Lai Yang, secretary general of the Beijing Institute of Business Economics, said that in the 1990s, the credit card in the country, but using a very low percentage, do not trust, nor convenient. In Japan, the

seventies of the last century, the proportion of credit card spending has been high.

Today, the proportion of credit card spending is very high, one hand, the consumers themselves by trying dared to use. Another is to improve the convenience of credit card spending to make payments, credit card spending to the bank to save money now online transfer, savings card can also be locked, but also specialized equipment, the repayment terms of repayment.

Capital University of Economics and Professor Chen Liping, cash register model of development, the overall direction is to allow consumers more convenience, heightened awareness of both services is also inseparable from advances in information technology. Today, foreign supermarkets to promote self-help credit card, cart tops POS machines, the customer is very convenient to use, department stores can learn from.

Future payment to break the boundaries of the various payment methods, such as consumers do not need to bring anything you can pay, no matter where, can be a platform to pay. "Lai Yang said that in foreign countries, the popularity of mobile payment is increasing. In Europe, some shops have been using fingerprint payment. At present, the mode of payment innovations on the domestic than the lag, this is because the domestic banking sector monopoly in the payment, and management, there are many policies bottleneck, limiting the payment flexibility. Too restrictive, opened a bigger gap with the international exploration, the later, the development will be more lag.

Contradiction has long existed between

merchants and banks on fee, the root also is the monopoly of the domestic banks, foreign financial agreement, the United States in addition to VISA, MasterCard, there are American Express, do but one of the country, only CUP in fee, CUP is a strong, others are relatively weak. Therefore, the domestic business is saying there is no bargaining rights, the cost is too high, some businesses are not even want to use.

A P2P network and lending industry veteran told reporters that the P2P network lending platform and third-party payment platform model of cooperation: the P2P company in a third-party payment platform, a company account, the lender of money into the company account, the P2P site and then to call the money demand, there will be a time lag.

Within this lag. How to prevent P2P

companies have escaped and run? She says frankly, is to rely on self-discipline.

According to media reports, the gold loan payment of cooperation with third-party payment platform, Central News, the process of actual operation, the investors through online bank transfer to the gold loan account in the ring inquiry, gold loan from the Central News account to cash, the repayment date gold loan money call investors through private accounts.

Gold loan and ring inquiry mode of cooperation funds under the "mode. Require customer confirmation of receipt businesses can withdraw funds and client funds to the accounts, gold loans and gold loans, we can immediately draw general network share.

The industry believes that the P2P network lending platform with the third party to pay the company the ideal mode of cooperation: A desire to borrow money through the platform to B, the funds directly from the Party of third-party payment account to the account of Party B's third-party payment, do not walk P2P company accounts, but the P2P companies can see the capital flows. But the industry to achieve this standard P2P little.

According to its introduction, the P2P industry, many websites have a tendency to cooperation with the CUP, and to achieve cooperation with the Consortium directly from the lenders accounts into the account of the borrower, has nothing to do with the middle square, only to find a bank to do the interface. Or, with reference to the mode of the securities company, the bank managed funds, money or investors, banks and brokerages have the right to spend the funds, but can see the movement of funds.

April 16 this year, a pat on loan qualifications of the special government approved the

financial information services. The industry said that, as of now, to obtain the qualification of more than one. She told the "Daily Economic News" reporter: "This enables us to obtain a birthright. If government credit support, can get some bargaining chips in negotiations with third-party payment companies, the other will be more comfortable."

May 23, 2012 -24, the 15th session of the China Beijing International High-tech Expo Forum 2012 Chinese Financial Forum and the Beijing Yizhuang project into signing ceremony was held in Beijing. The picture shows the Guangzhou EasyLink Business Services Limited Chief Operating Officer Yun Deng.
Yun Deng: Leaders, Ladies and gentlemen, friends from the media, Hello, everyone! Very grateful to the General Assembly for giving me this opportunity to share with everyone we propose the concept of electronic payments of the new cloud architecture to pay online payment gateway . Here are the financial sector experts, including securities, funds and all aspects of a friend, what the inadequacies please correct me.
We propose that this cloud cover this architecture based on our payments and inside found a lot of how to solve the majority of users in a convenient payment side of a demand raised by the new structure, and a new platform, with other payment methods and concepts There are a very big difference. We first talk about the payment needs of the market. The entire electronic payment last year's market more than 2 trillion, we are basically from the online banking, online shopping, credit card payments, increasing the amount accounted for in the entire consumer. However, we also see that the entire Chinese population of 1.3 billion, so we in many so-called terms of subscribers is very large, such as our Internet users has 500 million Internet users, we have a lot of more and more Tablet PC to the Internet, do electronic transactions. In addition, our mobile phone is also a role in a transaction terminal, we have about 350 million mobile Internet users, 200 million smart to pack. So many APPS with the application, including tourism, air tickets on the phone. Almost 300 million fixed telephone users, In addition, we are now a lot of new TV, including smart TV, television cloud, are able to become a trading terminal. We have many different new terminal, including a two-dimensional code shopping and so on.
In addition to the terminal, we also have the largest user base, we also have a debit card, credit cards. The whole market is very large, but there is a big problem is that our computer, such as the computer to do an online transaction, a browser can basically support most of the PC. However, you take a look at our end, our cell phones, there are basically different models of mobile phones, every company in fact has its own standards on the phone above, Apple has a relatively large share, Android is very large, but the Chinese also have a lot to do their own operating systems, including millet, cloud mobile phones, Alibaba (microblogging), Tencent also wants to phone in a different environment, we have to build a standard.
Therefore, we will run into a problem, I am a merchant, not to all terminals must be the development of a with the terminal. In fact, China is now all to do electricity suppliers face the same question, that is, in many different scenarios. So to collect the money when it can be said to be the most troublesome, receivables, there is a big problem with doing a web page, it is one of the biggest problem is security, safety is a paramount consideration, you do not be able to say, if I said the application, I can say that the pages jump. However, the payment when the safety is always first to be considered. And we started to have many well-known website even pay the company, its own system to a hacker attack came in, access to a large number of users of information, including the entire outside Pirates of the card, Group, and so on. Therefore, the security in terms of payment is a very large. Itself, the payment needs in a terminal or a great effort to solve the security problem, to be able to receivables. So, we face a very large market demand.
However, in the balance of security at the same time you have to take care of user experience, because if you do pay, you want one of the most convenient way, and most comfortable way to make a payment, do not need to learn. For example, we generally pay online, there are basically a certain level of user, or even want to install some authentication, I think that is an expert, we sometimes feel a headache. Including a recent bank asks me to install one thing, I simply asked annoyed. This regard must strike a balance safety and convenience, this is us on both sides to consider.
Therefore, in the framework required in this regard we propose a so-called cloud payment architecture is able to do a balance a balance between security and user convenience. Cloud payment is we provide a paid service to all terminals, regardless of is the PC, both the phones, or even your smart time to time, you even call center, all even to you can be by post, we are able to help you do pay , we can support all debit cards with credit card, B2C, C2C different payment. It is a small business operators, you can use a payment terminal, now used to tenants pay phone to launch terminal, There is also a call center, in addition to a different bank cards, as well as user experience . We build a cloud platform paid, so in terms of our approach is to do a dual-channel method. Is a user in a website Ye Hao, in a cell phone, or even call centers, bank card information filled out, sent over to the merchant, the merchant is to join the merchant, the credit card processing gateway merchant will be information lost to us to drop our payment platform, this platform is not just a payment platform, a cloud certified platform, which will judge this man is not his own, we finish a judge, we have this needs to CUP, CUP notice, we judge this person own consumption, make a payment request, you can launch a paid certification is a call to the user's registered mobile phone number, you confirm that, according to your bank card password , to complete this transaction. After the completion of the transaction, the CUP will be bank card number and password match, the CUP that fits, and then were transferred through our merchants, so that the text became a transaction.

 

Tencent QQ online shopping platform on the weekend, a formal access Alipay and on-line. Prior to this, Tencent own layout electric's business has been only to use the own TenPay system. The industry view, the impact of the matter is that: the Alipay suddenly inserted into the hinterland TenPay site. The Analysys statistics show that in 2011 domestic third-party payment industry, Alipay ranked first, accounting for 46% market

share, TenPay living in second place with 21% of the share.

In addition to access to Alipay, Tencent electric providers also strive to introduce more industry partners. Informed sources, Dangdang will also become important partners of the QQ online shopping platform in June, will be stationed in the QQ network buy books channel, will also contribute to maternal and child channels settled in July and August.

May 18th, Tencent group structure adjustment, the the Tencent Department of Electric's business independent dismantled, set up Tencent electricity provider holding company, Tencent, the original super online shopping, QQ Mall, patted net three-tier structure to become self-employed business synthesis of two plates of the platform and open platform QQ online shopping platform. , Tencent power $ 1 billion of investment in the development of its medium-term target is 5 years, the total transaction amounted to 200 billion yuan.

This independent business with Tencent electricity providers to accelerate the opening up. Tencent power inside, access Alipay be regarded as established step in the systems engineering. Since last year of the spin-off and integration scale brewing, $ 1 billion investment also synchronize instigated, the organizers of combing the payment system and other specific matters began to rise.

Some industry analysts believe that Tencent electricity provider business spin-off independent makes this more convenient and rapid decision-making. The Tencent electricity supplier, Assistant General Manager, Song Yang said that this plan had been identified since the beginning of last fall on the line the Tencent super online shopping platform, and began to promote the contact with Alipay.

In fact, QQ online shopping access Alipay is not realistic. Tencent electricity supplier integration, a series of original investment in the vertical B2C businesses will play an important role. Such a good music to buy assume footwear Channel, Yi Xun addition to the responsible 3C, has become the operational side of its self-service platform, which previously have access Alipay. Demand coupled with the open, external partners are widely supported by Alipay, now no longer possible to pay Po channels clear.

Support Alipay will QQ online shopping platform to bring a lot of good. For the payment of the C-terminal has been the habits of highly viscous, as a matter of user security, basically selected a very few replacement. A payment industry, in view of Alipay huge user base, the initiatives for Tencent electricity's business to reduce the inhalation of the threshold of more users.

On the other hand, Tencent little damage. Tencent's own electrical business volume of nearly 30 billion yuan last year, Ali's B2C mall Lynx there is turnover of 92 billion yuan, the Taobao while 600 billion of transaction volume. An electrical business executives said the difference of the two sides still, now Tencent and do not have to worry about the so-called part of the data by Ali Mastery hurt their competitiveness.

Be considered to understand this Tencent electricity supplier. "These executives said, Paypal, just pay one of the channels, TenPay together to provide users with more choices. Moreover, users or Tencent users, and will not have nothing to lose.

Tencent power business executives also said that this is for companies to expand more

payment channels to facilitate, not to mention the QQ online shopping platform also offers more payment ways, including online banking and cash on delivery. This also allows them to feel more at ease, will not produce too much dependence on Alipay. Easy fast cash on delivery rate of more than 60%. For TenPay, perhaps do not have to worry too much, the aforementioned payment industry, said access payment treasure play the incremental effect, the user TenPay now does not have a significant shunting.

Recently, a third party consultant iResearch released 2011-2012 China Internet payment user behavior study. The report shows that in 2011 nearly half of Internet users use the quick payment, the site supports users continue to use the shortcut to pay the most important factor.

Report data show that 43.9 percent of Internet payment users to the site supports quick payment will continue to use

online payment gateway

, while only 22.1% of users choose to use online banking online banking.

IResearch analysts Xia Lulu said, traditional domestic online banking to pay compared to pay there is a clear and convenient, safe dual advantage. Consumers do not jump online shopping payment page, simply enter the payment password and SMS dynamic password can complete the payment. Coupled with the "quick pay" up to 90% payment success rate gives the user a very good payment experience, it is widely welcomed by Internet users.

The latest data released by the Alipay Alipay payment users have been far more than 75 million quick to pay the proportion of number of transactions accounted for Alipay transaction as a whole has more than half.

With the quick pay advantage is gradually emerging in the market, electricity suppliers have speed access quick pace of payment. Alipay quick payment have been completed covering 90% of the mainstream power business.

The Ereli report also showed that 31% of users said that promotions will continue to use the quick payment. Since the beginning of this year, Paypal is also actively launch shortcut to pay value-added services, has over 30 B2C mall in cooperation with the domestic credit card installments "and" fast payment discount "the two services.

Dean of Economics, Fudan University, Institute

credit card processing gateway

of World Economics Professor Tang Zhuchang quick payment as a more promising of the new, fast and secure online payment service, social and economic life in China to play a great role. Ereli also said that China's Internet payment are gradually entering the era of "fast".