Electronic payment is the use of electronic terminals such as computers and the Internet to directly or indirectly issue payment instructions to financial institutions such as banks to realize currency payment and fund transfer, including card payment, telephone payment, online payment and mobile payment.
Electronic payment method online bank payment. This is the main way of electronic payment in China. The usage and activity of online banking has continued to rise in recent years. Not only that, personal online banking is growing faster. From the perspective of the composition of trading volume, although the enterprise is still the main body of online banking business, its proportion in the transaction volume is declining, and the proportion of personal online banking transactions is increasing year by year, which has become an important driving force for the growth of online banking transactions. .
Third party payment. Emerging payment methods represented by third-party payment have become an important part of China's electronic payment field. Compared with the ordinary electronic payment method, the third-party payment platform provides a series of application interface programs, which integrates various bank card payment methods into one interface, and is responsible for docking with the bank in transaction settlement. Therefore, consumers and businesses do not need to open different accounts in different banks, but help consumers reduce the cost of online shopping and help businesses reduce operating costs. Not only that, it is more inconvenient than the common online banking payment authentication procedure, complicated procedures, etc. In the third-party payment method, the negotiation between the merchant and the customer is completed by the third party, which makes the online transaction more simple and quick, and can also help Banks save on network development costs and bring potential profits to banks. In addition, the third-party payment platform itself is often attached to a large-scale portal website, and relies on the credit of commercial banks that cooperate with it. Therefore, it can better break through the credit problems in online transactions and help promote the sound development of e-commerce. . Finally, third-party payment platforms can provide value-added services, help merchant websites solve real-time transactions and trading system analysis, and provide convenient and quick refunds and stop trading services.
Since 2010, China's third-party payment model has gradually matured and has been widely used in e-commerce settlement. Since 2007, the transaction volume has increased year by year. However, in terms of growth rate, it is declining. The growth rate in 2011 was 67.7%, far lower than the average growth rate of 127.8% since 2007. The reason is that major commercial banks have stepped up their investment in online business, which has eliminated the gap between online banking and third-party payment in terms of payment convenience and security to a certain extent, thus attracting customers to return to online banking.
At present, China's third-party payment operation modes are mainly divided into two categories, one is an independent third-party payment platform, adopting an independent third-party payment gateway mode; the other is a non-independent third-party payment platform relying on e-commerce websites. Although the independent third-party payment platform is more extensive in terms of customers, it lacks a perfect credit rating system and its business scope is single. The non-independent third-party payment platform has obvious advantages in profit mode and risk control.
Mobile payment. The technology of wireless communication makes mobile internet possible. Globally, the amount of mobile payment transactions in 2011 increased by 112.9% over the previous year, and the mobile payment industry has entered a period of high growth. In China, the average growth rate of mobile payments in 2009-2011 reached 72.2%. From the perspective of business types, domestic mobile payment services have developed more comprehensively, including mobile payment services, mobile wallets, mobile banking and mobile credit platforms.
The development trend of electronic payment In general, bank cards such as savings cards and credit cards play an important role in China's current payment product system. However, credit cards designed with bank cards as carriers are unable to meet the online payment needs of the e-commerce era. It needs to be revolutionized according to the business requirements of e-commerce, mobile banking and convenient payment combined with new information technology. At the same time, with the development of solid-state storage technologies such as Internet, cloud computing, e-mail, short message, SNS, and SD card and USB flash drive, information storage and dissemination technology has made revolutionary progress, and in the future, virtualization and digital products and services It must become the basic component of electronic payment in the information age.
In terms of bank card payment, foreign bank cards have begun to use chip cards, and it is expected that in the next five years, China will gradually shift from magnetic stripe cards to chip cards. Microchips can also be embedded in watches, keys, clothing and jewelry, using radio frequency identification (RFID) technology. Looking further, the chip in physical form is only a way of identification. The developing identification methods include biometric methods such as fingerprints and sounds, as well as virtual bank cards and virtual currency (such as QQ coins).
Taking a credit card as an example, according to the credit card transaction rules, information on the five parameters of the card number, name, card expiration date, VVC authentication code, and card brand must be provided in the credit card transaction. Therefore, it is theoretically feasible to improve the security of online transactions by changing one or several parameters and their combinations, and also meet the needs of customer-customized personalized products. Specifically, by allowing customers to customize the credit card's validity period, the amount (within the credit limit of the entity's credit card), the bank card brand, and even the credit card number (within the bank's self-use number), the customer is Different credit card security parameters are set using the risk factor, transaction requirements, amount of money, and transaction frequency of the scenario to meet the customer's personalized requirements. In addition, the virtual credit card account developed based on standard credit card has the characteristics of international passage and wide acceptance, which reserves a broad space for subsequent development. For example, in the future, the customer's personalized virtual credit card can be written into the USIM card of the cooperative telecom operator to implement mobile payment, etc., and the personalized virtual account and password can be directly input into the POS terminal for payment settlement. From the perspective of product innovation in the “virtualization, convenience and personalization†of commercial banks, custom credit card virtual accounts can significantly improve the security and convenience of products while meeting the individual needs of customers, thus greatly improving the bank products. Market competitiveness in the field of online payment.
In terms of mobile payment, mobile phones have been widely used in the payment of public transportation, parking and shopping. In the future, mobile payment will mainly use NFC (Near Field Communication) technology, which is a close-range (within 10 cm) contactless identification technology. It is evolved from RFID and has a smaller transmission range than RFID. In addition, QR code payment will also become an important means of mobile payment. The use of mobile payment terminals like Square has turned the mobile phone into a mobile POS machine http://.
Electronic payment method online bank payment. This is the main way of electronic payment in China. The usage and activity of online banking has continued to rise in recent years. Not only that, personal online banking is growing faster. From the perspective of the composition of trading volume, although the enterprise is still the main body of online banking business, its proportion in the transaction volume is declining, and the proportion of personal online banking transactions is increasing year by year, which has become an important driving force for the growth of online banking transactions. .
Third party payment. Emerging payment methods represented by third-party payment have become an important part of China's electronic payment field. Compared with the ordinary electronic payment method, the third-party payment platform provides a series of application interface programs, which integrates various bank card payment methods into one interface, and is responsible for docking with the bank in transaction settlement. Therefore, consumers and businesses do not need to open different accounts in different banks, but help consumers reduce the cost of online shopping and help businesses reduce operating costs. Not only that, it is more inconvenient than the common online banking payment authentication procedure, complicated procedures, etc. In the third-party payment method, the negotiation between the merchant and the customer is completed by the third party, which makes the online transaction more simple and quick, and can also help Banks save on network development costs and bring potential profits to banks. In addition, the third-party payment platform itself is often attached to a large-scale portal website, and relies on the credit of commercial banks that cooperate with it. Therefore, it can better break through the credit problems in online transactions and help promote the sound development of e-commerce. . Finally, third-party payment platforms can provide value-added services, help merchant websites solve real-time transactions and trading system analysis, and provide convenient and quick refunds and stop trading services.
Since 2010, China's third-party payment model has gradually matured and has been widely used in e-commerce settlement. Since 2007, the transaction volume has increased year by year. However, in terms of growth rate, it is declining. The growth rate in 2011 was 67.7%, far lower than the average growth rate of 127.8% since 2007. The reason is that major commercial banks have stepped up their investment in online business, which has eliminated the gap between online banking and third-party payment in terms of payment convenience and security to a certain extent, thus attracting customers to return to online banking.
At present, China's third-party payment operation modes are mainly divided into two categories, one is an independent third-party payment platform, adopting an independent third-party payment gateway mode; the other is a non-independent third-party payment platform relying on e-commerce websites. Although the independent third-party payment platform is more extensive in terms of customers, it lacks a perfect credit rating system and its business scope is single. The non-independent third-party payment platform has obvious advantages in profit mode and risk control.
Mobile payment. The technology of wireless communication makes mobile internet possible. Globally, the amount of mobile payment transactions in 2011 increased by 112.9% over the previous year, and the mobile payment industry has entered a period of high growth. In China, the average growth rate of mobile payments in 2009-2011 reached 72.2%. From the perspective of business types, domestic mobile payment services have developed more comprehensively, including mobile payment services, mobile wallets, mobile banking and mobile credit platforms.
The development trend of electronic payment In general, bank cards such as savings cards and credit cards play an important role in China's current payment product system. However, credit cards designed with bank cards as carriers are unable to meet the online payment needs of the e-commerce era. It needs to be revolutionized according to the business requirements of e-commerce, mobile banking and convenient payment combined with new information technology. At the same time, with the development of solid-state storage technologies such as Internet, cloud computing, e-mail, short message, SNS, and SD card and USB flash drive, information storage and dissemination technology has made revolutionary progress, and in the future, virtualization and digital products and services It must become the basic component of electronic payment in the information age.
In terms of bank card payment, foreign bank cards have begun to use chip cards, and it is expected that in the next five years, China will gradually shift from magnetic stripe cards to chip cards. Microchips can also be embedded in watches, keys, clothing and jewelry, using radio frequency identification (RFID) technology. Looking further, the chip in physical form is only a way of identification. The developing identification methods include biometric methods such as fingerprints and sounds, as well as virtual bank cards and virtual currency (such as QQ coins).
Taking a credit card as an example, according to the credit card transaction rules, information on the five parameters of the card number, name, card expiration date, VVC authentication code, and card brand must be provided in the credit card transaction. Therefore, it is theoretically feasible to improve the security of online transactions by changing one or several parameters and their combinations, and also meet the needs of customer-customized personalized products. Specifically, by allowing customers to customize the credit card's validity period, the amount (within the credit limit of the entity's credit card), the bank card brand, and even the credit card number (within the bank's self-use number), the customer is Different credit card security parameters are set using the risk factor, transaction requirements, amount of money, and transaction frequency of the scenario to meet the customer's personalized requirements. In addition, the virtual credit card account developed based on standard credit card has the characteristics of international passage and wide acceptance, which reserves a broad space for subsequent development. For example, in the future, the customer's personalized virtual credit card can be written into the USIM card of the cooperative telecom operator to implement mobile payment, etc., and the personalized virtual account and password can be directly input into the POS terminal for payment settlement. From the perspective of product innovation in the “virtualization, convenience and personalization†of commercial banks, custom credit card virtual accounts can significantly improve the security and convenience of products while meeting the individual needs of customers, thus greatly improving the bank products. Market competitiveness in the field of online payment.
In terms of mobile payment, mobile phones have been widely used in the payment of public transportation, parking and shopping. In the future, mobile payment will mainly use NFC (Near Field Communication) technology, which is a close-range (within 10 cm) contactless identification technology. It is evolved from RFID and has a smaller transmission range than RFID. In addition, QR code payment will also become an important means of mobile payment. The use of mobile payment terminals like Square has turned the mobile phone into a mobile POS machine http://.
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