Alipay

提供: miniwiki
移動先:案内、検索


Alipay ({{{1}}}) is a third-party mobile and online payment platform, established in Hangzhou, China in February 2004 by Alibaba Group and its founder Jack Ma. In 2015, Alipay moved its headquarters to Pudong, Shanghai, although its parent company Ant Financial remains Hangzhou-based.[1]

Alipay overtook PayPal as the world's largest mobile payment platform in 2013.[2] As of March 31, 2018, the number of Alipay users reached 870 million. It is the world's number one mobile payment service organization and the second largest mobile payment service organization in the world. According to the statistics of the fourth quarter of 2017, Alipay has a 54.26% share of the third-party payment market in mainland China, and it continues to grow.[3][4][5]

History

In 2003, Taobao launched the first Alipay service.[6] The PBOC, China's central bank, issued licensing regulations in June 2010 for third-party payment providers. It also issued separate guidelines for foreign-funded payment institutions. Because of this, Alipay, which accounts for half of China's non-bank online payment market, was restructured as a domestic company controlled by Alibaba CEO Jack Ma in order to facilitate the regulatory approval for the license.[7] The 2010 transfer of Alipay's ownership was controversial, with media reports in 2011 that Yahoo! and Softbank (Alibaba Group's controlling shareholders) were not informed of the sale for nominal value. Chinese business publications Century Weekly criticised Ma, who stated that Alibaba Group's board of directors was aware of the transaction.[8] The incident was criticised in foreign and Chinese media as harming foreign trust in making Chinese investments.[9] The ownership dispute was resolved by Alibaba Group, Yahoo!, and Softbank in July 2011.[10]

In 2013 Alipay launched a financial product platform called Yu'ebao (余额宝).[11] As of June 2013 the company still had what it called "a minor paperwork problem" with the China Securities Regulatory Commission, but the company said that they planned to expand the product while these are sorted out.[12]

In 2015, Alipay's parent company was re-branded as Ant Financial Services Group.[13]

In 2017, Alipay unveiled their facial recognition payment service.[14]

Services

ファイル:Alipay payment 20160121.jpg
Food ordering with Alipay in Mainland China

Alipay claims it operates with more than 65 financial institutions including Visa and MasterCard[15] to provide payment services for Taobao and Tmall as well as more than 460,000 online and local Chinese businesses.

Alipay is used in smartphones with their Alipay Wallet app. QR code payment codes are used for local in-store payments.[16] The Alipay app also provides features such as credit card bills payment, bank account managements, P2P transfer, prepay mobile phone top-up, bus and train ticket purchase, food order, ride hailing, insurance selection, digital identification document storage.[17] Alipay also allows online check-out on most Chinese-based websites such as Taobao and Tmall.[18]

The Alipay app allows users to add their own services provided from different companies to create a more personalised experience.

Since late-2008, Alipay has promoted public service payment services and has covered more than 300 cities nationwide, supporting more than 1,200 partner organizations.[19] In addition to utility bills such as water and electricity, Alipay also extends their services to areas such as paying transportation fines, property fees, and cable television fees.[20] Common online payment services also include hydropower coal payment, tuition payment and traffic fine.

On 15 January 2009, Alipay launched a credit card repayment service, supporting 39 domestic bank-issued credit cards.[21] It is currently the most popular third-party repayment platform. The main advantages are free credit card bills checking, repayments with no administrative fee, as well as automatic repayment, repayment reminders and other value-added services.[22] In the first quarter of 2014, 76% of credit cards were also paid by Alipay Wallet.

From December 2013, several chain convenience store companies, including Meiyijia, Hongqi Chain, and Qishiduo C-STORE and 7-Eleven, have successively supported Alipay payment; in December, Beijing taxi drivers began to accept Alipay to pay the fare. Subsequently, Wanda Cinema, Joy City, Wangfujing and other large-scale retail companies as well as movie theaters, KTV, and catering companies have access to Alipay.

International expansion

Internationally, more than 300 worldwide merchants use Alipay to sell directly to consumers in China. It currently supports transactions in 18 major foreign currencies.

Since the launch of Alipay in the Mainland China, Ant Financial introduced a series of expansion of the services to other countries.[23][24][25][26]

Asia

Hong Kong

ファイル:Alipay and AlipayHK in Hong Kong.jpg
Signage shown in Hong Kong, welcoming both Mainland China version of Alipay and AlipayHK

In 2017, Ant Financial introduced their expansion of service to Hong Kong. They launched Alipay Payment Services (HK) Ltd. and the "AlipayHK" brand as a joint venture with CK Hutchison.[27] They launched a standalone app providing features such as mobile payment and P2P transfer. All transactions are settled and paid with Hong Kong dollar instead of Renminbi.[28] The service is now available in major chain stores such as McDonald's, 7-Eleven and Circle K.[29] Wet markets and other merchants are also further supported.[30]

Singapore

In 2017, Ant Financial partnered with CC Financial, a start-up company in Singapore. Alipay plans to expand its 20,000 acceptance points in Singapore, and open up their platform to Singapore banking users.[31][32]

Japan

Alipay entered Japan in 2015, with network up to 38,000. Ant Financial hopes that their network in Japan could help Chinese tourists that are heading to Japan.[33]

Bangladesh

In 2018, Alipay bought 20% shares in Bangladeshi of the mobile financial service provider bKash Limited.[34]

Australia and New Zealand

In February 2019, Alipay and Tourism Australia announced a new service to promote Australian destinations to Chinese tourists using the city of Sydney as a 12-month pilot project. The new Sydney City Card will introduce an interactive city map in the Alipay app to alert tourists to participating locations and retailers where Alipay payments are welcomed. A similar initiative will be trialed concurrently in Queenstown, New Zealand.[35]

North America

United States

Ant Financial has partnered with First Data in 2017.[36] It allows Alipay service to be used at point-of-sale with more than four million retail partners in United States.[37]

Canada

In 2017, Alipay partnered with SnapPay to allow Canadian retailers to accept Chinese currency from Chinese shoppers. There are currently 800 merchants in Canada that supports Alipay, including most Cadillac Fairview mall locations, such as the flagship Eaton Center of Toronto and CF Chinook Centre in Calgary.[38][39] Air Canada began allowing transactions in Alipay to book flights from Canada and the United States beginning in August 2018, after initially rolling out the feature for booking of flights originating from China.[40]

Europe

United Kingdom

Alipay partnered with Barclaycard in United Kingdom, bringing Alipay to UK retailers.[41]

Norway

Alipay has started cooperating with Vipps in Norway. 30 shops in Bergen are ready to receive Alipay-customers, and in January 2019 some shops in Oslo will be ready. [42]

Security

Alipay provides multiple security mechanisms to make sure that user accounts are safe. An Alipay account requires the user to set up their own login password and separate payment password, which need to be different. The user can enter the login password up to five times and the payment password up to three times before the user is locked out of his or her account. To regain access to the account, the user must contact Alipay.[43] A user must also install a digital certificate, which can encrypt information sent over a network, preventing hackers from stealing passwords, thereby enhancing the security of online transactions.[44]

Comparison with other payment systems

Alipay is conceptually similar to Apple Pay, WeChat Pay and PayPal because it overlays traditional card payment methods. Although users receive immediate notification of the transaction, the main difference among Alipay and an instant payment system, like Venmo or Zelle is that the funds transfer between counterparties is not immediate.[45] The settlement time depends on the payment method chosen by the customer, while for instant payment systems, the funds are transferred within seconds or minutes.

Related Events

A person named Alipay

Alipay (中国語: 支付宝, July 7, 1962 -) has received attention for the same name as the Chinese payment platform "Alipay".[46][47] In March 2016, Alipay said he hoped to see Ma Yun, Alipay responded that he could meet Ma Yun, [48] but they have not met until now.[49]

References

  1. ↑ “支付宝总部迁址上海陆家嘴”. Netease. (2015年4月23日). http://news.163.com/15/0423/03/ANRVH1D500014AED.html 
  2. ↑ John Heggestuen (2014年2月11日). “Alipay Overtakes PayPal As The Largest Mobile Payments Platform In The World”. Business Insider. http://www.businessinsider.com/alipay-overtakes-paypal-as-the-largest-mobile-payments-platform-in-the-world-2014-2 
  3. ↑ “8.7亿！支付宝首次公布用户量：全球第一”. 快科技. (2018年5月4日). https://news.mydrivers.com/1/575/575709.htm . 2018閲覧. 
  4. ↑ “8.7亿！支付宝首次公布全球活跃用户数量”. 新浪财经. (2018年5月4日). http://finance.caijing.com.cn/20180504/4447746.shtml . 2018閲覧. 
  5. ↑ “Alipay is world's second largest mobile wallet”. Computer World HK. (2018年4月9日). https://www.cw.com.hk/digital-transformation/alipay-world-s-second-largest-mobile-wallet . 2018閲覧. 
  6. ↑ “Subscribe to read” (en-GB). Financial Times. . 2018閲覧.
  7. ↑ Wang, Shanshan (2011年5月27日). “Alipay Awarded Third-Party Payment License”. Caixin Online. Template:Cite webの呼び出しエラー：引数 accessdate は必須です。
  8. ↑ “How Jack Ma's Mistake Damaged China's Market”. Caixin Online (2011年6月14日). Template:Cite webの呼び出しエラー：引数 accessdate は必須です。
  9. ↑ “Jack Ma Talks To China Entrepreneur Magazine About The Alipay Case (UPDATED)”. DigiCha. (2011年7月6日). http://digicha.com/index.php/2011/07/jack-ma-talks-to-china-entrepreneur-magazine-about-the-alipay-case/ . 10 October 2013閲覧. 
  10. ↑ Rusli, Evelyn M. (2011年7月29日). “Yahoo and Alibaba Resolve Dispute Over Alipay”. DealBook. Template:Cite webの呼び出しエラー：引数 accessdate は必須です。
  11. ↑ Chohan, Usman W.. “Financial Innovation in China: Alibaba’s Leftover Treasure - 余额宝”. McGill University. . 14 May 2014閲覧.
  12. ↑ Hsu, Alex (2013年6月27日). “Alipay’s Issue with CSRC Only a Paperwork Problem; Alipay Will Continue to Expand Yu E Bao”. BrightWire News. . 2014閲覧.
  13. ↑ Shih, Gerry (2014年10月16日). “Alibaba affiliate Alipay rebranded Ant in new financial services push”. Reuters. https://www.reuters.com/article/us-china-alibaba-idUSKCN0I50KJ20141016 . 2015閲覧. 
  14. ↑ Russell, Jon. “Alibaba debuts ‘smile to pay’ facial recognition payments at KFC in China | TechCrunch”. https://techcrunch.com/2017/09/03/alibaba-debuts-smile-to-pay/ 
  15. ↑ “About Alipay”. Alipay. . 10 October 2013閲覧.
  16. ↑ Cheng, Evelyn (2017年10月8日). “Cash is already pretty much dead in China as the country lives the future with mobile pay”. CNBC. https://www.cnbc.com/2017/10/08/china-is-living-the-future-of-mobile-pay-right-now.html . 2018閲覧. 
  17. ↑ “Alipay adds digital storage feature for identification documents” (英語). South China Morning Post. http://www.scmp.com/tech/china-tech/article/2076792/alipay-adds-digital-storage-feature-identification-documents . 2018閲覧. 
  18. ↑ “Online payment services in China: How does Alipay differ from PayPal?” (英語). Nanjing Marketing Group. (2013年12月19日). https://www.nanjingmarketinggroup.com/blog/chinese-internet-users/online-payment-services-china-how-does-alipay-differ-paypal . 2018閲覧. 
  19. ↑ 戴甜. “'Credit cities' taking shape in China”. Chinadaily. . 2018閲覧.
  20. ↑ Liu, Charlie (2017年3月1日). “Everything You Need to Know about Alipay and WeChat Pay”. Medium. . 2018閲覧.
  21. ↑ Hsu, Sara. “This Chinese Credit Card Company Plans On Outsmarting Tencent And Alipay With A More Secure Product” (英語). Forbes. https://www.forbes.com/sites/sarahsu/2017/07/25/this-chinese-credit-card-company-plans-on-outsmarting-tencent-and-alipay-with-a-more-secure-product/#33a7ecf633a0 . 2018閲覧. 
  22. ↑ “Yes, Foreigners Can Use AliPay -- This Is How” (英語). http://www.smartshanghai.com/articles/smsh/yes-foreigners-can-use-alipay-this-is-how . 2018閲覧. 
  23. ↑ “China's Alipay Is Moving Aggressively Into Foreign Markets - eMarketer” (英語). www.emarketer.com. . 2018閲覧.
  24. ↑ “Alipay Continues Its Global Expansion Efforts | PYMNTS.com” (en-US). www.pymnts.com. . 2018閲覧.
  25. ↑ “Alipay takes on Apple and PayPal with US expansion”. The Verge. https://www.theverge.com/2017/5/9/15595338/alipay-us-expansion-china-apple-pay-android-paypal . 2018閲覧. 
  26. ↑ Huang, Echo. “China's Alipay will soon be about as widely accepted as Apple Pay in the US” (en-US). Quartz. https://qz.com/979013/chinas-alipay-will-soon-be-about-as-widely-accepted-as-apple-pay-in-the-us/ . 2018閲覧. 
  27. ↑ Editorial, Reuters. “China's Ant brings in CK Hutchison as Hong Kong payments partner” (en-US). U.S.. https://www.reuters.com/article/us-hong-kong-ant-financial/chinas-ant-brings-in-ck-hutchison-as-hong-kong-payments-partner-idUSKCN1C11EQ . 2018閲覧. 
  28. ↑ “Ant Financial enters Hong Kong market with AlipayHK app” (英語). South China Morning Post. http://www.scmp.com/tech/china-tech/article/2095546/ant-financial-enters-hong-kong-market-alipayhk-mobile-wallet . 2017閲覧. 
  29. ↑ “Hong Kong fishmongers poised to lead city’s cashless revolution” (英語). South China Morning Post. http://www.scmp.com/tech/innovation/article/2116622/hong-kongs-hawkers-and-fishmongers-spearhead-citys-cashless-push . 2018閲覧. 
  30. ↑ “Alipay turns gaze to wet markets in HK e-payments push” (en-US). EJ Insight. (2017年10月24日). http://www.ejinsight.com/20171024-alipay-turns-gaze-to-wet-markets-in-hk-e-payments-push/ . 2018閲覧. 
  31. ↑ hermesauto (2017年8月22日). “Alipay to expand cashless payments to Singapore banking users, inks deal to expand here” (英語). The Straits Times. http://www.straitstimes.com/singapore/alipay-inks-deal-to-expand-cashless-payment-acceptance-points-in-singapore . 2018閲覧. 
  32. ↑ “AliPay to launch local wallet for Singapore”. TODAYonline. https://www.todayonline.com/business/impact/alipay-launch-local-wallet-singapore-soon . 2018閲覧. 
  33. ↑ “Alipay Chases Chinese Tourists to Japan” (英語). Bloomberg.com. (2017年12月20日). https://www.bloomberg.com/news/articles/2017-12-20/alipay-pursues-chinese-tourists-in-hard-to-crack-japanese-market . 2018閲覧. 
  34. ↑ Independent, The. “Alipay parent firm steps into Bangladesh”. Alipay parent firm steps into Bangladesh | theindependentbd.com. http://www.theindependentbd.com/post/147492 . 2018閲覧. 
  35. ↑ “Tourism Australia to test pilot 12 month program for Chinese tourists - foodservice” (英語). www.foodservicenews.com.au. . 4 February 2019閲覧.
  36. ↑ “First Data to Power Alipay in North America” (英語). First Data. https://www.firstdata.com/en_us/about-first-data/media/press-releases/05_08_17_2.html . 2018閲覧. 
  37. ↑ Russell, Jon. “Alipay, China’s top mobile payment service, expands to the U.S.” (英語). TechCrunch. https://techcrunch.com/2017/05/09/alipay-first-data-us-point-of-sale-expansion/ . 2018閲覧. 
  38. ↑ “Alipay partners with Canadian tech firm to expand presence in Canada”. https://www.theglobeandmail.com/report-on-business/international-business/asian-pacific-business/alibaba-bringing-online-payment-platform-alipay-to-canada/article36377246/ . 2018閲覧. 
  39. ↑ “China's Alipay is becoming more widely available in Canada this week” (en-US). MobileSyrup. (2017年9月25日). https://mobilesyrup.com/2017/09/25/alipay-alibaba-canada/ . 2018閲覧. 
  40. ↑ “Air Canada Expands Acceptance of Alipay and WeChat Pay to North American and Hong Kong Websites”. MarketWatch. (2018年8月25日). https://www.marketwatch.com/press-release/air-canada-expands-acceptance-of-alipay-and-wechat-pay-to-north-american-and-hong-kong-websites-2018-08-21 
  41. ↑ “Barclaycard partners with Alipay”. . 2019閲覧.
  42. ↑ Holøien, Martine. “Vipps inngår samarbeid med nettgigant” (no-NO). www.hegnar.no. . 2018閲覧.
  43. ↑ Sui, Xinyu (February 2013). “以支付宝为例研究第三方支付的问题及对策”. 经济论丛 28: 236. http://www.cnki.net/KCMS/detail/detail.aspx?QueryID=31&CurRec=1&dbcode=CJFQ&dbname=CJFD2013&filename=GLZJ201328213&urlid=&yx=&v=MjkyNjdmWXVacEZpdmhVYnJJSWlIUlpMRzRIOUxPcDQxRVo0UjhlWDFMdXhZUzdEaDFUM3FUcldNMUZyQ1VSTDI=. 
  44. ↑ Feng, Junli; Fan, Yingguang (March 2009). “支付宝在电子商务中的应用”. 电子商务 07. http://www.cnki.net/KCMS/detail/detail.aspx?QueryID=36&CurRec=1&dbcode=CJFQ&dbname=CJFD2009&filename=SCXH200907119&urlid=&yx=&v=MTQxMzZyV00xRnJDVVJMMmZZdVpwRml2aFZMdlBOaTdUWnJHNEh0ak1xSTVFYllSOGVYMUx1eFlTN0RoMVQzcVQ=. 
  45. ↑ European Central Bank (2018年2月24日). “"Definition of instant payment system"” (en-US). Template:Cite webの呼び出しエラー：引数 accessdate は必須です。
  46. ↑ “网传史上最牛身份证名叫“支付宝” 在沂南，真有人叫支付宝”. Sina News. . 2017閲覧.
  47. ↑ “真有人叫支付宝！还是山东人，马老板快请去做代言！”. 齊魯壹點網. . 2016閲覧.
  48. ↑ “临沂老汉“支付宝”想见马云引热议 支付宝官博回应”. 齊魯網. . 2017閲覧.
  49. ↑ 劉莎莎. “真有人名叫「支付寶」！56歲山東大爺成網紅　網民：名字真有錢” (zh-hk). hk01. . 2017閲覧.

External links

テンプレート:Alibaba Group テンプレート:Mobile payments



「http:///http:///mymemo.xyz/mymemo.xyz/wiki/index.php?title=Alipay&oldid=276923」から取得