|The main framework of mobile payments in the global market is built by linking credit cards or bank accounts, with the connection of information flow and cash flow to support the business model. However, with the growing customer demand of instant access to credit cards, E.SUN Bank has launched the mobile payment instant card linking model that allows customers to use their credit cards by linking them to the Pi Mobile Wallet even without receiving the physical card. The first collaboration of its kind, the Mobile Payment Instant Card Linking model was developed to create a credit card product that is different from those currently available the market. The instant card-linking system modules have been self-developed by E.SUN Bank and designed as a standardized and modularization system process with consistent specifications.
In addition to reducing the difficulty for system development and linking, it can also reserve flexible space for customization. Therefore, through the redesign of the arrangement of the modules in the future, other operators’ mobile payment wallets can be built in to expand the partnership channels. This industry-leading innovative service has also received a utility model patent from Taiwan Intellectual Property Office (Patent No. M572510), which is a strong testament to the success of this service.