Next opportunity for third party payments

In combination with the recent release of the "non-financial institutions payment management measures" and the recently launched "Super Net Silver", in this context, the recent fourth session of the China Pay Development summit as the Chinese payment industry's highest level meeting in the media coverage seems to appear too low-key. And the IPs CEO Mao-June in the meeting after the reporter interviewed fragments of information, so I e-commerce and online payment of several links have a new understanding.

In the rapid development of E-commerce today, the electronic payment market in the next few years continue to maintain a geometric growth is almost undisputed, but in the central bank a series of new policy regulation, the electronic payment industry will be the direction of development? We can see some clues from the lines of the CEO Mao-June interview with the IPs:

1, "Access to a point unicom full network" will become the trend of system architecture. That is, a third-party payment gateway will be highly standardised, and a node access from UnionPay will be able to settle the network with any node that is connected to UnionPay.

2. The introduction of the "non-financial institutions ' payment management measures" will bring opportunities to the Third-party payment enterprises. Once met the boss of a networking platform for things, talking about the issue of payment licences to develop their own development could not stand. Careful study of the "management measures", we can find that the "management measures" in order to ensure the stable development of the industry, set up a multiple "firewall": Registered capital Firewall, custodian fund balance firewall, technical security firewall. This analysis leads to the conclusion that:

• "Management measures" in favor of the formal third-party payment enterprises, and set a high threshold for new beginners, this is the case when the Maoist was asked about the issue of the licensing of IPs, it is evident that. The new starter and its own platform to solve the registration fund, settlement balance, technical system security issues, and directly with the third party to pay the enterprise cooperation.

• Mobile interconnection provides space for independent third party payment enterprises. Alipay and other corporate payment companies will focus on their mobile E-commerce platform, while independent third-party payment enterprises will have many opportunities to work with a variety of independent E-commerce platform and carrier platform.

3, small payment, micro-payment will become the beginning of third-party payment of mobile E-commerce. Although we are increasingly aware that mobile e-commerce will bring about a commercial revolution, but this era will not come soon. There are still questions about the security of payment, and the security technology of mobile interconnection is still not perfect, so micro-payment will be the first step.

4, "management measures" for the third party payment industry virtuous Circle is of great significance, but also to accelerate the development of mobile E-commerce. "Management measures" promulgated, will effectively avoid herd, vicious competition situation. This will ensure that businesses focused on third-party payments have a legitimate interest in not destroying the entire industry because of vicious price competition. Due to the focus of professional services, will be mobile e-commerce and the Internet industry to provide business support and industry solutions, professional division of labor, conducive to the rapid development of new industries.

the development of the third party payment industry in the past ten years to three stages: the first phase of 2000-2003, to provide gateway services for China's e-commerce, to solve the basic gold flow problem; The second phase of 2004-2006, the development of diversified products to meet different needs; Phase III 2007-2010, to provide the industry with a deep customization of the solution. With the introduction and implementation of a series of administrations and the popularization of 3G, the fourth phase of the third party payment development is likely to commence in 2010. (Wen/Ningjie network zhouning)