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What is the prospect of POS payment? Can voice payment replace network payment? What investment advice does the expert give to the payment market? The 20-year-old multimedia switching core equipment and financial electronic payment core equipment provider, Mr. He Jiannan, the president of Dongjin Technology, is on the scene. When interviewing reporters from the media, the answers are given one by one.
POS payment is still hot
Last year, the scale of online shopping transactions in China exceeded 100 billion yuan, reaching 130 billion yuan, an increase of 66.2% over the previous year, which directly promoted the revolutionary development of online payment. So the question came, the development of online payment is so fast, does it mean that offline POS payment will gradually be reduced or even replaced, is the investment time in this field already gone? In this regard, He always gives several figures. At the end of the second quarter of 2013, the number of bank cards in China reached 3.8 billion, with an average of three bank cards per person; 8.3 million connected POS terminals, an increase of 678,800 units; the card spending amount increased by 20% in the second quarter compared with the same period last year. . As can be seen from these figures, the number of POS payment acceptance environments and POS payments in our country are rising. With the transformation of the country's economic structure, we have seen China's economic growth of three carriages: investment, exports, consumption, of which the proportion of consumption is growing, where payment is an extremely important link. In this context, whether it is POS payment services, or POS terminals, financial network controllers and other equipment should have a very large space for development.
This actually indirectly answered the media friends' doubts about the eNAC-8000, a new generation of financial electronic payment network controller. Because POS payment market space is huge and still developing, Dongjin believes that whether it is the life cycle of POS payment, or the life cycle of POS terminals and financial electronic payment network controller devices, there is still a long time. The new generation of network controllers needs to face the technical requirements of the next generation network for core devices. The Internet, mobile network and fixed network environment have undergone great changes. The telecommunication network has completed the transformation of NGN/IMS access technology. The eNAC-8000 supports the access requirements of the latest telecommunication network and can support magnetic stripe cards at the same time. The IC bank card can also automatically adapt to various terminals such as POS/T-POS. In addition, eNAC-8000 uses low-power ARM technology, the latest network devices and other hardware technologies, enabling the network controller products to provide low-cost, high-performance, large-capacity, high-speed transmission channels.
Voice payment
At this year's show, cardless voice payment is another focus of attention. Cardless voice payment, mostly called voice payment, has been launched for some time, and is still in the process of exploration and promotion. More and more industries and applications are gradually introducing voice payment, and the payment habits of domestic cardholders are also In cultivation. In this regard, Mr. He briefed the reporter on some industries that have begun to adopt voice payment. In industries such as TV shopping, airline tickets, water and electricity payments, top-up contributions, and new media, cardless voice payments are already in place. The consideration of this payment method is that telephones and mobile phones are currently the most popular terminals. The number of mobile phone users in China is close to 1.2 billion, almost one person. If the security and convenience problems can be solved well, voice payment can be a good supplement for network payment and mobile payment. When network conditions are limited and network payment conditions are insufficient, voice payment is a payment method that is only a “can call†for the terminal, and its potential is extremely huge.
It should be said that the current payment methods are more and more convenient. It is easy to take the money out when picking up the mobile phone, but the more payment methods, the greater the risk of security. The reason why voice payment has not been widely used until now, in addition to the technical convenience requirements, security considerations are the key point. The most direct question for users who spend money is whether the current voice payment technology can To ensure the security of voice payment? After the reporter raised this question, He total gave the answer directly from the technical level. As a payment security device, the security of a VPC is considered in two aspects: the security of sensitive information transmitted over the network, and the security of the VPC device itself. For the former, VPC adopts multiple key system, symmetric encryption algorithm, and message check-up; for the latter, VPC adopts random multi-channel technology, audio scrambling technology, sensitive information and automatic transaction information clearing technology. Key self-destruction device, etc. These security measures are formulated by Dongjin and UnionPay. Only China UnionPay can decrypt sensitive transaction information. In short, the “streaking†payment devices in the past will be completely replaced by the new generation of voice payment security devices VPC. When the people pay more convenient, they will be more practical. Dongjin and China UnionPay cooperated to launch VPC equipment, which is to do this.
Security is the core of financial payments
The reporter also noted that at present, China's only foreign payment solution provider, Huierfeng, acquired Haibotong in August 2011, including its POS terminal business and network controller business. Third-party payment companies such as Alipay, Tenpay, Lakara have become "domestic". In the face of reporters' question whether it is for financial payment security considerations, Mr. He’s reply is: The state is indeed gradually strengthening the control of financial security. The central bank stipulates that third-party payment companies must not have foreign investment, which is considered from this aspect. Because of this, domestic core equipment manufacturers, including Dongjin, all of them are independently researched and developed from hardware to software, from hardware design to software code, and can be tested at any time to fully meet customer safety requirements. From a global perspective, Whirlwind is a leader in payment solutions. However, in China, there are domestic manufacturers such as Liandi, Shengteng and Xinguodu in the POS terminal field; the network controller products include Dongjin and other domestic manufacturers. Haibotong, a manufacturer of network controller products, has not launched new products for many years, which is not unrelated to the acquisition by Huierfeng. The competitiveness of domestic manufacturers is increasing dramatically and is a global leader in many fields. Dongjin always believes that there is no permanent competition, only forever cooperation. Anything that is beneficial to users, whether it is market exploration or product development, Dongjin will continue to try together with partners.
Finally, Mr. He revealed that another core product of Dongjin's Keygoe multimedia switch will also launch a series of new products, which is expected to be seen next year.
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