Internet giant fierce battle mobile payment entrance

Each journalist Zhu Dandan came from Beijing

WeChat and Weibo mobile payment battle extends to transfer functions.

Recently, the "Daily Economic News" reporter learned that WeChat launched a new version of the launch of the "Friends of the transfer" feature, WeChat users directly to personal address book WeChat buddies initiate a transfer, the daily limit of 20,000 yuan. At the same time, Sina microblogging is also testing microblogging payment transfer function, the official on-line will be open to all individual users.

"Both WeChat and Weibo are strong social platforms based on friendships, all of which have to maximize their functions and features.At present, both have already opened the payment function, while the payment application is an important step For the transfer function, open the transfer function is a continuous improvement of their own functions, but the most fundamental intention of both is to seize the mobile payment users, cultivate the user's payment habits. "Many industry sources pointed out.

Since the beginning of this year, major mobile Internet companies have focused on mobile e-commerce, while the banking system (CUP, operators) has focused on NFC near-field payment.

IResearch analyst Li Chao pointed out that in recent years, the rapid development of mobile payment, but the main driving force comes from the mobile e-commerce, Internet companies will gain relatively large. However, NFC is widely favored by all walks of life as a payment method, the future is certainly a trend, will also become the next eruption point after the mobile Internet payment.

WeChat added "friend transfer" function

Following the open payment function to the public service number, the new version of WeChat also launched a friend transfer function.

"Daily Economy News" reporter logged in WeChat page found that in the new version, the "My Bank Card" in the old version has been renamed "My wallet", the function of the expansion of the "wallet" and "transfer" two functions, Also includes e-commerce and life service applications. Which, in the "my wallet" column, click on the "transfer" and select the appropriate friend, fill in the need to transfer the amount (free fee) and enter the micro-channel payment password to complete, then transfer the amount will appear in the buddy chat interface, at the same time You can also click to see transfer details. According to reports, transfer recipients need to upgrade WeChat to receive money, if the other party did not upgrade within a day, the money will be returned to the user.

At the same time, friends receive money can be stored in the "wallet" column "change", change can be used for WeChat payment and cash withdrawal. When the total amount of change over 3000 yuan will not be able to accept the bank card recharge, but can continue to accept other WeChat scene funds, such as transfer, AA collection, WeChat envelopes, movie tickets. A single savings card to a micro-signal to change the amount of money and withdrawal of withdrawals as a single daily 2,000 yuan, the daily number of non-stop now.

It is noteworthy that, just opened in early June, the micro-Bo payment function, is also testing Weibo payment transfer function. According to billion state power network news, Sina microblogging payment transfer function is bound with Alipay, support for Alipay and bank transfer function, according to the plan will be on the line soon.

"The new transfer function is actually a perfect function of their own, WeChat and Weibo are required to maximize their functions and features to play out, and friend transfer function can be a good digging point, before the WeChat AA payment Is also based on the friend circle of friends circle, eating together and other such transactions occurred under the transfer transactions, transfer between friends can be said that the AA payment unlimited expansion of this function.As long as there is a friend between the funds transactions will go to transfer, Equal to say that the transfer between the circle of friends to maximize the relationship between play.In short, based on social strengths and characteristics, improve the transfer function is necessary. "Li Ye, Analysys International senior analyst.

Li Chao also pointed out that there are payment companies behind both WeChat and Weibo. Paying is a very important first step for all Internet companies to enter the Internet finance industry. Currently, the payment function has been opened and an important Application is transfer. At the beginning of the year, a large number of users had accumulated in WeChat envelopes. Users frequently used Weixin envelopes to transfer funds more frequently than traditional third-party payment methods. Therefore, the launch of WeChat's transfer work was to meet market-oriented needs.

Qian Haili, an assistant analyst for Internet Finance at the China Electronic Commerce Research Center, said WeChat and Weibo belong to the relatively large number of social networks gathering fans. Both of them have launched payment and transfer functions. Tencent and Ali are behind mobile payment Pinch each other, the most fundamental intention is to seize the mobile payment users, cultivate the user's payment habits.

NFC payment or into the next outbreak

According to iResearch's statistics, the transaction volume of China's third-party mobile payment market reached 1,532.88 billion yuan in 2014Q1, an increase of 112.7% from the previous quarter. Among them, the rapid growth of mobile Internet payment, accounting for the overall proportion of mobile payments has reached 98.5%.

"The increase comes mainly from the Internet payment, from two aspects: First, third-party payment companies pay more and more attention to the field of mobile Internet payments, heavy launch such as taxi and other scenarios to increase the number of users and viscosity; Second, Internet payment habits have gradually taken shape and there is a tendency that payment habits migrate from the PC side to the mobile terminal. However, with the gradual expansion of the scale of mobile Internet payment transactions, the growth rate tends to slow down. Stability, market share decline; the near-end payment market is still in the stage of basic environmental construction and user training, sluggish growth, market share squeezed. "Song Yang, iResearch analyst pointed out.

In fact, in addition to the Internet companies represented by WeChat and Weibo, in 2014, banks, CUPs and operators are also actively placing mobile payments. For instance, China UnionPay proposed that all parties in the industry chain should promote cooperation in an all-round way and will launch the mobile payment platform for mobile phones jointly with China Unicom and China Telecom. However, they are more focused on the layout of NFC NFC.

"WeChat, Weibo and Alipay wallet in fact represent the remote payment methods to mobile Internet networking, user-friendly," said Li Ye.

"At present, remote payment is far ahead of NFC NFC payment .NFC is also changing this year, but whether it can break out next year depends on the participation and promotion among banks and CUP operators because the industry chain is very complicated. From the point of view, the need for handset manufacturers, chip equipment manufacturers have very good control, from the point of view UnionPay, all terminals need to be transformed costly, the need to spend money and time to promote customer acceptance, such a long chain In each of how much profit, how much to pay? NFC if it broke out, requiring UnionPay and operators to coordinate their respective division of labor to jointly handle the industrial chain. "Li Ye pointed out.

Qian Haili also believes that there will be hundreds of mobile payment in the future. With the development of mobile payment habits, more business models can be grafted, and the user experience in the Internet era comes first. Although many enterprises prefer to increase their functionality in mobile payment, it is convenient Users, but users are concerned about the security of funds to pay, the layout of mobile payment business premise should be to ensure the safety of funds. NFC payment is still at the beginning of the layout stage, involving more middlemen.

However, Li told the "Daily Economic News" reporter said that mobile payment development is fast, but the main driving force comes from mobile providers, this round of competition in mobile payments Internet companies will be the most earnings; and for banks , CUP and other mobile payments because there is no rich mobile shopping scene to join, a slight disadvantage. The reason why the mobile Internet companies do not use NFC is because it is not so strong physical, financial, human and resource advantages, it is difficult to get the entire NFC industry chain.

Li Chao believes that in the future, NFC is definitely a trend of development and a widely favored payment method of all walks of life. When we pay more attention to the safety and convenience of funds, it represents a new means of payment and technological discrimination and may become Mobile Internet payment next explosion point.