Thumb payment aggregation payment system, "Xuanyuan Baojian" for small and medium-sized merchants

The popularity of smartphones enables people to more easily and quickly complete consumption, transactions and payment behaviors through mobile internet technology. The issuance of 4G licenses has further promoted the development of mobile payment platforms, making the third-party mobile payment market contend and thriving.

The fundamental reason why mobile payment has become a universal payment method in a few years is that it meets the consumption and payment needs of Chinese consumers. According to incomplete statistics, the scale of China's third-party mobile payment transactions reached 6,201.13 billion yuan in 2016, a year-on-year growth rate of 202.6%. Mobile payment has become one of the mainstream payment models in the consumer market, bringing changes to people's lives.

The expanding scale of the mobile payment market has caused the number of mobile payment platforms to blow up. In addition to the third-party payment platforms represented by Alipay and Tenpay, the most attractive payment platforms are the most eye-catching payment payments. platform.

The thumb payment platform is essentially different from third-party payment platforms such as Alipay and Tenpay. Thumb payment is an aggregation payment platform that relies on the development and development of the third-party payment industry. It is on the mature third-party payment platform service. The expansion is between third-party payment and merchants. It integrates various payment tools such as third-party payment platforms, cooperative banks, cooperative telecom operators and other service provider interfaces.

Compared with third-party payment platforms such as Alipay and Tenpay, thumb payment does not carry out fund clearing, but can be customized according to the needs of merchants, forming complementary resources, neutrality, flexibility and convenience. The emergence of aggregation platforms such as thumb payment has solved the obstacles to the use of mobile phone market products to consumers, and has improved the docking efficiency of mobile payment for merchants and consumers.

For example, a merchant who does not use the thumb to pay, and wants to provide customers with a variety of payment services, merchants need to go to various payment companies to apply for an account, not only a small cashier is full of credit card POS machines, scan code card and various sweeps Code equipment, also need to find technology companies to achieve product realization, reconciliation to various platforms, the program is cumbersome. When customers request mobile payment, they need to select different devices to collect money according to the user's payment platform requirements. After using cloud payment, merchants can abandon these devices and platforms to achieve one-click docking payment. Not only is the choice of customer payment methods more flexible, but also greatly improves the service quality and efficiency of the merchants.

Thumb Payments is a software system service provider with core independent R&D technology and a leader in the emerging mobile payment software industry in China. Thumb Payment is committed to providing high-quality payment system platform solutions and leading domestic electronic trading system platform solutions for the modern service industry. It can provide more professional solutions and services in the field of pan-finance, such as Internet finance industry and third-party payment industry. consultation service.

In 2016, Thumb Payments focused on creating a “thumb payment payment payment system”. The thumb payment aggregation system integrates the mainstream payment method of the market to carry out one-card cardless payment, and binds the merchant or individual bank card as the receiving card, providing the service of scanning and receiving the goods for merchants and individual users, and easily realizes the smart phone + APP. Carry out payment, and real-time transaction real-time processing, real-time account, real-time transaction details and distribution.

As a new generation of card-free payment, the thumb payment aggregation payment system is bundled with banks through the UnionPay payment channel, WeChat wallet, Alipay wallet, Baidu wallet, Jingdong wallet, etc. to achieve data security settlement, third-party fund deposit, and fund security. 365 days of funds arrived in real time, effectively protecting the cash flow of merchants.

The thumb payment aggregation payment system is a kind of convenient payment and reconciliation demand for various payment channels of various types of merchants, and integrates various payment channels in the market, such as Alipay, WeChat, UnionPay, Jingdong, and supports various terminals, such as PC. The unified payment products of the terminal, mobile terminal, intelligent terminal, POS machine, etc., not only that, no matter which payment channel the merchant uses, as long as the access is aggregated, the aggregate payment statement and data statistics can be used to realize the collection and settlement. The data statistics are comprehensively aggregated to solve the drawbacks of repeated reconciliations by merchants in different channels and independent statistics.

The real economy is the backbone of socialist economic construction and development. As a national enterprise, Thumb Payment Company is committed to serving the real economy and serving small and medium-sized businesses. The thumb payment aggregation payment system developed by the company is targeted at the demand for refined services in the mobile payment market. The financial value-added of shopping malls and small and medium-sized merchants is the long-term goal, providing Internet financial services to small and micro merchants and individual investors. Focusing on improving the user experience and gaining insight into the consumer demand of the mobile payment industry is tantamount to bringing opportunities for thousands of individual entrepreneurs and small and medium-sized businesses to develop with the times.