On December 12, 2015, China UnionPay and more than 20 commercial banks jointly released “Cloud Flash Payment†mobile payment products in Beijing. After that, consumers can go out without paying UnionPay cards and cash, and pay directly through the mobile phone “Cloud Flash Pay†to enjoy the convenient experience and financial security brought by the world's leading technology.
From July 6th to 8th this year, the 11th China Retailers Conference and Exhibition was held in Kunshan, Jiangsu Province. China UnionPay exhibited the “Cloud Flash Payment†mobile payment products at the exhibition. The reporter saw at the exhibition that only one mobile device with NFC-enabled mobile phone (Android operating system is version 4.4.2 or higher, or Apple or Samsung related device), the cardholder can directly generate a UnionPay in the mobile phone. The card's "avatar card", that is, the cloud flash card. Bring your mobile phone, you can use the online POS machine with UnionPay “Flash Pay†logo to pay mobile payment, or you can use the online payment on Union Online to make secure payment.
Guo Chichen, Commissioner of Market Development Department of China UnionPay Co., Ltd., said at the meeting that compared with other mobile payment methods in the market, UnionPay “Cloud Flash Pay†can not only meet the multiple payment needs of cardholders, but also has many advantages. Effectively boost consumption upgrades.
Actively respond to Internet financial competition
Whether it is financial or payment, they all appear to meet the needs of the transaction. And for a long time, the innovation of finance and payment was driven by the needs of the real economy. In fact, finance and payment survive by helping entities create value.
Guo Chizhen believes that in the era of mobile Internet, physical stores are definitely not worthless. The key is to truly hold valuable resources in their own hands. If retailers are able to enjoy the benefits, they may end up with valuable resources.
According to Guo Chizhen, the cumulative payment of Chinese banking financial institutions accounted for 97% of the entire market, and it has an absolute dominant position in the payment system. But the scale of the transaction is getting bigger and bigger, and the yield is getting lower and lower. This is similar to the situation of retail companies facing group purchases. Retail companies actively or passively turn some services from direct service to consumers into wholesale, resulting in sales without profit. If we rely on the wholesale model for a long time, we will stay away from users for a long time, and eventually form a dependency. No matter the financial industry or the retail industry, the problems are the same, that is, there will be problems such as channelization, financial disintermediation, and failure of the authorization system. The so-called channelization is to completely lose the final trading scene, lose control of the end user, and only make the background into a channel. This is like a retail company that uses a store as a product back-end, and the transaction amount is generated online. The licensing system has failed, which is the deepest problem in the entire financial industry. Nowadays, there are a lot of fast payment, the authorization system is not a bank, although the bank account is used, but the authorization order is falling on many third-party payments.
Guo Chizhen specifically reminded that commercial enterprises originally engaged in commercial finance, such as prepaid cards, are bound and managed, which is still within the scope of commercial credit. If we go one step further and do e-commerce + finance, it becomes a financial credit, and the characteristics of supervision and operation are completely different.
“Cloud Flash Pay†leads to convenient life
“Cloud Flash Pay†is a favorable tool for the bank card payment industry to face the launch of Internet financial competition. According to Guo Chizhen, compared with other mobile payment methods in the market, UnionPay “Cloud Flash Pay†can not only meet the multiple payment needs of cardholders, but also has obvious advantages. First of all, UnionPay “Cloud Flash Pay†is safer. With innovative technology, it provides multiple security guarantees such as dynamic key and cloud authentication. It does not display the real card number when paying, which can effectively protect the privacy of cardholders and pay sensitive information. Secondly, the payment experience is more Convenient, no need to connect to the mobile phone when paying, or open the mobile app, just open the screen, close to the POS machine, you can complete the payment.
Guo Chizhen believes that in the era of mobile Internet, cashiers or salespersons will play an increasingly important role in guiding customers to create value. After the merchant adopts “cloud flash paymentâ€, the cashier can become a very good marketing position.
The reporter learned that Carrefour, McDonald's, Watson's, the whole family, COSTA and many other chain stores and tens of thousands of physical stores in the industry have already supported the "cloud flash payment" payment. Jingdong, Ctrip, Public Comment, Vipshop, Shenzhou Special Vehicle and many other apps have also supported “Cloud Flash Payment†online payment.
From July 6th to 8th this year, the 11th China Retailers Conference and Exhibition was held in Kunshan, Jiangsu Province. China UnionPay exhibited the “Cloud Flash Payment†mobile payment products at the exhibition. The reporter saw at the exhibition that only one mobile device with NFC-enabled mobile phone (Android operating system is version 4.4.2 or higher, or Apple or Samsung related device), the cardholder can directly generate a UnionPay in the mobile phone. The card's "avatar card", that is, the cloud flash card. Bring your mobile phone, you can use the online POS machine with UnionPay “Flash Pay†logo to pay mobile payment, or you can use the online payment on Union Online to make secure payment.
Guo Chichen, Commissioner of Market Development Department of China UnionPay Co., Ltd., said at the meeting that compared with other mobile payment methods in the market, UnionPay “Cloud Flash Pay†can not only meet the multiple payment needs of cardholders, but also has many advantages. Effectively boost consumption upgrades.
Actively respond to Internet financial competition
Whether it is financial or payment, they all appear to meet the needs of the transaction. And for a long time, the innovation of finance and payment was driven by the needs of the real economy. In fact, finance and payment survive by helping entities create value.
Guo Chizhen believes that in the era of mobile Internet, physical stores are definitely not worthless. The key is to truly hold valuable resources in their own hands. If retailers are able to enjoy the benefits, they may end up with valuable resources.
According to Guo Chizhen, the cumulative payment of Chinese banking financial institutions accounted for 97% of the entire market, and it has an absolute dominant position in the payment system. But the scale of the transaction is getting bigger and bigger, and the yield is getting lower and lower. This is similar to the situation of retail companies facing group purchases. Retail companies actively or passively turn some services from direct service to consumers into wholesale, resulting in sales without profit. If we rely on the wholesale model for a long time, we will stay away from users for a long time, and eventually form a dependency. No matter the financial industry or the retail industry, the problems are the same, that is, there will be problems such as channelization, financial disintermediation, and failure of the authorization system. The so-called channelization is to completely lose the final trading scene, lose control of the end user, and only make the background into a channel. This is like a retail company that uses a store as a product back-end, and the transaction amount is generated online. The licensing system has failed, which is the deepest problem in the entire financial industry. Nowadays, there are a lot of fast payment, the authorization system is not a bank, although the bank account is used, but the authorization order is falling on many third-party payments.
Guo Chizhen specifically reminded that commercial enterprises originally engaged in commercial finance, such as prepaid cards, are bound and managed, which is still within the scope of commercial credit. If we go one step further and do e-commerce + finance, it becomes a financial credit, and the characteristics of supervision and operation are completely different.
“Cloud Flash Pay†leads to convenient life
“Cloud Flash Pay†is a favorable tool for the bank card payment industry to face the launch of Internet financial competition. According to Guo Chizhen, compared with other mobile payment methods in the market, UnionPay “Cloud Flash Pay†can not only meet the multiple payment needs of cardholders, but also has obvious advantages. First of all, UnionPay “Cloud Flash Pay†is safer. With innovative technology, it provides multiple security guarantees such as dynamic key and cloud authentication. It does not display the real card number when paying, which can effectively protect the privacy of cardholders and pay sensitive information. Secondly, the payment experience is more Convenient, no need to connect to the mobile phone when paying, or open the mobile app, just open the screen, close to the POS machine, you can complete the payment.
Guo Chizhen believes that in the era of mobile Internet, cashiers or salespersons will play an increasingly important role in guiding customers to create value. After the merchant adopts “cloud flash paymentâ€, the cashier can become a very good marketing position.
The reporter learned that Carrefour, McDonald's, Watson's, the whole family, COSTA and many other chain stores and tens of thousands of physical stores in the industry have already supported the "cloud flash payment" payment. Jingdong, Ctrip, Public Comment, Vipshop, Shenzhou Special Vehicle and many other apps have also supported “Cloud Flash Payment†online payment.
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