From manual bookkeeping and cash settlement to "zero contact" of platform payment and transaction, the UnionPay agricultural product production and marketing service platform has opened up the "field market" with innovative payment products. Shouguang, Shandong Province, is the hometown of vegetables. The planting area of protected vegetables is about 600000 mu, the annual output is 4.5 million tons, the daily vegetable turnover is more than 15 million kilograms, and the income from selling vegetables accounts for about 70% of the income of Shouguang farmers. In addition to large-scale industrial parks, there are still a large number of small-scale greenhouse planters. In the past, cooperatives mainly relied on manual bookkeeping and cash settlement when they purchased vegetables from door-to-door, which was cumbersome and error prone, and a large amount of cash was neither convenient nor safe. Data show that there are 66000 growers and 1532 vegetable cooperatives in Shouguang City, which are active in the "field market" during the vegetable picking period, with an annual transaction volume of 15 billion yuan. Han kuicheng, chairman of Shouguang rural commercial bank, introduced that in order to accurately solve this "pain point" and continuously improve the availability and convenience of financial services for residents, especially rural residents, Shouguang rural commercial bank and China UnionPay jointly launched the UnionPay production and marketing service platform, which was launched in November 2019. After the launch of the UnionPay production and marketing service platform, payment efficiency has been effectively improved. Vegetables and fruits no longer need to carry a large amount of cash, and payment is safer. Now, at the local vegetable purchase scene, one intelligent POS machine has become an important carrier connecting the whole process of vegetable purchase transactions. Relying on the production and marketing service POS machines and tools supported by the platform, growers can check the type, time and price of vegetables at any time and sell vegetables at a good price; Vegetable cooperatives take the platform as a link, associate orders and payment information, realize electronic reconciliation, initiate payment through orders, and conduct online settlement 24 hours a day. Funds arrive at the bank card accounts bound by farmers in real time, improving payment efficiency and security. After the acquisition, both parties can also view the details of each transaction in real time through the "cloud flash payment" app. Moreover, with the launch of smart electronic scales, vegetable and fruit trading is more convenient. The electronic scale can automatically record the type, weight and grade during the transaction. After the Vegetable Cooperative completes the unit price, the order and other information can be transmitted to the platform through the background, and the cooperative can directly make payments through the platform to achieve "zero contact" in vegetable transaction. So far, a production and marketing service platform integrating production and marketing matching, online bookkeeping, payment and settlement, rural credit and financing to benefit farmers has blossomed in the "Tiantou market". Diao Yuntao, general manager of China UnionPay Shandong Branch, said that with the "cloud flash payment" app as the carrier, the production and marketing service platform of UnionPay cooperatives has innovated and carried out financial agricultural products, businesses, brands and services, comprehensively promoted the "sinking" of mobile payment to the countryside, and solved many problems such as poor transaction settlement, cumbersome acquisition business and unsafe capital flow of fruit and vegetable cooperatives in its jurisdiction. In particular, since 2020, China UnionPay and Shouguang rural commercial bank have led by Party building. UnionPay Shandong Branch, gold card life under UnionPay and Shouguang rural commercial bank have jointly carried out party building, which has enhanced all-round cooperation between the two sides in business and Party building, and jointly promoted the comprehensive promotion of the UnionPay agricultural product production and marketing service platform in the local area. According to the data, by the end of July 2022, there were