Layout mobile payment to create a scene finance

With the rapid advancement of the national "Internet +" strategy, commercial banks have also ushered in a major opportunity to innovate and develop Internet finance. Minsheng Bank responds quickly to national policies, keeps up with market dynamics, actively uses Internet frontier technologies, and vigorously develops mobile payment innovations to create convenient, fast, secure and easy-to-use mobile payment services for customers.

Since the official launch of mobile banking in 2012, Minsheng Bank has launched a variety of mobile payment functions, and has taken the lead in testing water fingerprint payment, opening a small payment channel for customers who self-register mobile banking, and customers use their mobile banking to pay fees and charges. When recharging, train tickets and airline tickets, and preferential merchant order payment, etc., you can choose fingerprint payment or SMS verification code to verify transaction information, making payment more convenient and safe. It is based on continuous product and service innovation that Minsheng Mobile Banking maintains a rapid development momentum. As of the end of June 2016, the total number of Minsheng mobile banking customers reached 2,177.5 million, an increase of 2,479,700 over the end of the previous year; the number of transactions during the reporting period was 201 million, an increase of 33.11% over the same period of the previous year; the transaction amount was 3.88 trillion yuan, compared with In the same period of the year, the growth rate was 40.07%, and the customer transaction activity has always been at the forefront of the banking industry.

At the same time, Minsheng Bank has innovated, continuously enriched payment methods and application scenarios, and is committed to providing customers with safe, convenient and feature-rich mobile payment services. In 2015, Minsheng Bank, as the first bank to cooperate with China UnionPay to apply HCE technology to carry out mobile payment innovation, launched Minsheng Mobile Banking “Cloud Flash Pay”, providing Android mobile phone users with “mobile phone pay as you pay” new mobile payment service. Users have brought a faster, more convenient and safer payment experience. Since then, Minsheng Bank has launched mobile payment products such as ApplePay, SamsungPay, HuaweiPay, and Xiaomi Payment, covering iOS and mainstream Android system mobile phone users, and the applicable models are more and more widely used.

In addition, Minsheng Bank also cooperated with the artificial intelligence company to launch a new form of mobile payment for wearable devices, creating a NFC payment service for smart watches, further enhancing the flexibility and expandability of mobile payment, and making full use of mobile payment. Cutting-edge technology, product and service innovation, benefiting more customers.

More milestonely, in September 2016, Minsheng Bank launched the first iris payment in the industry, applying iris recognition technology to the field of mobile payment, which can be used for all payment scenarios such as mobile phone bank recharge, convenient payment, and mall payment. The ground has opened up another new era of mobile payment. At present, for Minsheng Bank mobile banking customers, some special-purpose iris models of mobile phone users can already experience “pay only for a glance”, that is, simply register at Minsheng Mobile Bank, enter the transaction password when paying, click Confirm the process of entering the iris verification process, and the eyes are aligned with the verification box on the screen of the mobile phone to collect and compare the iris information. After the iris verification is passed, the payment is successfully completed, and the experience is safe and convenient.

In November 2016, Minsheng Bank was the first batch of new features of the two-dimensional code payment product “Minsheng Pay Scan Code”. The user can use the mobile phone bank of Minsheng to collect and pay for the QR code between individuals. Handling fee. Minsheng Bank provides a “two-dimensional code checkout counter” for small and micro merchants, which is a QR code for merchants to collect money. It supports WeChat, Alipay, and QQ wallet scanning code payment. It does not require POS machines and can be placed or posted at the merchant counter. The payer can complete the payment through WeChat and Alipay scan code. After the payment is successful, the merchant can receive the payment reminding message, and can also conduct transaction inquiry and statement download through the mobile merchant platform. Next, Minsheng Bank will also open a personal scanning service for large and medium-sized chain supermarkets, catering merchants and other businesses, continue to enrich the application scenarios, and provide online cross-screen payment and ATM QR code cross-line cash withdrawal services.

"Mobile payment as a new payment method requires extensive market cultivation, user awareness and enthusiasm for use." The person in charge of the Ministry of Internet and Finance of Minsheng Bank said that the bank organized bank employees to carry out mobile payment experience activities and development. The Bank's employees were opened and used, and suggestions were made around customer experience, application scenario innovation, and business development, which boosted the coverage of mobile payment services and mobile payment staff, and formed an atmosphere for all employees to promote mobile payment; In addition, it also plans to carry out national and regional mobile payment promotions, such as cash back, send points, send calls, etc., to encourage customers to use.

In the era of mobile Internet turmoil, mobile payments are the entry point for all mobile Internet applications. At present, with many entities rushing to deploy mobile payments and speeding up the entry, Minsheng Bank has also taken advantage of the trend to further deepen cooperation with companies such as China UnionPay, communications operators, mobile phone manufacturers and wearable hardware manufacturers. Innovate products and services around online and offline mobile payments, further enrich mobile payment application scenarios, create safer and easier-to-use mobile payments, and explore new marketing and promotion models to benefit a wider range of customers.