How to embrace Big data

Reporter: The big data age, the enterprise has the massive data is unavoidable, Yeepay pays the current merchant and the user quantity is how many? How to do well the service of merchant and user?

Yu Chen: At present, Yeepay to pay the signing of large and medium-sized businesses over 500,000, covering hundreds of millions of users. Yeepay payment since its inception in 2003, has been adhering to the "industry pay" route, in the fierce competition in the payment market, a way to network games, telecommunications fees, aviation tourism, administrative education, insurance funds and other industries to provide a professional electronic payment solutions, Also for more businesses and users to provide customized payment products and services. Yeepay payment created by the public welfare circle for all public welfare organizations to provide "0 rate" policy, through "green payment" to promote the development of the network public welfare, to achieve "everyone can be charitable." Yeepay Public Welfare circle as of now has raised more than more than 27 million yuan.

Reporter: With the development of E-commerce market, electronic payment has become one of the most important means of payment for consumers, but at the same time, the Internet fraud is becoming rampant, yeepay payment is how to ensure that consumers pay security?

Yu Chen: In order to prevent the Internet crime situation, the yeepay pays to take the double measures both internally and externally, to secure the consumer net to buy security, and to jointly fight against the network "fishing", "Hanging Horse", "hacker attack" and other crimes that endanger the safety of the net purchase. In the company management, the business unit and the risk department completely separate, the company in the official homepage eye-catching position set up "Security Center", providing a comprehensive online shopping fraud collection, and to verify the suspected network fraud bank account number, seller name, cell phone segment and other information timely into the company's "blacklist" Management library. In the specific business measures, according to the new characteristics of cybercrime, the timely introduction of a new system, we purchased "security controls" to prevent Trojan fishing, and launched the "anti-fishing system", when the Yeepay paid "anti-phishing system" detection of suspicious transactions, will be prompted to the user "cheat warning" related pages, solemnly remind users of the risks , the "freezing of funds" approach could be used in uncertain circumstances. In the external preventive measures, we and security browser manufacturers to achieve wind control security in-depth cooperation, and regularly put suspicious web site into the "blacklist", at the same time, together with China's anti-Phishing Alliance to maintain the security network. In addition, we have established the investigation mechanism with the Bank and the network Supervision Department, if the user complains to the bank, Yi Bao will cooperate with the bank to carry on the suspicious order inquiry, and reports the corresponding case to the network Supervision Department.

Reporter: The front of the business is the future development of a major trend, Yeepay payment will be how to achieve the traditional industry electronic?

Yu Chen: The traditional industry is a trend of electronic business, under the concept of large electric business, payment is essential, the rapid development of electric power, but also led to the development of payment industry, the same, the payment industry in the growing, but also brought the development of the electric business, their relationship is complementary. The traditional industry should grasp the development trend of the electric business, and seize the opportunity to enter the electric business. and Yeepay pay every year will choose new industry to do a key breakthrough, such as the insurance industry will be like the aviation industry in the first three years, there will be good development, therefore, Yeepay pay will be the insurance industry as the future focus on the industry. However, the traditional industry must solve the problem of logistics. Logistics may combine with capital flows and even short-term credit, which is a complete set of solutions. Therefore, all the traditional industries to be electronic business, must have a solution.

Reporter: In recent years, the third party pays the enterprise to have the horse race enclosure, carries on the regional expansion, can you tell me how the Yeepay payment is the regional layout?

Yu Chen: As a third party payment enterprise that has been paid for many years as a rooted industry, Yeepay paid the "enclosure movement" as early as 2005. In early 2005, the company entered the digital entertainment industry, and opened a branch in Shanghai, 2006, Yeepay payment in Guangzhou, Shenzhen, Chengdu Branch, focusing on the development of air travel and administrative education business, and in the year acquired the largest payment company in the west-western Pay (westpay.com). After receiving the first payment licences issued by the central bank in 2011, in order to better understand customer needs, and in line with the central bank on "offline business needs localization operation" policy requirements, yeepay payment from Beijing, Shanghai, Guangzhou, Chengdu, four cities to more cities, successively in Fujian, Zhejiang, Nanjing, Shandong, Xian and other areas to set up branch offices. 2012, Yeepay payment and layout of Shenyang, Wuhan, Zhengzhou, Tianjin and other regions, the scope of business extended to a number of provinces and cities throughout the country.

The regionalization operation helps Yeepay pay better to understand the needs of industry customers, create new products and models, naturally better serve customers, and effectively control various business risks. 2013 is the key year for Yeepay to pay two times layout, Yi Bao will be "payment of financial marketing" strategy as a support, in more central cities to establish branch offices to ensure effective landing to support the company's future high-speed development, and in the industry layout and regional layout of the strategic planning, and further look for the development of the blue ocean of the industry.

Journalist: 2013 is a year of reform and innovation, what are the development problems faced by yeepay payment and what are the development plans?

Yu Chen: 2013 is the start of Yeepay's three-year plan and the beginning of Yeepay's second decade. Since 2005 the first industry payment model, Yeepay payment has opened up a new road. 2013, in addition to consolidating digital entertainment, aviation tourism, administrative education, telecommunications, insurance, funds and other advantages of the industry, Yeepay payment will be strengthened in the fast-elimination chain of the key layout of the industry, the payment of innovation to promote the industry "deep", and continue to build "industry payment experts" leading position Industry payment is not the final form of yeepay payment development, Yeepay payment will create a transaction-centered, based on the transaction of payment, marketing and financial value-added services in the trinity of all aspects of fast and secure trading platform.

With the rapid development of business, Yeepay will meet some challenges in the process of developing, talent scarcity and trans-regional management become the main problems yeepay to the whole country. But we also have a very clear talent strategy: internal training mainly, external recruitment supplemented. Yangfan plan, mentor system and other talent programs are yeepay payment training and selection of internal talent main way. This open competition mechanism and transparent rising channels to a large extent to help yeepay pay to solve the problem of talent, more and more new people are promoted, the ability to be excavated, and sent to the branch, the front line combat, in the realization of self-worth, but also promote the company's business development.