January 23, 2015, the second session of the China Internet Financial Forum and the eighth annual meeting of the China Electronic Finance held in Beijing, the meeting on the theme "Innovative integration synergies. - Promoting the healthy development of Internet banking." Fan Jinqiao, general manager of e-commerce in the shift in the forum speech that now we are more familiar with, there are three main methods of mobile payment, a credit card is a micro-channel methods for a scan code to pay, there is a way that NFC, micro-channel card the way people have occupied the scan code to achieve the payment and payment is the moment of payment. Security issues behind the two-dimensional code also caused widespread concern of users, based NFC payment can give users a convenient, safe and efficient method of payment, good guarantee funds and information security. The following is a guest lecture Record: Dear leaders, experts, good afternoon ladies and gentlemen, I have just received two awards of financial innovation, which is the organizing committee and the industry for our products and services are highly appreciated. This time, I express my sincere thanks on behalf of the company. At the same time I am very honored by the invitation of the organizing committee, this time, and all the leaders, experts to discuss the financial and mobile payment innovation related topics. Today I report entitled only to develop innovative, open only feasible. Here I is divided into three parts, first is the basic situation of the company to be a brief introduction. Founded in June 2011, the registered capital of 500 million yuan, has been covering the relevant state departments issued bank card, billing, business license and other license payments, the company as China Mobile Communications Group, the only company to provide payment and settlement services the company, platform construction business, product development, business operations, to achieve more than one million registered users, more than three thousand million in total transaction fruitful results. Next, I explain to you and pack the product and business development situation. And the package is a kind of product? Mainly in four aspects, one is the identity, it simply is two words, but it is not to say that we mean money, it represents four things, the first is the identity on behalf of the membership card has identity credentials; the second is the hand, the hand is the left hand, on behalf of every day we get in the hands of a mobile phone; and the third is the key to the key is that we now access; fourth one is money, the purse, you can put all kinds of bank cards and cash in our wallets Disaster inside. Every time these four things by money, and later with the package, it is only with a smart phone has a line. Here again you about the business and the development of the package, and I belong to the company years ago to build the nation's largest operator of the TSM now multi-application platform, the number of users on the platform of our existence is now more than one million, and the number of application packages also reached 1.5 million. Now and package application scenarios have been very rich, in many areas the bank transit subway, shopping malls and others have coverage, and now we can already CUP 4 million in POS machines, more than a dozen schools in the range of uses and packages. We talk to reporting and package innovation, innovation is the first intelligent building SIM card, the SIM open more room for the community of third-party references, UnionPay a room, a room Shanghai Pudong, Beijing subway, etc., NFC mobile phones to interact with the prior pre-POS machines, and provides the client interface to manage the SIM card. This has at least the following three advantages, one mobile phone to install the client to provide customers with demonstrable user interface, like the original bank cards, bus cards with predecessor repeat the experience, check SIM card already downloaded the application, including bank card check monthly basis, membership card check points, etc., will clearly see the wallet when few cards have the same needs three more applications, you can access mobile NFC multi-application platform, download the SIM card application by the client. The second innovation is to connect all of the interconnection. Our TSM platform and multiple service levels within the industry was able to achieve interoperability, the central bank is moving MTPS financial public service platform, mobile and packet services found today a national central bank Ministry of Transportation bus interconnection, TSM communication platform to achieve docking. Cooperation with China UnionPay, the first commissioned by issuing TSM model to achieve rapid intervention applications, publish the White Paper on China Mobile TSM open cooperation, involved in the partnership, partners will get more personalized support, and innovative business model TSM platform. The third innovation, to keep the information secure. Now we are more familiar with the mobile industry payment there are three, one is micro-channel card, one is scan code to pay, there is a way that NFC, micro-channel card has occupied the way people pay and pay to achieve scan code is the moment of payment. Security issues behind the two-dimensional code also caused widespread concern of users, and packet-based NFC is committed to provide users with a convenient, safe and efficient method of payment, and cost-effective way to package the security module, which is equivalent to the collector added a U shield, a good guarantee funds and information security. Now we are engaged in online banking with one, and packages and other related products in line with relevant international standards SOJP also detected by a bank card, the China Electronics Standardization Institute Laboratory, National Quality Supervision and Inspection Center computer and other authoritative bodies strict testing. "And package" whole system is very complex chain, closely rely on innovative products and models itself is difficult to go for a long time, and goes far, so it is with an open mind to create an open system. After in-depth exploration of the year, we open the General Assembly in the world, China Mobile in 2014, the release and open policy package, open and cooperative development of precision, specific to the product and mainly includes three aspects first, client development, achieve collaborative SIM card . Second, the platform, partners can building secondary NFC platform, the company TSM platform docking and proxy access more applications, three SIM open, distribution partners to open the SIM card is the bus company bank card businesses from my company SIM card to receive direct payment to the user, only chain to participate in them, the industry can be healthy and orderly development. "And package" a very clear position, the SIM card, the initial expansion to full coverage, 800 million China Mobile SIM card collecting sheets, the future will be applied to any SIM networking equipment, the number of devices will be more than 21 units. The next few billions of collection and networking, application management platform mostly by China, hundreds of millions of users and packages start and use in daily life related applications, such as travel, shopping, travel, entertainment, and mobile innovation and development package product, industrial chain is very long, involving the Internet and other financial communications field, hope that the major partners to help us, let us move on. Finally, ladies and gentlemen, I wish good health and leadership, and good luck, my speech is finished, thank you.