Editor's note: WeChat payment, Alipay, Apple pay... Presumably you used it very slippery in 2016, but is there anything that makes you feel uneasy? For example, Alipay has a security hole in the past two days. On January 11th, at the 2017 China Mobile Payment Annual Meeting, Lin Feng, director of the Mobile Payments Annual Meeting Organizing Committee, released the top ten keywords for the development of the mobile payment industry in 2016. The first one is “payment securityâ€. The following is a detailed interpretation of these top ten keywords by Lin Feng. This website is slightly organized and abridged.
Payment security
Its selection is in line with the current situation of the entire government, society and industry. Telecommunications network fraud incidents frequently reveal that mobile payment brings convenience and security problems. For example, CCTV 315 night exposure of the public POS machine loopholes and other public events. Later, the Ministry of Industry and Information Technology, the Ministry of Public Security, and the central bank issued notices on cracking down on telecommunication network fraud crimes. The central bank immediately introduced a series of measures to strengthen payment and settlement management. As a key link of financial services, mobile payment should take into account the convenience and security. It also calls on all parties in the industry to take responsibility for the land, do their utmost to cooperate, and cooperate to jointly undertake the task of ensuring mobile payment security.
2. Big data
Big data is not only a hot word in the mobile payment industry in 2016. With the promotion of the national big data strategy, “big data†can be said to be a hot word in the entire economy, society and various industries. The mobile payment industry is no exception, and mobile payment is big. The deep integration of data is the trend of mobile Internet development in the future. Mobile payment services will generate a large amount of data, which is the key to improving mobile payment experience, meeting the payment needs of diverse scenarios, and expanding value-added services such as marketing credit.
3. Aggregate payment
I believe that everyone has experienced in the daily mobile payment life, which greatly enhances the convenience and user experience of mobile payment. From the second half of 2016, a large number of aggregate payment products based on fragmentation of payment channels have emerged. Related entrepreneurs and industry companies are also popular with capital and industry. As an extension of the third-party payment platform service, Aggregation Payment integrates multiple interfaces and tools for comprehensive payment, which satisfies the needs of one-point access and multiple payment channels. It is convenient and flexible, and helps enterprises to provide scenario-based Payment service, build a complete payment system, and integrate transaction data between merchants in different channels to achieve data and refined operations.
4. QR code payment
For the two-dimensional code payment, the industry practitioners are no strangers. A few years ago, it was caused by a lot of controversy because of its security issues. Then everyone also discussed the development trend of QR code payment. In August 2016, the relevant departments The bar code payment service specification was issued, and the security standards that the payment institution should follow to carry out the bar code business were clarified. After the security risk was suspended in 2014, the official redefined the service that can start the QR code payment for the first time. In December 2016, China UnionPay also announced that its two-dimensional code payment standard will be followed by the release of corresponding business rules and products. Major commercial banks, such as ICBC and CCB, have successively launched their own scanning and payment products. After obtaining the approval of the competent authorities, the market for QR code payment will further increase rapidly. At the same time, the QR code payment market will also usher in third-party payment by banks and Internet companies and other disputes about the payment market.
5.Apple pay and other series pay
In fact, the term should be called mobile payment services and products launched by major mobile phone manufacturers. In January 2016, at the 7th Annual Mobile Payment Conference, the release of Apple Pay was a hot topic at that time. Less than a month after the meeting, it was officially released in China. Then I can also disclose a message. At these two annual meetings, Apple pay has personnel to attend. It can be explained that Apple pay still attaches great importance to the domestic market. Under its guidance, Samsung, Huawei, Xiaomi and other mobile phones. Manufacturers have launched various mobile payment services to expand the mobile payment market. After the release of Apple Pay, it has driven a new round of development of the NFC industry. The NFC industry has been tepid in the first few years. After the mobile payment handset manufacturers paid attention to mobile payment services, the NFC industry gained a new round of growth. There are still some problems. For example, the consumption scene is too small, consumers pay habits to be cultivated, and the market promotion speed is relatively slow. In addition, major mobile phone manufacturers are vigorously expanding offline payment and accelerating mobile payment in mobile payment applications. Market pace.
6. Network
This should be an institution that will have a transformative impact on the payment market, and it is also a specific measure for the relevant authorities to further tighten the regulation of the market. At the member meeting of the Payment and Clearing Association held in April 2016, the network was approved. The proposal, according to our related reports on the network, may be supervised by third-party mobile payment agencies and entered in batches according to relevant technical standards. The emergence of network associations will change the regulatory loopholes and security guarantees brought by a large number of third-party payment institutions directly connected to the banking network, and will also allow payment payment and clearing to be independent of business supervision rules, and change payment institutions to conduct cross-bank clearing services in disguise. The situation, third-party payment purchase and purchase will face the adjustment and challenge of information transparency and business standardization.
7. Renewal of payment license
In August 2016, the central bank issued a heavy news: in principle, no new third-party payment institutions will be approved in a period of time, which is equivalent to basically suspending the issuance of payment licenses, and then in August and December. The results of the payment of licenses for three batches of 92 non-bank institutions were announced. Among them, some institutions have been adjusted for business scope due to violations, business stagnation, etc., and even canceled licenses. The competent authorities have intensified the rectification of third-party payment violations, and the supervision of payment licenses will be further tightened. At the same time, Internet giants such as Meituan and Xiaomi, and some traditional industries such as Wanda and Gome have arranged payment markets and paid licenses. It has become a very scarce resource, and the acquisition and acquisition of payment licenses will be further intensified, and the price of payment licenses has reached new highs.
8. Bank account classification
The central bank has given a clear standard. From December 1, 2016, the bank account classification will be officially implemented. The personal bank settlement account will be used as a type of household, and the second and third households will be supplemented by an account system. The same person is in the same household. Banks can only open one type of households. The bank accounts that have been opened before are not affected. The purpose is to protect account security and prevent telecommunication network fraud. The bank account classification will regulate the order of the payment settlement market from the source and help pay. The unification of security and convenience will also enable industry practitioners to introduce innovative products and services to users more accurately and effectively.
9. Cross-border payment
With the rise of cross-border e-commerce and the internationalization of the renminbi, the importance of cross-border payment has become more prominent. At the same time, the implementation of the national “One Belt, One Road†strategy will bring more frequent cross-border trade activities and promote the expansion of the cross-border payment market. Then, following the Internet giants such as BAT, more third-party payment institutions will launch cross-border payment services. China UnionPay recently launched the cross-border mobile payment service of UnionPay. The cross-border mobile payment market is diversified and internationalized. It is also very fast, the business field and payment scenarios are expanding, and the internationalization of mobile payment is the trend of the times. In cross-border payment, the trend of domestic and overseas integration of cross-border mobile payment is obvious, and traditional payment services and models will be affected by different regionalizations. Promote companies to launch new products and services.
10. Financial Technology
This concept may include big data, cloud computing and blockchain. It will be applied in areas such as payment and settlement, loan financing, transaction settlement, etc., to improve the efficiency of financial services. The application of financial technology in business will be further accelerated. Traditional financial institutions, Internet finance companies and payment companies will all strengthen their layout in the field of financial technology. The penetration of financial technology into traditional finance helps to optimize the financial industry's risk control and operation model. Financial technology changes the industrial ecology of traditional finance and promotes the transformation and upgrading of the financial industry.
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