Big Data battles escalate

The contest of taxi software is a microcosm of the white-hot competition of internet payment. Behind the looting of users is the scramble for big data wars.


Horse Rodeo Snatch Busy


Taxi software Before the war, Alibaba and Tencent in many areas of the Ming dispute.


during the Spring Festival, micro-letters and Alipay launched a red envelope war. This month 14th, Tencent and Wangfujing department stores to promote internet payments. Before, Alibaba and another department store giant Yintai already married.


Current, mobile payment expands rapidly. Last year, China's third-party mobile payment transactions reached 1.2 trillion yuan, an increase of 707% per cent year-on-year, according to data. In the age of large data, personal consumption habits and the ability to consume can be clearly demonstrated through trading records. How to obtain and use data to become the focus of business research topics. Industry insiders said that mobile payments are now robbing users, the future Rob is big data.


traditional financial institutions have felt the obvious pressure. 17th, in Wuhan, Zhongshan Avenue, Cade Plaza, the seabed fishing hot pot front, micro-letter and Everbright Bank propaganda board side by side, hand-to-hand combat. The former preferential margin of 10 yuan per table, the latter for the card full 200 yuan minus 50 yuan.


Bank is also speeding up the scramble for customers in mobile payments. Hubei UnionPay related leaders, with NFC (near-distance wireless communication technology) functions of mobile phones and financial IC card binding, can be in the province of the commercial Super POS machine to pay for mobile phones, "this year will be combined with the provincial banks to accelerate the promotion." ”


pay security remains a worry


mobile payment chattering, pay security is still hanging in the hearts of the majority of users of the sword of Damocles.


recently, there are micro-blog users said that once the phone was lost, or to pay treasure account money stolen. Alipay then responded that there would be no theft of account money, but most users still could not eliminate the security concerns of mobile payments.


In addition to the common Trojan virus, malicious software to bring security risks can not be ignored, before Alipay, Tencent have user data are leaked or reselling. Domestic security Problem Feedback platform Wooyun (Dark Clouds) released a report that social class applications "contacts" will lead to Taobao account is cracked, thus affecting the balance treasure, Alipay. "Mobile phone payment is not very safe, in case of poisoning, money may be gone, the traditional way of payment, although outdated, but safe and secure." The citizen Mao Xiaoying said.


to build a Third-party payment cooperation platform in the province


Silver Thai and pay treasure hand, Wangfujing department store and Tenpay marriage, seabed fishing hotpot also used a micro-letter payment. Because of "double-dipping" micro-letter, Wangfujing stock February 12 trading.


at present, Alipay, Tenpay and other third-party payment giants more than the choice of domestic well-known business cooperation. In the field of E-commerce and mobile payment, the number of E-commerce enterprises in our province, starting late, small scale, overall lag behind the coastal areas.


reporter from the Wuhan branch learned that last year, Wuhan Yeepay, Wuhan Engine, Wuhan ease and easy Bai three enterprises, through the central bank Internet payment Business First instance, access to the mobile Internet payment license. Nichen, president of the Wuhan Branch, advises the use of mobile finance technology to promote e-commerce development and financial payment facilitation. "Wu Shang, China, China, trade and industry appliances and other large commercial enterprises, can consider and the province of Third-party payment agencies to explore the establishment of network retail platform." "he said.