2013O2O: Mobile Payment Open

The year of 2013:O2O

Online to Offline, that is, offline business opportunities and the Internet together, the Internet has become an offline trading front of the O2O. O2O's core utility is to satisfy people's "3 a" consumption and payment needs, that is, people want to be at any time (anytime), anywhere (anywhere), using any available way (anyway) to get any desired retail services.

O2O as an important concept in the electric business industry, has been repeatedly mentioned in 2012. Whether in the rough ahead of the group purchase site, or the cat, Tencent and other electric businessmen, are vying for O2O this strategic location. 2012 is groping O2O year, and there is no obvious breakthrough, 2013 is the real O2O. The reason why call 2013 as O2O year, because in the smartphone based on the payment breakthrough and SNS, lbs and other applications.

O2O Core in mobile payment

On the surface, the key of O2O seems to be the information on the network, because only the internet can spread the information of the merchant faster, farther, wider, can gather the powerful consumption ability instantly. In fact, the core of O2O is online payment, and once there is no online payment function, O2O's online is just a wedding dress for others. To buy, for example, if you do not have the ability to provide online payment, only on the net after the purchase of their own statistical results with the merchant settlement, the result must be the two sides can not on the actual purchase of the exact number of consensus into a never-ending dispute.

Online payment is not only the completion of the payment itself, is a consumption can eventually form the only sign, but also the only reliable consumer data assessment standards. In particular, to provide online services to the Internet professional firms, only the user to complete the payment on the line, they will be able to obtain benefits, so that accurate consumer demand information to offline business partners. Regardless of the consumer, or Consumer-to-consumer, are in the realization of consumers can pay online after the formation of a complete business form.

Lbs+sns+ two-dimensional code payment closed loop

New payment solutions aimed at O2O market such as NFC, two-dimensional code payment, bar code payment, voice payment, shake and roll payment and other new technologies, new programs emerge, flourish. In these scenarios, the new opportunity for the emergence of mobile internet is O2O, the two-dimensional code will be the key entry point under the line. The first form of the O2O closed loop system is paid by lbs+sns+ two-dimensional code: LBS is responsible for providing space geographic information to both parties, and SNS is responsible for sharing the consumption information and experience with others to form the scale effect, and the two-dimensional code payment is responsible for completing the payment.

Recently, Alipay company announced the introduction of custom two-dimensional code collection business, all Alipay users can be paid by Alipay free "to pay me" two-dimensional code consumers simply open Payment PO Mobile Client Scan code function, and take a two-dimensional code, you can jump to the payment page, after the successful payment, Money will be directly to the two-dimensional code-bound Alipay account, the payee will receive SMS and client notification. Users can also upload their own avatar photos and set up the payee name, so that the two-dimensional code more personalized. This is also an important reason to appeal to young consumers. In the past one months, with Alipay cashier has become a lot of spontaneous choice, the current national 11 cities, "smart Team", Nanning, "the Most Tide Acid shop" and Guangdong's more than 2000 "beautiful good" stores, has begun to support the payment of two-dimensional payment treasure. In addition, Alipay also quietly tested the sound wave payment method used to identify coupons in Hangzhou fruit stall. The use of two-dimensional code, sound waves and other payment methods, no longer need to worry about the needs to prepare zero cash, and do not worry about the receipt of counterfeit money, and real-time control of sales.

Tencent Tenpay is seizing the opportunity to break through 300 million of micro-trust users, to promote wealth and micro-letter cooperation. Micro-letter will be identified by two-dimensional code, based on lbs merchants and users to establish contact, form an "acquaintance" form of SNS, and then guide the O2O business. The future will also be with the micro-letter shake function combination, two-dimensional code scanning and payment combination, can achieve "that is to buy", shooting merchandise two-dimensional code can be purchased and paid. Micro-letter + Tenpay will create a micro-life payment concept, a mobile phone around the world will become a reality, Tenpay will rely on micro-letter, targeted to develop a variety of payment methods and scenarios. This payment scenario and pattern will be used for dinner, KTV and other collective activities. You can also transfer money directly to your friends through a micro-letter. Micro-Life Membership card can be business concessions, and timely payment, eliminating the positioning, queuing and other links. At present, micro-life and thousands of brands have established cooperation, including SIP, Starbucks, Shanghai DQ stores. Users use micro-letter scanning merchant two-dimensional code can be opened "micro-life" electronic Membership card, access to business concessions.

In fact, NFC (Near Field communication) non-contact Proximity wireless communication technology and etc (Electronic toll Collection) No parking fee system allows crossing the bridge, parking, such as commuting any need to pay for the purchase of mobile goods and services into the O2O, which will undoubtedly extend the boundaries of E-commerce transaction object network to any legitimate circulation of goods and services, for business marketing to create unlimited possibilities ...

Bottleneck to break

There are three major bottlenecks to the development of the

O2O model: Due to concern about the security of funds payment and personal privacy information leakage, mobile phone two-dimensional code, NFC payment market customer awareness is low; New hardware equipment procurement has increased the cost of a certain application, offline businesses are unwilling to provide goods and services channels, prices, etc. Once these bottlenecks break, O2O will explode in 2013.