Safe One wallet launched Super Bluetooth payment, Guangdong Shenzhen, part of the commercial pilot

　June 10, Ping An's ping an company 's One wallet Eject Super level bluetooth payment, in Guangzhou, Shenzhen, some of the commercial pilot.

Ping An related person responsible for the 21st century Economic report June 11 said: "Super Bluetooth settlement does not take the UnionPay channel." "Users can choose to set a small number of password-free limit (0 to 10,000), offline payment defaults first from one wallet account balance deduction, the balance is not enough again from the binding bank card deduction."

That is to say, peace pays itself as a receiving agency, then takes the online bank payment channel to settle directly with the bank. "We have a lower rate for the merchant during the pilot period and the information we share with the bank is not disclosed," said the person in charge. ”

According to a person familiar with the 21st century Economic report, said Alipay before the push to pay the two-dimensional code before being stopped its rate of 0.6% or so, the participation is divided into Alipay and banks. For online banking payments, the banks do not have a unified standard, Alipay can go to a family to negotiate rates, the specific proportion of the two sides agreement.

However, Bluetooth, two-dimensional code payments and other means, although it is actually offline payment, but because it bypassed the UnionPay channel, so the rate not only by the NDRC's credit card rate rules, relatively lower a lot. In contrast, the general category of card handling fee rate is 0.78%, higher up to 1.25%, of which card issuing bank, UnionPay and the receipt of a single body is divided into 7:2:1.

While banks are still the largest recipient market share, third party payments are not negligible. Huang Jianjun, general manager of China UnionPay Business Department, said June 10, the current Third-party payment agencies in the receipt of business transactions accounted for 21.7% of the scale.

"This data should be underestimated. If you add a transaction that has not been transferred by UnionPay, the ratio should be over 30%. ”

Super Bluetooth PK Two-dimensional code, NFC payment

In the super Bluetooth use scene, the merchant may introduce the product, the discount promotion, the coupon and so on related information, uploads to one wallet information platform. When the user passes the merchant store, the handset can automatically receive the merchant's information to push. After entering the store, just close the phone to the business POS machine Super Bluetooth equipment, you can complete payment.

The merchant simply installs a button-size device on the original POS (low cost, provided free of charge by Ping-an) and eliminates the need to replace the POS machine and the Scanner gun. But the merchant more valued obviously still its marketing function, the customer has not entered the door can push the information to the customer, attracts it to the shop consumption.

The chief technology Officer Zheng Yide, the Super Bluetooth through Low-power Bluetooth to create a signal area, mobile intelligent terminal into the area, the terminal equipped with this app can receive the information of the business through Bluetooth signal. The innovation of peace payment is to realize the two-way information transmission between the merchant POS machine and the user's mobile phone, so that the technology is extended to the payment link from the information push.

Mobile payment has a variety of offline payment methods, two-dimensional code, Sonic, NFC and so on, super Bluetooth has what advantages?

Ping-fu that with mobile phones near the super Bluetooth equipment, instant payment, form and NFC near-field pay similar, but more convenient than the two-dimensional code payment.

In addition, Zheng Yide introduction, super Bluetooth does not require a merchant to replace the register, do not require the user to replace the SIM card phone, for businesses and users, are "a lift." While some NFC payments can now be implemented without replacing SIM cards and mobile phones, POS machines still need to be upgraded.

For security issues, Zheng Yide said: "We have super Bluetooth information transmission, a multiple encryption, to ensure that businesses and users of the money security, and has applied for patents on related technologies." ”

But in the industry's view, security and privacy issues are ibeacon pay is not optimistic about the reasons.

"The Ibeacon protocol is open and easy to forge, the deployed node may be maliciously used by others, and even forge a Beacon with identical IDs, it is difficult to guarantee payment security." The application can collect the user's position information and behavior information, and how to guarantee the security of these privacy information is not yet regulated. In countries where privacy is ibeacon, there is basically no market at present. said the industry personage.

The Battle of O2O

As the two-dimensional code is "suspended" by the central bank, the domestic mobile payment line expands at an impasse.

Mobile payment as the key link of O2O, whether it is the traditional financial enterprises, or the internet giants, are in this field layout, all kinds of electronic wallet endless.

Before, borrow heartily, UnionPay also made a "history of the most generous" marketing, total investment in about 200 million. The offline part of the activity is achieved through the "UnionPay wallet".

Different from one wallet, Alipay and other third-party payment development of the "wallet", UnionPay the main model of this product is to use its large number of bank card-end resources, integration of user and merchant resources. Its positioning lies in an open, platform-oriented marketing tool, card issuing banks, receiving agencies, businesses, life services organizations can access the "UnionPay wallet" use this tool.

According to the introduction of UnionPay, the current "UnionPay wallet" number of users up to millions. "During the activities of the merchants do not charge money, the purpose is to make a big cake, to seize the O2O entrance, improve product coverage." ”

and the safe payment of one wallet version in January this year on the line, after the group requirements, ping an life and other subsidiaries of employees widely to external customers recommend this product. However, because of technical support and improvement issues, in February, Ping an temporarily suspended the wallet of the external promotion. Ping An introduction, until May 6 this year officially to the public online version 2.0, the current number of users has reached millions of.

Although in a variety of "wallet" directly implanted large amount of payment function is not difficult to achieve, but from the current market, and mobile payment, a larger amount of consumer cardholders more accustomed to swipe card, but also more identity card security, card "off the media" is still a long process. (Edit Machun)