Less than 50 days into the Jiawu Year of the Horse, WeChat red envelopes, taxi software fire, fried chicken beer, mother can not get a taxi, 38 women's day free to eat and drink all over the country ... These hot topics generated by the Internet, like a TV series Every week, I have to enter the lives of ordinary people, occupying a lot of media entertainment, life and financial headlines.
This week, the story of the series seems to be quite weighty. On Monday, Tencent announced that it will officially take shares in Jingdong. On Tuesday, the WeChat POS machine of the joint entity will pay or try it. Yesterday, Ali and Tencent became the first batch of five private banks in China. Pilot. As soon as next Monday, Ali, Tencent or launch a network virtual credit card, in the future, the emergence of "Alibaba Bank", "Tencent Bank" smart financial software in the mobile phone does not seem far away.
Although the scriptwriters of the series are Ma Yun and Ma Huateng, the protagonist is the reality of you and me - China has now over 100 million mobile payment users. In the opinion of experts, media, social, games, shopping occupy user time, cultivate consumption habits, and eventually make virtual payment of network instead of cash and physical bank cards, perhaps the theme of the 2014 double drama.
In 1988, at the No. 91 Changdi Bank, the first ATM in Guangzhou appeared on the outside of the Bank of China Zhujiang Branch Building, which attracted the curious eyes of many citizens at that time.
The device, which was described as a "bank counter 'robot'", was specifically set up with the use of bank cards in Guangzhou. According to the report of the newspaper at the time, "this 'robot' is embedded in the wall, revealing only its 1 square meter 'face' with a display, indicator light, keyboard and access port, like the 'eye' of the 'robot' And 'mouth'."
In the past 26 years, bank cards and credit cards have gradually become a must in Chinese life. In 2014, a “financial revolution†led by Internet companies to replace cash and physical cards with mobile wallets was also in full swing.
What can I do with my mobile phone?
Xiaolin, a 32-year-old bank employee, was one of the first to use mobile phone consumption. As early as in the era of non-smart phones, Kobayashi exchanged fast food and beverages at points such as banks, mobile, telecommunications and other operators in McDonald's, KFC and Starbucks in Guangzhou. Food exchange can be achieved by scanning the QR code and serial code of a similar vouchers on the mobile phone user. In the supermarket, you can also use the electronic stored value card on your mobile phone to shop.
Two years ago, Xiaolin joined the group buying family. Buying coupons for restaurants and entertainment on the website with a computer, in Kobay’s view, these are the original forms of mobile payments.
Nowadays, with the popularity of smartphones, WiFi and 3G and 4G signals, data shows that more and more people will be willing to try a wider range of mobile payments – bundling bank card accounts with mobile phones. On the way to work, Xiaolin said that she can use the mobile phone to pay for lottery tickets, recharge, pay for water and electricity, buy air tickets and book train tickets, pay by phone, bank transfer and financial management.
Well-known IT manager Wang Guanxiong believes that mobile payment will be a "revolution" after the card has been used to kill the card, and the mobile phone has killed the card. It is an exciting "war" that changes the way humans use money.
Mobile phone sound wave payment is more convenient
In fact, the mobile portal "O2O" (Online To Offline, which refers to the combination of offline business organizations and the Internet) has been called the BAT Club (Baidu, Ali, Tencent, and Pinyin) since 2013. The letter "shorthand" between the "three kingdoms." After the Spring Festival of the Year of the Horse, the "Three Kingdoms Kill" became a "double horse battle" between Alipay and WeChat. In this regard, Wang Guanxiong believes that with the Internet power's occupation of media, entertainment, and communication shopping, it will surely enter the financial field, and the financial aspects are more diverse and complex, and the requirements for players are higher.
Today, despite the dazzling array of mobile consumer portals such as maps, chat software, shopping malls, etc., there are only two ports left to connect mobile terminals and consumer payments – Ali's Alipay and Tencent's WeChat payment. According to previous statistics, in 2013, China’s mobile payment users reached 103 million. Among them, Alipay dominated mobile payment. Before the “WeChat red envelope†was fiery, Tencent’s payment platform “Tianfutong†was still at a disadvantage. Until the re-packaging of the "WeChat payment", subsidized "smashing the car" software widely publicized, and began to enter more ordinary people's lives.
Just like the taxi software “local moneyâ€, from the Spring Festival of the Year of the Horse, WeChat Payment and Alipay take turns to start PK subsidies in the automatic sale of beverages.
Mr. Ye, a citizen of Guangzhou who is engaged in the communications industry, tried a mobile phone sonic payment to buy a drink. After he chooses a good drink, the vending machine will have three options: Alipay, WeChat, and cash. Among them, Alipay supports QR code and sound wave, while WeChat only scans code. After choosing Alipay's sonic payment, Mr. Ye put his mobile phone close to the sound wave area of ​​the vending machine and completed the beverage payment in one second. Then, in the mobile phone, there is a text message prompting the credit card to consume 1 cent.
Many testers feel that mobile payment is not only fresh, but also can be repaid with a credit card.
Virtual credit card is about to debut
The same "double horse" mobile phone payment PK offer also occurred in the restaurant industry.
At the WeChat headquarters of Guangzhou TIT Creative Park, the WeChat restaurant, which was once open to the public, used mobile phone WeChat payment. Because the price of the dishes is cheap, the number of tourists has led to the restaurant opening to the outside world. This year's March 8 Women's Day, mobile phone Taobao chose to support Guangzhou Restaurant, Xibei and other food and beverage outlets in Guangzhou to carry out mobile phone reservation, ordering, scan code payment, and at the same time issue mobile payment users up to 300 yuan per person for Alipay catering red envelope .
On March 11, the China Banking Regulatory Commission announced the first batch of five private banks in China, and the private capital involved included Ali and Tencent. Although the current "Shuangma" has not officially obtained a banking license, both parties announced on the same day that they will launch the online virtual credit card as soon as March 17. Mobile terminals such as mobile phones and iPads are the form of network virtual credit cards.
Among them, Tencent announced that it will cooperate with China CITIC Bank and Zhongan Insurance to launch the “WeChat Credit Cardâ€. After the internal test, WeChat credit card will appear in WeChat "My Bank Card", not only can be paid online, but also can be scanned at CITIC Bank and WeChat designated physical merchants, and enjoy a 50-day interest-free period. And no annual fee and other fees. In addition, WeChat POS will also be directly applied in domestic shopping malls this year. Alipay chose to cooperate with CITIC Bank to launch the first batch of 1 million “virtual credit cardsâ€.
For the traditional banking industry, once Ali and Tencent get the official banking license, the separate virtual credit card scan code consumption will be the most direct impact on traditional consumption.
Derived question: How much risk does it take to lose a mobile phone?
However, Xiaolin, who is engaged in the banking industry, believes that “the wolf is coming, but it may not be able to get meat. From the financial common sense, the more convenient the payment method, the higher the risk.â€
Mobile payment security and usage risks have always been a problem for mobile users. 360 China Internet Security Center recently released the "China Mobile Payment Security Report" shows that in 2013, China's mobile payment users doubled, but fraudulent SMS and mobile phone loss became a serious threat to mobile payment security. Among them, in the mobile payment, the accidental scanning of the QR code caused the theft of the Alipay wallet to occur frequently.
Although Kobayashi is accustomed to using mobile phones to pay for his life, credit cards with a spending of 10,000 yuan must be carried with him, and he is never associated with non-password payments and online banking. In mobile payment, only credit cards with a consumption of only a few thousand dollars are used for daily consumption. When going out, the wallet, documents, and mobile phones must be open.
In Kobayashi's view, as long as you know the real name, card number, ID number and mobile phone card, you can complete the password tampering and malicious consumption of the mobile payment account.
Take the iPhone as an example. If you lose your phone, even if you set a 4-digit power-on password, as long as you download the unlock software through the network, it is not difficult for a person without professional skills to open the phone within 20 minutes. If you set up the login-free function on Alipay, WeChat, etc., you can change the Alipay password after obtaining the ID card, bank card number, and mobile phone number of the owner. At present, the iPhone5S has set a fingerprint lock password. In addition to the brush machine, it is more difficult to steal Alipay and WeChat payment accounts, which also ensures the safety of users.
In addition, mobile phone security experts also reminded that once the mobile phone suddenly has no signal, after eliminating the signal problem and the mobile phone failure, it is necessary to check whether the SIM card is reissued by others and transfer the balance in the payment platform.
Wei Wu, a new media expert and a teacher at the School of Media and Design at Shanghai Jiao Tong University, believes that the risk of paying for mobile phones is not necessarily exaggerated. “The risk of bank cards being lost and stolen is mainly to raise security awareness.â€
Wei Wu said that in the battle for Internet finance and mobile payment, the "selling money" subsidized mobile payment of the two most powerful Internet companies in China will last longer in 2014, and it is difficult to separate. Imagine that in the future, eating, watching movies, taking taxis, and spending in China do not need to bring wallets and coupons, but only with a mobile phone.
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