A few days ago, Alipay released the long-awaited “Alipay Wallet†business, providing advanced services such as sonic payment and super transfer on the basis of the original payment function. After the user installs the app on the mobile phone, he can get the functionality and experience similar to the wallet on the mobile phone.
Of course, Alipay's ambition is not only satisfied with the mobile phone interface of individual users. Recently, some insiders revealed that Alipay is negotiating with several well-known terminal companies to manufacture POS products with Alipay collection function. The reporter then went to Alipay and the terminal company to verify, although the two sides did not clearly respond, but there are indications that Alipay's move will definitely go.
Or add another fire with new technology
When two mobile phones with Alipay applications are installed with a distance of no more than 30 cm when WiFi is still available, press "Pay" to complete the transfer and payment. This kind of mobile phone near-field payment model is a new feature introduced by Alipay mobile phone application recently. It is worth noting that not only the transfer between individuals, but also the option of “paying to the merchant cash register†is added in the application. In other words, it does not need to scan through the QR code, Alipay has the ability to allow users to complete commercial payment through this kind of mobile phone-like card.
A professional from the payment industry revealed that “Alipay has already negotiated with several well-known terminal companies to develop products for the POS configuration of Alipay collection. It is expected to be launched in the second quarter of this year, and one of them will be the terminal in Shanghai. It is a third-party payment company. If the product goes smoothly, it will directly open the core channel for offline payment for Alipay. In the future, it may lead and form a new wave of POS acceptance of Alipay."
Although the reporters asked the Alipay and related terminal companies for verification, both parties expressed "not clear." However, in the eyes of the industry, Alipay is very likely to try offline POS acceptance, both technically and strategically. According to Qi Xiangtao, data technology manager of Shanghai Xunlian Data Service Co., Ltd., it is feasible to embed this technology into the POS terminal from the latest payment function of Alipay Wallet, and it is not subject to the existing policies. "In fact, the principle of sonic payment is still remote payment, which is to use the voice function of the mobile phone to complete the search to find the terminal to be searched, and finally use the remote payment to complete the payment." Qi Xiangtao believes that the sound wave payment has a higher success rate than the two-dimensional code. There is also no need to implant a chip in a mobile phone. This type of offline payment model has no problems, whether it depends on operators, banks, or policies.
The policy that Yan Xiangtao said refers to the payment of a license. From May 2011, Alipay obtained the non-financial institution issued by the People's Bank of China from the central bank to carry out the payment business license (license). The types of business operations of the license include: prepaid card issuance and acceptance (online), bank card collection Single, Internet payment, mobile phone payment, currency exchange, etc. As far as the current operating range is concerned, even if the mobile phone is swiped, Alipay is within the allowable range.
An industry insider from the mobile payment market believes that Alipay's QR code mode is an offline fast payment model, and the current remote payment-based peer-to-peer payment method will help to achieve large lines. Under the consumption, "this model can help Alipay achieve offline layout under the premise of reducing hardware layout, based on Alipay's existing system is the most likely realization."
Solving the difficulty of moving to the merchant market
As early as 2010, Alipay had made an attempt to complete the merchant's collection with the Taobao word of mouth membership card binding Alipay account. At that time, hundreds of merchants in Hangzhou completed the laying of the word-of-mouth card POS, users only need to brush the membership card in the terminal. Can complete the payment. At that time, Alipay was already considering how to transfer the advantages of the online to the offline through the card, while increasing the flow of Alipay funds.
But in the end it was a bleak end. At that time, some people in the industry believed that an important reason for the failure of the word-of-mouth card was that the acceptance environment of the word-of-mouth card was not in place, and most of the cooperative shops later adopted independent card issuance, which made the construction and maintenance of the word-of-mouth card increasingly difficult.
Is such an old question difficult to cross for the current Alipay? Liu Zhiyuan, a person in the mobile payment industry, believes that in the promotion of retail outlets, Alipay does not have the kind of old-fashioned institutions such as UnionPay. “Because online payment agents need to have a training process.†It has also been confirmed by the delay in the promotion of shops after the launch. The reporter learned from the relevant personnel of Alipay that the "sound wave payment" function of Alipay wallet is currently limited to the transfer between individuals, and the reason why commercial payment is not started is because "development is difficult", "we are actively promoting offline merchants. This difficulty is mainly required in the sonic technology. The merchant terminal must install a set of Alipay R&D system to identify, decode and authenticate the sound waves."
“Therefore, it is the most reasonable way to cooperate with the acquirer who has the strength in the shop.†It is understood that Alipay is currently one of the terminal companies that are engaged in third-party and in-order acquisition. An industry insider who has had long-term cooperation with Shande said: "At present, there are half of the business in the Shanghai acquiring market, namely, Shande and UnionPay. In this case, only in Shanghai, in the business scope of Shande, including Chain supermarkets such as the whole family and Haode, as well as many large-scale shopping malls.†This person said that if you want to quickly set up outlets in Shanghai shops, or open channels of cooperation with more than 100 banks, general payment companies will consider Go to find the cooperation in the acquisition of Shande.
As for whether the two parties can reach an agreement, the person said that it is not known. "The terminal enterprises including Shande have to consider the cost of transforming the POS machine and the benefits that can be generated by cooperation with Alipay, which cannot be completed in a short time."
“From online to offline, Alipay’s main target is SMEs.†Yan Xiangtao believes that “China currently has 70 million small and medium-sized merchants, but only 3 million of them have pos machines. This is a big business opportunity. Therefore, no matter which terminal you cooperate with Alipay, you may face pressure from your peers. "After all, for the acquiring or third-party payment industry, once Alipay completes the payment, they are also the most affected areas. One."
Reporter's notes
Mobile payment is filled with smoke
At the recently concluded Mobile World Congress (MWC), the highlights are not just new mobile phones, mobile payments are the focus of attention, and Visa and MasterCard announced a series of initiatives at MWC.
In China, the battle for mobile payments is also burning more and more. China UnionPay is self-evident, and the three communication operators have also expressed their attitude and chose the NFC-SWP model to promote their mobile payment services on a large scale. As the third-party payment platform with the largest number of domestic users and the largest market share, Alipay has already deployed mobile payment services long ago. However, it was mainly based on far-end payment services. Now the introduction of the Alipay wallet model indicates that Alipay's intention to pay near-field payment.
There are more and more participants, and the strength is very strong. The competition in the market is getting stronger and stronger. At the same time, whether it is operators or third-party payment companies, they are facing a bigger problem, that is, how to persuade merchants to accept themselves and how to let consumers use services. In fact, many people now feel that it may be easier to swipe their cards than to use mobile payment products. How to change the user's feelings, this is a common problem that everyone faces. Everyone is crossing the river by feeling the stones. So at this stage, the trial and error process does not know where the end is. Only the user can give the final answer.
Silicone Gloves
Our Silicone Gloves are
100% Waterproof, Easy to Clean
100% waterproof, you can handle the hot water and steam easily when cooking and grilling. The bbq mitts are machine washable, wash with water and reusable.
Feature
YDS Product categories of Silicone Household Supplies, we are specialized manufacturers from China, Silicone Cup Coaster , Silicone Placemat , Silicone Drinking Top ,Silicone Gloves, Silicone Cake Mold ,Silicone Ice Cube Tray, Silicone Wine Cup , Silicone Identifier ,Silicone Bottle Stopper , Silicone Door Stopper , Silicone Soap Holder , Silicone Shoe Covers , Silicone Straw ,Silicone Foot Cover & Protector,Silicone Cigarette Holder Clip ... Our Factory Advantages:
1.Mold workshop and 2D and 3D engineer department
2.Solid siliccone compression machine and liquid silicone injection machine
3.Disney and Sedex 4P audit factory
4.ISO 9001,IATF16949,Raw material of FDA LFGB MSDS Certificates
2.Solid siliccone compression machine and liquid silicone injection machine
3.Disney and Sedex 4P audit factory
4.ISO 9001,IATF16949,Raw material of FDA LFGB MSDS Certificates
Look forward to your cooperation!
Silicone Gloves,Cooking Pinch Mitts Potholder,Silicone Heat Resistant Cooking Mitts,Silicone Oven Gloves
Shenzhen Yindingsheng Technology Co., Ltd , https://www.ydsoemsilicone.com