Pay-through with UnionPay is a "stand-in" option

Shi Qingwei, an intern reporter, was from Shanghai

On July 25, China UnionPay signed a strategic cooperation agreement with Shanghai Payment Information Services Co., Ltd. (hereinafter referred to as PayPal) in Shanghai, and both parties will conduct all-round cooperation. Not long ago, paid communications just Alipay chose to "break up."

Paid through the relevant parties to the "Daily Economic News" reporter said Alipay query only user data does not deal with the practice in April this year, the two sides have had communication, but Alipay is still high frequency queries at night, resulting in downtime, and other This is not the case with partners.

As for the payment through cooperation with UnionPay is a "station team" choice, the industry said that from the current situation, can not do this inference, and Alipay frequently check user information, may be to collect user information, which is contrary to the cooperation between the two sides Agreement.

"Flash marriage" UnionPay

Pursuant to the agreement, China PayPal will cooperate with China UnionPay on a nationwide basis. Both parties will focus on nationwide efforts to develop payment services for public utilities such as water, electricity, coal and telecommunications, and create a convenient online and offline payment service platform.

The payer on the "Daily Economic News" reporter said Pay-Tong cooperation with China UnionPay is more comprehensive, after several rounds of communication with China UnionPay, pay-Tong eager to enter the vertical areas, to avoid homogenization of competition, will consider choosing a platform As a support.

It is understood that before the payment through the UnionPay business platform "universal payment" had cooperation, universal payment is set payment, payment, marketing incentives, financial services and other services in one of the cross-platform platform products, 2013 "universal payment" business The total number of transactions 160 million pen, the total transaction amount of more than 380 billion yuan.

By the end of June, PayPal issued a statement announcing the official termination of its cooperation with Alipay for five years. According to the statement, in order to ensure the convenience and security of monthly payment for users of paytable platforms, the Company decided to terminate the provision of public utility billings channel for Alipay channels.

Paid in the notice mentioned in the protection of user safety refers to the June 7 pay-server server downtime accident, the main business website can not be traded normally found by Alipay is a direct result of a large number of high-frequency billing inquiries To

The above payers told reporters that in April this year, the two sides have already communicated on the matter, but Alipay still in the night (conducted) high-frequency inquiries, resulting in downtime. The other cooperation platform for high-volume inquiries, the source said that this does not exist.

However, Alipay official statement is given, Alipay think high-frequency inquiries are not initiated by their own, but initiated by the user, which eventually led to multiple problems, because payment technology and hardware can not keep up demand.

Data battle or the key

Pay-through and CUP Flash marriage, whether there is "standing team" means?

In this regard, many industry sources told reporters, according to the current situation, and can not come to this conclusion.

An industry insider said that in recent years, the CUP has also chosen to increase investment in the scene and proceed to the platform as a platform for commercial operation. However, it can not be said that payment is a stand-alone UnionPay because many original operations of UnionPay Life is paid.

Fuyou pay president Kang Jianming to the "Daily Economic News" reporter said Payton gave up Alipay chose Union "Union", the matter is not to pay business reasons, there is no "stand team" issue.

"Breaking up" may be Alipay deliberately collecting customer information, which is unsafe and irresponsible to customers. Paid customer information is only used for payment. Now, customers will not use credit (information) resources alone. Agreed that, from Alipay, the act itself does not violate anything, may only violate the agreement of cooperation between the two sides, fail to make ends meet. "Kang Jianming said.

Kang Jianming analysis, from Alipay, access to more customer information, (perhaps want) to provide customers with better other services, such as financial services and credit services.

Insiders are worried that this act of collecting customer information may be more and more in the Internet era, Shanghai Modern Business Promotion Center, Deputy Secretary-General Meng Xianhuang said in an interview prior to the interview, the main reason is because the payment system is not designed Compliance with the SSL security protocol, and now basically payers and sellers can see the user's information, which resulted in no one can see the data, no one can grab the data situation, but the current lack of supervision.

Judging from all parties' reactions, the data dispute is undoubtedly the most likely reason for PayPal and Alipay to "break up". The payers also told the Daily Economic News reporter that protecting user data is the target of the company and that Alipay's behavior is hard to speculate .