Alipay
Third-party payment platform
This entry is a polysemous word with two meanings.
Alipay (China) Network Technology Co., Ltd. [1] is a domestic third-party payment platform, which is committed to providing "simple, safe and fast" payment solutions [2][2]. Since its establishment in 2004, Alipay has always regarded "trust" as the core of its products and services. It owns two independent brands, Alipay and Alipay Wallet. Since the second quarter of 20 14, it has become the largest mobile payment manufacturer in the world.
Alipay has established strategic cooperative relations with more than 80 banks at home and abroad, as well as institutions such as VISA and MasterCard, and has become the most trusted partner of financial institutions in the field of electronic payment.
In February 2020, Bank of Nepal issued a license to Alipay. [3]
In July, 2020, Alipay and Ai Ou Science and Technology were selected into the list of excellent programs of blockchain war "Epidemic". [4]
Chinese name
Alipay
Foreign name
Alipay
type
Third-party payment platform
mode of payment
Electronic payment and mobile payment
Founding time
65438+February 8, 2004
quick
navigate by water/air
Company size, corporate culture, company honor software introduction main functions, products, services, service fees, new services, payment, classification, product evaluation diary, negative events.
Development history
In June 2003 10, Taobao launched Alipay service for the first time.
***4 sheets
Alipay knows how to trust.
In 2004, Alipay separated from Taobao, and gradually provided payment services to more partners, and developed into the largest third-party payment platform in China.
On February 8, 2004, 65438, Zhejiang Alipay Network Technology Co., Ltd. was established.
On February 2, 2005, Alipay launched the "full payment" and promised that "you dare to use it, I dare to pay".
On February 27th, 2008, Alipay released the mobile e-commerce strategy and launched the mobile payment service.
On June 25, 2008, 10, Alipay enterprise payment was officially launched, supporting the payment of water, electricity and coal communication.
On 20 10 12.23, Alipay cooperated with Bank of China for the first time to launch fast credit card payment.
20 1 1 On May 26th, Alipay obtained the first domestic payment business license (also called "payment license" in the industry).
June 20 13, Alipay launched the value-added service of "Yuebao" for account balance. Through Yu 'ebao, users can not only get higher income, but also pay and transfer money at any time without any handling fee.
20 13 1 65438+1 0 month13, the number of Alipay mobile payment users exceeded1billion, and the number of Alipay wallet users reached1billion. Alipay wallet officially announced to become an independent brand.
2013165438+1October 30th, 12306 website supports AliPay to buy train tickets.
20 13 12 3 1, Alipay has more than 300 million registered users.
In 20 13, Alipay completed more than 2.78 billion mobile payments, amounting to more than 900 billion yuan, making it the largest mobile payment company in the world.
According to the data from iResearch, since the first quarter of 20 13, Alipay's market share in mobile Internet payment has gradually increased from 67.6% to 78.4%, ranking first.
By the end of 20 13, the number of Alipay real-name authentication users exceeded 300 million. In 20 13 years, the single-day transaction peak of AliPay reached 654.38+88 million. Among them, the peak number of daily transactions of mobile payment reached 4510.8 million, and the peak number of daily transactions of mobile payment reached1.10.30 billion yuan.
20 14 On February 28th, the number of users of Yu 'ebao exceeded 8 1 10,000.
On March 20th, 20 14, Alipay made more than 25 million mobile payments every day.
20 15 AliPay wallet version 8.5 added the "My Friends" label under the "Exploration" secondary page of the wallet. After entering the transfer interface, you can send text, voice, pictures and other information directly with the other party. [7]
On May 27th, 20 15, Alipay failed. Response: Hangzhou optical fiber was cut off [8].
On July 8, 20 15, Alipay released the latest version 9.0, adding two first-class portals, namely "merchants" and "friends", which replaced "service window" and "exploration" respectively, thus cutting into offline life services and social fields. In addition, a series of functions, such as family account, IOU and group account, have been added.
From September 25th, 20 15, Alipay will cooperate with McDonald's in big data, and McDonald's in Shanghai will be able to pay with Alipay, which will be further promoted to stores all over the country. [9]
On 20 16 1 12, Ant Financial released the annual bill of Alipay for 20 15. The bill shows that the 20 15 internet economy continues to maintain rapid growth. 20 15, mobile payment accounts for 65% of the total, while 20 14, this figure is 49.3%. [ 10]
20 16 On May 20th, Samsung Mobile Payment Service Samsung Pay and Alipay officially announced their cooperation. Users can quickly bring up Alipay's payment interface by sliding the screen up on Samsung's mobile phone. [ 1 1]
2065438+On May 3, 20061day, Alipay and Shenzhen Human Resources and Social Security Bureau jointly launched the mobile payment platform for medical insurance, and started trial operation in six hospitals in Shenzhen [12].
20 16 August, Alipay and WeChat obtained the first payment licenses in Hong Kong, intending to compete for new markets [13].
On September 20 16, it was announced that from June 2065438+0610/2, Alipay would charge 0. 1% service fee for individual users who exceeded the free withdrawal limit, and each individual user would enjoy a basic free withdrawal limit of 20,000 yuan.
20 1165438+1October1,Alipay moved into Apple App Store. Users in Chinese mainland can already see the payment method and recharge of Alipay participating in the App Store, which can be used to purchase applications, recharge accounts, or pay for subscription services such as Apple Music. [ 14]
2016165438+1On the afternoon of October 27th, following the "high-end single dating circle", Alipay launched "white-collar diary" and "campus diary" on a small scale. This function is still in the gray scale test stage.
2016165438+129 October, Peng Lei, Chairman of Ant Financial, Alipay's parent company, issued an internal letter apologizing and posted it on the intranet: Never blame others for what you did wrong! [ 15]
On February 6th, 65438 Alipay announced that it had signed cooperation agreements with four European financial service institutions to provide services to China consumers who travel overseas. This move is expected to expand the number of cooperative retail stores of Alipay abroad by nearly nine times. [ 16]
20 16 16 On February 23rd, Alipay launched the Alipay 10.0 version, which brought the gameplay of Alipay AR real-life Alipay red envelopes. [ 17]
On 20 17 1.3, AliPay launched a public welfare account, so that every ordinary user's public welfare footprint and love "assets" can be recorded and inquired. [ 18]
20 17 1.5, AliPay launched 20 16 personal annual bill. [ 19]
20 17 On May 24th, Alipay announced the launch of the Hong Kong version of its e-wallet, Alipay HK, which officially provided cashless services for Hong Kong residents. After the launch of the Hong Kong version of Alipay, all Hong Kong residents can use Alipay by binding the credit cards of local banks in Hong Kong or recharging the balance, and pay directly in Hong Kong dollars.
This is the first time Alipay has released an App version outside the mainland. Alipay first started serving the Hong Kong market in 2007. Last August, the Hong Kong Monetary Authority issued a third-party payment license, and Alipay Hong Kong Company became the first payment license winner, which can provide digital financial services for local users. After half a year's preparation, the Hong Kong version of Alipay was finally launched.
Functionally, the Hong Kong version of Alipay provides three services: code scanning payment, merchant discount and stamp collecting. The experience of scanning code payment is exactly the same as that of mainland China. Just open the payment code and let the merchant scan it to complete the payment.
The Hong Kong version of Alipay will gradually open functions such as charging phone bills, paying water, electricity and coal, transferring money, taking taxis and insurance. So that Hong Kong people's "cashless" life can be in line with the mainland. [20]
2065438+In June 2007, Monaco and Alipay signed a strategic cooperation agreement (MOU), and merchants will access Alipay. This is the first time that Ant Financial has signed a strategic cooperation agreement with a sovereign government, becoming the first 12 European country to access Alipay. [2 1]
20 17 10 10, AliPay announced the launch of a credit rental platform, taking the lead in promoting credit rental in eight cities including Shanghai, Beijing, Shenzhen, Hangzhou, Nanjing, Chengdu, Xi and Zhengzhou. More than/kloc-0.0 million apartments will be officially settled in Alipay. With a sesame credit score of over 650, you can rent an apartment through Alipay APP, and you can pay the rent on a monthly basis without a deposit. [22]
2065438+0710130 October, the first batch of taxis connected to Alipay, with the slogan "Alipay is also used in Hong Kong" on their bodies, started to operate from the Hong Kong Stadium. [23]
On 20 18 65438+ 10/5, some high-speed toll stations in Zhengzhou, Henan Province launched the Alipay -ICT credit payment (license plate payment) function. Car owners can bind their license plates to Alipay and deduct money directly from Alipay when passing through ETC toll stations. [24]
2018 65438+1October 25th, Alipay announced its entry into Israel, and officially brought its mobile payment service to the Middle East to provide convenience for China tourists. [25]
2018 65438+1October 26th, Alipay and Swiss partner SIX Payment Services jointly announced that the Swiss town of Davos was fully connected to Alipay. [26]
On March 4th, 20 18, the State Administration for Industry and Commerce announced that the second phase of the national 123 15 Internet platform was officially launched. This upgrade, 123 15 official applet "landed" on Alipay for the first time, and consumers can report complaints 24 hours a day, which is expected to complete the dispute resolution online [27].
From April 1 day, 2065438, Alipay will pay by static bar code, with a daily limit of 500 yuan. [28]
20 18,18 On April 7th, the "Online Function Certificate of Resident Identity Card" certified by the Trusted Identity Authentication Platform (CTID) of the First Research Institute of the Ministry of Public Security made its debut in Alipay, and it was officially piloted in several scenes in Quzhou, Hangzhou and Fuzhou. [29]
2065438+On May, 2008 1 1, Netlink and Alipay announced the signing of a cooperation agreement, and formally started the business cooperation of barcode payment. Alipay said that as an important partner of Alipay's barcode acquiring business, Netlink has completed system docking, joint debugging and production verification, and all preparations are ready. From now on, we will provide testing and access services for the acquiring institutions. [30]
2065438+August 2008, Alipay quietly put together a group function, which is a "limited time group" and will recommend different products to users at different times. [3 1]
On August 2 1 day, Alipay's function of delaying payment was fully upgraded, and the defrauded funds are expected to be recovered. [32] On August 29th, Alipay (China) Information Technology Co., Ltd. was changed from Ma Yun to Ye Yuqing [33]. On September 12, Alipay announced the end of the public beta of the applet and officially launched it, and established the applet business department. [34] 10 At the annual meeting of the World Bank held in Bali, Indonesia, World Bank members IFC and Alipay jointly announced the launch of the 10x 1000 Science and Technology Inclusive Plan, which plans to train 65,438+for emerging market countries every year in the next 10 years. [35] 1 19 10/9, the National Bank of Australia (NAB) announced its cooperation with Alipay, an electronic payment platform in China, and opened Alipay's collection and payment service on POS machines provided to customers in early October/0/9. NAB is the first of the four largest banks in Australia to launch this service [36]. Alipay started operation in Pakistan at the end of 20 18. [37]
The report "Mobile Government Services (2065 438+08)- Reconstruction and Wisdom" released on June 20 19 shows that 442 cities (including county-level cities and counties directly under the jurisdiction of the province) have put government services on Alipay platform. [38] On June 65438+ 10/0, Lujiazui and Alipay signed the Office Building Pre-sale Contract. According to the Cooperation Agreement signed between Zhejiang Ant Microfinance Service Group Co., Ltd. and Alipay, the office building was transferred to Alipay with a tentative total transfer price of 2.262 billion yuan. [39] On June 65438+ 10/4, Ant Financial announced that Alipay actively implemented the relevant requirements of the People's Bank of China on centralized deposit and disconnection of reserve funds of payment institutions. By June 20 19 and 14, the disconnection, centralized depository and cancellation of the reserve account had been completed. [40] On February 2nd, Alipay became the first enterprise to obtain national certification. Alipay's system for protecting users' personal information security and privacy has reached the most stringent national standards. [41] On February 2 1, Alipay announced that since March 26, a service fee will be charged for credit card repayment through Alipay. [42] As of April 20 19, Alipay's "risk brain" has cooperated with Hebei, Beijing, Tianjin, Chongqing, Wenzhou, Guangzhou, Guiyang, Xi, Xiamen, Hefei, Wenzhou, etc. 1 1 provincial and municipal financial offices, becoming a "thousand miles" for them to find and warn high-risk enterprises. On May 8th, Alipay launched "mutual treasure for the aged" [45]. In June, Alipay and its local wallet partners have served more than 654.38+02 billion global users. In June of this year, 5438+ 10, Alipay announced that the number of global users exceeded 1 100 million, and the number of global users maintained a 20% growth for half a year. [46] 10 June10, Alipay declared that it did not support virtual currency transactions. [47]165438+1October 5, Alipay released the international version.