With the continuous development and improvement of technology, mobile payment has changed our way of life, and at the same time changed the role of the original payment industry. Recently, smart pos has become a hot topic for everyone. Merchants, banks, payment agencies, outsourcing agents, and UnionPay, the entire industry chain is moving. Smart POS seems to be subverting the POS industry. What is the smart POS? How close is it to us? Today, Xiaobian will bring you a deeper understanding.
What is a smart POS
In Xiaobian's view, smart POS is a smart phone + payment module, which is currently some modules for Android + payment. In the case of an open system, the security of the POS is ensured by some software and hardware technologies, the APP can be flexibly installed, various application services can be enjoyed, and payment can be made securely.
How does the smart POS come from?
At the end of 2014, a technology researcher recalled that even at the time, he didn't even understand what a smart POS was. He just told the superior that it was a new type of POS that could be securely paid on Android's open platform. This process has actually been going on for a long time, that is to say, in 2014, smart POS has begun to be gradually recognized by everyone.
The past and present of intelligent POS
Hand brush and MPOS
In 2012, hand brush products suddenly became popular in China. The shape of the Square has been introduced in the country, but under the Chinese characteristics, the hand brush is basically a cash presence. Since then, MPOS products have also been promoted by many manufacturers under the safety requirements. After two years of development, by 2015, hand brushes and MPOS have reached their peak, and supervision has also strengthened in the past two years. Many payment service operators are aware that hand brush and MPOS are not good enough, and business transformation is urgently needed, and smart POS is also operating at this node.
WeChat and Alipay's mobile payment war eve
In 2014, the WeChat red envelope appeared during the Spring Festival, and the user base of WeChat payment skyrocketed. In September of the same year, WeChat officially launched the "swipe card" function. Alipay has already made it to the offline before this, and various pilot street projects have been launched, and subsidies have followed. At the end of 2014, smart POS appeared. Wechat and Alipay's two-dimensional code payment, need to modify the scanning code gun, also need a new POS terminal to support. At this time, the concept of aggregate payment has also been mentioned. Smart POS integrates multiple payment functions to cater to the needs of mobile payment wars.
The eve of the take-out software subsidy war
Before the smart POS is called the smart POS, in fact, the merchants already have the group purchase orders and the card coupon verification requirements of the US group and the public comment. It is one thing to pay. But there must be one thing, the mobile Internet application that can have a mobile phone, but not too entertaining. After the outsourcing software subsidy war, the demand for card coupon verification was even stronger. In 2015, the take-out software subsidy war began. At this time, the smart POS officially arrived.
The development of UnionPay and non-receipt payment
On the eve of the rise of the two-dimensional code payment, the UnionPay, which is not advisable, is also undergoing non-reconstruction, and even subsidizes the acquiring institution to complete the POS support in the market. In September 2014, Apple Pay launched, this product that subverts NFC payment business models and experiences has made Android manufacturers around the world compete. The emergence of smart POS is also a non-demand demand traction.
Smart POS & User
The difference between smart POS and traditional POS, just like smart phones and old-fashioned mobile phones, old-fashioned mobile phones replace the most incoming contacts and SMS export and import. Smartphones also need to deal with bundles of dozens of applications and data processing issues. Smart POS is also the same.
For acquiring banks and payment institutions, the value-added services and data collection capabilities provided by smart POS are very attractive. The acquiring institutions can increase the viscosity of merchants. In the past, traditional POS, only in the case of payment function, which one to change POS is very easy. Smart POS, when a merchant needs to change a smart POS, involves the replacement of services, the export and import of data.
For merchants, different merchants have different needs, and smart POS costs are a big problem. For small and micro businesses, they may prefer to apply QR codes. However, for merchants with data collection and data processing needs, smart POS that supports multiple payment methods and adds various value-added services will be more welcome.
For mobile payment providers, smart POS is a big integration. For WeChat Alipay, smart POS can pay in two-dimensional code. For UnionPay, you can pay for it. For the take-out application, you can increase the merchant.
For management software, each enterprise has ERP management software, and the smart POS can be carried. In fact, many smart POS providers will actively seek out enterprise management software providers in various industries. After negotiation, they will achieve a win-win situation. Management software can have more enterprises. Smart POS has more functions and more selling points.
Smart POS & Future
First of all, 2017 is definitely a year of smart POS outbreaks. Many enterprise products and sales models will come out and mature. Maybe you don't know what the sales model means. Some vendors now sell POS, but more are combined services to make up for the cost of smart POS by providing annual services. In 2017, after the influx of capital, more gameplay will appear.
It is worth mentioning that QR code payment does have an impact on the growth of POS. Small and micro merchants are more willing to use QR codes for acquiring, but on the other hand, merchants who want to improve their collection and processing capabilities will Choose smart POS.
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