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继网联之后,银联再次出手,支付宝们的苦日子要来了!
2020-01-08 00:56   来源:  www.luv2lounge.com   评论:0 点击:

继网联之后,银联再次出手,支付宝们的苦日子要来了!据媒体报道,1月3日银联和财付通双方已经实现银联二维

据媒体报道,1月3日银联和财付通双方已经实现银联二维码网络与微信支付网络的全面贯通。即日起,云闪付APP与工行、农行、中行和建行等银行APP扫描微信“面对面二维码”的支付功能全面打通。此外,网联也正在推进跨机构扫码支付。此举意味着在线支付竞争格局和老百姓支付方式都将迎来巨变!

According to media reports, on January 3, UnionPay and Tenpay both sides have achieved UnionPay QR code network and WeChat Pay network full connection. From now on, cloud flash payment app with ICBC, Agricultural Bank, Bank of China and CCB and other banks app scan WeChat \"face to face QR code\" payment function fully open. In addition, the network is also advancing cross-agency code sweep payments. This means that online payment competition and people will pay the way will usher in a huge change!

从用户角度来说,付款时你可以随便选择各家银行APP、微信、支付宝等支付机构的付款码,向商户出示,即可完成付款;从商户角度来说,商户只需向一家支付机构申请收款码,便可以接受各家银行APP、微信、支付宝等支付机构的扫码付款。

From the user's point of view, when you pay, you can choose the payment code of each bank app, WeChat, Alipay and so on, show to the merchant, can complete the payment; from the merchant's point of view, the merchant only needs to apply for the collection code to a payment organization, then can accept the code scanning payment of each bank app, WeChat, Alipay and so on.

但市场权威人士表示,银联与财付通的这次合作,只是两个收单业务之间的合作。真正的互联互通一定是银联以清算机构的身份加入进来。

However, market authorities say the cooperation between UnionPay and Tenpay is only the cooperation between the two Acquirer businesses. The real interconnection must be UnionPay joining as a clearing institution.

所谓收单业务,简单说就是支付机构向商户提供资金清算服务,消费者在支付机构签约商户那里消费,支付机构赚取佣金的模式。而一旦银联来作为清算机构,那么清算服务市场竞争格局将重新洗牌。

The so-called receipt business, in short, is to pay institutions to provide funds clearing services to merchants, consumers in the payment agencies signed merchants where consumption, payment agencies earn commission model. And once UnionPay comes as a clearing house, the competition in the clearing service market will be reshuffled.

扫码支付是咱们普通人应用最多的场景,但市场上有很多“套码”现象,本人也曾遇到过,明明在一家连锁酒店消费,但最终扫码支付后,收款商户名称却显示“XXX商贸有限公司”,也就是说消费商户和收款商户不匹配,被“套码”了。这么一来,每一笔交易都无法确定其真实性,风险很大。

Sweep code payment is the most widely used scene in our common people, but there are a lot of \"set code\" phenomenon in the market, I have also encountered, obviously in a chain of hotel consumption, but the final sweep code payment, the name of the recipient merchant shows \"XXX Trading Co., Ltd.\" that is to say, consumer merchants and collection merchants do not match, is\" set code \". In this way, every transaction cannot determine its authenticity, the risk is great.

为了保证这种线上交易得到有效监管,2017年,央行宣布从2018年6月30日起,类似支付宝、财付通等第三方支付公司受理的,涉及银行账户的网络支付业务,都必须通过“网联支付平台”处理。

In order to ensure that such online transactions are effectively regulated, in 2017, the central bank announced that from June 30,2018, third-party payment companies such as Alipay, Tenpay and other third-party payment companies accept, involving the bank account of the network payment business, must be handled through the \"network payment platform \".

这个“网联支付平台”,是由包括央行清算总中心、财付通、支付宝、银联商务等在内的45家机构于2017年7月28日签署了《网联清算有限公司设立协议书》,拟共同发起设立的。并从2018年6月30日起,支付机构与银行原有的直连模式将全部切断,网络支付交易全部通过网联模式转接清算。

This “Netcom Payment Platform ” was signed by 45 institutions including the Central Bank Clearing General Center, Tenpay, Alipay, UnionPay Business, etc. on July 28,2017, the establishment agreement of Netcom Clearing Co., Ltd. was to be jointly initiated. And from June 30,2018, the original direct connection mode between the payment agency and the bank will be all cut off, and all the network payment transactions will be transferred and liquidated through the network connection mode.

也就是说,央行旗下的网联在三方支付和银行之间做了一个中介,将线上交易全部接管过来,支付宝和财付通寡头垄断线上支付的好日子到头了。

In other words, the central bank's network has acted as an intermediary between the three-party payment and the bank, taking over all the online transactions, and the days have come when Alipay and Tenpay would monopolize online payments.

而银联是经国务院同意,由央行批准设立的银行卡联合组织,是各大银行银联卡的清算机构。但其作为移动支付领域的“国家队”,银联的移动支付市占率甚至不到1%。

UnionPay is a joint bank card organization approved by the central bank and approved by the State Council. But as a \"national team\" in the field of mobile payment, UnionPay's mobile payment market accounts for less than 1%.

因此,虽然这次条码支付互联互通是在央行主导的条码支付编码规则统一规划中,但更像是银联与微信商业合作,扩大市场份额的结果。

Therefore, although this bar code payment interconnection is in the central bank leading bar code payment coding rules unified planning, but more like UnionPay and WeChat business cooperation to expand market share.

1、线上支付竞争格局从寡头竞争转变为统一管理,多头竞争,也使得传统银联将与网联这个强大对手展开线上线下支付领域竞争。去年国庆期间,网联交易规模万亿,而银联网络则是万亿。

Online payment competition from oligopoly competition to unified management, long-run competition, the traditional UnionPay will also be a strong opponent of online and offline payment field competition. During the National Day last year, the network traded trillions, while the UnionPay network was trillions.

网联更加融合消费者的线上支付场景,比如购物、餐饮、电影、娱乐等等,而银联在境内外线下跨境支付方面更有优势。未来,支付行业竞争格局将是多强竞争,网联、银联、微信和支付宝们共同争夺大蛋糕。

The network is more integrated with consumer online payment scenarios, such as shopping, catering, film, entertainment and so on, while UnionPay has more advantages in cross-border payments at home and abroad. In the future, payment industry competition pattern will be how strong competition, Netcom, UnionPay, WeChat and Alipay to compete for the big cake.

2、支付行业更加规范化。此前,以支付宝和财付通为代表的第三方支付巨头逐渐形成了绕开银联,直连银行的清算模式。这使得央行清算系统无法掌握准确的资金流向,洗钱、套现风险很大。而随着网联和银联的加入,央行能够更准确的把握资金流向,并在第三方支付领域拥有更多控制权。

2. The payment industry is more standardized. Previously, the third-party payment giant, represented by Alipay and Tenpay, gradually formed a clearing model to bypass UnionPay and connect banks. This makes the central bank clearing system unable to grasp the accurate flow of money, money laundering, cash risk. With the addition of Netcom and UnionPay, the central bank was able to more accurately grasp the flow of money and have more control over third-party payments.

但这对微信和支付宝来说有点尴尬,这意味着它们把积累多年的流量共享给了网联和银联。未来微信和支付宝等支付机构与银行间的联系基本就断绝了,只要你用微信和支付宝等线上线下付款,无论是线上还是线下,都要先经过银联或网联,再到银行。

But it's a bit embarrassing for WeChat and Alipay, which means they've shared the accumulated years of traffic with Netcom and UnionPay. In the future, payment institutions such as WeChat and Alipay are basically cut off from the link between the bank, as long as you use WeChat and Alipay and other online and offline payment, whether online or offline, must first go through UnionPay or network connection, and then to the bank.

3、支付行业准入门槛降低,流量竞争进入白热化。一旦各个支付码互联互通了,那么本该属于银联或微信自家的流量将成了共享流量,会将这块大蛋糕分享出去,京东支付、美团支付以及通联、拉卡拉和随行付等收单机构的竞争成本(如前期铺设基础设施,引流费用)将大大降低,尤其是对于中小收单机构来说,是个大利好。

3. Pay industry entry threshold is reduced, flow competition enters white-hot. Once the various payment codes are interconnected, the traffic that would have belonged to unionpay or wechat itself would have become shared traffic, sharing the big cake, and the competitive costs of jingdong payments, Meituan payments, and receiving agencies such as communications, la cara and accompanying payments (such as pre-laying infrastructure, drainage costs) would have been greatly reduced, especially for small and medium-sized receiving agencies.

4、消费者消费体验更加便捷。一直以来各家机构都有不同的支付码,为了统一,市场便诞生了聚合码,即一个收款二维码,同时支持微信、支付宝等多个平台,当你扫码后看到的是专门的聚合码商户支付页面,而不是微信或支付宝支付页面。

Consumer consumption experience is more convenient. All the time organizations have different payment codes, in order to unify, the market has given birth to the aggregation code, that is, a collection of QR code, while supporting WeChat, Alipay and other platforms, when you scan the code to see a special aggregation code merchant payment page, rather than WeChat or Alipay payment page.

但是聚合码支付机构水平参差不齐,有风险问题存在,部分聚合支付甚至从事着违法犯罪行为。所以未来一旦扫码打通的话,消费者用云闪付APP或各大银行APP扫描商户的微信收款码,或向微信商户出示云闪付APP等付款码,都可以完成交易。不过截至发稿时,云闪付APP扫描微信收款二维码尚不支持微信收款码。

However, the level of aggregate payment institutions is uneven, there are risk problems, and some aggregate payments are even engaged in illegal and criminal activities. So in the future once the code sweep through the words, consumers with cloud flash payment app or major bank app scanning merchants WeChat collection code, or to WeChat merchants show cloud flash payment app and other payment code, can complete the transaction. However, as of the time of publication, cloud flash payment app scanning wechat collection QR code has not yet supported wechat collection code.

根据2019年9月央行发布的《金融科技(FinTech)发展规划(2019-2021年》,其中谈到“最晚到2021年末,将实现二维码支付的互联互通,实现一码通用。”也就是说,银联继与微信合作后,支付宝及其他三方支付平台大概率是下一个目标。

According to the Financial Technology (FinTech) Development Plan (2019-2021), released by the central bank in September 2019, it said that \"at the latest until the end of 2021, there will be connectivity for two-dimensional code payments and a one-yard universal.\" That is, after the cooperation with WeChat, Alipay and other tripartite payment platform big probability is the next goal.

事实上,去年以来银联花了不少力气打通各个渠道,大力发展云闪付业务,目前工农中建交招等主流银行已经支持此功能,但要完全覆盖多个支付场景和渠道,仍存在着技术上的壁垒。总之,到底是一家独大,还是百花齐放,这背后都是一场商业利益的暗战。

In fact, since last year, the union has made a lot of efforts to open up various channels, vigorously develop cloud flash payment business, the current workers and peasants, such as mainstream banks have supported this function, but to fully cover multiple payment scenarios and channels, there are still technical barriers. In short, whether it is a single family, or a hundred flowers blooming, this is behind a commercial interests of the dark war.

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