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银联商务金融MISPOS实施方案解析银联商务金融MISPOS实施方案解析近年来，随着我国金融体系的不断完善和移动支付的快速普及，MISPOS（移动智能终端收款机）作为新兴支付工具逐渐受到人们的关注。
银联商务金融MISPOS作为银联商务金融在移动支付领域的一项创新产品，具有收款方便、安全、高效等特点。
在商业银行、信用社、P2P机构、需求方众多的小微商户等市场领域逐步展开。
一．产品概述银联商务金融MISPOS是一款基于干线POS终端、移动互联网技术、银联金融云等平台技术，共同打造的智能移动POS 机。
该设备可以通过GPRS、WIFI、蓝牙等多种通信方式实现收款、付款、查询、转账等功能。
同时，该设备还可以实现“手机取现”、“信用卡还款”等增值服务。
二．银联商务金融MISPOS实施方案1.硬件实施方案银联商务金融MISPOS的设备可以分为两类：一类是通过传统的干线POS设备外接MISPOS终端升级实现；另一类则是直接采购新的MISPOS设备。
对于第一类设备，使用银联商务的G3通信模块，通过GPRS网络与云服务器进行通信；对于第二类设备，则使用银联商务的M2M GPRS模块，采用银联商务金融提供的云服务器进行通信。
同时，银联商务金融还提供了一件式服务，从设备采购、设备验证、设备推广、设备维护等方面全程支持商家使用。
2.软件实施方案银联商务金融MISPOS的软件实施方案包括应用开发、渠道管理和运维管理等三个方面。
（1）应用开发方案银联商务金融MISPOS支持多种支付方式，例如：银行卡、微信支付、支付宝支付，此外还支持票据打印、自动结算、数据分析等功能。
商家可根据自有的需求，进行针对性的定制服务，同时可以根据银联商务金融提供的定制服务，进行系统二次开发。
（2）渠道管理方案银联商务金融MISPOS的收单平台可以通过多个银行、第三方支付公司等多渠道，满足商家在收款方面的需求。
同时，为保证平台稳定性，平台具有多节点、多备份、容灾等特性，可以根据商家的特殊需求进行系统定制。
中国银行电子商务B2B支付产品竞争力调查随着全球经济的快速发展，电子商务成为了重要的商业模式之一。
中国作为全球第二大经济体，在电子商务领域也取得了快速的发展。
在电子商务的过程中，B2B支付产品起到了至关重要的作用。
中国银行作为国内大型商业银行之一，旗下的电子商务B2B支付产品具有一定的竞争力。
本文将对中国银行电子商务B2B支付产品的竞争力进行调查和分析。
一、产品特性分析中国银行电子商务B2B支付产品具有以下产品特性：1. 安全性：中国银行作为国内领先的商业银行之一，拥有完善的风险控制系统和安全保障措施，能够有效保护客户的资金安全。
2. 便捷性：中国银行电子商务B2B支付产品提供了在线支付、手机支付等多种支付方式，方便客户根据实际需求选择最适合的支付方式。
3. 高效性：中国银行电子商务B2B支付产品在支付过程中提供了实时支付、即时到账等特点，有效提升了交易效率。
4. 全球覆盖：中国银行作为一家国际化的银行，拥有广泛的外汇业务和全球化的服务网络，为客户提供全球范围内的B2B支付服务。
二、用户反馈调查为了了解用户对中国银行电子商务B2B支付产品的评价和需求，我们进行了一系列的用户反馈调查。
调查结果显示，大部分用户对中国银行电子商务B2B支付产品的安全性和便捷性给予了较高评价。
用户认为中国银行提供的风险控制系统和安全保障措施非常可靠，使他们能够放心地进行支付操作。
同时，用户也认为支付过程简单快捷，满足了他们的支付需求。
然而，部分用户对中国银行电子商务B2B支付产品的高效性提出了一些意见。
他们认为在某些情况下，支付操作的处理速度稍显慢，需要进行进一步的优化和改进。
另外，还有部分用户希望中国银行电子商务B2B支付产品能够提供更多的支付方式和更便捷的跨境支付功能。
由于全球化商业环境的发展，各个国家和地区的支付方式和货币体系差异较大，用户期待中国银行能够满足不同用户的支付需求。
三、竞争对手分析除了中国银行，其他商业银行和第三方支付机构也纷纷推出了自己的B2B支付产品。
电子商务业务模式及赢利分析概述电子商务是指利用互联网和信息技术进行商务活动的模式。
随着互联网的发展和普及，电子商务成为各行各业的重要组成部分。
本文将介绍电子商务的常见业务模式，并分析这些模式的赢利方式。
业务模式介绍1. B2C模式B2C模式，即企业对个人的销售模式，是电子商务中最常见的模式之一。
在这种模式下，企业通过自己的电子商务平台向消费者直接销售产品或提供服务。
这种模式的特点是消费者通过互联网购买商品，企业通过线上交易实现销售和赢利。
2. C2C模式C2C模式，即个人对个人的销售模式，是电子商务中另一个常见的模式。
在这种模式下，个人通过电子商务平台将自己的闲置物品进行二手销售。
这种模式的特点是买卖双方都是个人，平台提供交易平台并从交易中收取一定的佣金。
3. B2B模式B2B模式，即企业对企业的销售模式，是电子商务中针对企业市场的模式。
在这种模式下，企业通过电子商务平台进行供应链管理和交易，以更高效的方式进行采购和销售。
这种模式的特点是企业之间通过电子商务平台进行交易，减少了传统的供应链环节，提高了交易效率。
4. O2O模式O2O模式，即线上到线下的商业模式，将线上和线下商业结合起来。
在这种模式下，用户通过线上平台进行预约或下单，然后在线下门店体验产品或服务。
这种模式的特点是线上平台提供预约、下单、支付等功能，线下门店提供产品或服务。
平台通过引流和推广为线下门店带来潜在客户。
赢利分析不同的电子商务业务模式有不同的赢利方式。
下面将分别对各个模式进行赢利分析：1. B2C模式的赢利分析•销售利润：企业通过直接销售产品或提供服务来实现利润。
例如，企业在售卖产品时可以通过调整产品价格和成本控制来获取销售利润。
•广告收入：企业可以通过在自己的电商平台上提供广告位给其他企业来获取广告收入。
•会员服务费：企业可以提供会员服务，例如特惠折扣、更快的物流等，通过会员费获取额外的利润。
2. C2C模式的赢利分析•交易佣金：电商平台可以从每笔交易中收取一定的佣金作为盈利方式。
中国银行商业模式及经营策略分析20094927（学号）高伟文（姓名）通信工程（专业）一、公司简介中国银行网址是,首页左上角是中国银行的标志，右上角是站内搜索，还可以设置网站的文字为英文，简体或者繁体字。
首页提供个人客户，个人贵宾，以及企业客户网银登录，上面有公司金融服务，个人金融服务，银行卡服务。
还有最新公告，优惠活动，中行动态等关于中行的最新资讯。
首页还可以通过金融市场，理财产品，基金资料等来了解中行的业务。
首页右下角有中行的招聘广告，采购广告。
不仅如此，首页还可以看到外汇牌价，存贷款利率，债券指数，代售基金净值，券商基金净值，理财产品净值计算工具等等。
在1912年2月，经孙中山先生批准，中国银行正式成立。
从1912年至1949年，中国银行先后行使中央银行、国际汇兑银行和外贸专业银行职能，坚持以服务大众、振兴民族金融业为己任，稳健经营，锐意进取，各项业务取得了长足发展。
新中国成立后，中国银行成为国家外汇外贸专业银行，为国家对外经贸发展和国内经济建设作出了重大贡献。
1994年，中国银行改为国有独资商业银行。
2003年，中国银行开始股份制改造。
2004年8月，中国银行股份有限公司挂牌成立。
2006年6月、7月，先后在香港联交所和上海证券交易所成功挂牌上市，成为首家在内地和香港发行上市的中国商业银行。
中国银行是中国国际化和多元化程度最高的银行，在中国内地、香港、澳门及29个国家为客户提供全面的金融服务。
主要经营商业银行业务，包括公司金融业务、个人金融业务和金融市场业务，并通过全资附属机构中银国际控股集团开展投资银行业务，通过全资子公司中银集团保险有限公司及其附属和联营公司经营保险业务，通过控股中银基金管理有限公司从事基金管理业务，通过全资子公司中银集团投资有限公司从事直接投资和投资管理业务，通过中银航空租赁私人有限公司经营飞机租赁业务。
按核心资本计算，2009年中国银行在英国《银行家》杂志“世界1000家大银行”排名中列第十一位。
国内电子商务支付存在的问题及对策随着互联网的普及和移动支付的兴起，电子商务行业已经成为国内经济增长的重要推动力量。
随着电子商务规模的不断扩大，支付环节的风险和问题也逐渐显现出来。
本文将就国内电子商务支付存在的问题及对策进行探讨。
一、问题分析1. 安全性问题在电子商务支付中，安全性一直是最为关键的问题之一。
当前，虽然在网络支付过程中有诸多安全策略和技术手段，如加密传输、数字签名等，但是黑客、病毒等网络安全隐患依然存在。
个人隐私信息、银行卡信息很容易被盗取，给消费者带来损失和麻烦。
2. 不同支付平台的差异随着电子商务支付的火爆，各种支付平台也层出不穷，如支付宝、微信支付、财付通、银联在线等。
这些支付平台之间的差异性很大，导致用户在使用过程中往往需要下载多个支付软件，不仅浪费空间，还增加了管理成本，降低了便捷性。
3. 支付风险问题在电子商务支付中，存在着诸如支付风险、支付纠纷等问题。
由于支付过程中经常遇到不明来源的付款、虚假交易等情况，很容易给商家和消费者带来纠纷，而且解决起来也比较复杂。
4. 第三方支付的监管问题随着电子商务的迅速发展，第三方支付机构也在不断涌现。
一些小型的第三方支付机构存在监管不足或者不规范的现象，给用户账户安全和资金流动带来了极大风险。
在电子商务支付中，支付通道费占用了大量的成本。
国内银联等支付机构的手续费相对较高，对商家的利润造成了一定的影响。
二、对策建议为了解决电子商务支付过程中的安全隐患，可以加强安全技术的研发和创新，如采用生物识别技术、人脸识别技术、区块链技术等，以提高支付安全性。
为了解决不同支付平台的差异性问题，建议相关部门制定一项统一标准，鼓励不同支付平台之间进行资源整合，以提高用户体验。
在电子商务支付过程中，需要建立完善的风险管理体系，包括对商户资质审核、用户交易行为监控等措施，以降低支付风险。
为了解决第三方支付机构存在的监管不足问题，有关部门应该加大监管力度，建立完善的监管制度和执法机制，规范行业秩序，保护用户权益。
【摘要】中国电子商务市场的繁荣发展，使部分商业银行也逐渐进行电子商务业务的开拓。
电子商务的开拓，有助于银行获取客户资源，推进金融行业的快速发展。
本文对银行开拓电子商务的特点及原因进行分析，并阐述其在电子商务开拓过程中面临的挑战。
【关键词】银行电子商务特点原因一、前言银行开拓电子商务业务的方法主要有两种。
一是以本行客户为服务主体的积分商城或信用卡商城。
二是以所有用户为开放主体的纯电子商务模式。
该平台类似于传统的淘宝和京东等电子商务网站。
在该平台中，消费者既能够获取全面的商品信息，也能够获得“大额分期”、“个人融资”、“担保支付”等服务，实现了金融服务的全面性。
二、银行开拓电子商务业务的特点（一）良好的客户基础和信任度相较于网络平台上的各式电商和支付机构，银行具有较高的信用度和安全性。
虽然，以支付宝为主体的第三放支付机构公信度也有所提升，但是其具备交易额度上的信誉限制。
交易双方无法对第三方支付公司进行充分信任。
银行的各项操作规程和政策等，是在法律范围内执行的，比较严格和正规，能够有效避免电子商务交易过程中的风险。
相较于第三方交易公司，银行具备良好的客户基础和信誉优势。
以建设银行为例，其网上银行用户已经超出1亿，手机银行用户已经超过6000万。
银行要借助自身的资源优势和客户优势，吸引消费者参与到电子商务平台中，达到良好的电子商务开拓效果[1]。
（二）资金安全，技术先进一是相较于电子商务运营商，银行更加注重网络安全问题。
它具备资金和技术方面的优势，能够对钓鱼网站和网络病毒等进行有效防范，保障人们的交易安全和资金安全。
二是银行的交易环境比较封闭，能够最大程度降低交易风险，保障资金安全。
（三）具备长远性的目标规划银行开拓电子商务的时间比较短，并取得良好的发展成效。
银行具备充足的资金和资源优势，立足长远，培植自己的客户群，以保障该平台处于良性的运营状态。
与普通电子商务平台比较，银行也具备价格优势，并且能够应用资金，获取更加广阔的市场份额。
银行电子商务解析银行行业内电子商务的发展趋势和商机电子商务的兴起已经在不同的行业产生了深远的影响，银行业也不例外。
随着科技的不断进步和人们对便捷、高效服务的需求不断增长，银行电子商务成为了银行行业内的一项重要发展趋势。
本文将对银行电子商务的发展趋势和商机进行深入分析。
一、电子商务在银行业的影响随着互联网的普及和移动支付的兴起，越来越多的人开始使用网上银行服务进行交易和管理自己的账户。
这种电子商务模式不仅为客户带来了便利，也使得银行能够提供更加个性化、多样化的产品和服务。
在这种模式下，客户可以随时随地轻松完成各种银行业务，而不需要亲自前往银行网点，大大提升了用户体验。
另外，电子商务也为银行提供了一个更加高效便捷的运营平台。
通过建立完善的电子商务系统，银行能够实现在线开户、在线办理各类贷款和投资业务等，极大地提高了银行的运营效率和服务质量。
此外，电子商务还为银行带来了更广阔的市场，使得银行能够通过互联网和移动平台触达更多潜在客户，实现业务的快速扩张。
二、银行电子商务的发展趋势1. 移动支付的普及：随着智能手机的普及率不断上升，越来越多的人选择使用移动支付完成消费。
预计未来几年内，移动支付将继续快速发展，成为主流支付方式之一。
银行需要适应这一趋势，积极开发移动支付服务，提供安全、便捷的移动支付解决方案。
2. 个性化服务的提供：客户对于个性化、定制化的服务需求不断增长。
银行可以通过数据分析和人工智能等技术手段，了解客户的需求和偏好，并根据这些信息提供相应的定制化产品和服务，提升客户满意度和忠诚度。
3. 跨境电子支付的发展：随着全球化的进程，跨境交易的需求不断增加。
银行可以借助电子商务平台，提供跨境电子支付解决方案，帮助客户更便捷地进行国际交易，提升国际业务的发展水平和竞争力。
三、银行电子商务的商机1. 金融科技合作：金融科技公司的兴起为银行电子商务带来了新的商机。
银行可以与金融科技公司合作，共同开发和推广创新的电子商务解决方案，提升用户体验和服务质量，实现双赢的局面。
电子商务的在线支付和结算方式一、在线支付方式随着电子商务的快速发展，人们越来越倾向于使用在线支付方式完成网上购物。
在线支付是指在购物的过程中，消费者通过互联网使用自己的银行卡（信用卡、借记卡等）进行支付的方式。
以下是一些常见的在线支付方式：1. 支付宝支付宝是中国最大的第三方支付平台，不仅支持网上支付，还支持线下支付、转账、充值等功能。
支付宝将用户的银行卡信息进行加密处理，确保支付安全可靠。
2. 微信支付微信支付是由微信推出的一种移动支付方式。
在购物的过程中，用户只需绑定自己的银行卡信息，即可快速完成支付。
微信支付支持多种支付方式，包括银联卡、信用卡、储蓄卡等。
3. 银联在线支付银联在线支付是由中国银联推出的一种电子支付方式，需要用户在购买商品时使用已经绑定银行卡的账户进行支付。
银联支付安全可靠，具有高效便捷的特点。
4. PayPalPayPal是国际上很受欢迎的一种在线支付方式，主要面向海外用户。
用户只需注册一个PayPal账户，便可在全球范围内快速安全地完成支付。
二、结算方式在线支付是电子商务中的重要一环，而结算则是对整个交易过程进行归纳整理的步骤。
随着电商业务模式的不断发展，结算方式也不断更新、升级。
以下是一些常见的结算方式：1. 线上支付后结算这是最常见的一种结算方式。
消费者通过在线支付方式完成支付后，商家将订单信息保存在系统中，方便进行账目统计与管理。
2. 货到付款货到付款是指消费者在收到商品之后，再进行支付的一种结算方式。
这种方式能够为消费者提供更好的安全性保障，但对于商家来说，则需要承担更高的风险。
3. 预付款结算预付款结算是指在交易开始前，消费者需要先将资金存入卖家的账户中。
卖家在收到预付款后，才会开始为消费者准备商品。
这种结算方式能够保障卖家的权益，但也要求消费者在交易前进行充分考虑。
总的来说，在线支付和结算方式已经成为了电子商务中不可或缺的一部分。
随着技术的不断革新，这两种方式相信会不断地升级和发展，为电商的顺利发展提供更强大的支撑。
银联商务基本情况一、银联商务行业背景银联商务是中国银联旗下的全资子公司，成立于2002年。
作为中国最大的银行卡支付服务机构和综合支付解决方案提供商，银联商务在国内支付行业具有强大的影响力和竞争力。
银联商务以“一卡通、一带通、一链通”为核心战略，积极开拓市场，提供安全、便捷的支付服务。
以下将从银联商务的业务结构、市场地位、发展规模和技术创新等方面进行详细探讨。
二、银联商务业务结构银联商务主要业务包括支付服务、POS机具管理、收单业务、风险管理和综合服务等。
具体来说，银联商务通过与商业银行合作，为商户提供刷卡支付服务，同时提供POS机具及终端管理服务，确保支付网络的稳定和运行。
此外，银联商务还通过风险管理系统，提供安全可靠的支付环境。
综合服务包括商户信息管理、报表查询和业务办理等，为商户提供全方位的支付支持和解决方案。
2.1 支付服务银联商务支付服务覆盖了线上支付和线下支付，为商户提供全渠道支付解决方案。
在线上支付方面，银联商务通过与电子商务平台合作，为商户提供支付网关、手机支付、扫码支付等服务，满足消费者的支付需求。
而在线下支付方面，银联商务通过与商业银行合作，为商户提供刷卡支付服务，为消费者提供便捷的刷卡支付方式。
2.2 POS机具管理银联商务通过自有的POS机具管理系统，为商户提供POS机具的配置、维护和管理服务。
POS机具是实现刷卡支付的关键设备，银联商务通过提供优质的POS机具，确保支付网络的稳定和安全。
2.3 收单业务银联商务作为收单机构，负责与商户签约，管理商户结算和清算，确保商户资金的安全和稳定。
银联商务通过与商业银行合作，为商户提供快速、便捷的结算服务，同时保护商户的利益和权益。
2.4 风险管理银联商务通过建立风险管理系统，保障支付环境的安全。
该系统可以通过识别和预警风险行为，及时采取相应措施，防止支付风险的发生。
银联商务还与商业银行合作，实现风险共担和风险分担，提供安全可靠的支付环境。
China UnionPay---online website analysisCollege:Economics and Management SchoolClass: e-commerce 111Student ID:11870144Student name: Yiyi WangContentChapter 1: Company introduction∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙31.1.Overview of the China UnionPay network ∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙3 Chapter 2: The constitution of the China UnionPay network platform∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙42.1. The nature and responsibilities of the China UnionPay∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙42.2. System design∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙52.3. The establishment of bankcard standards system∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙62.4. Core values∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙62.5. Organization structure∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙6 Chapter 3: Characteristics of the China UnionPay network platform∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙73.1. Brand of the UnionPay∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙73.2. Range of service∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙83.3. T arget people service∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙93.4. Website functions∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙9 Chapter 4: Business strategy of the China UnionPay network∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙114.1 Strategic objectives∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙114.2 Security operations∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙124.3 Service operations∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙124.4 Profit model∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙12 Chapter 5: Conclusions and suggestions∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙∙13Chapter 1: Company introduction1.1Overview of the China UnionPay networkChina UnionPay is a joint organization of China bankcard, which is established through the approval of the State Council and People’s Bank of China in March 2002, is headquartered in Shanghai. As a joint organization of China bankcard, China UnionPay has become the core and hub of China’s bankcard industry, and plays a fundamental role in the development of China’s bankcard industry. Through UnionPay inter-bank transaction settlement system, all the banks achieve interoperability between different systems, and make the bankcard can be used across banks, across-regional and cross-border ultimately. On the basis of inter-bank transaction settlement system in the construction and operation of UnionPay bankcard network, China UnionPay actively joint commercial banks and so on to promote the unitary UnionPay bankcard standards, and create an independent bankcard brand; promote the innovation and application of bankcard; maintain the market order of bankcard acceptance.The establishment of China UnionPay indicates the new industrial development system consists of rules developed jointly, business promoted jointly, market expanded jointly, orders specified jointly and risk prevent jointly is officially formed, furthermore, it also indicates China’s bankcard industry begins to more intensive and large-scale. The industry enters a new stage of comprehensive and rapiddevelopment.Chapter 2: The constitution of the China UnionPaynetwork platformThe China UnionPay website is originated by the People’s Bank of China, and provided by China UnionPay. The website mainly serves all banks and merchants, and establishes long-term cooperative relationship with all banks. The website interface is as follows:2.1. The nature and responsibilities of the China UnionPay●As a joint bankcard organization of China, the China UnionPay stage at thecore and hub of the bankcard industry, and plays a fundamental role in thedevelopment of China’s bankcard industry;●Through UnionPay inter-bank transaction settlement system, all the banksachieve interoperability between different systems, and make the bankcardcan be used across banks, across-regional and cross-border ultimately;●Unify UnionPay card standards, create an independent bankcard brand, andboost the development and application of bankcard;●Maintain the market order and guard against the risk of bankcard.2.2. System designThe CUPS system of China UnionPay experienced the development from dispersed to concentrated, and gradually build a unified China UnionPay technology system architecture. China UnionPay bankcard information exchange system integrates the original National Bankcard Exchange Center and eighteen dispersed bankcard network centers, achieve the first time in the country using open platform to process the bankcard information exchange. The system innovated in the part of high-performance, high scalability, high availability, high reliability and high manageability, applied for a number of national patents, achieve 7×24×365 uninterrupted transaction processing, the amount of 13529 level of processing transactions per second up to the international advanced level.Through the establishment of the UnionPay information exchange system, China UnionPay integrate original dispersed exchange centers which has a high performance and operational bottlenecks caused by different architecture, technology and management methods, and uses a unified portal entrance to provide forwarding, clearing, query, reconciliation and so on. System architecture as shown below:2.3. The establishment of bankcard standards systemChina UnionPay is committed to the improvement and promotion of C hina’s own bankcard industry standard, and actively participates in the formulation of a number of national standards, such as ‘financial retail business-merchant category code’,‘bankcard magnetic stripe information format and use norms’,and ‘financial transaction device security compliance checklists’, and develops the mobile payment security standard at present.At the time China UnionPay builds first generation of bankcard exchange system, it has launched eight categories, a total of 47 standards, and five of them have risen to the financial industry standards. These standards cover basic standards, card standard, exchange system core standard, admissibility channels standards safety standard, IC card standard, internal standard, and testing standard etc., applying to all domestic and foreign financial institutions of China UnionPay system.2.4. Core valuesChina UnionPay’s core values consist of service, innovation, responsibility and win-win.Service: adhere to the "service first" to create maximum value for customers. Innovati on: to win the only way of the future.Responsibility: the courage to take responsibility is the foundation of doing all the work well.Win-win: win-win cooperation is the fundamental norms of the work.2.5. Organization structureIn accordance with the requirements of the modern corporate system, China UnionPay establishes a standardized corporate governance structure andorganizational structure, and also establishes a shareholders’meeting, board of directors and board of supervisors. Moreover, the China UnionPay sets kinds of professi onal management, coordination and advisory committee. As shown below:Chapter 3: Characteristics of the China UnionPay network platform3.1. Brand of the UnionPayThe logo of China UnionPay brand uses three col or of red, blue and green which are arranged in parallel pattern as the background of the bankcard, setting off the shape of English word ‘UnionPay’ and Chinese word ‘yinlian’. Three different colors arrange slightly, symbolizes the joint development of the bankcard networking and industry parties. In detail, red symbolizes aggressive, blue symbolizes breadth and depth of the application, and the green symbolizes safety and efficiency. English word ‘UnionPay’means UnionPay card can be accepted internationally, and its tail characters with the Chinese word ‘yinlian’ end to end means ‘UnionPay’ brand fromdomestic to international, and gradually grows to become international bankcard brand with global influence.3.2. Range of service●Basic servicesChina UnionPay’s basic role is that constructs and operates bankcardinter-bank transaction settlement system infrastructure, promotes unifiedbankcard standard, provides efficient inter-bank informationexchange ,clearing data processing, risk prevention and other basicservices.●Banking servicesChina UnionPay adheres the philosophy of ‘service first’, provides a set ofclearing data processing, technical support, risk control, data analysis,product innovation in an integrated service program for major commercialbanks.●Merchant servicesChina UnionPay takes the win-win cooperation as a starting point, providesintegrated services for business, and tries to provide a variety of paymentsolutions to help business solve practical problems of payment applications.●Cardholder servicesThrough years of efforts, China UnionPay constantly establishes andimproves the cardholder service system to explore the establishment ofvarious forms of the cardholder service platform, to meet the diversevalue-added service demand for cardholders.●Industry service systemChina UnionPay takes the lead and promotes the relevant parties to provideprofessi onal services support for all types of market players, and promotesthe formation of a professional bankcard service system, which playing apositive role in promoting a rapid and healthy development of the bankcardindustry.3.3. Target people serviceChina UnionPay has vigorously promoted various bankcard-based payment services, aiming to meet people’s increasingly diversified demand for card. The major target customers that China UnionPay oriented are all commercial banks and all industries, the most important thing is to provide professi onal and convenient bankcard acceptance business for bankcard holders and meet the bankcard needs of growing overseas business, tourism, and learning of them.3.4. Website functionsChina UnionPay website not only introduces China UnionPay’s basic information, brand philosophy and news, but also sets some features like understand China UnionPay, exciting use of card, overseas, innovative payment and security etc.●China UnionPay online paymentChina UnionPay online payment provides certification payment, fast payment, regular payment, saving card payment, online banking payment and other convenient and flexible payment methods, which are widely used in shopping payment, repayment transfer, business travel services, mutual fund purchase, corporate collecting payment and other areas. It also consists of six characteristics: convenient, safe and reliable, global, financial secured transactions, integrated merchant services and free threshold for online payment.●Mobile paymentMobile payment is a new service under the support of all commercial banks with the purpose to accomplish bankcard account transaction through mobile, by cooperating with mobile operators for the cardholders. This business connects both wireless communication network for communications carriers and the bank’s financial system, making the mobile a personal financial payment terminal which can be used anytime, anywhere and portable, and cardholders can enjoy a safe, convenient and quick financial payment service.●UnionPay cardUnionPay card is issued by China UnionPay through allocation and management of bank identification number (BIN), according to China UnionPay card business rules and technical standards with ‘UnionPay’ logo on the card face. People can use UnionPay card to consume or ATM withdrawals offshore by foreign currency credit card RMB debit, to avoid multiple exchange loss, and not need to purchase foreign exchange for repayment, without having to pay 1-2% currency conversion fee, moreover,ATM withdrawal fee is relatively low, there is a chance to enjoy preferentialactivities, convenient and affordable.People who hold the UnionPay consume in over 250,000 stores worldwide,simply complete the rebate process, and can receive returned consumptiontaxes through their UnionPay cards. Returned consumption taxes directlyconvert local currency into RMB, eliminating the trouble of currencyexchange, and 1% -2% currency conversion fees waived, much lower costof consumption taxes.●Other functionsIncluding travel reservations, ATM inquiries, platinum service, card tips,global special, industry information, telephone payment etc., moreover,user-friendly query uses, as well as a better understanding of the websiteinformation and preferential policies.Chapter 4: Business strategy of the China UnionPay network4.1 Strategic objectives●Build UnionPay acceptance network across country, urban, suburban andinternational, accomplish the goal ’where Chinese people go, whereUnionPay card can be used’.●Make UnionPay independent brand become a greater influence in theinternational bankcard brands, and also make UnionPay standard creditcard become the preferred credit card brand for the Chinese people.●Establish larger-scale payment innovation R & D center; make UnionPaybecome an international payment innovation and R & D base.●The quality of service catches up with the similar multinationals level.●Risk monitoring capabilities close to or reached the international advancedlevel.4.2 Security operationsThe China UnionPay makes full use of Lean Six Sigma philosophy, and creatively applies the concept of converting internal time to external time in the fixed system process. It greatly improves the availability of disaster recovery system by change the backup process and technical program. Through the system approach transform the inherent concept of paying the disaster recovery system operation focus on exchange.4.3 Service operationsChina UnionPay gives full paly to the unique advantage of the card organizations, greatly fit the bank’s actual demand, not only improve the trading success rate of the cooperative banks, and accomplish the win-win situation between China UnionPay and member institutions. Full use of the Six Sigma statistical analysis tools, through the analysis of huge amounts of data to find the key points that affect members of institutional trading success rate, and quickly find the problem which need to be solved. Only lasted 2-3 months’ time from start to completion, indicating that sufficient data coupled with the correct Six Sigma analysis tools can do a ‘precision strike’ to the trading success rate problem, and to help UnionPay to quickly lock and address the problems.4.4 Profit model●Merchants need to pay a certain fee to the issuing bank and UnionPay whenuse a credit card to purchase goods.●Part of the interbank transfer fee need to be paid to the UnionPay when usethe UnionPay network.●Merchants need to pay the fee for renting the UnionPay POS machine.●ATM access UnionPay network also needs to pay.●Banks and other institutions also need to pay certain fee to UnionPay whenwant to use the UnionPay data.●Initial fee (mandatory): 2 RMB handing fee using the card per time, 0.3 RMBquery fee per time.●Merchants pay the commission fee to banks, UnionPay and banks share thecommission fee. UnionPay combines some of independent bank businesstogether, to facilitate the each bank customers much more convenient touse related bank business. UnionPay plays a role of a channel. UnionPay’sprofit model is charging the fee from each bank in accordance with theagreed proportion when business happened under the UnionPay system.●UnionPay is not a institution, but a joint business model of the majorstate-owned commercial banks. The profit form mainly from foreignbusiness and basic deposit and loan business, interbank business model isits main characteristic.Chapter 5: Conclusions and suggestionsFirstly, UnionPay is stronger at website internal structure promotion than website external promotion as a whole, as a result UnionPay need to strengthen the external promotion of its website functions. On the one hand, UnionPay needs to strengthen its promotion from new media including micro-blogging, email and blog etc.; on the other hand, UnionPay also needs to strengthen the traditional promotions including television media, newspapers and other paper media. Moreover, UnionPay needs to improve its main promotion aspects on BAIDU and other well-known search engines on the keywords. Only a full three-dimensional and multi-channel promotion enables more customers to understand and use the network platform in a good atmosphere and a virtuous cycle. Finally, the website backlinks are not enough, UnionPay needsto accomplish its backlinks with a lot of major domestic commercial and well-known banks with the purpose to bring together more customers to understand and even use the UnionPay website platform when using other similar websites.Secondly, UnionPay needs to change the relationship with its merchants from service relationship to partnership relationship. With the increasing concern on personal business especially bankcard business, banks goes to pay more requirements to China UnionPay technology service. The banks not only satisfy a single answer to the question, but hope the UnionPay can provide a package of solutions and more detailed advisory services, and gradually for a win-win partnership of cooperation.Thirdly, UnionPay has already begun to intervene people’s convenient living services such as water and electricity cost. However, the progress of all aspects of convenient living services is still relatively insufficient, such as pay the traffic ticket timely, health care and other aspects of more convenient service pay and query functions. Therefore, UnionPay needs to optimize internal organizational structure including the overall consideration and integration of online and offline integrated services, enhance the upgrade of technology platform of product development and design including strengthening no card payment transaction processing platform functions etc., and finally establish and apply internet payment platform, mobile payment platform and other more channels.。
