借力数智化，银联正通过新"四方模式"来实现其作为中国银行卡品牌应有的市场地位、竞争力和话语权，进而为国际支付提供中国方案 文｜《财经》记者 张威 唐郡 编辑｜袁满 2025年9月，印尼巴厘岛的工艺品店内，中国游客无需下载当地支付应用，手机扫描商户二维码，便瞬间跳转至熟悉的支付界面。 这一幕"无感支付"场景的落地，背后是中国与印尼跨境二维码互联互通双向试运行的正式启动。 在上述合作中，中国银联（下称"银联"）承担跨境转接清算，蚂蚁国际提供技术支持，中银香港则为人民币结算行。 三方协同发力书写了中国支付出海全新篇章，背后亦有国家政策助推。 2025年7月底，在中国人民银行（下称"央行"）指导下，由支付清算协会与银联联合建设的跨境二维码统一网关（下称"统一网关"）正式上线，支付开放 再度升级。 微信支付、支付宝等多家支付机构纷纷宣布，已接入统一网关，将进一步支持更多的境外钱包在华使用，这标志着中国自主可控的人民币跨境支付体系建 设进入生态协同发力的最新阶段。 显然，跨境支付被给予更高的期待。《中共中央关于制定国民经济和社会发展第十五个五年规划的建议》（下称《建议》）提出，扩大高水平对外开放， 开创合作共赢新局面。并 ...

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]