Core Points - UnionPay International signed a strategic cooperation memorandum with The Mall Group in Thailand on November 5, focusing on optimizing acceptance experience, brand marketing promotion, and data analysis sharing [1][2] - The partnership will ensure that all merchants in existing and new shopping centers accept UnionPay payments and prominently display UnionPay branding [1][2] - A cross-border QR code interconnectivity project between UnionPay and PromptPay, operated by National ITMX, is set to launch in October 2025, allowing Chinese tourists in Thailand to use the Cloud Flash Payment app to scan PromptPay QR codes for payments [1][2] Summary by Categories Cooperation Details - The collaboration aims to enhance the payment acceptance experience and promote brand marketing activities [1][2] - Joint planning for more brand promotion and marketing activities will be conducted [1][2] Payment Acceptance - All merchants in both existing and new shopping centers will be required to accept UnionPay payments [1][2] - UnionPay branding will be prominently displayed in these shopping centers [1][2] Future Developments - The cross-border QR code interconnectivity project is scheduled to go live in October 2025 [1][2] - This project will facilitate payment for Chinese tourists in Thailand using the Cloud Flash Payment app [1][2]

Core Points - The article discusses the launch of a pilot service for querying deceased individuals' bank account information in Shandong Province, China, aimed at facilitating the process for legal heirs to access such information [1] Service Overview - The service, named "Deceased Persons' Bank Account Line Query," is based on the "One-Click Card Query" feature of the China UnionPay Cloud Flash Payment APP, allowing legal heirs or their agents to submit applications at bank branches and initiate queries through the APP after bank verification [3] - The service is designed for spouses, parents, children, and legally designated heirs or agents of deceased individuals, who can apply for the query service after identity verification by a notary [4] Query Results - The query results will only include the names of the banks where the deceased held accounts, without providing account numbers, balances, or information on other types of accounts like savings or investment accounts. The results are for reference only and do not serve as legal evidence for estate inheritance [5] Service Process - Users must register on the Cloud Flash Payment APP using their mobile number and ID. If already registered, no further action is needed [7] - Users can search for the service in the APP and view the list of participating bank branches [8] - Users must visit a participating bank branch to submit their application and receive a "query authorization code" valid for 24 hours [10] - After receiving the authorization code, users can input the deceased's name, ID number, and authorization code in the APP to submit their query, with results generated within 24 hours [12] - Users can access their query report through the APP after verifying their payment password, with results saved for 30 days [13] Important Notes - The service is currently in the pilot phase and is only available through the Cloud Flash Payment APP, with warnings against potential scams [15] - A list of participating bank branches in Shandong Province is provided, including locations for major banks like ICBC and Agricultural Bank of China [16]

Core Viewpoint - UnionPay International has signed a comprehensive acceptance cooperation agreement with Portugal's national airline, marking a significant expansion of its presence in Europe [1] Group 1: Market Expansion and Partnerships - The agreement with Portugal's national airline is part of UnionPay's strategy to deepen its market presence in Europe, coinciding with the 50th anniversary of diplomatic relations between China and the EU [1] - UnionPay has established a robust payment network in Europe over the past 20 years, with over 90% of countries and regions in Europe now offering UnionPay services [1] - The company has created a multi-faceted payment system that integrates card, code, and mobile payment options, with over 6 million merchants supporting mobile payments through UnionPay [1] Group 2: Consumer Experience and Payment Solutions - The rise of mobile payments has been significant, with UnionPay mobile transactions in Europe doubling since 2025, becoming the mainstream choice for Chinese tourists [1] - UnionPay offers various advantages for cardholders, including favorable exchange rates and cashback offers, enhancing the consumer experience for outbound Chinese tourists [2] - The tax refund process has been optimized, allowing for real-time refunds through the Cloud Flash Payment app at major international airports in Germany, Spain, Portugal, and Italy [2] Group 3: Product Offerings and Global Reach - UnionPay, in collaboration with the Bank of China Frankfurt branch, has launched the "Jinxiu China Card" in Europe, with over one million UnionPay cards issued across 13 European countries [3] - The global acceptance network of UnionPay has expanded to 183 countries and regions, covering over 74 million merchants and issuing more than 200 million UnionPay cards abroad [3]

Core Insights - UnionPay International has signed a comprehensive acceptance cooperation agreement with Portugal's national airline, marking a significant expansion in Europe [1] - The year 2025 marks the 50th anniversary of diplomatic relations between China and the EU, highlighting the deepening economic and cultural exchanges [1] - UnionPay's mobile payment services have seen a doubling in transaction volume since 2025, becoming the mainstream choice for Chinese tourists in Europe [1] Group 1 - UnionPay has established a robust payment network in Europe over the past 20 years, with over 90% of countries and regions in Europe now offering UnionPay services [1] - Approximately 80% of merchants' POS terminals in Europe support UnionPay card transactions, with over 6 million merchants accepting mobile payments via UnionPay [1] - UnionPay's services are integrated into various high-frequency consumption scenarios in Europe, enhancing the travel experience for tourists [1] Group 2 - With the resurgence of outbound tourism from China, the importance of a comprehensive payment network has increased, with a projected 30% year-on-year growth in Chinese citizens' outbound spending in 2024 [2] - UnionPay continues to offer advantages such as multiple discounts, favorable exchange rates, and high cashback for cardholders in several European countries [2] - The tax refund process has been optimized, allowing for real-time refunds through the Cloud Flash Payment app at major international airports in Germany, Spain, Portugal, and Italy [2] Group 3 - UnionPay, in collaboration with the Bank of China Frankfurt branch, has launched the "Jinxiu China Card" in Europe, with over one million UnionPay cards issued across 13 European countries [3] - European Economic Area residents can apply for UnionPay virtual and physical cards via mobile apps, facilitating seamless transactions both locally and in China [3] - UnionPay's global acceptance network now spans 183 countries and regions, covering over 74 million merchants and issuing more than 200 million UnionPay cards abroad [3]

Core Points - The "Social Security Card Enjoying a Good Life" service platform was officially launched in Jinan, Shandong Province, as part of the "Social Security Card Resident Service 'One Thing' Action" and the 2024 "Social Security Card Enjoying Shandong" initiative [1][3] - The platform, developed by UnionPay Business, aims to create a new ecosystem for social security card consumption applications, integrating features such as "special products, online shopping, consumption subsidies, and merchant discounts" [1][3] Group 1 - The Shandong Human Resources and Social Security system has implemented an information technology innovation action to enhance convenience services, promoting "full data sharing, full services online, and full business card usage" [3] - The platform aims to provide diverse, intelligent, and convenient service experiences for over 97 million social security cardholders in Shandong, making the social security card a true "happiness card" [3][6] Group 2 - The "Social Security Card Enjoying Shandong" event features selected scenarios closely related to daily life, such as fuel, movies, shopping, and public transport, allowing residents to easily access relevant services via their mobile devices [4] - Cardholders can use the "Cloud Flash Payment" app to find information on social security policies and exclusive discounts across various sectors, including food, shopping, culture, tourism, medical care, education, and transportation [4][6] Group 3 - The platform enables online management and data statistics for designated merchants and social security cardholders, assisting in the analysis and decision-making of social security service policies [6] - UnionPay Business is committed to applying various digital innovation technologies in government service sectors, enhancing the precision, digitization, and intelligence of public services, and promoting high-quality development [6]

Core Viewpoint - China UnionPay has been actively contributing to the high-quality development of Xinjiang by providing safe, convenient, and efficient payment services, marking its commitment to corporate social responsibility during the 70th anniversary celebration of Xinjiang Uygur Autonomous Region [1] Group 1: Payment Services Expansion - China UnionPay has established over 1 million UnionPay cards in Xinjiang and has surpassed 10 million registered users on the Cloud Flash Payment APP [1] - The company has built over 13,000 rural payment service points to enhance financial accessibility for farmers and herders, allowing them to perform transactions without leaving their villages [2] - UnionPay has achieved full payment coverage in high-frequency service sectors such as food, accommodation, transportation, and healthcare, and has implemented a "one-stop" payment system for government services [2] Group 2: Economic Development Initiatives - UnionPay is actively involved in government consumption voucher distribution and promotional activities to stimulate consumption in various sectors, including automotive and retail [3] - The company has launched over 3 million "Rural Revitalization Theme Cards" in collaboration with commercial banks to support agricultural development [3] - UnionPay has facilitated cross-border payment convenience by issuing over 1.7 million "Silk Road Cultural Theme Cards" and exploring new settlement models for cross-border trade [3] Group 3: Technological Integration and Future Plans - UnionPay has introduced the "Xinjiang Tourism Digital Card" to enhance the travel experience by integrating various consumer rights [4] - The company has developed a comprehensive solution for truck ETC, helping the logistics industry save over 370 million yuan [4] - Looking ahead, UnionPay aims to deepen its financial service layout in Xinjiang, enhance cross-border collaboration, and build a secure payment ecosystem to contribute to the modernization of Xinjiang [4]

Core Viewpoint - The article emphasizes the importance of cybersecurity and the need for public awareness and education regarding online safety, particularly in the context of financial information protection and the prevention of various types of online fraud [10][22]. Group 1: Cybersecurity Principles - Xi Jinping's important thoughts on building a cyber power are outlined, emphasizing the integration of cybersecurity and information technology development [2][4]. - The "Four Persistences" in cybersecurity work are highlighted, focusing on the need for cybersecurity to serve the people and the importance of education and technology integration [10][11]. Group 2: Legal Framework - The "Cybersecurity Law of the People's Republic of China" is introduced as the foundational legal framework for managing cybersecurity, effective since June 1, 2017 [13]. - The "Data Security Law" and the "Personal Information Protection Law" are also discussed, establishing guidelines for data handling and personal information protection, effective from September 1, 2021, and November 1, 2021, respectively [17][18]. Group 3: Financial Information Security - Personal financial information is defined, including identity, asset, account, credit, and transaction information [22]. - Recommendations for protecting personal financial information include not sharing sensitive information and being cautious with online transactions [23][25]. Group 4: Fraud Prevention - Various types of online fraud are detailed, including investment scams, loan fraud, and impersonation scams, with specific case studies illustrating how these scams operate [27][31][36]. - Safety tips are provided to help individuals recognize and avoid scams, emphasizing the importance of skepticism towards unsolicited offers and requests for personal information [30][33][38]. Group 5: Anti-Fraud Tools - The article lists several anti-fraud tools and resources, such as the National Anti-Fraud Center APP and various reporting hotlines, aimed at enhancing public awareness and response to potential fraud [43][44][45].

Core Viewpoint - The article highlights the "UnionPay Poetry POS Machine" initiative, which has successfully brought poetry written by children from rural China to Thailand, fostering cultural exchange and charitable contributions [1][5][7]. Group 1: Initiative Overview - The "UnionPay Poetry POS Machine" was launched in 2019 and has now expanded internationally, marking its first overseas event in Bangkok, Thailand, coinciding with the 50th anniversary of China-Thailand diplomatic relations [1][5]. - The initiative aims to connect different cultures through poetry, allowing children from rural areas to share their creative expressions with a broader audience [5][7]. Group 2: Event Details - The event in Bangkok featured a vibrant display of Chinese lanterns adorned with poetry from Chinese children, creating a poetic atmosphere during the Chinese Lantern Festival [2][5]. - Visitors could donate using UnionPay cards at the Poetry POS Machine, receiving a bilingual poetry receipt, with proceeds directed towards improving children's education and living conditions in Thailand [2][5]. Group 3: Impact and Achievements - Over the past seven years, the initiative has reached over 400 rural schools across various provinces in China, helping more than 7,000 children access arts education and collecting over 6,000 poems [7]. - The program has also led to the publication of a poetry collection titled "Little Poets in the Mountains" and established the first UnionPay public library and 114 reading corners in rural areas [7].

Core Viewpoint - The recent guidelines issued by the People's Bank of China and six other departments aim to enhance financial support for consumption, focusing on improving payment services and experiences for consumers, particularly in key consumption areas such as food, housing, transportation, tourism, shopping, entertainment, and healthcare [1] Payment Experience Enhancement - The rapid development of mobile payments in China has led to an increased need for inclusive payment services for foreign visitors who may prefer cash or card payments. From 2019 to May 2025, the total transaction volume for "foreign card binding" and "foreign wallet usage" reached 3.79 billion transactions, amounting to 604.39 billion yuan [2] - Daily average transactions for these services reached 1.2193 million, with a daily average transaction amount of 16.997 million yuan by May 2025, reflecting year-on-year growth of 185% and 135% respectively [2] Increased Acceptance of Mobile Payments - The acceptance of mobile payments among foreign visitors has significantly improved, with WeChat Pay transactions for foreign cards tripling compared to the previous year. New users can enjoy fee waivers for the first 60 days after binding their foreign cards [3] - Alipay reported a more than 200% increase in usage among inbound tourists from January to May this year, with a 400% increase in transaction volume on the first day of the Dragon Boat Festival [3] Policy Incentives and Consumer Engagement - The "old-for-new" consumption promotion policies have been actively supported by payment platforms like China UnionPay, WeChat Pay, and Alipay, facilitating the distribution of subsidies and enhancing consumer engagement [5] - By May 2025, UnionPay had supported the redemption of over 80 billion yuan in national subsidies, directly stimulating consumption by over 500 billion yuan and benefiting 64 million consumers [5] Digital Currency Innovations - The digital yuan has seen service upgrades, including the expansion of "tap and go" access for public transport in Shanghai, allowing seamless travel for both locals and foreign visitors [7] - The digital yuan hard wallet is gaining popularity among foreign tourists and various demographic groups due to its low entry barriers and wide application scenarios [8] Future Outlook - The digital yuan's promotional activities have not only increased its adoption but also boosted sales in local businesses, with significant transaction volumes reported by banks involved in the initiative [9] - Analysts suggest that enhancing the stability and reliability of the digital yuan system while expanding its application scenarios will be crucial for its future growth [9]

Core Viewpoint - China UnionPay is committed to protecting cardholders' financial security and actively promotes anti-fraud awareness through various campaigns aimed at educating the public about telecom and online fraud prevention [1][2] Group 1: Targeted Education for Vulnerable Groups - For minors, parents are encouraged to educate their children about anti-fraud knowledge, supervise their use of mobile phones and social media, and set up secure payment passwords [1] - For the elderly, it is advised not to trust unknown calls, messages, or links, and to avoid sharing sensitive information such as ID numbers and bank details [2] - Both groups are urged to communicate with family members regarding any suspicious financial requests and to report fraud incidents immediately [2] Group 2: App Safety and Security Measures - Users are advised to be cautious when installing apps, ensuring they are downloaded from official channels and to avoid clicking on unknown links [2] - Regular checks on app permissions are recommended, especially for sensitive data access, to enhance personal security [2] - China UnionPay provides resources for users to learn about various telecom and online fraud prevention methods through its official platforms [2]