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.