Huawei has obtained a third-party payment license, or has become a strong competitor of WeChat Pay and Alipay.

Du Nan News reporter Cheng Yang recently, the eye-catching investigation showed that Shenzhen Xunlian Zhifu Network Co., Ltd. (hereinafter referred to as "Xunlian Zhifu") had undergone industrial and commercial changes, and Shanghai Wareo Information Technology Co., Ltd. (hereinafter referred to as "Shanghai Wareo") withdrew as a shareholder and added Huawei Technology Co., Ltd. as a shareholder, with a shareholding ratio of 100%. Xunlian Zhifu became a wholly-owned subsidiary of Huawei, which means that Huawei officially has a third-party payment license, becoming the second mobile phone manufacturer with a payment license after Xiaomi.

Huawei's existing wallet, after taking the card, is still aimed at the whole scene of consumer finance business.

According to public information, Xunlian Zhifu was established in June 2065438+2003 with a registered capital of 200 million RMB and its legal representative is Wang Guanrong. The business scope of the company includes electronic payment, Internet payment, computer technology services, database and computer network services, online data processing and trading services, and information services. Wang Guanrong was the deputy director of the Payment and Settlement Department of the Head Office of China People's Bank and the vice president of Shanghai Rural Commercial Bank. He also served as director and general manager of Zheng Tong Co., Ltd. and director of Shanghai Fu You Payment Service Co., Ltd.

In addition, the record of historical changes in the past shows that this payment license in the hands of Lianxun Zhifu was once owned by ZTE. 20 15 12, ZTE released its mobile payment product ZTE Pay, which is called "ZTE Pay" in Chinese, and gave up this payment license in less than one year. Subsequently, Shanghai Wareo took over and chose to give up after four years of authorization.

Open Huawei's mobile phone, and there will be Huawei's own "wallet" APP in the factory configuration of the application. Enter the wallet page, and the payment function supports functions such as swiping card, paying code and sweeping. In the payment service of Huawei wallet, it also provides insurance, borrowing money, credit card application, mobile phone POS, transportation, mobile phone recharge and so on.

Du Nan reporter found that Huawei connected users' payment needs in the fields of food, clothing, housing and transportation through the wallet entrance. At the same time, Huawei Wallet also provides Huawei users' exclusive credit cards and "flower coins" payment methods. Flower coins are issued and managed by Huawei's payment platform, and various virtual digital goods provided by Huawei can be purchased. Reporters use flowers to buy goods and services on Huawei music, game malls and Huawei videos.

In fact, Huawei has already begun to lay out the payment field, as evidenced by the co-branded credit cards launched by mobile phone POS, Bi Hua and Huawei Card-CITIC Bank, Huawei and UnionPay. At the same time, before officially obtaining the license, Huawei signed a strategic cooperation agreement and a memorandum of cooperation on financial science and technology research with the Clearing Center of the People's Bank of China and the digital currency Research Institute of the People's Bank of China in 20 19.

In addition, it is worth noting that when digital currency was in full swing, Huawei took the lead in laying out digital RMB. Last year, Yu Chengdong, CEO of Huawei's consumer business, said at the new product launch conference that Huawei Mate40 series was the first smart phone in the world to support digital RMB hardware wallet.

Yu Chengdong introduced that Huawei, as one of the participants in digital RMB, participated in the specification formulation of digital RMB hardware wallet. The upgraded Huawei wallet of Huawei Mate40 series mobile phones supports digital RMB, which brings a safe and convenient new payment experience, controllable anonymous protection, dual offline transactions and massive scenes of the Internet of Everything.

It can be seen that Huawei has long been prepared in the field of payment. From the outside world, Huawei officially obtained the third-party payment license, which is not only the payment business, but also the construction of the entire financial service ecosystem. Because Huawei has a diversified product line, involving mobile phone business, smart home, smart car and other sectors, its payment business can open Huawei's full-scale consumer finance, or aim at new consumer finance business.

It once declared that "Huawei will not apply for a payment license" and now it is officially laid out.

In February this year, some media reported that Huawei had acquired the licensed payment institution Xunlian Zhifu, took over its related company functions, and recruited a large number of positions related to payment business.

However, five years ago, Su Jie, then president of Huawei's cloud service department, repeatedly claimed that Huawei would not apply for a payment license, and enterprises should have a sense of boundary. Now, judging from Huawei's actual actions, it has launched an important layout for the payment field and even the entire consumer finance field.

Wang Pengbo, a financial technology payment expert, also said in an interview with the media that Huawei has been making its own C-end products, that is, tapping the potential of offline businesses, such as traffic advertising and mobile phone distribution, which all require payment platforms. "As long as it is C-oriented, there must be a whole industrial chain in this area."

According to public data, Huawei has more than 200 million users in China and has a natural traffic portal. After winning the third-party payment license, it will focus on the payment business, or will focus on building future business directions such as consumer finance and cash loans.

In addition, from the outside world, Huawei will enter the payment field and become a strong competitor of WeChat payment and Alipay in the future. This layout of Huawei, on the one hand, prevents the data of third-party transactions from being snooped by competitors, on the other hand, retains user data and transaction information, and can also provide support for decision-making.

Everbright Securities believes that the third-party payment market in China is very large, but its share is basically monopolized by Alipay and Tenpay. With Internet head enterprises all starting to build their own payment platforms, it is not known whether they can shake the status of the two giants, but the participation of more enterprises will definitely intensify the competition in the payment field.