中国银联坚持新“四方模式” 创新探索跨境互联互通合作

Core Viewpoint - The launch of the cross-border QR code unified gateway aims to streamline cross-border payment processes by addressing the issue of multiple connections in the industry [1][3]. Group 1: Unified Gateway and Cross-Border Payment Models - The unified gateway, guided by the People's Bank of China and developed by the China Payment and Clearing Association in collaboration with China UnionPay, provides a "one-point connection" interface for cross-border QR code payments [1]. - China UnionPay has introduced diverse cross-border connectivity models, including Government-to-Government (G2G) and Network-to-Network (N2N) approaches, to enhance cross-border payment interoperability [3]. - The G2G model involves central banks of two countries establishing a framework, with UnionPay acting as the external interface for business connections. Projects in Vietnam and Indonesia have been successfully implemented, with cross-border QR code interoperability trials starting in September [3]. Group 2: N2N Model and International Expansion - The N2N model allows UnionPay to negotiate directly with foreign QR code network operators, successfully applied in markets like Malaysia, Singapore, Japan, and South Korea [5]. - In Malaysia, UnionPay partnered with PayNet to enable QR code cross-border payment interoperability, allowing Chinese tourists to use UnionPay's app at 2.5 million merchants [5]. - UnionPay has expanded its acceptance network to 19 countries and regions, with over 10 million overseas QR code merchants and more than 170 foreign QR code payment wallets integrated into its network [5]. Group 3: Industry Collaboration and New Payment Ecosystem - As the number of participants in cross-border payments increases, industry collaboration is essential for effective implementation of cross-border payment interoperability [7]. - UnionPay is building a new "four-party model" that includes wallet providers and payment service aggregators to facilitate smoother participation in the cross-border payment ecosystem [7][8]. - The collaboration among various industry players in the new model exemplifies the collective effort of the Chinese payment industry to expand internationally [8]. Group 4: Future Directions and Standards - With the unified gateway now operational, UnionPay plans to continue exploring new cross-border interoperability models and maintain the new "four-party model" to promote payment service connectivity [10]. - UnionPay's efforts have evolved from basic infrastructure connectivity to establishing regulatory standards, as seen in its collaboration with Laos and Thailand to develop local payment systems and standards [8].