The speed of mobile payment has changed people's trading habits. From the mall to the supermarket, to the street vendor, the collection code is lit, the mobile phone is swept, and the money transaction is completed. Nowadays, scanning code payment has not only become a living habit of consumers, but also a collection habit of merchants.
However, from March 1 this year, the new rules on collection codes will be officially implemented. According to the notice previously issued by Chinese Min bank, after March 1, personal static collection codes are prohibited in principle from being used for remote non-face-to-face collection, and some users with obvious business behavior need to upgrade to operating collection codes in accordance with regulations.
No matter which of the "personal collection code", "personal operation collection code" or "merchant collection code" is used by the merchant, the user's experience will not change much compared with before. However, from the perspective of operators, it is necessary to adjust according to the new regulations. In particular, it will have a great impact on many gas stations that are still in the stage of personal collection codes, since the compliance operation of gas stations is the trend of the times, how should gas stations choose payment systems to achieve efficient, compliant and low-cost operation?
Although the payment is small, it is related to the overall operation and management of the gas station
Although there is no rate problem with the personal collection code, it only has the simplest collection function and will not have a greater impact on the operation. With the increasingly rich business of the gas station, the oil products purchase and sale inventory, non-oil product sales, user statistics, activity operations, financial statements, employee performance and other work content are very complicated, which brings a lot of pressure to the operation and management of the gas station.
The current payment methods of gas stations include cash, bank cards, fuel IC cards, membership cards, WeChat, Alipay and other ways. These payment methods are independent of each other, each payment institution provides its own payment channel, interface and payment access services, gas station personnel need to operate in the designated equipment and system according to the payment method selected by the customer, which not only reduces the operational efficiency, but also needs to separately account with the cooperative institutions, which greatly increases the difficulty of reconciliation.
The payment is only the front-end entrance to the entire business activity, and a series of data will be generated behind it. Refueling alone will involve more than ten dimensions such as license plate number, oil gun/oil product, consumption amount, refueling increase, preferential amount, membership points and so on. For those gas stations that do not have digital management capabilities, daily data statistics are a huge project, operators need to classify and check one small ticket after another, and heavy work squeezes out a lot of time and energy of gas station operators.
A digital management system to get all the needs of the gas station operation
At this stage, many gas stations are facing such a problem: even the boss often has to rush to various sites for oil retail, inventory and various business reports, as well as complicated information such as employees and member customers, and it has been difficult to improve work efficiency. Moreover, with the increase in oil sales and the continuous change of marketing models, there are more and more places that need to be controlled, and if employees are negligent or unskilled, they will bring a lot of repetitive work. Therefore, it is not enough for the gas station to have an advanced payment system, and a mature and perfect digital management system is the key to improving operational efficiency.
In view of the backwardness of the existing management system and inconvenient operation of most private oil stations, the smart gas station solution of Nengchain Cloud builds a smart management system that integrates various functions such as agglomeration payment, smart zero pipe, non-oil sales, membership management, and financial analysis for the gas station from the perspective of the whole station operation.
In terms of payment, the chain cloud aggregates WeChat Alipay payment, membership card payment, bank card payment, brush face payment, ETC payment, license plate payment, third-party payment and most of the payment methods on the market, solving the pain points of gas station payment diversification, and operators only need a collection code, a chain cloud POS machine or a dual-screen machine with full-function aggregation to achieve easy cash register. Aggregate payment will unify the reconciliation format and unified cycle settlement of each payment channel to achieve automatic reconciliation and greatly improve the efficiency of reconciliation. Employees can hold the device to collect, verify coupons and other operations, through the self-service large-screen machine, customers can also self-service payment and invoicing, greatly alleviating the cashier pressure of the gas station. In addition, Nengchain Cloud can also provide innovative payment experiences such as ETC automatic payment and license plate payment.
In addition to the payment system, the solution also provides intelligent data analysis and financial management functions to help the gas station improve the quality of operation. Smart data analysis summarizes the data such as the operation of the gas station, marketing effect, and employee performance in the background, and automatically forms a visual report. Operators can flexibly adjust their business strategies according to the report data. In order to facilitate the analysis of operators, smart data analysis visualizes various types of operating data and key indicators, and the operation consultant will regularly conduct in-depth data analysis for the gas station, and combine the professional operation angle to make business suggestions to the gas station operator.
The financial management function closely combines the front desk settlement with the background reconciliation, and the settlement data can be counted according to multiple dimensions such as oil products, flash payment, oil card, etc., and multi-terminal reconciliation is carried out through POS machines, dual-screen machines, merchant assistant mini programs, merchant backgrounds and other terminals. In the reconciliation stage, the system supports cross-site reconciliation of consumption data, eliminating the problem that operators cannot reconcile the accounts uniformly because the data is scattered in various stations. Because the system can manage the permissions of different roles of the account, such as setting the corresponding permissions according to the refueler, cashier, treasurer, and administrator, it also improves the security of the finance.
At present, gas station operators are gradually bidding farewell to their comfort zones and entering an era of fierce competition. In this case, digitalization is the only way for gas stations to cope with competition and improve the quality of operations. The digital transformation of the gas station is not an overnight achievement, which requires the determination and patience of the operators, but as long as the digital capabilities are consolidated, the gas station will stand on a higher starting line and face the challenge with more sufficient confidence.