让彼此独立且存在竞争关系的机构转为合作,这在业内看来有不少敏感的问题需要平衡。在这场变革中,谁又会成为赢家?

Turning independent and competitive institutions into co-operation seems to have a lot of sensitive issues to balance in the industry. Who will be the winner in this transformation?

当前人们在线下结账时,一般可以用微信App扫微信二维码,或是用微信App扫微信、支付宝等机构“一码通用”的立牌(即聚合二维码)付款,未来用银联、银行App扫微信二维码付款也将成为可能。

At present, people can use WeChat App to scan WeChat QR code, or use WeChat App to scan WeChat, Alipay and other institutions \"one-yard universal\" brand (that is, aggregate QR code) payment, the future with UnionPay, Bank App sweep WeChat QR code payment will also become possible.

1月3日,据21世纪经济报道,银联与腾讯旗下财付通公司近日已就条码支付互联互通达成合作,双方正共同研究条码支付互联互通技术方案,率先建立全面互扫互认的条码支付服务网络。新京报记者从腾讯方面获悉,经内部核实,该消息基本属实,财付通公司与银联正在开展相关合作试点。

On january 3rd, the 21st century economic report, unionpay and tencent's tencent company have recently reached a cooperation on bar code payment connectivity, the two sides are jointly studying bar code payment connectivity technology, the first to establish a comprehensive mutual recognition bar code payment service network. Beijing News reporter from Tencent, after internal verification, the news is basically true, Tenpay and UnionPay is working on a pilot cooperation.

这是监管一直在推进的事项,铺垫工作从几年前就已展开,但让彼此独立且存在竞争关系的机构转为合作,这在业内看来有不少敏感的问题需要平衡,例如支付机构巨头前期耗费大量资金铺设二维码,以后其他机构来共享使用,是否会影响巨头机构客户黏性、业务增长和话语权等?在这场变革中,谁又会成为赢家?

This is a regulatory move that has been underway since a few years ago, but a shift from independent and competitive institutions to co-operation seems to have a number of sensitive issues in the industry that need to be balanced, such as whether the payment agency giant spends a lot of money to lay the QR code in the early days, and whether it will affect the customer stickiness, business growth, and voice of the giant agency in the future. Who will be the winner in this transformation?

“银联与财付通已就条码支付互联互通达成合作,银联云闪付App和工行、农行、中行、建行等行App可以通过扫描微信的‘面对面二维码’来转账或者付款,从今天起,开始从试点地区逐步将这个功能扩大到全国。”1月3日,这则有关银联和微信“联姻”的消息迅速发酵。腾讯方面回应称,该消息基本属实。

\"UnionPay has worked with Tenpay on bar code payment connectivity, and Bank of China, Bank of China, Bank of China and Bank of China, Bank of China, etc. App can transfer or pay by scanning WeChat's'face-to-face two-dimensional code', starting today from the pilot area to gradually expand the functionality to the country. On january 3rd the news of unionpay and wechat's \"marriage\" quickly fermented. Tencent responded that the news was basically true.

新京报记者另外从一位知情人士处了解到,目前央行指定的条码支付互联互通试点城市为宁波、成都和杭州。网联也已与一家第三方支付机构在宁波完成了一笔试点。1月3日,记者在北京用银联App扫微信二维码尚不能成功。

Beijing News reporter also learned from a person familiar with the situation, the central bank designated bar code payment connectivity pilot cities for Ningbo, Chengdu and Hangzhou. Netcom has also completed a pilot project with a third-party payment agency in Ningbo. On January 3, reporters in Beijing with UnionPay App sweep WeChat QR code has yet to succeed.

条码支付,也即二维码支付,近年来改变了居民支付方式。但市场竞争同样激烈,如我们常在一家店铺同时见到银联、支付宝、微信支付等多个分别独立的二维码。业内人士指出,割裂的条码支付市场造成了社会资源的浪费,从减少资源浪费、降低社会交易成本的角度,条码支付互联互通具有积极的社会意义。

Bar code payment, that is, QR code payment, has changed the way residents pay in recent years. But the market competition is equally fierce, such as we often see in a shop at the same time UnionPay, Alipay, WeChat Pay and many other separate independent QR codes. Industry insiders point out that the fragmented barcode payment market has caused the waste of social resources, from the point of view of reducing the waste of resources and reducing the cost of social transactions, barcode payment interconnection has positive social significance.

值得一提的是,早在2016年末,银联就发布了二维码支付标准,实现了银行间“一码通用”,也为实现跨机构间银行卡条码支付互联互通奠定了基础。不过彼时,已占据市场绝对份额的支付宝和微信支付并未加入其中。

It is worth mentioning that as early as the end of 2016, UnionPay issued two-dimensional code payment standards to achieve interbank \"one-yard universal \", but also to achieve cross-agency bank card bar code payment interconnection laid the foundation. At the time, however, Alipay and WeChat Pay, which already accounted for an absolute share of the market, did not join.

在该标准发布前,银联还曾向各非金融支付机构下发《关于商请合作推进中国银联卡二维码支付产品及相关标准规范的函》,正式邀请了扫码业务“主力军”第三方支付机构共同参与研究和推进中国银联卡二维码支付产品相关工作。

Prior to the release of the standard, UnionPay also issued a letter on business cooperation to non-financial payment institutions to promote the China UnionPay card QR code payment products and related standards and regulations, formally invited the third party payment agencies of the \"main force\" to participate in the research and promotion of China UnionPay card QR code payment products related work.

对于银联此举,当时支付界就已经有了“抱团”、“站队”的评价,如“银联的二维码支付标准不是监管标准,第三方支付机构会否买单是市场行为。但中小第三方支付机构在支付宝、微信支付的强大攻势下,生存不易,因此会采用中国银联的二维码支付标准”等。

At that time, the payment community had already \"group \",\" stand\" evaluation, such as \"UnionPay's QR code payment standards are not regulatory standards, third-party payment agencies will pay the bill is market behavior. But small and medium-sized third-party payment institutions in Alipay, WeChat Pay under the strong offensive, survival is not easy, so will use China UnionPay's QR code payment standards \"and so on.

此外,在条码支付互联互通前出现的聚合支付,也曾把多家支付机构的二维码聚合到一起,但聚合支付在一定程度上也扮演了无证支付机构“庇护所”的角色。支付机构人士介绍,如一些无证支付机构混杂进支付巨头和商户之间潜藏的灰色地带,违规开展商户资金清算,被称为“二清”。具体而言,用户在小店铺用支付宝或微信扫二维码,扫码的交易信息从App至商户后,有的并非直接上送给支付机构,而是先去了外包商那里,资金由他们控制和支配,轻则借故拖延结算时间,重则将资金挪做他用甚至直接跑路。

In addition, the aggregate payment before the bar code payment interconnection, also brought together the two-dimensional code of several payment agencies together, but the aggregate payment also played the role of \"shelter\" of the unlicensed payment agency to some extent. Payment agencies, such as some unlicensed payment agencies mixed into the payment giant and the hidden gray area between merchants, illegal liquidation of merchant funds, known as \"erqing \". Specifically, users in the shop with Alipay or WeChat sweep the QR code, sweep the code of the transaction information from App to the merchant, some not directly sent to the payment agencies, but first to the outsourcers, the funds are controlled and dominated by them, lightly delay the settlement time, the heavy transfer of funds to other use or even directly run the road.

2018年,央行对无证支付机构发布“严打令”,聚合支付的洗牌大幕也就此拉开,先后有多家聚合支付公司宣布暂停商户收款功能,同时有多家银行与扫码通道“分手”。

In 2018, the central bank issued a \"strike order\" to the unlicensed payment agencies, and the shuffle of aggregate payments opened, with several aggregate payment companies announcing the suspension of merchant collection, while several banks \"broke up\" with the sweep channel.

条码支付互联互通的推进早有伏笔,除前述银联发布的二维码支付标准外,2019年,央行多位官员在公开演讲或公开文章中提到,正在通过新兴金融科技手段积极推动条码支付互联互通、互认互扫,推动条码支付互联互通还被写入金融科技首份规划《金融科技(FinTech)发展规划(2019―2021年)》中。条码支付互联互通明显提速。

In addition to the aforementioned QR code payment standards issued by UnionPay, in 2019, a number of central bank officials said in public speeches or public articles that bar code payment connectivity was being actively promoted through emerging financial technology, mutual recognition and scanning, and bar code payment connectivity was also included in the Financial Technology Development Plan (FinTech)(2019-2021). Bar code payment interconnection significantly increased.

央行科技司司长李伟在《清华金融评论》2019年5月刊中发表卷首文章,称央行正在通过新兴金融科技手段积极推动条码支付互联互通、互认互扫。

Li wei, the head of the central bank's science and technology department, published in the may 2019 issue of the tsinghua financial review, saying the central bank is actively promoting bar code payment connectivity and mutual recognition and scanning through emerging financial technology.

谈及必要性和可行性,李伟称,手机APP和商户条码标识无法互认互扫,用户需要进行手机APP切换,影响了消费者支付体验。缺乏标准规范也容易滋生伪冒、诈骗的条码交易,增加了大众信息泄露、资金损失等方面的风险。对互联互通后的影响,李伟表示,目前聚合支付市场将面临新一轮的洗牌,更多的聚合支付机构将转型成为商户增值服务商。

Speaking of necessity and feasibility, Li said that the mobile phone app and the merchant bar code logo cannot be mutual recognition and mutual scanning, users need to carry out mobile phone app switching, affecting the consumer payment experience. Lack of standards and norms is also easy to breed false, fraudulent bar code transactions, increasing the risk of public information disclosure, loss of funds and so on. On the post-interconnection impact, li said that the current aggregate payment market will face a new round of shuffling, more aggregate payment institutions will be transformed into merchant value-added service providers.

金融业分析师董峥认为,条码支付互联互通是大势所趋,不能让机构独立于监管之外。事实上,梳理支付机构近年受到的监管,并不止二维码互联互通一项。

Dong Zheng, a financial analyst, believes that bar code payment connectivity is the trend and cannot allow institutions to be independent of regulation. In fact, combing the regulation of payment agencies in recent years is more than a two-dimensional code interconnection.

2017年网联试运行,相当于在支付机构和银行间竖起一堵“墙”,任何第三方支付机构想要接入银行,用户进行跨行转账,只能通过银联或网联。同时,支付机构至2019年1月实现备付金100%集中交存,一些将备付金作为小金库“吃息差”的中小机构被断了“财路”。据亿欧智库统计,2017年之前,网络支付机构备付金收入占总收入比达到%,2018年下降至%,2019年“断直连”后为0。

The 2017 trial run is equivalent to erecting a \"wall\" between payment agencies and banks, where any third-party payment agency wants to access the bank and users make cross-bank transfers, only via UnionPay or Networked. At the same time, by January 2019, the payment agency had realized 100% centralized deposit of the reserve, and some small and medium-sized institutions that used the reserve as a small vault to \"eat interest difference\" had been cut off the \"financial road \". Before 2017, the online payments agency's reserve income ratio reached% of total revenue, falling to% in 2018 and 0 after \"breaking straight\" in 2019, according to the billion-euro think tank.

易观分析师王蓬博表示,条码支付互联互通对行业的最大影响,在于流量逻辑改变,更利于传统收单机构。“码牌”变成一项共有基础设施后,商业逻辑就发生了变化。平台型机构如果往线下做支付会节省前期铺设基础设施的大量资金和人力成本,也为各家收单机构独立发展自己的C端账户体系提供了可能,这很可能打破现有的支付市场格局。

Yi Guan analyst Wang Pengbo said that bar code payment connectivity to the industry's biggest impact, in the flow logic changes, more conducive to traditional order-collecting institutions. The business logic changed when the code board became a shared infrastructure. If the platform-based agencies pay offline, it will save a lot of capital and labor costs for the pre-laying infrastructure, and it will also provide the possibility for each receiving agency to develop its own C-terminal account system independently, which is likely to break the existing payment market pattern.

他进一步称,对传统的收单机构来讲是重大的利好,类似通联、拉卡拉和随行付等收单机构,能够直接触达商户,早就开始布局商户的B端增值服务,特别是营销类产品各家都有成熟的解决方案,当本来属于两大的私域流量一旦放开,可以看到的市场前景非常可观。

He further said that the traditional order-collecting agencies are a major benefit, such as communications, la cara and accompanying payment, such as the receipt of orders, can directly reach the merchant, has begun to layout the merchant's B-end value-added services, especially marketing products each has a mature solution, when the original two private flow once opened, can see the market prospects are very substantial.

微信的用户黏性是否会因此受到影响?王蓬博认为,凭借着微信巨大的社交优势,用户的增速和黏性早就不因为二维码铺设范围而有变化,这也是微信支付为什么会在线上逐步开始收费的原因,比如对信用卡还款等便捷服务的收费。但从商业的角度考虑,前期打造的生态闭环被打破会引发各种问题,商业的想象空间也在变小。

Will the user stickiness of WeChat be affected? Wang Pengbo believes that with WeChat's huge social advantages, user growth and viscosity have not changed because of the scope of QR code laying, which is why WeChat Pay will gradually start charging online, such as the charge for convenient services such as credit card repayment. But from the commercial point of view, the early creation of ecological closed-loop break will cause a variety of problems, business imagination is also becoming smaller.

“此举将令银联对线下的话语权再次加强,从整体利润的角度考虑,线下才是支付行业里,包括清算机构在内真正的利润来源。而且从网联成立开始,可以看到,银联对商业的感觉和反应速度都在正向发展。”王蓬博说道。

鈥淭he move will strengthen UnionPay's voice over the line, which is the real source of profits in the payment industry, including the clearing house, in terms of overall profits.鈥? And from the beginning of the network, we can see that the feeling and reaction rate of UnionPay to business are developing positively. said Wang Pengbo.


欢迎转载,转载请注明出处:电子游艺app