June 6, 2012
To understand the future of the currency and transactions, it is necessary
to understand the nature of money. The currency is the most important
properties is that it is not "really". As objects, coins, paper
money, debit card or credit card itself is of little value. The currency has
always been a form of data. Now it is going through a second digital evolution:
mobile technologies and cloud technologies online payment solution change the way people trading again.
Currency data show that, in order to buy goods or
services, the money from one entity to another entity. In the process of
civilization thousands of years, the currency has gone through several
evolution, they reflect the rise of human technology. These changes are not of
night. However, when the currency changes, the transactions will be as it along
with evolution. After all, the moving objects have inertia, tend to maintain a
state of motion.
The money is a topic of debate. About it everywhere: When
Fair mobile technology to take over? The new trading system look like? This is
only a number of technical experts and early adopters of daydreaming?
Pew Research Center's Internet & American Life Project
team and Elon University, "the idea of Internet centers"
cooperation, "the future of the currency. Investigation of the non-random,
1012 agreed to participate in the study of Internet experts and other users,
the research team published a report of up to 35. It is the past few years seen
the most comprehensive, most rational thinking in the future monetary one. The
researchers of the report researchers from companies and universities, there
are also entrepreneurs, venture capitalists, financial experts, and so on.
The Pew survey found that 21 percent of the mobile phone
owner had used a mobile banking service, these users, 90 percent of the people
to check their balance and most recent shopping activity. 46% of mobile users
on mobile devices to buy. Only 12% of the mobile phone owner mobile devices to
pay.
This situation may change, but may not be as mobile
payment company hoped so fast, many experts interviewed in the past year have
talked about the mobile payment market in the initial stage, the real user
behavior visible change will happen within the next two to three years. During
this time, the mobile payment experience shuffling process to decide the winner
and a dominant payment system. The winner is payment gateway Near Field Communication (NFC)
technology? "Beam," The technology can also have the opportunity
(this function with barcode scanner is roughly the same, but the reverse, that
is to launch a red laser information from the phone to the payment terminal).
QR Code is a more "mature" for mobile payment technology, but it may
just be a transitional technology.
Posted by wangxueru.
June 5, 2012
Problems and solutions of third-party payment industry
1)
The majority of third-party payment of a single
product (ie profitability of a single mode), referring simply to provide funds
trading platform.
Solution:
Optimize the enterprise product line, enriched products,
to meet the needs of different customer groups and competitive towards product
diversification.
2) the state third-party payment companies supervision is
not enough.
Solution:
With the issuance of license to pay, o... Continue reading...
Posted by wangxueru.
June 4, 2012
In addition, domestic barriers to credit card payments, but also to a certain
extent, limit phone card scenarios.As the country faces the risk of credit card
cash domestic phone card does not support the personal credit merchant processing card acceptance.
That is, if users need to pay the friend, can only use a debit card rather than
using credit card payment.
A payment industry experts told Sina science and technology, a very wide range
of scenarios of the U.S. credit card, wherever b...
Continue reading...
Posted by wangxueru.
June 2, 2012
I go to buy things only need to bring cash, they do not
card, simply "brush" your mobile phone - this is the "mobile payment"
is the most intuitive interpretation, the large-scale promotion in Japan.
China Telecom Shanghai Research Institute Niu Gang told
payment gateway reporters, business model development, as well as e-commerce and O2O (Online,
To Offline, upcoming line business opportunities and internet business models),
the popularity of smart phones, many applications will move to co...
Continue reading...
Posted by wangxueru.
June 1, 2012
Although the NFC into the iPhone or some other device, but did not prevent the booming development of mobile payment. According to Gartner's recently released research data revealed that the mobile payment transaction volume in 2012 will reach $ 171.5 billion, an increase of 60 percent from $ 105.9 billion credit card processing gateway last year; the number of users is increased from 160 million in 2011 to 212.2 million this year , an increase of 32%. Gartner also expects mobile payment tran... Continue reading...
Posted by wangxueru.
May 31, 2012
The past, the concept of e-commerce electronic payment, in
fact, the traditional economies in transition can also be leveraging e-commerce
to promote the "off".
Recently, Pearl River Financial Forum held in Guangzhou,
said Lihan Dong, deputy secretary general of the Guangdong Provincial
Government, Guangdong, Guangzhou credit card payment service electronic payment and e-commerce to accelerate
the development will contribute to the construction of the Guangdong financial
province and Gu...
Continue reading...
Posted by wangxueru.
May 30, 2012
With the electronic payment market rapidly bigger cake, whether it is banks, CUP, or just take the license year, the third-party payment companies, clasped tightly in this market. The rapid expansion of third-party payment service, which caused many banks to smell an unprecedented credit card payment service threat. The more some time ago came the news of ICBC contract with CUP Kara line credit card payments business disputes. However, in the electronic payment and e-commerce high-level forum... Continue reading...
Posted by wangxueru.
May 29, 2012
Online payment is a payment interface between the banks paid by third parties,
the benefits of this approach is that funds credit card processing gateway transfers from the user's bank card
to the website account, remittances arrive at once, the need to manually
confirm. And bank transfers（including the biggest difference is that online personal bank transfer
or bank counter cash transfer）can automatically confirm
the prepayment.
The basic process
Internet platform online for general pro...
Continue reading...
Posted by wangxueru.
May 28, 2012
Commercial banks are willing, the rise of third-party payment enterprises,
in fact, constitutes a competitive relationship with the bank's traditional
business to a certain extent. Internet payment from the initial start to the
next POS acquiring third-party payment enterprise customer base, the type of
business, increasing the overlapping range of the Bank. But the other side of
the coin is the third-party online payment solution enterprises cut away the traditional
banking business cake a... Continue reading...
Posted by wangxueru.
May 26, 2012
The attitude of government to third-party
payment service is closely related to the field of third-party payment
services, transaction flow, the way they operate, and market competition. When
more business go into the Internet business, government online support
providers will not be lower than the earlier information about information
security. Because a lot of economic data, industry data, transaction data will
be payment service providers related to the analysis of these data is po... Continue reading...
Posted by wangxueru.
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