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In recent years, China's payment market has developed rapidly and the main players have become more diversified. With the rise of third-party payment, homogenization competition has intensified, and the frequent landing of regulatory policies has also made the regulation of the payment market increasingly strict. For consumers and businesses, payment is one of the most effective means of linking. Especially with the “de-cash†payment method in the Internet era gradually becoming the mainstream, the payment market is not only a treasure land for Internet giants to compete for, but even hardware manufacturers such as Samsung and Apple are also engaged in this battle, trying to use the payment scenario to bundle more. More consumers.
For the merchants, the benefits of diversification of payment methods are also obvious, because there are fewer and fewer cases of replenishment due to no change, and the store traffic is disguised in disguise; the drawbacks are equally obvious, and almost all payments are made. Both methods require POS upgrades to support, and the purchase cost and training cost of the equipment are greatly increased.
Although the entire market has already understood that payment is one of the core elements of the complete closed loop of "commercial operations - scenario building - payment completion", each payment method with pure payment function does not bring value other than payment to the merchant. Partnerships established with merchants with simple payments are also becoming more and more fragile. In the era of big data, is there a way to pay, not only to complete the payment function, but also to build a complete smart payment ecosystem from order to payment to after-sales service?
Integrating upstream and downstream polymorphic demand, UnionPay business layout intelligent payment terminal
UnionPay Business Co., Ltd., which is controlled by China UnionPay, is an integrated payment and information service organization specializing in offline, Internet and mobile payment. It has completed the establishment of all provincial administrative regions except Taiwan, and the entity service network covers the whole country. For cities above the prefecture level, the coverage rate is 100%. Throughout 2016, UnionPay achieved a total of 6.3 billion comprehensive transactions, totaling 29.3 trillion yuan, up 25.3% and 62.7% year-on-year; of which POS transactions were 4.33 billion, totaling 10.9 trillion yuan, up 11.1% and 16.4% year-on-year. . According to the “2015 Asia Pacific Institutional Listings†and “2015 Global Institutions Rankings†published by the Nielsen Report, the authoritative market research organization of the global payment industry, UnionPay ranked first in the Asia Pacific acquiring institutions. The position of the global acquirer ranked 18th, and the results were excellent.
The UnionPay smart terminal currently launched by UnionPay Business first integrates rich payment/marketing channels and provides the most comprehensive integrated payment solution, regardless of whether the consumer uses traditional credit card or POS and mainstream QR code. , ApplePay, HCE UnionPay cloud flash payment, etc., can be completed on this smart terminal, one machine can meet all the merchant's way of acquiring. Through rich payment methods, merchants can divert consumers through multiple channels to achieve sales increase.
As the major payment platforms seize the interface, the profit of pure receipts is getting thinner and thinner. How to use the terminal to bring more and better service experience to the merchants? The universal payment smart terminal regards “integrated payment and information service†as its own. The core competitiveness, which also means that other payment platforms are still occupying the payment market, UnionPay has begun to consider how to integrate the polymorphic demand from the upstream application market to downstream merchants.
UnionPay Business adopts an open mind to introduce a large amount of content, which not only extends the product line, but also provides more services to merchants through the universal payment smart terminal, greatly increasing the viscosity of both parties. In 2016, UnionPay business added 1.7 million new terminals, and mobile terminals accounted for 55%, of which 210,000 new smart terminals. As of the beginning of February 2017, in the application market of the universal payment smart terminal, there are 10 types of content APPs, involving 308 models, covering industries such as clothing, food, housing, beauty salons, bank cooperation, logistics, etc., almost every merchant can Find the right supply chain inside. As a high-quality medium, UnionPay's universal payment smart terminal effectively integrates independent merchants into a merchant alliance that can meet their needs, not only to solve the demand for comprehensive payment, but also to meet the needs of different merchants. Downstream polymorphic demand.
First of all, for the customer, the universal payment smart terminal provides the most complete acquiring service. The above also mentioned that including bank card swipe, POS pass, QR code payment, ApplePay, HCE UnionPay cloud flash payment, etc., you can also use the H5 payment application unique to the universal payment smart terminal to meet the needs of different businesses, will all The payment channel is integrated into the universal payment smart terminal.
Secondly, the universal payment smart terminal also provides merchants with rich customized services, such as cloud ERP system, membership management, customized APP, real-name authentication, pre-authorization, etc. All these customized services will bring better to consumers. The use experience enhances the stickiness between merchants and consumers. In addition, value-added services such as loans, marketing promotion, and big data analysis are also available to the merchants. The smart phones can be used to distribute their resources to other channels for marketing and promotion. Analyze transaction data to better promote merchant development.
For developers, the universal payment smart terminal is also an open application market. It builds a payment-centric technology platform through the combination of software and hardware. Developers can not only complete resource development here, but also carry out Application management, data analysis and other functions, which will provide data support for merchants' value-added services and customized services, and ultimately bring consumers a great experience.
Build a complete smart payment eco-felanding business solution to solve the problem of scene payment
In daily life, the implementation of payment behavior is not a single, but a scened behavior in which multiple behaviors are integrated. For example, we go to a restaurant to eat, sit down and need to order, need to pay after the meal, and even after the payment is completed, many people will have the need to issue invoices. Payment behavior is just one part of this series of scenarioal consumer behavior. The layout of UnionPay business platform is based on the whole people paying intelligent terminals as the media core, enabling various resources to be effectively utilized and transferred, and building a “full scene payment ecology†to solve the problem of merchant scene payment.
Here, we have to mention the smart desktop of the universal payment smart terminal. The smart desktop is the only boot entry for all applications installed on the universal payment smart terminal. The smart desktop can connect, install, update and uninstall the application by connecting to the UnionPay business open application market. At the same time, it can be connected with the TSS system (Intelligent Terminal Management System), which can realize remote management of H5 payment applications, keys, notification messages, advertising resources, etc., and provides a rich call entry, enabling third-party applications to easily integrate payment functions. This means that merchants, especially large merchants, only need to develop their own applications based on the U-architecture service layer driver of UnionPay Business. After the signature is completed, they can be released in the UnionPay business application market. All the cashiers of the merchants can pass. Run the application on the smart desktop to complete the cashier management. In addition, the access of cloud ERP products and H5 integrated payment enables merchants to implement functions such as membership management and integrated payment with third-party marketing platforms without separately setting up ERP system.
Taking dining as an example, in the all-in-one smart terminal of UnionPay Business, it is possible to directly realize the functions of waiter ordering, customer scan code self-service ordering, and the back-end one-click invoicing software is to save consumers waiting for billing. Not only can it bring a better consumer experience to customers, but also can achieve a closed loop for merchants to increase the turnover rate. In this respect, the Haidilao hot pot has been put into use by the whole people to pay the smart terminal. The customer orders the food through the iPad. At the time of checkout, the iPad will generate the QR code of the order, and only need to scan the QR code through the smart terminal to complete the order. Payments, consumers can also enjoy a variety of marketing activities through the marketing alliance. There is no access to the merchant ERP in the middle, and all functions are implemented on the universal payment smart terminal. The extremely low transformation cost can realize the closed loop of the merchant information management and payment.
In fact, this advantage will be more obvious in other industries. For example, in a department store, we often encounter customer's recommendation to BA, which has a consumption impulse for a certain product, but in the process of going to the checkout counter, it may eventually flow because of the rush of consumer sentiment. Using the universal payment smart terminal, you can directly introduce the merchant's APP in the device, so that the entire mall can be managed in the form of “centralized cashier + store cashierâ€, which not only can greatly improve the efficiency of consumer impulse consumption, but also avoid the cashier. The phenomenon of queuing improves operational efficiency. For example, in the case of Deji Plaza, which has been put into use, Deji has independently developed its own handheld cash register APP according to the U-architecture of the universal payment intelligent terminal. The company has issued the APP signature in the UnionPay business application market, and the APP is in the public. The payment is based on the UnionPay business intelligence desktop running in the smart terminal, and the subsequent silent automatic update. At the cashier's desk or in the store, when the consumer pays, the cashier only needs to open the handheld cash register APP to call the standard payment interface provided by the head office to complete the payment. This not only reduces the equipment investment and maintenance costs of the mall, but also realizes the store cashier, which greatly improves the collection efficiency.
And the powerful ability of the whole people to pay smart terminals to directly open up the upstream and downstream channels can be seen in the logistics industry. The logistics company that uses the universal payment smart terminal as the upstream can directly use the smart terminal to complete the collection; while the other merchants of the UnionPay business can use the small logistics application in the UnionPay business application market to directly initiate the logistics demand and select the logistics company. Send the shipment. At present, SF Express has adopted the universal payment smart terminal as a partner, and plans to collect the logistics fee through the order number of SF Logistics. Through the payment of intelligent terminals by the whole people, not only has the cooperation between SF Logistics' resources and merchants' needs been completed, but also the SF Logistics's small and medium-sized merchants have brought rich value-added services. This is a win-win choice and brings to the logistics company. At the same time as more potential customers, it also increased the income of logistics companies.
In addition, the bank can provide all online direct banking services to B-side merchants through the universal payment smart terminal; the insurance company can also simplify the process and complete the payment through the implantation of the insurance company APP and the real-name authentication function supported by the universal payment smart terminal. For hotels, airlines, beauty salons and entertainment, parking lots or toll booths and other industries and businesses, the universal payment smart terminal provides integrated solutions, fast pre-authorization, E-invoicing, machine-rising shopping, store network marketing, Features such as information management can be easily implemented, and consumers can get a better experience regardless of whether they are swiping or third-party payment.
Not only that, UnionPay Business's all-in-one smart terminal can also complete data integration, richer and more multi-dimensional data can make merchant portraits more stereoscopic, and make merchants more clear in manager management and business analysis. With the continuous construction of UnionPay business and the integration of platforms, the integration of upstream and downstream supply chains; the continuous payment of intelligent terminals for the whole people to access rich content such as cloud restaurants, cloud pharmacies, etc., will inevitably create a new commercial blue ocean, with service promotion Open up a new world of payment markets, become an industry leader in the payment ecology, and a guide for change in the payment industry.
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