On July 27, 2016, the 2nd (2016) China Inclusive Finance Conference – The Age of Mobile Financial Services was held in Beijing. The meeting adopted policy interpretation, trend discussion, results release, product display, case sharing, cooperation and exchange, etc. We will display all the new achievements, new products, new technologies and new services of China's inclusive financial development, build an inclusive financial innovation service brand, establish a corporate image of social responsibility, and vigorously promote the healthy and sustainable development of China's inclusive financial industry. Cui Hongfeng, executive vice president of China Union and academician of the Chinese Academy of Engineering, attended the meeting and delivered a keynote speech.
He believes that in recent years, mobile payment has become an important driving force for financial innovation. Under the leadership of the national authorities such as the People's Bank of China, and with the efforts of all parties in the industry, China Mobile has made great progress. China UnionPay has always maintained Innovative, cooperative and win-win ideas, constantly use innovation to change China's payment environment. In the past 14 years, the domestic payment environment has been completed to complete the transformation of magnetic stripe bank cards to financial IC cards. In the mobile Internet UnionPay, we will grasp the pulse of the times and fully develop the UnionPay products, and create openness with the characteristics and advantages of intelligence, cloud and security. The mobile payment ecosystem.
Mobile payments are beginning to be the driving force behind the development of various emerging business models
The Internet has migrated to the mobile Internet. In June 2014, China’s online mobile phone usage rate exceeded the computer usage rate. As of June 2015, China’s mobile Internet users reached 594 million. With the intelligentization of mobile terminals, the mobile Internet has migrated. A foregone conclusion. The mobile Internet guided by mobile terminals is bred with huge market opportunities. Secondly, the growth of mobile commerce and the growth of various business activities to mobile terminals, mobile payment, mobile online shopping, and mobile phone bookings have grown rapidly.
Mobile payment has become the driving force for the development of various emerging business models. It is experiencing explosive growth. We have seen many innovative business models in the fields of mobile finance, mobile merchants, online and offline integrated marketing, and any financial Services, business transactions can not be separated, payment completed the transaction of various services, also formed the evolution of the mobile Internet ecosystem, payment technology, and for mobile Internet innovation, promote the development of various types of innovative services, the payment industry and other Industrial development can be based on technology, extending to value added and building an open ecosystem around payments.
The promotion of financial IC cards has laid a good foundation for the development of mobile payment. In the first half of the year, more than 2 years and 6 years, the national financial IC card has reached a total of 2.38 billion cards, and the number of POS terminals supported by UnionPay has exceeded 5.7 million. The financial smart card technology is for the development of mobile finance in the environment and users. Education has laid a good foundation. User experience has become the key to product competitiveness. The competition of mobile Internet is also the competition of user experience. User experience is an important core competitiveness of mobile payment products. As a mobile payment service provider, it needs to focus on its core services and functions. Maximize product experience and adapt to changing user needs and competitive environments in an iterative development. Fully dig into various application scenarios and enhance your value by serving users.
UnionPay moves three major ecological circles. Sometimes, the first is the implementation of the standard of the entire ecosystem. Second, it relies on the offline cooperation environment and the cooperation of all parties in the industry for many years. Third, the user experience takes into account the safety and convenience. Both field and remote card payment have the best experience.
In recent years, UnionPay has combined with the actual development of China's payment industry to create an open, cooperative and win-win mobile payment platform and system. With TE technology security technology, relying on the platform for issuing cards, and the NFC front mobile phone of the user terminal, the product forms of NFCCM, HCE and TOKEN, the security system of near-field payment is formed.
UnionPay payment standardization TOKEN is a transformative technology
Payment tokenization is also an innovative technology and an information security technology. It not only supports cloud flash payment innovation products, but also has the duality of card number, information security and protection of payment transaction security. Therefore, we think this is a transformative The technology, UnionPay is building a payment tokenization ecosystem, and is currently implementing protection for card numbers in various scenarios. At present, UnionPay mainly carries out work from the perspective of systems, products, rules and regulations. UnionPay will further promote from the perspective of the common development of scenarios, objects, services and industrial chains.
UnionPay's payment tokenization construction can be divided into four steps. The first step is to support TOKEN online in 2014. The second step is to support TOKEN across banks. The typical case is based on TOKEN's cloud flash payment and offline transaction. The third step of the line is to support the overseas demand. The fourth step is to provide remote management tools for the card issuer. Next, the UnionPay has an existing system to provide more services.
UnionPay always pays attention to the latest security payment in the world, and actively practices and guides to explore the latest mobile security standards using tokenized HCE fingerprint authentication 2.0 to continuously enhance the security of mobile internet payment products. NFC mobile payment has always faced a long-term industrial chain, but the Android 4.4 version of the host card emulates HCE mode. This technology allows non-connected terminals to allow access to NFC's mobile banking, mobile Wallet and other client payment applications. Through the research on HCE technology, UnionPay cooperated with all the cooperative banks, especially in the HCE product technology that ICBC took the lead to combine HCE technology, UnionPay payment technology and TOKEN to develop HCE products, which helped the issuing bank to implement rapid implementation and rapid development. The user's mobile payment service provides users with convenient and secure business card service and payment experience, achieving scale development. UnionPay cloud payment platform is the card lifecycle management, transaction issuance and update, client security service and other services. By issuing the UnionPay cloud payment platform, the issuing bank can reduce the cost to the minimum and accelerate the HCE cloud payment. The landing of the business.
The UnionPay cloud payment platform has the following characteristics: First, the acceptance environment is fully compatible with the existing non-connection environment, second, the account transaction risk is controllable, and the third is the open platform to take into account the needs of all parties. Fourth, users are convenient and quick to use.
The late application scenarios of HCE remote payment are widely available. Based on the HCE platform, the online payment of the online payment card can be completed through the delivery of the mobile Internet provider and the local HCE mobile phone client, thereby achieving online and offline integration, and superimposing industrial applications. , various value-added products such as Internet card applications. It can also be combined with online marketing and location targeting to achieve online marketing push, offline store consumption, online O2O closed loop.
UnionPay is committed to the safe exploration of mobile payment
With the rapid development of mobile payment terminals, mobile security issues have become increasingly prominent. In March 2015, the Internet Security Center released the 2015 China Internet (Aiji, Net Value, Information) security report, it can be seen that the Android system is potentially Security risks are shocking. These dangers come from system vulnerabilities, channels of communication and communication, and urgent need to be vigilant, and come up with effective solutions as soon as possible to solve the current security of smart terminals. UnionPay has always been committed to the exploration of payment security in China. It has made a lot of efforts from bank card security and all commercial banks. In the years of technical research and practical technology, UnionPay TEE terminal solution was officially proposed in 2012. Based on TEE, the solution is based on the understanding of the current market environment and the understanding of technology maturity. In-depth analysis of the needs, innovative combination of multiple, multiple TEE integration and cross-platform N3, TEE design ideas effectively solve the existing The problem of safety and openness is at the same time, the overall technology is controllable and has reached the international advanced level.
UnionPay TEE solution has obvious specificity in the following aspects. Sometimes, the technology is advanced. UnionPay TEE innovation proposes multiple TEE integration and cross-platform TEE design ideas, effectively solving the security and openness of the existing terminal operating system. problem. Second, the standardization guarantee, on the basis of the previous technical research and verification, and the official release of the technical standard of the UnionPay TEE in 2015. 3. In the aspect of testing, China UnionPay Card Testing Center carried out the UnionPay TEE testing and certification work, and the testing platform has been initially completed. Fourth, in terms of patent layout, the patent layout work for UnionPay's TEE has completed more than 40 core patents including domestic and foreign patents. The UnionPay TEE solution can be organically combined with existing payment technologies including HCE, TOKEN and FIDO, providing comprehensive security protection for multi-industry and credit applications. The payment method is more diversified, and the payment security level will be greatly improved, which is conducive to the development of financial security payment for multiple scenarios. Through the effective combination of HCE technology and UnionPay TEE, and with the help of UnionPay TEE plus and minus fingerprint and fingerprint verification capabilities, the security of HCE applications can be effectively improved, and the financial application security in the HCE scenario can be escorted.
Relying on the guidance of system engineering methodology, the TOKEN security foundation is established, and the TOKEN standardized identity authentication security framework supports the integrated system security protection system of big data cross-industry integration security technology, which creates the underlying hardware security, terminal application security, and scene security. , platform security, all-round, multi-level, three-dimensional financial security.
UnionPay will focus on building an intelligent, cloud-based mobile payment product system with high security and high user experience, and design smart cards, chips and operators based on UnionPay TEE security technology. Covering all kinds of mainstream products of cloud payment, through the series of standards such as non-contact mobile application specifications, trusted execution environment and integrated technical specifications based on cloud payment platform, the relevant partners of various industry associations are linked to jointly create an open mobile payment. The safety ecosystem will achieve a win-win situation for all-industry interaction and cooperation. By absorbing and applying new technologies and concepts to better adapt to financial innovation and other innovative business models, the need to pay for basic services, and to provide the most secure and convenient mobile payment for UnionPay cardholders.
He believes that in recent years, mobile payment has become an important driving force for financial innovation. Under the leadership of the national authorities such as the People's Bank of China, and with the efforts of all parties in the industry, China Mobile has made great progress. China UnionPay has always maintained Innovative, cooperative and win-win ideas, constantly use innovation to change China's payment environment. In the past 14 years, the domestic payment environment has been completed to complete the transformation of magnetic stripe bank cards to financial IC cards. In the mobile Internet UnionPay, we will grasp the pulse of the times and fully develop the UnionPay products, and create openness with the characteristics and advantages of intelligence, cloud and security. The mobile payment ecosystem.
Mobile payments are beginning to be the driving force behind the development of various emerging business models
The Internet has migrated to the mobile Internet. In June 2014, China’s online mobile phone usage rate exceeded the computer usage rate. As of June 2015, China’s mobile Internet users reached 594 million. With the intelligentization of mobile terminals, the mobile Internet has migrated. A foregone conclusion. The mobile Internet guided by mobile terminals is bred with huge market opportunities. Secondly, the growth of mobile commerce and the growth of various business activities to mobile terminals, mobile payment, mobile online shopping, and mobile phone bookings have grown rapidly.
Mobile payment has become the driving force for the development of various emerging business models. It is experiencing explosive growth. We have seen many innovative business models in the fields of mobile finance, mobile merchants, online and offline integrated marketing, and any financial Services, business transactions can not be separated, payment completed the transaction of various services, also formed the evolution of the mobile Internet ecosystem, payment technology, and for mobile Internet innovation, promote the development of various types of innovative services, the payment industry and other Industrial development can be based on technology, extending to value added and building an open ecosystem around payments.
The promotion of financial IC cards has laid a good foundation for the development of mobile payment. In the first half of the year, more than 2 years and 6 years, the national financial IC card has reached a total of 2.38 billion cards, and the number of POS terminals supported by UnionPay has exceeded 5.7 million. The financial smart card technology is for the development of mobile finance in the environment and users. Education has laid a good foundation. User experience has become the key to product competitiveness. The competition of mobile Internet is also the competition of user experience. User experience is an important core competitiveness of mobile payment products. As a mobile payment service provider, it needs to focus on its core services and functions. Maximize product experience and adapt to changing user needs and competitive environments in an iterative development. Fully dig into various application scenarios and enhance your value by serving users.
UnionPay moves three major ecological circles. Sometimes, the first is the implementation of the standard of the entire ecosystem. Second, it relies on the offline cooperation environment and the cooperation of all parties in the industry for many years. Third, the user experience takes into account the safety and convenience. Both field and remote card payment have the best experience.
In recent years, UnionPay has combined with the actual development of China's payment industry to create an open, cooperative and win-win mobile payment platform and system. With TE technology security technology, relying on the platform for issuing cards, and the NFC front mobile phone of the user terminal, the product forms of NFCCM, HCE and TOKEN, the security system of near-field payment is formed.
UnionPay payment standardization TOKEN is a transformative technology
Payment tokenization is also an innovative technology and an information security technology. It not only supports cloud flash payment innovation products, but also has the duality of card number, information security and protection of payment transaction security. Therefore, we think this is a transformative The technology, UnionPay is building a payment tokenization ecosystem, and is currently implementing protection for card numbers in various scenarios. At present, UnionPay mainly carries out work from the perspective of systems, products, rules and regulations. UnionPay will further promote from the perspective of the common development of scenarios, objects, services and industrial chains.
UnionPay's payment tokenization construction can be divided into four steps. The first step is to support TOKEN online in 2014. The second step is to support TOKEN across banks. The typical case is based on TOKEN's cloud flash payment and offline transaction. The third step of the line is to support the overseas demand. The fourth step is to provide remote management tools for the card issuer. Next, the UnionPay has an existing system to provide more services.
UnionPay always pays attention to the latest security payment in the world, and actively practices and guides to explore the latest mobile security standards using tokenized HCE fingerprint authentication 2.0 to continuously enhance the security of mobile internet payment products. NFC mobile payment has always faced a long-term industrial chain, but the Android 4.4 version of the host card emulates HCE mode. This technology allows non-connected terminals to allow access to NFC's mobile banking, mobile Wallet and other client payment applications. Through the research on HCE technology, UnionPay cooperated with all the cooperative banks, especially in the HCE product technology that ICBC took the lead to combine HCE technology, UnionPay payment technology and TOKEN to develop HCE products, which helped the issuing bank to implement rapid implementation and rapid development. The user's mobile payment service provides users with convenient and secure business card service and payment experience, achieving scale development. UnionPay cloud payment platform is the card lifecycle management, transaction issuance and update, client security service and other services. By issuing the UnionPay cloud payment platform, the issuing bank can reduce the cost to the minimum and accelerate the HCE cloud payment. The landing of the business.
The UnionPay cloud payment platform has the following characteristics: First, the acceptance environment is fully compatible with the existing non-connection environment, second, the account transaction risk is controllable, and the third is the open platform to take into account the needs of all parties. Fourth, users are convenient and quick to use.
The late application scenarios of HCE remote payment are widely available. Based on the HCE platform, the online payment of the online payment card can be completed through the delivery of the mobile Internet provider and the local HCE mobile phone client, thereby achieving online and offline integration, and superimposing industrial applications. , various value-added products such as Internet card applications. It can also be combined with online marketing and location targeting to achieve online marketing push, offline store consumption, online O2O closed loop.
UnionPay is committed to the safe exploration of mobile payment
With the rapid development of mobile payment terminals, mobile security issues have become increasingly prominent. In March 2015, the Internet Security Center released the 2015 China Internet (Aiji, Net Value, Information) security report, it can be seen that the Android system is potentially Security risks are shocking. These dangers come from system vulnerabilities, channels of communication and communication, and urgent need to be vigilant, and come up with effective solutions as soon as possible to solve the current security of smart terminals. UnionPay has always been committed to the exploration of payment security in China. It has made a lot of efforts from bank card security and all commercial banks. In the years of technical research and practical technology, UnionPay TEE terminal solution was officially proposed in 2012. Based on TEE, the solution is based on the understanding of the current market environment and the understanding of technology maturity. In-depth analysis of the needs, innovative combination of multiple, multiple TEE integration and cross-platform N3, TEE design ideas effectively solve the existing The problem of safety and openness is at the same time, the overall technology is controllable and has reached the international advanced level.
UnionPay TEE solution has obvious specificity in the following aspects. Sometimes, the technology is advanced. UnionPay TEE innovation proposes multiple TEE integration and cross-platform TEE design ideas, effectively solving the security and openness of the existing terminal operating system. problem. Second, the standardization guarantee, on the basis of the previous technical research and verification, and the official release of the technical standard of the UnionPay TEE in 2015. 3. In the aspect of testing, China UnionPay Card Testing Center carried out the UnionPay TEE testing and certification work, and the testing platform has been initially completed. Fourth, in terms of patent layout, the patent layout work for UnionPay's TEE has completed more than 40 core patents including domestic and foreign patents. The UnionPay TEE solution can be organically combined with existing payment technologies including HCE, TOKEN and FIDO, providing comprehensive security protection for multi-industry and credit applications. The payment method is more diversified, and the payment security level will be greatly improved, which is conducive to the development of financial security payment for multiple scenarios. Through the effective combination of HCE technology and UnionPay TEE, and with the help of UnionPay TEE plus and minus fingerprint and fingerprint verification capabilities, the security of HCE applications can be effectively improved, and the financial application security in the HCE scenario can be escorted.
Relying on the guidance of system engineering methodology, the TOKEN security foundation is established, and the TOKEN standardized identity authentication security framework supports the integrated system security protection system of big data cross-industry integration security technology, which creates the underlying hardware security, terminal application security, and scene security. , platform security, all-round, multi-level, three-dimensional financial security.
UnionPay will focus on building an intelligent, cloud-based mobile payment product system with high security and high user experience, and design smart cards, chips and operators based on UnionPay TEE security technology. Covering all kinds of mainstream products of cloud payment, through the series of standards such as non-contact mobile application specifications, trusted execution environment and integrated technical specifications based on cloud payment platform, the relevant partners of various industry associations are linked to jointly create an open mobile payment. The safety ecosystem will achieve a win-win situation for all-industry interaction and cooperation. By absorbing and applying new technologies and concepts to better adapt to financial innovation and other innovative business models, the need to pay for basic services, and to provide the most secure and convenient mobile payment for UnionPay cardholders.
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