棋牌服务器61.221.181.254加大力度布局场景建设

四方模式，在支付行业中指的“四方”包括卡组织、发卡行、收单行、商户，是目前国际银行卡产业的主流模式61.221.181.254。但此前以支付宝和腾讯财付通为代表的支付机构却是“三方模式”的代表，绕开了专门承担清算职能的卡组织，通过直连多家银行节省巨额业务成本。

2018年6月，央行发布《关于支付机构客户备付金全部集中交存有关事宜的通知》，到今年1月14日实现100%集中交存央行。数据显示，这一第三方机构客户备付金存款额度已达到万亿规模，这其中主要便来自于支付宝和腾讯财付通两大巨头。

这也意味着，两大巨头之前不需要清算费用的绝对优势不再存在，银联和两大巨头在业务成本投入的公平性上处于同一起跑线。

在移动支付市场，场景是用户流量的抓手，产品则是扎根立足的基础。在便民利民的思路引领下，近几年来，银联加大力度布局场景建设，交通、医疗等涉及民生的公共领域依然存在弯道超车的机会。

“虽然一些商业消费场景已成为巨头支付机构的垄断场景，但移动互联网的大门并未关闭，云闪付的发展势头实际上还在向上走。”在银联企划部副总经理贡钟瑞看来，在出行等移动支付场景上的争夺来看，银联并未示弱。

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