Chongqing Daily
A few days ago, " Alipay has supported transfer of money to WeChat QQ friends" topic has been on the hot search for Weibo .
The reporter found that the Alipay App has supported transfers to WeChat friends, but it is not a "mutual scan and mutual recognition" connection. This function is more like an Alipay product innovation, aiming to improve user experience. Alipay customer service said, "The 'transfer-to-WeChat Friend' function in Alipay is a regular function launched in response to the needs of some users."
is still in the stage of further improvement
At present, the word "transfer to WeChat Friend" has been added to the Alipay App transfer page. The reporter found that the specific process of use is divided into three steps: transfer amount, sharing with the other party, and scanning the code to collect. After clicking, enter the corresponding amount, a QR code will be generated. You can share the QR code with the other party through WeChat, QQ, Weibo, Dingding and other channels. The recipient will collect it through Alipay and will automatically return it if it has not been collected for more than 24 hours. A single transaction can be transferred up to 2,000 yuan.
"This function is still in the stage of collecting feedback from all parties and further improving it." reporter learned from insiders that this function is not newly launched, and users have already experienced it in mid-September. Judging from user feedback on the public platform, some users still cannot use this function in Alipay accounts.
The reporter noticed that in fact, the principle of this function is similar to the red envelope code and the previous Alipay Five Fortune Card password, and is not the "interconnection" action of scanning and recognizing offline QR codes between the two parties.
Moreover, payment institutions cannot directly transfer accounts between . According to the requirements of the " Management Measures for Payment Services of Non-Financial Institutions, the transfer of monetary funds between payment institutions shall be entrusted to banking financial institutions, and shall not be handled through the form of depositing monetary funds between payment institutions or entrustment of other payment institutions.
senior analyst of Broadcom Consulting financial industry told reporters, "According to the existing regulatory requirements, payment institutions cannot directly transfer accounts without going through banks and clearing institutions. The above function is not a payment interconnection action, but Alipay hopes to achieve a larger scope of scenario radiation through product innovation and improve user experience. From the perspective of convenience, after opening Alipay, there is no need for the initiator to operate transfers again. More value is to meet users' convenient needs for transfers."
transmits a benign interactive signal
In fact, compared with the above function, the industry has always been concerned about the offline QR codes of WeChat Pay and Alipay that can scan and recognize each other, thereby realizing "interconnection".
Since 2021, Alipay and WeChat Pay have been "going in both directions" and helping to "demolite" through UnionPay Cloud Flash Payment . For example, Alipay has opened up online scenarios to UnionPay Cloud Flash Payment. The first batch of Taobao merchants have achieved coverage of 85% of Taobao merchants, and offline and UnionPay Cloud Flash Payment have achieved mutual recognition of receipt codes and codes in multiple cities; WeChat Pay is also promoting deeper interconnection with UnionPay Cloud Flash Payment in both payment and service levels. More than 10 models including Tencent Video , WeChat Reading , King of Honor, etc., including more than 10 Tencent series apps, support cloud flash payment, etc.
At present, Ali , Ele.me , Youku, Damai, Koala Haigou, Shuqi and other applications have been connected to WeChat Pay. In March this year, it was reported that Taobao is launching internal testing of WeChat payment function on a small scale, but both parties have not responded publicly to the matter.
From the regulatory perspective, since 2021, the relevant departments have gradually increased their supervision of malicious bans between Internet platforms. In July 2021, the Ministry of Industry and Information Technology launched a special rectification campaign for the Internet industry, focusing on rectifying problems such as malicious blocking of URL links and interfering with the operation of other companies' products or services, including restricting the normal access of other URL links without legitimate reasons and implementing discriminatory blocking measures. Subsequently, the interconnection of Internet giants in application fields such as payment has been significantly accelerated.For example, applications such as Tencent WeChat and Alibaba Taobao have successively opened up barcode payment links to the Cloud Flash Payment App under UnionPay ; Meituan , Pinduoduo , etc. are all fully open to mainstream payment tools; WeChat has opened external link access in point-to-point chat scenarios, etc.
"In the interconnection between Alibaba and Tencent, the realization of interconnection between Alipay and WeChat payment is the most concerned by the outside world. At present, although the progress is slow, it is still being promoted. Although the launch of the 'Transfer WeChat Friends' function of Alipay this time is not a practical payment interconnection, it has sent a benign signal." Yu Baicheng, director of Zero One Research Institute, told reporters.
, senior analyst of the financial industry of iResearch Analysis, suggested that taking digital RMB as an opportunity to enter the "scan" and drive the integration of payment resources may promote payment interconnection. "Payment interoperability mainly involves the following issues: First, the interoperability at the technical level, integrates the QR codes of different payment tools ; second, the interoperability at the information management level, includes but is not limited to how to share user real-name information, account information, mobile phone number information, etc. under the compliance framework; Third, security risk prevention, cross payment platforms transfer transactions involving anti-money laundering and other compliance work; Fourth, how to achieve interest coordination among different platforms, etc. " Su Xiaorui said.
Source: Securities Daily
