What else can network pay?

Newspaper reporter Mahai Lu Xianwen

This year, the Electric Business Promotion campaign "Double 11" activities can be said from the beginning of November 5, the rush to preheat up the day began, "Taobao control" busy to pay treasure to recharge, to obtain the opportunity to extract cash red envelopes.

For the network to buy a family, Alipay such a network payment tool can be said to deal with it every day, but you may not know that network payment in addition to online shopping, but also in our daily life as a "good helper" role, such as the payment of traffic fines, hospital registration, credit card repayment, investment and financial management ... Today, the reporter takes you to see the various "possibilities" of the network payment.

Alipay, not only online shopping

A set of data can be seen from the tip of the iceberg for today's widespread use of online payments. Since the birth of 8 years, Alipay attracted more than 750 million registered users, the daily transaction amount of more than 4.5 billion yuan, daily trading pen more than 18 million, the peak reached 33.69 million to record a global record, all transactions are completed online. These transactions, if all through the counter operation, requires about 700,000 bank counters, nearly 100,000 bank outlets. And Alipay completes all these tasks and provides perfect service, only needs more than 3,600 people. In addition to Taobao and Alibaba, there are now more than 460,000 businesses to use Alipay, covering the scope of consumer shopping, air travel, financial management, education and many other aspects.

For buyers, network payment provides a great convenience, and for the sellers, the network payment provides including on-line, offline and wireless full service payment services, and through the two-dimensional code payment, super collection, travel guarantee transactions, and other innovative applications to help businesses realize the payment process optimization for business development to provide comprehensive support. Data show that Alipay currently provides a stable and reliable payment service for nearly thousands of merchants in 34 countries and regions around the world. and support including the United States dollar, Hong Kong dollars, Sterling and more than 10 kinds of overseas currency settlement, Asia Airlines, Dragonair, KLM, Burberry, Zara and other well-known multinational companies are supporting Alipay cross-border payment services.

In addition to online shopping, Alipay can also be used to do? Alipay this "answer": Alipay site to provide "transfer to Alipay" and "Transfer to the bank card" two small money transfer services, not only convenient and fast, but also a certain amount of free handling charges. At present, Alipay can for the domestic 31 banks credit card repayment, in addition to ABC, the remaining 30 bank credit cards are supported on the day of repayment to the account, and all the bank repayment is free. For a considerable number of credit card users, Alipay has become their fixed repayment methods, statistics also show that Alipay has been in addition to peer-bound repayment, the largest domestic credit card repayment channels. In addition, Alipay is trying to help users with more life applications. Since 2008, the payment of water and electricity to pay the treasure has covered more than 100 cities nationwide, fixed-line broadband, mobile phone recharge fees have also opened, this year also added to the cable TV fee, traffic fines agent, property charges, hospital registration and many other life-fee services.

How safe can it be

Security, must be the first, followed by the wheel to get convenient and so on other properties. This is the problem that users pay most attention to the network. According to Alipay Research, 88% of users worry about paying security, and 30% of them suspect they've met a phishing site or a liar, and the actual loss is only five out of 10,000. Visible user's vigilance is very high.

Security is, of course, the cornerstone of the payment company. Alipay has established a set of security programs based on communication encryption, security control, privilege system and risk monitoring system. The user's sensitive information is kept and transmitted strictly encrypted, and each transaction is protected by the real-time Risk monitoring System (CTU). Quite let Alipay proud of, in addition to technical means, they also have the industry's largest risk management team, of which only the specialized risk management department has nearly 200 people, together with other technical support staff, there are more than 1000 people in the Fund for the payment of customers security escort.

Is 2012 going to be the end of the world? This may be just a topic for us to laugh at, but it is not a hypothetical proposition, but a real topic for professionals who are engaged in paying security. According to Alipay, the responsible person revealed that in order to prevent the possibility of a devastating disaster, Alipay invested heavily to build a disaster backup system. This system guarantees that even if the Alipay main system is destroyed by a major disaster, all data security of the user can be fully guaranteed through the backup system. Previously, Alipay's payment security system has been DSS international authoritative certification. Alipay is also the main initiator of the cross-Industry Security payments Alliance, and in the first half of 2012, Alipay joined hands with partners to shield more than 133,000 phishing sites from the world's total phishing sites, accounting for 39% of the global fishing site.

Technical support behind massive trading

A "Double 11", 24 hours of trading volume how many? Last year Alipay dealt with 33.96 million pens. 2010 's "Double 11" Taobao only one-day turnover of 936 million yuan, more than 10,000 yuan per second transaction. This year, "Double 11" has long been more than the days of cat and Taobao playing, I am afraid the volume of transactions have to increase a range. The 2008 Beijing Olympic Games, the audience high enthusiasm to buy tickets, the sale of the system to the whole paralyzed.

The second important attribute of payment is that it must be stable, can withstand instantaneous massive transaction impact, and continue to serve stably. Like City taxis in Friday 5:30 P.M., under the circumstances of heavy rain, but also to ensure that people who want to take a taxi can be called along with. Experts say that the three most typical features of payment are: one to be very stable, the payment system can not be a while without a moment; 2nd, a penny can not be poor, the 3rd payment of the order is true, indeed I issued. The vast majority of financial companies rely on high-end equipment to achieve these requirements. Network payment enterprises must also be done, they also have to go the technology and cost of the two high input route, otherwise, it is possible in the "double 11" to buy a pair of shoes, like the spring Festival to buy a train ticket, line three hours have not logged on 12306. So, who's buying?

Large-scale computing cluster plus the leading control means, the computer cluster has more than 10,000 machines plus hundreds of channels, with more than 100 banks and financial institutions at home and abroad, hundreds of thousands of merchants together, this is from the "physical phenomenon" to describe Alipay system. The world's largest online payment platform, the daily transaction amount of more than 4.5 billion yuan, more than 18 million daily trading pen. These transactions, if all through the bank counter operation, about 700,000 counters, nearly 100,000 bank outlets. The system also stores a large amount of transaction information, when a new transaction occurs, the security system will automatically be compared with thousands of parameters, hundreds of thousands of guesses, in real-time to determine whether the transaction is reliable, if the risk of the determination of the extraordinary, may cancel the transaction.

This is a real "cloud computing" case. It is noteworthy that all services are almost free of charge to the buyer's users. This is the network payment enterprise differs from the bank place, cannot completely regardless of the cost high input, but must maintain the low transaction cost, can let the user be able to use, is willing to use. So, technology research and development is very important.

Take the real time monitoring transaction volume of Alipay as an example. On this day, at 0, without any warning, trading volumes suddenly soared, between 6 and 8 in the morning, hitting peak again, trading more than 80% on weekdays. The monitor judge this day may be an unusual day, to 10 point, found that there is a system can not support the fast, must be online upgrade replacement. Because, the average daily real peak in the evening 10 o'clock-11, everyone back home busy housework, the children also sleep, began to sit in front of the computer online shopping. In order to cope with the possible evening pressure, engineers made a decisive decision to temporarily shut off the non-critical system to ensure the success of key system transactions. Always pay attention to adjust, this is dynamic transfer. It certainly cannot rely on the engineer's "human flesh" observation, but technology, can be in the "second level" of time to detect any anomalies and rapid diagnosis, in the "minutes" of time to control the payment channels, scheduling computing resources, rapid recovery of any failures and ensure high-quality payment services.

A change brought by a POS machine

"The use of the POS machine to pay the world has provided both convenience and benefit to my business." "Talking about these several months to use the world POS machine Feeling, Jinan changqing Heng Xiang Chicken cooperatives in charge of the Li Hengchao of the Chatterbox opened."

Li Hengchao told reporters, a few months ago, the world's Jinan received a single service provider to expand their business to find me, after understanding I decided to install a POS machine, the staff in two days completed the full application and installation and commissioning work. These days, he felt a lot: first, cooperatives are far away from the bank, but the money is always in the bank security. So every time we have to go to the city to withdraw money, save, very inconvenient. With the POS machine, save a lot of time, the previous one weeks to two times, now one months to go once on the line. Second, some merchants always like to drag money. Since the POS machine, we have the initiative, any more than 1000 yuan in the transaction, we are asking the merchant to pay the card immediately. The POS machine also helps us avoid the risk of receiving counterfeit money. "There are not many cooperatives with POS machines, and the merchants of other cooperatives may come to us because they have not brought cash but are anxious to have the goods." There is also a very important point is to book fast, today's brush, tomorrow will be able to account, which saves us more time, feed also more flexible. ”

A small POS machine can bring about such a big change, this shows that the "potential" of online payment is waiting for more small and medium micro-merchants to understand more deeply. In fact, in the vast western part of China, two or three-line cities, the use of net silver is still very low, but this does not mean that the individual and merchant networks in these areas pay less demand, but the current main network payment channels, such as online payments, mobile phone payments, etc. do not meet the characteristics of many rural areas of users. Zhou Ye president of the world so that in the two or three-line city to promote the advantages of POS, traditional POS users do not need to learn the relevant knowledge, and the use of bank cards in the traditional POS machine card with the bank counter is similar to the process and steps, and rural users have been used to close. In addition, with the popularity of bank cards in rural areas, rural supermarkets, brand stores, such as the laying of POS machines, rural users of traditional POS transactions have more hands-on experience.

Zhou Ye said: "At present the United States every 20 people use a POS machine, and our country is every 100 people with one; At present, there are about 200,000 POS machines in Shandong, we expect to increase to 1 million units soon." "Meng International senior analyst, said:" The current one or two-line city POS receipts market penetration is relatively high, mainly by the commercial banks and UnionPay business mainly. So for the new entry of other third-party payment enterprises, the western region, the two or three-line city competition is relatively low, the market demand is more and more urgent. "No matter from which point of view, this small POS machine brought about by the change is a" win.

A change brought by an electronic ticket

Before 2006, the Air ticket field has been in the "Escape ticket" stage, air ticketing agent Shiji has more than 1000 employees are all responsible for air ticketing business, but each drawer can only "run" more than 200 tickets. In order to quickly and better the ticket delivery and reception of customers, Shiji Enterprises in Shanghai opened more than 30 business points. The real change took place in 2006, this year, the CAAC began to implement the full implementation of electronic ticket, which facilitates the passengers, agents, on the other hand, the financial payment enterprises to create opportunities. It was at that time that the world began to focus on the huge potential of the market to enter the field of air payment with innovative products.

An electronic ticket, a third-party payment enterprise, the airline ticket industry has undergone great changes. Shiji recalls the situation when the electronic ticket was just introduced, his airline ticketing agent has since been able to engage in a nationwide air travel agency business, trading volume has grown rapidly, but from the "payment process complexity resulting in slow ticket speed" and other new issues began to annoy him, for example, agents in addition to human and financial , but also to compete speed and computer hardware level.

However, the problem soon found a solution to remit the world according to the needs of aviation agents, research and development and provide for electronic ticket payment of innovative payment products "PNR payment window." Through this software, Shiji salesman can use an account at the same time login to more than 10 airlines, in a comprehensive booking interface to purchase and order separately, but also through the account to consolidate a number of transactions unified payment. As a result, the time to order tickets to airlines is shortened from 5 minutes to 10 seconds, and the benefits of this "speed-up" are staggering. 2010, the world and according to agents of the latest demand for "PNR payment window" to increase the function of credit payment, provide short-term free cushion services, improve the air ticketing agents cash flow speed, but also accelerate the entire airline ticket industry chain of e-commerce transformation.

Shiji told reporters, so far memory is profound, throughout the 2007, in order to improve the efficiency of the system and the use of experience, remit the world's developers have a large six months stationed in their company office. In 2010 years, the use of more than 3 years of products, "PNR payment window" to increase the function of credit payment so that he is a bright. The function of the credit payment provides the short-term free Cushion Fund service, for the enterprise capital turnover pressure has been greatly relieved. "With the cash flow, we can just go through the airline's business-to-business to get tickets, and the value-added services of our partners have created opportunities for business expansion." "Today, its company has more than 400 employees engaged in air ticketing business, each drawer can open more than 2000 tickets a day." 6 years, the staff has been reduced, the business scale has realized from hundreds of millions of yuan to billions of Yuan leap. This is the value of online payment creation.

Payment also financial

The latest earnings of the fund industry in the three quarter of this year show the average income of the money Fund is 0.79%, the annual yield is 3.2%, the performance is obviously better than the stock type and the bond fund; The data also shows that the World Limited Company's daily surplus "super cash treasure" supported by the four Money fund Huaan cash increase, Peng Hua currency a , long letter interest and the latest join of Haitong currency A in the fund's income list on the performance of the main forefront. The average annual yield in the three quarter is still higher than the 1-year term deposit rate (3% per cent), although the recent return on the money fund has fallen as the central bank has cut interest rates twice.

Pay the money too? Right! Every day surplus "super cash treasure" is such a convenient, professional cash management tools, investors can pay through the network to buy financial products, so that "money for money."

Reporters from the world learned that users can now easily use the fund to pay the platform, its from scratch through more than 4 years of history. Remittance to the world as early as 2006 to the Securities and Futures Commission funds to carry out the fund to pay the settlement business of the idea, after a few years, the efforts of all parties to achieve the cooperation agreement to make the original assumption of the official "landing." April 2010, the remittance data officially obtained commercial operation Record, authorized to provide payment service for the fund company online sales; May 31, 2010, officially in Huaxia Fund Direct marketing website opened every day surplus account services. After the major fund companies have "settled in", at present, one-stop financing platform every day surplus (www.ttyfund.com), real name registered users have exceeded 1.5 million, to support 48 fund companies, 32 banks and nearly 900 hot fund products, covering the fund to pay 95% of the market share.

A user of super cash Treasure said in an interview with reporters that at ordinary times work very busy, want to financial and struggling to find the right channel, the first contact every day is also holding to try the psychological, did not think of the operation of the province and worry, the most important thing is to save the purchase fee. "When the market is good or there is an investment intention does not need to redeem it will be able to direct the super cash share" real-time conversion "for every day to support the other 46 fund companies of any products, and enjoy all 40 percent of the purchase rate concessions, which are many similar products do not have. ”

Move to pay that little thing

As you read these words, you may be around to a mobile payment scene that is happening

8:30 A.M., Juping on the bus to see someone used "Aunt Snow" mobile phone shell, she also took out the mobile phone with Taobao app query price, about the price is 39 yuan, with mobile phone shopping can be cheap a few yuan, so this product became her shopping cart in the 58th collection. Evening 22 o'clock, busy after a day of things, Juping take out the ipad, open Taobao app, the next single purchase, use Alipay pay 35 yuan.

This is a typical use of mobile phone shopping taobao user behavior, women, early 9 o'clock, 10 o'clock in the evening, active pad users, commonly used shopping carts. The average mobile Taobao completes 83,000 transactions per hour, selling 155,000 items. As a mobile phone to pay the largest application scenario, the mobile phone Taobao accounted for the vast majority of Alipay mobile payment. Plus, such as the United States Regiment, handle, Air China and other mobile apps, the current domestic about 80% of the mobile phone dealers pay to use the Alipay.

Alipay also accounts for about 60% of the big mobile payments that include mobile phone swipe cards, near-field payments and long-distance online payments, research shows. Mobile payment, like PC payment, is still a fundamental service that relies heavily on the use of scenarios. Although the proportion of users using mobile phones to pay for PCs is only 1:9, it does not matter that the historical process of payment migration is taking place. According to Taobao statistics, in the active trading period, 10 minutes time, about 30,000 people through Alipay completed the mobile payment. Taobao expects about 200 million users to log on to Taobao by the end of the year, and by about 2015 years, half of the users would prefer to pay with their mobile phones.

According to the reporter understand, in addition to the same function as the PC site, Taobao mobile phone payment also has a lot of innovative bright spots, such as swing payments, NFC payments, Yue enjoy the racket. Swing payment, NFC payment is a use of NFC, lbs to share near the Alipay user account to achieve rapid Peer-to-peer payment, adjacent mobile phones are shaking or with NFC mobile phones close to each other, the phone will appear on the other side account, and then select Pay. Yue Enjoy the film is the use of two-dimensional code O2O payment, that is, through the camera to take a two-dimensional code recognition can be quickly paid, such as shooting "free lunch" in micro-Bo, bus stations, newspapers and other two-dimensional code, the recognition is to pay 3 yuan to the other party. Both can be used for online merchants to pay, but also for peer-to-peer payment between users.

In addition to Taobao, other e-commerce sites will certainly not ignore the trend of mobile payments. Dangdang is the top five of the domestic users of the comprehensive web site, in the severe situation of increasingly fierce competition in electricity business, when committed to product, technology and service innovation, especially in the logistics network, such as the construction of e-commerce infrastructure is very diligent, has launched the purchase function of Mobile Dangdang, online self-service type of return, Order tracking inquiry system, such as revolutionary products and services, nearly 800 cities to pay cash. Not only that, Dangdang started in February this year in mobile phone clients, pad client exerting force, together with the leading domestic information financial services provider Fast Money company to create a new mobile phone fast payment experience for consumers.

According to the introduction, fast money for when the equivalent of the mobile phone to create a quick payment solution, specifically for non-PC-side users can not carry out online purchase and payment issues, consumers do not need to log on net silver, only to provide card number and related information can be completed to pay, which is to a large extent to help when breaking through the online payment bottleneck, improve the payment success rate, Dangdang director said, compared with the traditional net silver payment, mobile phone fast payment has obvious advantages of convenience. In the six months since, as when the coverage of more users, improve the order conversion rate, retain more consumers. At the same time, through the comprehensive payment solution of fast money, help when the financial implementation of unified management, improve the efficiency of capital, accelerated when the development.

This actually also said a lot of electric business enterprises to choose and pay for the company's deep cooperation reasons, it is understood that as a representative of the comprehensive mobile payment platform, fast money has always been for the needs of merchants in mobile phone payment in the field of strategic layout. Last September, the fast money launched the new payment platform "Fast +", as well as the platform based on the next generation of mobile payment strategy. At present, the fast money has been formed including mobile phone voice payment, WAP gateway payment, Inapp, fast brush, etc., such as the complete mobile phone payment product matrix. In addition to when, Jing-dong, easy to hear, Bowser, where customer prudential products, such as domestic electric enterprises and fast money company for many years, fast money in the independent market share of the market has more than 90%, ranked first in the industry.

Fast Money related to the person responsible for the reporter revealed, based on "fast +" payment platform, fast Money will also further expand the mobile payment product line, there will be based on mobile interaction, mobile sensing, mobile computing, mobile network more remote and on-site payments and value-added applications to meet with consumers, in addition, the fast money will be united banks, UnionPay, operators, Terminal equipment manufacturers and other partners to build a complete mobile payment ecological circle. It can be foreseen that in the near future, users will be able to pay through the network to do more.