is quite rich. If UnionPay can cooperate with e-commerce companies, UnionPay actually missed a lot of opportunities to cooperate with e-commerce, resulting in the payment being taken away.
Therefore, in my opinion, the biggest enemy of UnionPay is not Alipay, nor WeChat. The biggest enemy of UnionPay should be the US group and the reviews. Because the US group has a deal, its value is equivalent to Taobao's support for Alipay. If the US group comments only support WeChat, do not support Alipay, the offline Yinlian Union and Alipay may have to lose, so Alipay's doom.
Hidden interest in payment
See how he exposes the hidden empire of payment
What is the past transaction method? The consumer corresponds to a card issuing bank, the issuing bank gives the user a card account; the offline merchant corresponds to an acquiring bank, and the acquiring bank opens a receiving number to the merchant. Users swipe their cards through POS machines, which actually exchange information through UnionPay and do the balance calculation.
In this process, each card has a commission, usually the fee is cut into three, which is the 721 account book we said, 7 to the issuing bank, 2 to the acquiring line, 1 to UnionPay. Handling fee = transaction amount * N coefficient, this coefficient has different commission changes according to different industries (from the minimum no handling fee to the maximum of 1.25%, the middle has 0.36%, 0.5%, 0.78% and other subdivision ratios).
Alipay
In the third-party Internet mobile payment system, it has nothing to do with UnionPay.
In the case of Alipay, the user has an Alipay account (usually a two-dimensional code under the line), and the merchant also has an Alipay receipt number, which is connected to Alipay's account at each bank. When the user consumes, the exchange of information and the balance calculation are completed in the Alipay background. The Alipay bank account 1 and the Alipay bank account 2 can directly make a difference transfer, and no bank fee is required.
The entire transaction of Alipay is completely self-closing, and the bank becomes a cashier. Moreover, if the POS machine is also Alipay, Alipay does not have to do any sub-accounting with anyone.
Now the central bank requires third-party payment to open a supervisory account in the bank, called Alipay special account, this money is earmarked for exclusive use, does not belong to Alipay. Alipay has a large amount of funds in the bank, and the bank is begging.
The background of the UnionPay cloud flash payment, the flow of money is the same as the traditional banknote card's back-end accounting system, but the use of front-end users is simpler, more convenient than WeChat and Alipay.
All smart manufacturers have built-in NFC every time the machine leaves the factory. Users only need to fill in the card number information on one page. Once verified, they can directly connect to UnionPay, consume the card, and directly use the bank account.
For smart vendors, it is equivalent to changing the wallet of each smart device. The wallet actually has a user ID. You can do a lot of things on it. For example, Apple can use Apple's mobile phone to do flashing in all places. Whoever has a user is equivalent to issuing a card, but only a virtual account.
Of course, the bank is also happy. The Alipay system is to use the bank as a cashier, and now the bank value has returned.
A big opportunity for aggregation payment Internet POS machines
POS machine So what is the Internet POS machine? If you are swiping, I will send the data to UnionPay. If you are Alipay, you will send it to Alipay. The Internet POS is to dock all the payment methods in one terminal, and to make routing on the terminal, it is very convenient for the merchant, and can use any POS machine to receive any money.
For each payment system, WeChat wants to be a self-loop of wealth, and Alipay has to do a self-loop, and merchants have to make several POS docks, which is very troublesome. If you install both virtual accounts into a POS machine, it is convenient.
With the arrival of cloud flash payment, the opportunity of the client is fully open, and any smart hardware can be paid, and even any APP can do it. With the large dispersion of the C-end, the acquirer is becoming more and more important, and a POS machine that is compatible with more C-sides is becoming more and more important.
In fact, what we are seeing now is the payment company. If the consumer finance is released in the future, every company with a payment account will immediately follow up on consumer credit. Since you can virtualize the card, you can virtualize the transaction, and you will soon have a virtual The credit card is coming out.
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