With the new QR code, Zhou Fangyuan began to run the department, and he wanted to use the Yuanfang Group as a promoter to promote the development of the QR code in China. ｗｗ?ｗ?．?ｒ?ａｎｗｅｎA`ｃｏｍ

Because this is so important, QR codes have become the most common symbol in society in the future, and one of its main functions is mobile payment.

In fact, the trend of cashless society has already begun to spread to the whole world, of course, it started as early as developed countries such as the United States. Cashless payment and mobile payment are not the same concept, cashless payment, refers to the payment method that is separated from cash, such as credit card, is the most typical cashless payment. Before Zhou Fangyuan's rebirth, consulting firm Capgemini and BNP Paribas jointly released the "World Payments Report 2018", which counted non-cash transactions in many countries around the world.

According to the report, in the reporting period, that is, in 2016, the country with the largest number of cashless transactions was the United States, which occupied the top spot with 148.5 billion times, the euro area ranked second with 74.5 billion times, and China, which has the most developed mobile payments, ranked third with 48 billion times.

However, although the number of cashless transactions in China is less than one-third of that of the United States, the growth rate of the share of non-cash transactions ranks second in the world, and the report predicts that by 2021, the total amount of cashless payment transactions in China will surpass that of the United States and become the world's first.

In terms of the number of electronic transactions per capita, Sweden has the highest number of non-cash payments per capita with 461.5 electronic transactions per capita. Sweden was the first country to print paper money, but it may also be the first to eliminate cash. There is also an interesting true story about Sweden's cashless society: a man broke into a bank. "Robbery, I want cash!" the bank clerk gave him a cold look, pointed to a sign on the wall that read "Cashless Place", and told him that the bank had no cash and that his request could not be met. The robber was puzzled, and before leaving, he asked the staff, "Where else can I go?"

A report by the United Nations' agency BetterThanCashAlliance pointed out that in 2016, the size of China's social network payment market reached 2.9 trillion US dollars, an increase of 20 times in the past four years, and Alipay and WeChat Pay have occupied more than 9% of the market share of China's mobile payment market.

And in those years, the Chinese people also strongly felt the convenience of mobile payment to life, from eating, shopping, watching movies, buying vegetables in the vegetable market to taking the bus and subway, you can think of consumption scenarios, basically can be solved with mobile payment.

Capgemini predicts that global digital transactions will grow from $598 billion to $876 billion between 2018 and 2021. In Asia, led by Huaxia, digital payments will lead the world at a compound growth rate of 29%, while North America and Europe will grow much more slowly, at less than 10%.

In fact, in terms of the scale of mobile payment, Huaxia will already be the first in the world in the future. According to ForresterResearch, the size of China's mobile payment market reached $9 trillion in 2016, and the size of China's mobile payment market was $112 billion, and the market size of China's mobile payment has been nearly 90 times that of the United States. In 2017, the scale of mobile payment transactions in Huaxia exceeded 200 trillion yuan, ranking first in the world.

The first thing that can be seen from here is that the so-called mobile payment includes cashless payment, but cashless payment does not include mobile payment.

But why in the Capgemini report, the United States is the number one country for cashless payments. This has to do with the way the report is statistically conducted, and the cashless in the report includes checks, debit cards, credit card payments, credit transfers, and direct debit transactions in addition to mobile payments. It is not difficult to explain why the United States, which is not well developed in mobile payments, still has the world's largest cashless transaction volume. The country has a mature credit card system, and credit cards have become the most mainstream payment method for the people of the country, and 40% of the total number of credit cards in the world comes from the country.

However, the high maturity of the credit card system has largely inhibited the development of mobile payment in the United States, and a large number of discounts are bound to credit cards, and the people of the United States have no motivation to loosen the restrictions on credit cards.

The reason why the development of mobile payment here far exceeds that of European and American countries is that a deeper reason is that Chinese consumers have not formed the habit of credit card consumption, and it is easier to accept mobile payment. According to a report by Goldman Sachs, the average Chinese person has 3.6 debit cards, but only one-third of them have credit cards, forming two extremes with the United States.

In addition, there is another reason, that is, Huaxia has not experienced the stage of the so-called desktop Internet, but directly embraced the mobile Internet, so Huaxia consumers do not have the baggage of the desktop Internet era in their thinking, which to a certain extent explains why Huaxia's mobile payment market share is so high. If the lack of credit card consumption habits is the core reason for the rapid development of Huaxia mobile payment, then the popularization of smartphones and 4G networks has cleared the last obstacle and reconstructed the entire offline consumption scene with the help of QR codes.

Therefore, for Zhou Fangyuan, it is very important to develop QR codes and develop QR codes.

And speaking of which, mobile payment is actually not too new in China.

As early as 1999, Huaxia Mobile cooperated with financial departments such as Industrial and Commercial Bank of China and China Merchants Bank to start a pilot project of mobile payment business in some provinces and cities such as Guangzhou Province. In 02, China Mobile began the pilot of small-amount mobile payment in Guangzhou. In 04, UnionPay also often carried out mobile payment cooperation bound to mobile phones and bank cards.

It can be said that in fact, several years earlier than Zhou Fangyuan, the domestic mobile payment field has begun to develop.

In the original time and space, in 06 years, China Mobile will start the commercial trial of near-field payment in Xiamen.

In 08 years, the near-field payment pilot was expanded to Xingcheng, Guangshi, Haishi and Shancheng, and in 10 years, UnionPay joined hands with 18 commercial banks such as Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Bank of Communications, as well as Huaxia Unicom and Huaxia Telecom, two telecom operators, and some mobile phone manufacturers jointly established the "Mobile Payment Industry Alliance".

In June 11, the central bank issued a third-party payment license, and UnionPay, Alipay, UnionPay Commerce, Tenpay, and Fast Money obtained licenses, making further progress in the field of mobile payment. It's a pity that due to the non-uniform payment standards and other reasons, domestic mobile payment has not been promoted on a large scale.

Until June 21, 12, Huaxia Mobile and UnionPay signed a mobile payment business cooperation agreement, basically determining the mobile payment standard to 13.56MHz standard. The technical differences that hindered the development of mobile payment were eliminated by the unification of standards.

Later, the three major operators also established mobile payment companies: Huaxia Mobile established Mobile E-commerce Co., Ltd. in July 2011, Unicom established Unicom Woyipay Network Technology Co., Ltd. in April 2011, and China Telecom established Tianyi E-commerce Co., Ltd. in March 2012. In December 2011, the mobile payment subsidiaries of the three major operators obtained the payment business license issued by the central bank at the same time, and the enthusiasm of the operators in the development and promotion of mobile payment products has been enhanced.

The development of mobile terminals and mobile e-commerce is actually an important prerequisite for the rapid development of mobile payment. 、

In 11 years, the transaction size of the mobile e-commerce market was 15.67 billion yuan, a year-on-year increase of 609%, and in the same year, the mobile payment market also developed rapidly, with the annual transaction volume reaching 74.2 billion yuan, a year-on-year increase of 67.8%, and the number of mobile payment users increased by 26.4% year-on-year to 187 million.

It can be said that after 2011, the penetration rate of mobile Internet and mobile e-commerce has increased, which not only provides a broad commercial platform for mobile payment, but also cultivates the consumption habits of users online payment, which is an important catalyst for the outbreak of the mobile payment market.

The penetration rate of smartphones has increased, and the hardware conditions to support the development of mobile payment are gradually in place.

With the rise and development of 3G technology, the rise of mobile e-commerce has been brought about, making mobile phones a more convenient transaction terminal. Coupled with the rapid development of the domestic Internet in the future, the continuous increase in penetration rate has laid the most solid foundation for the rapid development of e-commerce. With the continuous development and growth of online business activities, policies and regulations are needed to regulate the development of the online market. In the future, the state will continue to introduce policies and related laws to regulate the online market, such as the Electronic Signature Law.

In 2014, with the release of Q3 data, the mobile payment market of third-party payment is still dominated by Alipay wallets, with a share of 79.26%, and in the in-app payment market, Alipay also leads with a share of 66.82%. The mobile payment is growing rapidly, and the Baidu wallet after the integration of Baifubao should not be underestimated, especially if the mobile entrance of the direct number is really forced, Baidu wallet will have the strength of Alipay and WeChat. An even bigger threat is Apple.

But in any case, mobile payment is the trend of the future because it has too many advantages.

Carry-on mobility eliminates the limitations of distance and geography. Mobility combined with advanced mobile technology provides access to the services, applications, information and entertainment you need, anytime, anywhere. It is not limited by time and place, and the information is obtained in a more timely manner, and users can query, transfer money or make purchases to the account at any time. Based on advanced mobile communication technology and simple mobile phone operation interface, users can customize their own consumption methods and personalized services, making account transactions simpler and more convenient.

Finally, and most importantly, integration.

With the mobile phone as the carrier, through the information interaction with the terminal reader for close recognition, the operator can integrate various information such as mobile communication card, bus card, subway card, bank card and other information into the carrier with the mobile phone as the platform for integrated management, and build a supporting network system, so as to provide users with very convenient payment and identity authentication channels.

Of course, there are advantages, and there must be disadvantages.

Not to mention, there are still many problems with mobile payments.

The first is the lack of cooperation between operators and financial institutions. Different business models of domestic mobile payment coexist, although operators, financial institutions, and mobile payment third parties have established cooperative relations to varying degrees in the future, but in general, the leader, partner and operation mode are not unified; in addition, the technical solutions adopted by different leading parties are different, and the carriers and working frequency bands of mobile payment functions are not uniform, working at 13.56MHz and 2GHz frequency respectively. The difference between the above two aspects has increased the cost of domestic mobile payment promotion and brought certain obstacles to the faster popularization of domestic mobile payment.

To be honest, the security issue of the transaction was not properly resolved even before Zhou Fangyuan was reborn.

The security of mobile payment has always been a bottleneck for the rapid promotion of mobile payment. The confidentiality, integrity, non-repudiation, authenticity, payment mode, identity verification, security of payment terminals, and legal protection of all aspects of mobile payment are not sound, including contract signing, delivery, payment, breach of contract, after-sales liability, return, tax payment, invoice issuance, payment audit, etc., which are the problems of mobile payment.

Finally, industry standards have not yet been fully unified and unified.

Judging from the future development of domestic mobile payment business, there is still a lack of unified and widely recognized payment security standards.

To be honest, the establishment of the mobile payment ecological environment cannot be completed independently by any one or two enterprises, so it is necessary to cooperate in order to make the entire industry possible to achieve mutual benefit and win-win situation.

However, even if there are various problems, mobile payment must be developed, for the country, the development of mobile payment, so that the speed of currency circulation is accelerated, for economic development is a help. For the public, mobile payment facilitates their lives, directly avoids the occurrence of theft and robbery, and even if it happens, it can also reduce losses. And for companies...... This is the right to speak!

Why in the previous life, whether it was Alipay, WeChat, or any other third party, they all wanted to open mobile payment channels, because this is the right to speak, who can grasp more market share, who can have more users, and stronger user stickiness, this is the right to speak, this is what is necessary for the development of the company. Therefore, even if he knows that it is not easy for mobile payment to develop in today's era, Zhou Fangyuan still has to push it, if nothing else, to better occupy the market. Not only that, but with the i2 phone about to hit the market, the development of WeChat has also been completed.

Alipay, WeChat, although there will be internal struggles in the future Yuanfang Group, Zhou Fangyuan feels that such competition is good. After all, Alipay has long been not directly managed, he just firmly holds the company's shares in his hands, if the country needs, he will give the country a part, and then, absolutely not for sale, at most to give the company's senior management some incentive equity, but don't expect to be able to trade, Alipay's shares are not involved in any transactions. In this case, he can basically let go of Alipay.

But if there are no competitors, Alipay's development is prone to problems, and WeChat is such a powerful "artifact" , He will not continue to leave Brother Xiaoma, Brother Xiaoma can have a QQ, and now Zhou Fangyuan has begun to insist on Tencent's shares, because of his existence, Tencent's development is far inferior to the previous life, and now Yuanfang Group can be said to have replaced part of Tencent and Ali's market positioning, so Zhou Fangyuan began to gradually reduce his shares in these two companies, and at the same time planned the greater development of Yuanfang Group, so this mobile payment is one of the things he must do.