双语：银联发布二维码支付标准 扫码市场步入规范时代
Bank card association China UnionPay on Monday announced standards forQuick Response (QR) code payment services, a move that will cause a stir in the
nation’s mobile payment sector, which is dominated by Internet giants Alibaba
Group Holding and Tencent Holdings.
中国银联在周一表示将正式推出“银联二维码支付标准”，这一举动将会对一直以来由阿里巴巴集团和腾讯集团主导的移动支付领域带来一系列冲击，大有抢滩扫码支付市场之势。
Industrial and Commercial Bank of China and China Minsheng Bank, members of
UnionPay, have been conducting trials of QR code payment services based on
UnionPay standards, a spokesman for UnionPay told the Global Times on
Monday.
中国银联发言人在本周一接受《环球时报》采访时表示，银联旗下的中国工商银行和民生银行已经在遵守新规范的基础上开始推出一些二维码支付服务。
The date that UnionPay chose to announce the standards has also revealed
the company’s ambitions in the mobile payment sector.
银联在双十二当天公布二维码支付标准，某种程度也表明了银联意图抢滩扫码支付市场的野心。
Like the Singles’ Day shopping festival on November 11, December 12, also
known as the Double 12, is now another major shopping carnival and more
importantly, a new battlefield for Internet giants to promote their mobile
payment services.
诸如11月11号(双十一)和12月12号(双十二)等这类新兴的购物狂欢节对于那些网络巨头公司来说也是一块巨大的肥肉，非常有利于他们宣传并抢占移动支付的新战场。
For instance, Alibaba launched a promotion campaign covering 1 million
stores in more than 400 cities from Saturday to Monday. Consumers can get
discounts or coupons by making payments via the company’s Alipay payment tool.
Tencent launched a similar campaign that gives consumers gift money if they use
its WeChat payment system.
举例来说，阿里巴巴最新的一轮宣传促销活动历时三天，从上周六至本周一，其范围涉及400多个城市中的近100万家店铺。顾客们可以通过使用支付宝扫码付款来获得优惠券或实现打折等目的。同时，腾讯也推出了类似策略，顾客通过使用微信支付会获得相应鼓励金或红包等，以此来推动其线上交易。
Responding to massive promotion campaigns, Chinese consumers, especially
those in big cities, have formed the habit of using mobile payment methods like
QR code payment.Responding to massive promotion campaigns, Chinese consumers,
especially those in big cities, have formed the habit of using mobile payment
methods like QR code payment.
在这些大型促销活动的影响下，中国各地的顾客，尤其是大城市里的顾客基本上都已养成了扫码支付的习惯。
In the second quarter of this year, total transactions by third-party
mobile payment tools exceeded 7.5 trillion yuan ($1.08 trillion), according to
data from Internet consultancy Analysys International.
据易观国际统计的数据显示，第三方移动支付在今年第二季度的交易总额已经超过了7.5万亿元(合1.08万亿美元)。
A survey from consultancy Deloitte released on December 5 showed that 78
percent of the respondents said they had used mobile payment options at least
once.
德勤咨询公司在12月5日发布了一则调查报告，报告显示将近78%的调查人群表示自己曾经至少使用过一次移动支付工具。
UnionPay cannot afford to lose out in this fast-growing market. In December
2015, UnionPay, together with more than 20 commercial banks, launched the Quick
Pass mobile payment tool. It is based on near-field communication (NFC)
technology, which enables consumers to make payments by tapping their
smartphones against payment terminals.
银联自然是不能错过前景如此可观的市场。早在2015年12月，银联就已携手20多家商业银行一同开启“云闪付”支付服务。该服务采用近场通讯技术，消费者只要将手机放置在POS机附近就可轻松完成付款。
But mobile payment based on NFC technology isn’t as popular as QR code
payments in China, as the latter is more convenient. "Most of our customers use
WeChat or Alipay, and very few of them use Apple Pay or Samsung Pay," a cashier
at a Carrefour store in Beijing’s Chaoyang district said on Sunday.
然而，鉴于二维码支付更方便易行的特点，“云闪付”并未达到扫码支付如此普及的效果。北京朝阳区一家家乐福超市的收纳员表示：“在我们这里买东西的顾客一般都用微信或支付宝付款，很少看见用苹果支付或三星支付的。”
UnionPay will face strong rivals in the QR code payment segment, as
consumers are already used to the QR code payment services of Alibaba and
Tencent, with Alibaba’s Alipay having a 55.4 percent share in China and Tencent
32.1 percent of the mobile payment sector in the second quarter, according to
data from Analysys International.
由于顾客们普遍采用支付宝和微信支付，银联要想在该领域开拓市场尚有一定难度。据易观国际统计，2016年第二季度，阿里集团在移动支付市场占有近55.4%的市场份额，腾讯占有将近32.1%的份额。
UnionPay also launched a promotion campaign for its Quick Pass mobile
payment tool recently. For instance, consumers at 7-11 convenience stores can
get a deduction of as much as 10 yuan from their purchases. But the company has
to make more inputs into promotion if it wants a foothold in the QR code payment
sector.
但与此同时，银联也在快速移动支付领域适时推出了全新的促销战略。比如，顾客在7-11商店买东西可获得多达10元的减免优惠。然而，银联若想在二维码支付领域占得先机，还需要花一些功夫在宣传和促销上。
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