"Easy Payment" can be done in one machine

Have you ever thought that a single phone line can help you complete various payment and transfer payments in your work unit, community or even at home? With the further promotion of "Easy Payment", it will not be long before ordinary citizens can install a "three-in-one" smart phone with an ATM machine, a POS machine and an ordinary telephone at home.

It looks like an ordinary phone, but it is a magical POS machine. Using it, you can pay bills such as water and electricity, and you can also repay your credit card through inter-bank transfer. You can even recharge your mobile phone and order air tickets. The "Pay Easy" smart payment phone makes the tedious daily life easier. Money management has become incredibly easy.

Following its debut in Beijing, Hunan and other places, "Easy Pay" was jointly recommended to Shanghai customers by China Merchants Bank Credit Card Center and Shanghai Card Friends Information Service Co., Ltd., a subsidiary of China UnionPay. It is reported that more than 10,000 smart phones have begun to settle in Shanghai's homes and office buildings, and the news from Kayou Company said that the cooperation agreement between China UnionPay and China Telecom has been officially signed. It will not take long for this smart phone with many additional functions. The telephone will really enter thousands of households.

One phone can perform multiple functions

The reporter saw at the China Merchants Bank Credit Card Center that the appearance of this smart phone is the same as that of an ordinary phone with caller ID function, but the right side is more There is a card slot for swiping a card, and an IC card slot is added in the lower part. But in fact, in addition to the functions of ordinary telephones, it is a combination of ATM and POS machines, which can complete functions such as self-service banking, bill payment, and payment.

No need to pick up the phone, just press the key directly on the keyboard. The reporter enters the main menu by pressing the "Confirm" button, and the caller screen displays multiple functions such as self-service banking, bill payment, and credit card repayment. By moving the up and down buttons, the reporter selects the bill payment function and enters the telecommunication bill number. After the confirmation, the reporter was prompted to swipe the card, and the reporter easily completed the whole process of this telecom payment with the China Merchants Bank card at hand.

As for the payment function, "Easy Payment" will directly connect you to the relevant service hotline and confirm the transaction through the manual service of the telephone. If you order a ticket, just select "Business Travel and Ordering Service - Air Ticket Booking", press the "Confirm" button, and the manual service hotline will be connected for you, and the customer service specialist will confirm the booking information with you. After you hang up, the system sends the bill to your smart payment phone. After you have read and confirmed that the billing information is correct, press the "Pay" button and swipe the payment bank card (including all UnionPay-identified bank cards) to complete the payment of the ticket. The customer service specialist will inform you of flight information and payment success information via SMS.

If you pay by smart payment phone, you will be confirmed on the spot whether the payment is successful. If you do a repayment transaction, once the interface shows that the transaction is successful, the credit limit will be restored immediately, and the money will generally arrive in the account two days later. However, due to platform reasons, at present, "Easy Payment" can only repay the credit card of China Merchants Bank.

The security performance is similar to POS machines

Since many businesses of the "Easy Payment" project are implemented through the UnionPay platform, cardholders need to pay a certain handling fee according to UnionPay's standards. For example, the fee for inter-bank transfer is basically the same as the fee for ATM inter-bank transfer, and each fee is 2 yuan.

A phone that can be used by everyone in an organization can protect the cardholder's security? The relevant person in charge of the China Merchants Bank Credit Card Center said that the phone number is the only associated object of "Easy Payment", and the phone is based on the real-name system, that is to say, any transactions made on this terminal are well documented; and" The "Pay Easy" smart phone has passed the certification of China UnionPay. All personal information is encrypted and transmitted in the transaction, and the information transmission is limited to the dedicated network, so the payment security is also reliably guaranteed.

However, the reporter found in the experience interview that because the smart phone also has the function of ordinary phone, the transaction will be interrupted by incoming calls from time to time, and the transaction will be canceled many times. As a result, will there be transaction disputes? Liang Jian explained that the "Pay Easy" smart phone technically guarantees the priority of the transaction, that is to say, at the moment of the transaction, there will be three to five seconds, and the phone will give priority to the transaction. The middle display is a busy tone, so as to ensure the smooth completion of the transaction.

The service area still needs to be expanded

However, the main functions of "Easy Payment" are still limited to payment and transfer services, and services including ticketing, website payment, etc. Very little development. The reporter selected the two functions of air ticket reservation and train ticket purchase on the "Easy Pay" smartphone respectively, but they were both received by the same ticket company, and the cardholder did not have more choices. And other expenditures for entertainment expenses, including movie tickets, etc., as well as expenditures for website transaction items, have not been opened for the time being.

Among the 10,000 smart terminals that have been launched in Shanghai, most of them are platinum card customers of the China Merchants Bank Credit Card Center, which was an exclusive offer for super VIPs at the beginning of the launch. However, in April of this year, a joint action of China Merchants Bank Credit Card Center and Shanghai Kayou Information Service Co., Ltd. is to widely promote "Pay Easy" to urban white-collar workers. The current channels are mainly concentrated in high-quality enterprises, such as medium and high-end office buildings. enterprises, foreign-funded enterprises, large and medium-sized enterprises, government agencies, etc. Of course, the ultimate target customers of "Easy Pay" are ordinary "every households".

Liang Jian, general manager of Kayou Company, told reporters that the cooperation agreement between China UnionPay and China Telecom has been signed, and the specific pilot site is being discussed. into an ordinary family. "After all, it is very tempting for customers to get so many additional functions while getting a phone." Liang Jian said, as for the price of "Easy Pay" smart phones, the initial price may be seven or eight hundred Yuan, but as the market expands, the scale effect appears, and the price will gradually decline.

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Where is "Easy Payment" mainly installed?

"Easy Payment" is currently mainly used in enterprises, foreign-funded enterprises, large and medium-sized enterprises, government agencies, etc. in medium and high-end office buildings. It is installed by China Merchants Bank Credit Card Center for free.

What are the main functions of "Easy Payment"?

It acts as a hybrid of POS and ATM. Customers can use it to realize credit card repayment, bank card transfer and inquiry, booking air tickets, train tickets and hotels, etc., and can also recharge mobile phones and repay China Merchants Bank credit cards.

All credit cards with UnionPay logo can be used for balance inquiry and payment on the smart payment phone of "Easy Pay", but only banks participating in ATM inter-bank transfer can conduct inter-bank transfer through "Easy Pay". In addition to the one-card card of China Merchants Bank, there are also debit cards of nine banks including Minsheng, CITIC, Industrial, Guangfa, Shenzhen Development, Shanghai Pudong Development, Rural Credit Union, Huaxia, and Everbright.

Is there any requirement for the installation line of the "Easy Payment" smart payment phone?

It must be a non-numeric direct line phone line, preferably with caller ID function, and the phone numbers for outgoing and incoming calls must be the same and fixed. If you use a phone line without Caller ID, you cannot automatically receive subscription bills and automatic upgrades. For inquiries, please call the 24-hour Easy Payment Service Center at 4006701999.

Can the "Easy Pay" smart payment phone be used as a normal phone?

The smart payment phone can be used as a normal phone regardless of whether it is connected to a power source or not. To make inquiry, repayment, and payment, you don't need to pick up the phone, just press the key directly on the keyboard. If you use a phone line without Caller ID, you cannot automatically receive subscription bills and automatic upgrades.