光大银行发力移动支付 手机银行卡合二为一

　　光大银行发力移动支付 手机银行卡合二为一

　　不必刷银行卡，只需在收银终端前刷手机，就能进行支付——这是光大银行相关负责人向客户描绘的移动金融服务的支付场景。伴随移动互联网技术的逐步成熟和移动电子商务市场的迅速成长，移动支付正逐步摆脱各种束缚，从梦想照进现实——光大银行与中国银联共同推出基于NFC(Near Field Communication)通讯协议的移动支付业务成功完成了联调，将银行卡加载在内置安全芯片的智能手机上，实现手机与银行卡“合二为一”。

　　几年前，以二维码支付和手机近场支付为代表的新型线下支付方式几乎同时开始投入研发，但当二维码支付在中国迅速进入商用并逐步完善成熟之时，更为便捷的手机近场支付却因受诸多因素影响还未能实现大规模推广和商用。如今，光大移动支付业务投入商用已正式进入倒计时阶段，说明光大银行通过凝聚产业链合力，已成功打通移动支付的“最后一公里”。

　　艰难的“最后一公里”

　　最新数据显示，光大银行手机银行业务相比上一年实现了200%以上的增长。在不少业内人士看来，此前移动支付的“最后一公里”之所以难以打通，关键就在于移动支付产业链相关各方之间的竞争多于合作，导致各方在运作时存在各自为政或衔接不畅等问题，这些问题使得移动支付产业链不能形成合力，从而导致移动支付业务发展举步维艰。

　　光大电子银行相关负责人表示，移动支付产业构成的链条长、行业跨度大，既有银行等支付服务商、通信运营商、手机生产商，还有成千上万的商家，各方之间的合作必须是一种双赢或多赢的发展模式。唯有如此，方能形成1+1>2的合力，实现市场和产业的完美对接。

　　作为移动支付产业链的关键一环，中国银联相关负责人也表示，银联会进一步加强与产业链各方的沟通与合作，共同推动移动支付产业驶入健康发展的快车道。基于此认知，早在去年8月，光大与中国银联在北京签署移动金融战略合作协议，双方约定在移动支付、安全支付控件、移动商圈、智能卡等领域开展深度合作，为客户提供更为便捷的移动金融服务。

　　据悉，光大银行还相继与中国移动、中国联通、中国电信等运营商携手合作。此次光大移动支付业务成功联调，离不开中国移动的全力支持和配合。另据透露，光大与三大运营商合作推出的光大银行移动支付业务也将于4月陆续上线。

　　光大电子银行部相关负责人表示，要想让客户乐于使用移动支付业务，还需要有覆盖面广的移动支付近场受理商户。据透露，光大移动支付业务合作商户覆盖全国各地，将涵盖商业零售、公共交通、加油站、付费电视、餐饮、影院、医院、学校等不同领域，让客户实现随时、随地、随心的支付服务。

　　多家银行官方授权申请渠道不泄密、审核快、服务全!欢迎访问我爱卡网信用卡在线快速申请通道：//cc.51credit.com/

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.

Many Banks official authorization application channels do not leak, quick review, to serve the entire! Welcome to visit my 51 network credit card on-line application channel: //cc.51credit.com/

ChinaBondage