In September this year, Yuanyang Grassland in Zherong County, Ningde City, Fujian Province built a "Poetry Great Wall" that stretched 1,000 meters, and Lele tea from all over the country also replaced it with brand new "Poetry Cup Set" and "Poetry Handbag".
"When she was grazing sheep, I stood in the field and grew like grass."
"Did you light a match in the sea to accompany me?"
"I want to climb up the moon, pick a star, and send me home."
On the white curtain "city wall", on the colorful cup covers and paper bags, the little poets from the deep mountains use emotions as bricks and rhyme as mud, writing poems full of desire and hope.
This is a new form of the poetry POS machine charity activity initiated by China UnionPay . Since 2019, China UnionPay has put the poems of children in the mountains into the POS machine, allowing children's talents to go out of the mountains. Use the Cloud Flash Payment APP to scan the QR code in the poetry POS machine. Donate 1 yuan at a time. The donor will receive a POS list with the poetry works printed.
4 years, people from all over the country have given their love to children in the mountains through this charity activity. A drop of kindness converges into a vibrant stream, and nearly 5,000 children from Sichuan, Xinjiang, Yunnan, Henan, Anhui and other places entered the artistic literacy classroom through "Poetry Gifts".
A small poetry POS machine is one of the footnotes for those who have worked hard for ten years on the road to payment. UnionPay payment is for the people and is a footnote for those who are inclusive and "pay".
Golden Phoenix in the Mountains
Poetry POS racks up poetry and distant places, and the "Rural Revitalization Card" introduces the Golden Phoenix in the Mountains to the market.
文1文国大官网 is a vegetable town in China. There are many new business entities such as agricultural enterprises, agricultural production cooperatives, and agricultural producers, and agricultural business activities are frequently carried out. In response to the needs of various agricultural operators in agricultural loans, settlement, payment, and agricultural input purchase, UnionPay has jointly issued rural revitalization cards to them with many commercial banks and designed cooperative service platforms to achieve convenient payment, digital transactions, convenient management, and standardized agricultural input investment.
The "Rural Revitalization Card" has also moved towards the tea towns in Fujian and the wolfberry gardens in Ningxia. In Fujian, facing the dilemma of influx of non-local tea green , affecting the quality and brand image of Fuding White Tea , UnionPay and Fujian Rural Credit jointly released the "Rural Revitalization•Youth Card" and jointly with Fuding Rural Credit Cooperatives and China UnionPay also jointly built the Fuding White Tea Big Data Traceability Platform, from listening to tea farmers to listening to big data "say", linking "information + credit + credit" to establish the " white tea credit production area". In Ningxia, through the "electronic scale + intelligent POS terminal + identity code", UnionPay production and sales platform helps field administrators to shorten the weighing and settlement time from an average of 45 seconds per time to 18 seconds, and the speed up per time is nearly 60%. The loss rate of wolfberry fresh fruit caused by the long weighing queue time is reduced by 3%-5%.
As of now, the number of "Rural Revitalization Card" issued banks has exceeded 230 banks, with a total of more than 53 million cards issued. The "last mile" of agricultural services is constantly and continuously shortened through the dedicated efforts of the payment industry represented by UnionPay.
Fireworks on the street
Small and micro-living, employment is prosperous, and the economy is prosperous. Over the past ten years, the national economy has developed rapidly, and the small and micro economy, as an organic part, has shown vigorous vitality and vitality. Finance serves the real economy, and payment helps the high-quality development of the economy and society. UnionPay's figure shuttles through the fireworks on the streets and alleys.
In early March 2022, Jilin City was blocked due to special reasons. As the store manager of Yiwang Supermarket, Li Hang stayed behind the store for two months and delivered supplies to more than 10,000 residents in the community.
While Li Hang protects residents, UnionPay’s “Room Plan” is also protecting small and micro enterprises like Ruyiwang Supermarket.
In view of the high proportion of small and high-frequency transactions in this type of enterprise and merchant, UnionPay calls on and advocates collection agencies to implement special incentives for UnionPay QR code transactions within 500 yuan to effectively reduce the operating costs of merchants. Over the past year, more than 7.5 million merchants have registered for the "Bohuo Plan", covering 31 provinces and cities across the country. Among them, retail and catering merchants that have been severely affected by special periods account for more than 90%, and the merchant transaction scale has increased by more than 120%.
In addition, starting from September 30, 2021, UnionPay will jointly implement bank card swiping fee discounts, and implement UnionPay fee reductions and exemptions for cross-bank transfer and remittance transactions in small and micro enterprise cards and unit settlement cards. The above preferential measures will be implemented for three years.
The supply side reduces costs and increases efficiency, bringing a recovery on the consumer side.
Since this year, relying on a wide range of merchant acceptance networks and Cloud Flash Payment APP platform, UnionPay actively supports Guangzhou, Shenzhen, Tianjin, Ningbo , Chengdu, Fuzhou, Xiamen , Jinan, Qingdao and other places to implement hundreds of government consumption coupons for issuing projects, covering various livelihood consumption fields such as catering, department stores, entertainment and tourism, clothing, digital home appliances, home furnishings, automobiles, etc.
Cultural and tourism consumption also warms up. In March 2022, China UnionPay and the cultural and tourism departments jointly launched the "Hundred Cities and Hundred Districts" cultural and tourism assistance and benefit enterprises and the people, focusing on covering tourism and cultural consumption scenarios such as scenic spots, paradises, hotels, books, etc., and promoting the recovery of cultural and tourism consumption. At present, the first batch of 9 places including Xi'an, Yinchuan, Guiyang, Changsha, Qingdao, Ningbo, Foshan , Baoji , Lijiang, etc. have been launched.
Visible guardian
At the beginning of each year, the "Mobile Payment Security Survey Research Report" will be found in major media outlets. By tracking and investigating the payment security behavior of consumers across the country, it provides targeted risk prevention suggestions for the public, and it is recommended that industrial institutions adapt to changes in consumer demand and upgrade payment security measures. This research has been going on for more than ten years.
In the past ten years, mobile payment has made rapid progress, and the "hot trend" has brought about "cold thinking" on payment security and risk prevention.
protects personal information and puts forward practical and feasible prevention suggestions. Every year, UnionPay’s risk control experts will make practical and feasible safe payment prevention suggestions to consumers through research reports, media interviews, etc. At the same time, we will carry out publicity activities with the theme of "anti-fraud, reject gambling, safe payment", hold online knowledge competitions in colleges and universities, improve consumers' risk prevention capabilities in various educational and entertaining ways, and build a safe "net" that is always in the minds of consumers.
Prevent and control payments involving gambling and fraud, and build a solid line of defense against account risks. In 2012, UnionPay's second-generation risk management system was basically completed, and it took the lead in realizing quasi-real-time monitoring of all channels and products, which can effectively monitor all kinds of risks such as counterfeit card fraud, cash out, and money laundering. Since 2017, in line with new changes in the risk situation and the trend of digital transformation of industrial , the construction of an integrated intelligent risk control system has been put on the agenda. The new generation of intelligent risk control system has iterated and upgraded risk subsystems such as fraud transaction prevention and control, gambling-related transaction analysis, measurement and scoring, anti-money laundering detection, marketing risk control, and overseas risk management, so as to achieve real-time decision-making response time less than 50 milliseconds and real-time risk score response time less than 30 milliseconds.
For many years, UnionPay's Internet fraud rate has continued to be at a global low level. In 2021, UnionPay's Internet fraud rate was only 0.32BP (32 parts per million).
The ten years of development of the payment industry have been a decade of inclusive finance like capillaries, planting deep in fields, new streets and old alleys. Always adhere to the original intention of "payment for the people". The payment industry represented by UnionPay will continue to seek and work hard, and write a new chapter that facilitates the people, benefits enterprises and helps businesses.
