Core Viewpoint - The launch of the Cross-Border QR Code Unified Gateway aims to enhance cross-border payment efficiency and standardization, addressing existing issues in the payment infrastructure [1][4][5]. Group 1: Unified Gateway Overview - The Unified Gateway is a cross-border payment infrastructure developed under the guidance of the People's Bank of China, allowing domestic and foreign institutions to collaborate through a single interface [1][4]. - Prior to the Unified Gateway, cross-border payments faced challenges such as inconsistent standards and inefficient "pairwise connections" between institutions, which hindered the overall effectiveness of China's payment industry [1][4]. - Since its trial operation began in late July, the Unified Gateway has processed 1.981 million transactions amounting to 427 million yuan by September 11 [1]. Group 2: Benefits and Changes - The Unified Gateway supports real-time processing of transaction information, significantly improving the efficiency and user experience of cross-border payments [2][7]. - It reduces the system connection costs for institutions and minimizes resource waste from multiple system upgrades [4][6]. - The establishment of a unified standard for foreign wallet institutions enhances the efficiency of wallet integration and promotes fair competition in the cross-border payment market [4][6]. Group 3: Participation and Expansion - Institutions eligible to connect to the Unified Gateway include wallet institutions, acquiring institutions, and financial infrastructures, which must meet specific criteria to participate [6]. - The Unified Gateway has already partnered with several domestic and international institutions, including China UnionPay and various wallet providers across Southeast Asia [6]. - Future plans include expanding the range of participating institutions and enhancing cross-border payment connectivity [6]. Group 4: User Experience and Security - The Unified Gateway allows for various transaction types, including both "merchant scanning" and "user scanning" modes, ensuring a seamless user experience [7]. - The system is designed to be secure, adhering to international standards for risk prevention and operational safety, including compliance with KYC and anti-money laundering regulations [8]. - It features a multi-center deployment strategy to ensure high availability and resilience against system failures [8].

三是"海纳百川"的开放愿景，通过开放共享，打破"小院高墙"，各类机构能够以更低成本接入网络，触达更广泛用户，获 得发展机会，整个支付网络的生命力因此提升，最终实现"帕累托最优"。四是"行稳致远"的安全愿景，安全与合规是不可动摇 的基石，是必须牢牢守住的"底线和红线"，互联生态应在监管框架内"守正"而行。 董俊峰表示，中国银联正与产业各方一道，探索共筑支付产业高质量互信互联新生态。一是共建"新四方模式"，明确各方 角色定位和职责，重塑公平、透明、可持续的价值分配与分润机制，实现劳有所得、多劳多得。二是各方"抱团出海"，聚焦共 建"一带一路"国家和地区，将我国支付产品和品牌、技术标准、合作模式、生态理念推向全球。三是推动构建"云－管－端"体 系，探索产业资源汇聚、连接和分发新模式，实现产业资源协同共享、供需精准匹配。 本报讯 （记者李冰）9月16日，第十四届中国支付清算论坛在京举行。本次论坛由中国支付清算协会主办，以"共建支付互 联生态 共享数字金融未来"为主题。中国银联党委书记董俊峰应邀出席，并发表《互信互联 共筑支付产业高质量发展生态》主 题演讲。 董俊峰在演讲中表示，支付因连接而生，因协同而进，互联互通始终 ...

本报讯 （记者李冰）9月16日，由中国支付清算协会举办的第十四届"中国支付清算论坛"在北京召开。 本届论坛的主题为"共筑支付互联生态 共享数字金融未来"。 中国人民银行副行长陆磊在论坛上表示，近年来，人民银行坚决贯彻党中央、国务院决策部署，创新管 理机制，完善金融服务体系，全力推动支付产业高质量发展，助力金融强国建设。经过产业各方不懈努 力，支付服务实体质效进一步提升，行业治理持续深入，金融基础设施支撑有力，高水平开放不断推 进，现代支付体系建设取得了若干方面的新成效。 陆磊进一步指出，在人民银行的认真谋划、统筹推进下，在行业各方的努力推进下，互联互通工作已经 取得了积极成效。快速支付系统互联互通新路径成功构建，内地与香港快速支付系统已经于今年6月实 现互联互通，业务运行比较平稳，社会反响非常好。跨境二维码支付互联互通取得重要进展，去年人民 银行推动外籍来华人员支付服务便利化工作，反映出各经济体零售支付互联互通对于提升经济活跃性具 有积极作用。今年，人民银行继续指导支付清算协会和中国银联建设了跨境二维码统一网关，于7月底 上线试运行，统一网关坚持公共性、包容性、普惠性原则，支持符合条件的市场机构接入开展跨境二 ...

Core Insights - The development of AI large models is transforming search experiences, allowing users to make travel arrangements seamlessly through AI recommendations and one-click payments [1] - China UnionPay showcased its innovative payment technologies at the 12th China International Fair for Trade in Services, emphasizing the integration of AI and payment solutions [2][4] Group 1: AI and Payment Integration - China UnionPay's intelligent payment service enables a commercial closed loop from information provision to payment, enhancing user experience [4][5] - The service supports various scenarios including travel planning, knowledge payment, utility bill payments, and online shopping, streamlining the payment process across different platforms [5] - The MCP (Model Context Protocol) payment service allows AI to analyze user needs and execute transactions without leaving the AI interface, ensuring a seamless experience [5][6] Group 2: Financial Cloud Solutions - China UnionPay introduced a new generation of cloud solutions that integrate AI technology, enhancing the efficiency of financial services for industry partners [7][8] - The AI IaaS, PaaS, and SaaS services provide comprehensive support for AI development, including data processing and model training, catering to various client needs [8][9] - The AI-enhanced cloud solutions have significantly improved service efficiency, as demonstrated by a healthcare unit that reduced report generation time to under 40 seconds [9] Group 3: Cross-Border Payment Expansion - China UnionPay's global acceptance network has expanded to 183 countries and regions, facilitating cross-border payments for users [11][14] - The company has implemented a new "four-party model" to enhance cross-border payment interoperability, collaborating with local payment networks in 19 countries [14] - UnionPay's initiatives include promoting mobile payment solutions for inbound tourists, enhancing their experience in China [16][19] Group 4: Tax Refund Services - China UnionPay has launched a new departure tax refund service aimed at improving payment convenience for foreign visitors, creating a closed-loop service from consumption to tax refund [20] - The service integrates various payment capabilities and has already been implemented in multiple provinces, enhancing the overall experience for international consumers [20] Group 5: Future Development Strategy - China UnionPay aims to accelerate the digital transformation of the payment industry, focusing on platformization, intelligence, and globalization to strengthen its role in supporting industry development [21]

人民财讯9月13日电，据万事网联网站消息，近期，万事达卡及万事网联在中国境内监测到部分未经授 权的交易。为保护持卡人财产安全，其与发卡银行一起第一时间启动应急调查，成立专项小组追溯风险 源、阻断潜在风险，并共同推进相关持卡人的资金保障流程，避免持卡人承担不应由其承担的损失。 ...

Core Viewpoint - The article highlights the significant role of China UnionPay in promoting the integration of culture and tourism, showcasing various initiatives aimed at enhancing consumer engagement and supporting the high-quality development of the cultural tourism industry [1][4]. Group 1: Event Overview - The 2025 China Cultural Tourism Industry Expo opened in Wuhan, focusing on "Deepening Cultural and Tourism Integration for a Better Life" [1]. - The event is organized by the Ministry of Culture and Tourism, featuring a "Hundred Cities, Hundred Districts" cultural and tourism consumption exhibition area [1]. Group 2: Government and Financial Collaboration - China UnionPay, in collaboration with commercial banks and cultural tourism enterprises, has implemented the "Hundred Cities, Hundred Districts" initiative for three consecutive years, driving cultural tourism-related consumption exceeding 2 trillion yuan [4]. - The "Jinxiu Action" has been promoted, supporting 131,000 key scene merchants to accept UnionPay cards, enhancing payment convenience for users [4]. Group 3: Consumer Engagement Initiatives - UnionPay has launched various platform-based activities to stimulate consumer enthusiasm, including support for government-issued consumption vouchers and the development of new business formats [6]. - Notable activities include Shanghai's "Le You Series," Qinghai's "Mountain Source Water, Enjoy Qinghai" vouchers, and Shandong's "Food Super Competition," benefiting over 10 billion people and covering more than 60,000 cultural tourism enterprises [6]. Group 4: Digital Service Development - UnionPay is exploring cross-scenario integration, collaborating with ticketing platforms to launch innovative consumption activities linked to events and performances [8]. - The establishment of the "Tourism Economy Key Laboratory" and "Tourism Consumption Big Data Joint Laboratory" aims to provide comprehensive services for cultural tourism departments and investment groups, serving over 200 cultural tourism units [8]. Group 5: Future Directions - The participation in the expo represents an important practice for China UnionPay in deepening cooperation and supporting the cultural tourism industry [8]. - The company aims to continue its commitment to "Payment for the People," collaborating with various industry stakeholders to promote innovative integration in cultural tourism [8].

Core Insights - The report highlights the significant role of card organizations in promoting the high-quality development of the payment industry, emphasizing their contribution to the service of the real economy and digital transformation [1][4] Industry Trends - The global payment industry is undergoing profound changes, characterized by a dual trend of "regionalization" and "infrastructure development," with real-time payment systems and regional interconnectivity advancing rapidly [2] - Technologies such as artificial intelligence, big data, cloud computing, blockchain, and biometrics are reshaping payment processes and user experiences [2] Characteristics of China's Payment Industry - China's payment industry has developed a globally leading scale, deep technological penetration, and a diverse ecosystem, with a parallel issuance model of physical and digital cards becoming mainstream [2] - Digital wallets are emerging as the core payment tool due to their convenience, while various payment methods like card swiping, QR codes, and contactless payments are widely adopted in high-frequency, low-value transaction scenarios [2] - Collaboration among diverse market players, including commercial banks, card organizations, non-bank payment institutions, and service providers, is enhancing industry efficiency through standardization and optimization of clearing processes [2] Unique Practices of Card Organizations in China - China UnionPay is focusing on the global payment industry's innovation trends and digital transformation, integrating multiple resources to support the entire payment industry's innovation chain [3] - The organization is designing differentiated payment services to support government consumption promotion initiatives and exploring innovative paths to release consumption potential [3] - UnionPay is also deepening the application of new technologies like AI and IoT in the payment industry, promoting global payment ecosystem construction through cross-border payment interconnectivity [3] Value of Card Organizations - Card organizations continue to demonstrate irreplaceable core value in the high-quality development of China's payment industry, enhancing payment experiences and building a secure, globally compatible, and open interconnected industry mechanism [4] - They play a crucial role as implementers of policy, leaders in standard setting, and facilitators of ecosystem co-creation, ensuring the long-term healthy development of the payment industry [4]

Group 1 - The report emphasizes the global focus on "regulatory consistency" and "penetrative regulation" in the payment industry, aiming for a dynamic balance between fair competition, risk prevention, and innovation incentives [1] - New payment methods such as Account-to-Account (A2A) payments, Buy Now Pay Later (BNPL), and cryptocurrency wallet payments are rapidly developing, reflecting the market's pursuit of efficient and diverse payment tools [1] - The report acknowledges China's payment industry achievements, highlighting a leading global scale, deep technological penetration, and a diverse ecosystem characterized by parallel issuance of physical and digital cards, with digital wallets becoming core payment tools [1] Group 2 - The report outlines the transformation path of card organizations in the global payment industry, noting Visa's shift from a traditional four-party settlement network to an open ecosystem, extending its value boundary from transaction processing to capability output [2] - Visa's card business continues to show vitality, evolving into a multi-engine structure of "consumer payments + commercial payments and fund flows + value-added services" [2]

北京商报讯(记者岳品瑜实习生岳雯艳)9月10日，2025年中国国际服务贸易交易会在首钢园举行，金融 服务专题作为服贸会九大专题之一，以"数智驱动开放共赢"为主题。在金融服务专题展上，北京商报记 者从网联清算公司了解到，2025年除夕，网联清算平台处理跨机构网络支付交易达11万笔/秒，创峰值 历史新高。2025年8月29日(农历"七夕")，网联平台单日交易笔数达37.1亿笔，创单日交易量历史新高。 北京商报记者在现场看到，网联清算公司首次在服贸会展台设置实时交易数据直播展示区，参展观众可 直观感受全球交易笔数最大的零售支付清算机构，面对海量支付交易如何通过"三地六中心"分布式云计 算架构保障网络支付体系的高效运转。 ...

北京商报记者在现场看到，网联清算公司首次在服贸会展台设置实时交易数据直播展示区，参展观众可 直观感受全球交易笔数最大的零售支付清算机构，面对海量支付交易如何通过"三地六中心"分布式云计 算架构保障网络支付体系的高效运转。 北京商报讯（记者 岳品瑜 实习生 岳雯艳）9月10日，2025年中国国际服务贸易交易会在首钢园举行， 金融服务专题作为服贸会九大专题之一，以"数智驱动 开放共赢"为主题。在金融服务专题展上，北京 商报记者从网联清算公司了解到，2025年除夕，网联清算平台处理跨机构网络支付交易达11万笔/秒， 创峰值历史新高。2025年8月29日（农历"七夕"），网联平台单日交易笔数达37.1亿笔，创单日交易量 历史新高。 ...