Under the line to receive a single or play "Three Kingdoms Kill"

Internet giants have expanded their tentacles beyond the one or two-line cities, including rural areas, and will be the "second battleground" for mobile payments. The next 3-5 years, including medical, travel, finance, life consumption, virtual games to move to this vast market.

Micro-letter, Alipay side of the car sent over the side of the red envelope began to discount, in order to occupy the market extravagantly. Seeing their own turf increasingly eroded, the sitting of the UnionPay began to lower the value of participation in the "bombing" activities. Commercial competition has never been like the payment field, so exciting and expectant, a lot of reader in addition to the joy of talking about also enjoy the "benefits." Tyrants War, let the storm come more violent!

Under the line to receive a single or play "Three Kingdoms Kill"

Moving payments to the offline sprawl has been overwhelming. The most powerful competitor, in addition to already "Liang Jian" Ali, the next shock may be micro-letter. Some sources say that micro-credit POS machine will soon be put into use. Once the micro-letter is exerting force, what do you think about UnionPay?

According to news from media intelligence, the industry called micro-credit Pos machine is about to enter a commercial stage, its official name is the palm of the micro-POS, the product "perfect docking micro-letter card package to achieve O2O closed loop", but also independent of the micro-letter "Self-Service point single" function, Users can use micro-letter scanning two-dimensional code in the restaurant's micro-credit on the public number of self-help orders. Although Tencent has repeatedly stated that it did not do "micro-pos" products, but its various functions based on micro-letter, once a wide range of use, will help micro-letter online Gongchenglvede.

Internet enterprises, UnionPay has always been the oligarch thinking unsustainable, this year, UnionPay first joined the "Double 11" and "double 12" activities, lower posture and "gome online" and "Beauty said" the client teamed up, the corresponding concessions to consumers favor.

Of course, as the traditional payment industry hegemony, UnionPay will not just send out red envelopes so simple. In November 2014, UnionPay opened the payment function in the app Store, and the cardholder could pay a key by tying the UnionPay card to the Apple ID account. In addition, UnionPay has announced that it is working with Microsoft on a mobile payment business based on the Windows tablet. But for UnionPay, the show is still 2015 years old. The confirmed news is that UnionPay and handset makers are looking at Android Pay similar to Apple Pay, which is expected to complete commercial landing in the three quarter of 2015.

UnionPay has invested heavily in NFC in recent years. After the application of this technology, users only need to put the phone near the "flash" receiving terminal, you can achieve payment, do not need any manual operation. It is reported that UnionPay in the country has a "flash pay" processing terminals more than 3.6 million units, each at least 300 yuan renovation costs, only this one, UnionPay invested more than 1 billion yuan. With such a huge effort, UnionPay will never allow itself to return to the mobile payment war.

A person close to the bank from the headquarters of the four main lines told CM Huaxia Financial, NFC does not rely on the network, more convenient and safe than two-dimensional code. But he declined to comment on who could dominate UnionPay and Alipay. He believes that the advantage of Alipay is already the first step to occupy the user resources, many people think of mobile payment will first think of Alipay, at the same time Alipay function is very complete, set up from the balance treasure and other financial products to the consumption of payment chain, in the consumer financial advantages. In addition, Alipay to the business support is also in place, this is the experience of UnionPay need to learn.

The person analysis, UnionPay to sniper pay treasure to the line of the encroachment, time is an important factor. If Alipay is widely promoted, users form the habit of using, and the NFC mode of UnionPay will have to spend the cost to change the user's usage habits. "In the future, UnionPay may also be brought into the rules of the game made by internet companies, such as attracting users with concessions or lowering fees for businesses," he said. ”

Mobile payment era, offline collection or will be staged three killing, a big dial tyrants scramble to grab food, Happy enclosure results may be "red envelopes" disorderly fly, the ultimate benefit is consumers.

Alipay, QQ opens up "The second battlefield"

Perhaps soon, mobile payments will usher in another dark horse QQ wallet. The product, which had been on line as early as March 2014, did not start exerting its force until the end of 2014. According to Tencent, micro-letter payment and QQ wallet positioning is different: the former main one or two-line city, the latter mainly 345-line cities. Discerning already see, QQ Wallet is to sniper Alipay development two or three line city and rural market and "private custom". As for the QQ wallet why may become mobile payment "Dark horse", can refer to the 2014 Spring Festival micro-letter.

Internet giants have expanded commercial tentacles beyond the one or two-line cities, including rural areas, where they will become the "second battleground" of mobile payments.

The 2014-year Alipay Bill has become one of the hottest topics in the Internet industry. This bill not only brings the conversation to the user, but also provides a lot of information to the peers. According to Alipay released news, as of October 31, 2014, the national mobile payments accounted for more than 50%, and the proportion of the overall higher in the western region. In the provincial mobile payment ratio rankings, Tibet, Shaanxi, Ningxia, Inner Mongolia monopoly of the top four, accounted for 62.2%, 59.6%, 58.3% and 57.6% respectively, of which Tibet has been for three consecutive years of mobile payments accounted for the first. These figures explain why Alipay and Tencent have been exerting 2345-line cities and rural areas successively.

Earlier, the Ant O2O Division general manager Wang Lijuan has published a group of data: In the first half of 2014, Alipay's new users one or two-line city only 48%, three-tier city growth rate of more than 52%. This shows that the two or three-line urban market and rural areas will be a huge potential market. Alipay to the payment tool to the three or four-line city, and Ali the development of rural electric power business strategy consistent. Alipay plans to move its range of services, including medical care, travel, finance and living expenses, to this vast market, which has been practiced in the first-tier cities. Wang Lijuan expects years to get 100 million farmers in the future.

QQ Wallet and micro-letter payment is also based on tenpay payment system, QQ in the three or four-line city and rural areas have a broader user base, over 800 million users, over 500 million of the monthly active account, over 60% of the mobile end, no matter how the interpretation is absolutely a huge gold mine. Virtual games, payment finance, electricity quotient and so on can become its development direction. For Tencent, the future QQ users do not need to remember the bank card number, just remember QQ number can be consumed at any time.

Virtual Credit Desire curve reverse attack

In mid-December 2014, the news of Alipay's overdraft could be circulated. Although Alipay official denied, but Alipay virtual credit card still has a huge imagination space, just imagine, Ma Yun layout for many years of "off card" plan, how could the lack of virtual credit card this scene?

In fact, Mr Ma began playing virtual credit cards since 2013, when the background was that the success rate of payment through the PC has exceeded 90%, but the payment of Bao-bound mobile banking success rate of only 38%, which means that the bank in the slow down payment treasure, become payment under the wire mobile payment obstacles. Ma Yun is very worried, he thought of credit payments (the industry called Virtual Credit card), realize Alipay bypass entity card overdraft consumption.

Although the rumor had a kind of model at that time, but finally nothing.

Until March 2014, Alipay and Tencent combined with Citic Bank to launch a virtual credit card, G2 's virtual credit card is different from the virtual credit card that the real bank has launched. As an independent financial product, their common denominator is to get rid of the physical card bondage, the first time the Internet large data into bank credit products, and real-time online distribution. Simply put, Alipay to the user 5000 yuan limit for consumption, users can obtain credit limit after the first payment, 38 days free of interest.

However, G2 's virtual credit card "for well-known reasons" by the central bank to stop the emergency, nothing more than the Internet G2 the bank and the cheese. However, G2 is not to be trifled with, two companies share of the network of banks have been approved, has foreshadowed the G2 virtual credit card footsteps can not be stopped.

Now, the only problem is the credit system, which is the way to go. At this time, the central bank to encourage the establishment of the private credit system, Ant-Chi's credit system in October 2014, the key to the low-key start of the low, Tencent also announced a High-profile announcement will establish its own credit system. Ali official data show that up to the end of June 2014, Alibaba's Taobao, cat and other retail platforms have 279 million active consumers, 8 million sellers here, 300 million people visit the site every day, 50 million people to achieve a deal, 158 million parcels need to be transported. With such a huge amount of data, Ali's credit system has a very strong foundation. For Tencent, 600 million users of the micro-letter, but also become a credit card system. At present, two companies are actively applying for a credit licence, which will pave the way for the creation of a virtual credit card once the licence is implemented. The birth of virtual credit card will bring another new picture to mobile payment.