光大银行发力移动支付 手机银行卡合二为一

Everbright bank send force to pay mobile phone card

, don't need to brush card, need to brush in front of the cashier terminal mobile phone, to make payment - this is the relevant person in charge of everbright bank describes mobile financial services to the customer to pay. With mobile Internet technology is gradually mature and the rapid growth of the mobile e-commerce market, mobile payment is gradually get rid of all kinds of bondage, from the dream into reality, the everbright bank and China unionpay jointly launched based on NFC (Near Field Communication) successfully completed the Communication protocol of mobile payment business alignment, will load in the built-in security card chip on smartphones, mobile phone and bank card "together".

Near a few years ago, paid in qr code and mobile phone payment as representative's new type of offline payment began almost at the same time through research and development, but when the qr code to pay into the commercial rapidly in China and gradually improve the mature, more convenient phone pay near field but due to the influence of many factors, but also failed to achieve large-scale promotion and commercial. Today, everbright mobile payment business commercial has officially entered the countdown stage, everbright bank through condensing industrial chain force, has been successfully get through the "last one kilometer" of mobile payment.

Difficult "the last kilometer"

According to the latest figures, the everbright bank mobile banking than realized more than 200% growth last year. In many industry insiders point of view, after "the last kilometer" of mobile payment is difficult to get through, the key lies in the mobile payment industry chain competition than cooperation between related parties, all parties in fragmented or paper analyzes problems existed during operation, these problems make mobile payment industrial chain can't form a resultant force, which can lead to the development of mobile payment business is struggling.

Everbright electronic banking, said an official with the relevant mobile payment industry chain consisting of long span is big, industry, both the Banks and other payment providers, communications operators, handset manufacturers, there are thousands and thousands of businesses, the cooperation between the parties must be a win-win or win-win model of development. Only thus, can form a confluence of 1 + 1 > 2, achieve perfect docking of markets and industries.

As a key link of mobile payment industry chain, the relevant person in charge of China unionpay said unionpay will further strengthen communication and cooperation with industry chain parties, jointly promote mobile payment industry into the fast track of healthy development. Based on this cognition, as early as in August last year, everbright with China unionpay mobile financial strategic cooperation agreement signed in Beijing, the two sides agreed in mobile payment, security control, mobile business circle, smart CARDS, and other fields to carry out the depth cooperation, to provide customers with more convenient mobile financial services.

Everbright bank is understood to have with China mobile, China unicom, China telecom operators to cooperate. The everbright alignment, the mobile payment business success depends on China mobile's full support and cooperation. According to other sources, everbright to be a partner with three carriers in everbright bank mobile payment business will also be launched in succession of April.

Everbright electronic banking chief said, to allow customers to use mobile payment business, also need to have a wide coverage of mobile payment in near field accepts the merchants. According to the everbright mobile payment business cooperation merchants coverage throughout the country, will cover commercial retail, public transportation, gas stations, pay TV, different domains such as restaurants, theaters, hospitals, schools, let the customer achieve anytime, anywhere, as payment services.

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