Micro-pos What can the appearance of this artifact change and affect?

Absrtact: After my days tracking, micro-letter Pos has surfaced, who is doing, why, how to use has been very clear. But there is a question, micro-pos The appearance of this artifact can change and affect what? The answer I can only find from insiders, I

After my days of tracking, micro-letter Pos has surfaced, who is doing, why, how to use has been very clear.

But there is a question, micro-pos The appearance of this artifact can change and affect what? The answer I can only find from the industry, I and micro-POS sweeping founder Suke, Shenzhen Tianhong shopping mall O2O project manager Gao, a bank of Beijing POS business personnel, such as several discussed.

The first thing to be clear is that micro-POS is now in fact not limited to receiving POS hardware based on micro-credit payments, Alipay, fast money all third-party payment licensees can play this online payment to get offline operation of the "micro-pos", so as to achieve online O2O transactions in the payment link of the complete closed loop.

Just micro-letters and Alipay are now big players, and the other hundreds of 2011 of years after a third party to pay the license of the institutions, regardless of the size of the user or the O2O ecosystem can not be compared with these two, is excluded from the spotlight.

The emergence of micro-POS will subvert these three aspects:

1, mobile payment rise "mobile phone is the wallet" became a fact

The concept of "mobile wallet" is very early, but the idea is to use NFC chip to achieve near-field communication payment, similar to mobile phone as an example of bus cards. This kind of thinking will be with the mobile phone sweep code payment popularization, is completely abandoned, because there will be no hardware problems, as long as a mobile phone can be online.

After a taxi application war to the education of offline users, businesses (drivers) and consumers (passengers) have begun to accept and get used to this collection and payment methods. Therefore, can not underestimate the use of taxi applications war this scene, the promotion of mobile payment is even greater than to earn a taxi application site itself.

Suke that from the history and trend of payment, this is a change in money and payment methods. The use of money by humans has evolved from the initial shell currency to the metal currency to the paper currency and now the information currency (the credit card is also an information currency). Money can be fully understood as "a piece of information that can be stored and delivered."

At the same time the payment method is also changing, from cash payments, to credit card payment, the next 5-10 years will be "sweeping code payment" of the world; This is a way of paying the revolution.

2, the relationship between consumers and merchants to establish a chain, O2O closed-loop through

There is usually a four-step relationship between consumer and merchant: promotion, order generation, payment, and consumer feedback. In web consumption, these four steps can be done entirely in a browser or application.

But in the traditional mode of consumption (that is, offline consumption), the four are divided, you may be in the subway to see the ads, telephone reservations, and then to the shop after spending credit cards paid, Pat Butt away, there is no fourth feedback.

The emergence of micro-letter, Alipay Wallet will be offline consumers and merchants connected to the micro-letter deepen the relationship, to achieve payment, order generation, consumer feedback logically completed. In this way, consumers and merchants have established a deep, full relationship.

After a good meal in a small shop online, you may soon forget the location, but after buying something on Taobao you can easily go back to the store a few years later to see if there is anything new, this is the difference, micro-letter, Alipay through the micro-POS will be offline consumption online to complete, It allows all data to be recorded and connected.

It will get a huge social business data, the government can be data to see the entire social business accurate flow of the whole social business activities of the large data analysis.

3, UnionPay monopoly of the offline payment system was broken

In 2011, the third party payment license issued to date, UnionPay and Third-party payment licensees are basically zoned river, the UnionPay monopoly line to pay, Third-party payment licensees do most of the online payment, are docking with the bank.

The key to pay under the monopoly line of UnionPay is that the third party payment institution wants to be under the line receipt (that is, laying down the POS machine under the line) and must be liquidated by UnionPay and the bank, and the 2-storey handling fee will be collected in accordance with the 7:2:1 ratio.

But now the micro-credit payment and Alipay, such as third-party payment agencies, began to use micro-pos this internet way to delay the birth of the line. Plainly, with online payments can be paid under the trunk of the live, pay line under the payment business now is the frog in the warm water, there is no weapon to fight back, especially from the two governments ' stance, this kind of new financial instruments is a very positive attitude, including to the balance treasure to avoid death gold, an industry personage said, " This is why the recent point of micro-POS products suddenly began to hype the reason for it.

At the same time, UnionPay because of Monopoly online payment link, can not realize the promotion, order generation, payment and consumer feedback of the four modules to get through and be abandoned by the market.

Pay line under the payment system break will also hurt the traditional POS machine manufacturers, there is a need to reduce the forced transformation of enterprises, or product transformation. But the POS agent service provider will not be affected, similar to the micro-POS terminals also need to take this channel landing.

Another harm to the group is to earn gray income of the UnionPay middlemen, because UnionPay pos processing rates are different, so there are some of the middlemen pay the POS business, earning service fee difference rebate, with micro-pos such as internet payment products transparency, their interests will be eroded.

With the user to make the business

A kind of traditional third-party payment for fast money. Familiar friends, UnionPay and fast money, is from the merchant end to pry users, affecting the entire market, such as fast Money now also known as 100 million registered users, but most of them are led by the merchant to produce users.

and micro-letter and Alipay, rely on from the user side to pry merchants, affecting the entire market. This transformation is very scary, the former user is passive change, the latter is active acceptance. Tencent has 600 million micro-credit customers, Alibaba Alipay registered account more than 800 million, micro-letter and Alipay can be completely with the world's users and make the business to change the rules of the game, such things have been staged, Alibaba and Yue City, the New World, Hualian, Wangfu, Tencent and Wanda Studios, such as the line of large business cooperation has slowly begun.