Yang bingbing: thinking of the Internet makes traditional products gained new vitality
On December 18, jointly organised by Xinhua and the Chinese Academy of Sciences, the Internet magazine of the 2014 annual meeting of the China Internet economy Finance Forum held in JW Marriott Hotel Beijing. From the Internet financial sector trade associations, well-known experts and entrepreneurs focused on Internet financial opportunities and challenges, the development of new models, inclusive financial, makes a deep analysis and research. Event highlights are as follows.
China Everbright Bank electronic banking General Manager Yang bingbing:
There are three inclusive financial aspects: the first is that we feel the so-called direct settlement of re-employment, called to solve small business “financing activities”, the second, you may think that is normal, is the payment service, and the third, we often encounter in life, and everyone’s lives are very closely linked, is the bill payment service.
We put has do of payment business for a packaging, formed a called “Everbright cloud payment” of platform, now we put this platform output to willing to do payment business of institutions, this institutions not only is Bank, including electric commercial, including third party paid, even future including convenience shop also are can, as long as willing to provides, and meet we of requirements, we on can put it output out. Our platforms are clients of all bank card holders, so it serves all. In addition, the service layer is any means of channel layer, we now feel the convenience stores to supermarkets, ATV, to online, to the mobile phone, POS-terminal which can be done. In this block is a payment made via the cloud, which clouds fee payment done via the cloud, there is we had an integrated product available to everyone.
We feel that the payment is a bank’s traditional work on at least a dozen years ago, when there were no electronic banking we can implement payment counter, can be considered a traditional agency business of banks. How can the traditional agency business make it radiate new vitality is the core design concepts we do this, we think of the Internet thinking is now open, is that we can apply to Internet technology, there is that we work with Internet companies to do. This design philosophy, which today is used on the payment, if this idea to other traditional bank products, conventional and traditional products as enabling banks to radiate with new vitality.
We have a strict risk control, primarily monitor the rate of payment, accounting errors in the process of liquidation, and other abnormalities found in the payment process. Addition party is from technology angle, efficient convenience of access mode, and extended capacity, and reliable of system, because it has is strong of technology, so we on technology features also summary has several points: a, itself is cloud schema to support large of fluctuations sex of payment business, second a, now we with has Internet institutions probably will with of “asynchronous processing way”, because synchronization processing way this resources consumption very high, everyone do technology of certainly will support, third a is service group and global flow monitoring. Because potential customers are not fixed, and today how many people will pay and all of a sudden we engage in activities will be how many people was a question mark, traffic monitoring is an important thing, keep the system stable. Again, reflects our professionalism, we specifically designed for testing tools for business developed by the Agency to improve the access speed of our project. Again, emergency plan, such as one-click switching is a targeted service.