Did you pick mobile payment today?

Text: DaDa

Once upon a time, we increasingly lost sight of cash, replaced by one after another payment code and collection code. Anyway, DaDa said that since the rise of Alipay payment and Weixin Pay, Xiao Bian has not touched cash for a long time, even seeing it is rare, and the use of pos machine is also very rare. Once Weibo uploaded a paragraph: When a beggar begged along the street, passers-by told him that there was no cash for him, and then he calmly took out the collection code. Although it is for everyone's entertainment, it is enough to reflect the popularity of mobile payments. Not only that, have you heard that QQ's payment function has also been turned on (only available in self-service vending machines), Jingdong has also turned on online payment function (only available in self-service vending machines). Mobile payments have become a common phenomenon.

Mobile payment is also called mobile payment, as long as you carry your mobile phone, you can do everything. People often say that in the past, you had to take all kinds of things when you went far away. Now, you don't even have to take cash. A mobile phone can easily handle everything. Consumers send payment instructions directly or indirectly to bank financial institutions through mobile devices, the Internet or proximity sensing to generate monetary payment and fund transfer behaviors, thus realizing mobile payment functions. Mobile payment is mainly divided into two forms, one is remote payment and the other is near-field payment. Near-field payment means that we usually use mobile phone to swipe code to take a car, buy things, etc., which brings convenience to us; remote payment is the payment mode by sending payment instructions or by means of payment tools. For example: online banking, telephone banking, remittance, etc. According to the IDC report, the global mobile payment amount exceeded 1 trillion US dollars in 2017. Such strong data means that the global mobile payment business will continue to strengthen in the next few years. Mobile payment belongs to a kind of electronic payment mode, which is closely related to mobile communication technology, Internet technology and wireless radio frequency technology. It has its own characteristics.

Mobile payment mainly has the following characteristics:

mobility

Portable mobility eliminates distance and geographical restrictions, and combines with mobile communication technology to obtain services, applications, information and entertainment at any time and anywhere.

timeliness

Because it is not limited by time and place, information acquisition can be more timely, users can query accounts at any time, transfer or make purchases and other consumption behaviors.

customized

Based on advanced mobile communication technology and simple mobile phone operation interface, users can customize their own consumption mode and personalized service, and account transactions become simpler and more convenient.

integration

With mobile phones as carriers, information interaction can be carried out through close identification of terminal equipment. Operators can integrate various types of information such as mobile communication cards, bus cards, subway cards and bank cards into mobile phone carriers for centralized management, and build a supporting network system, so as to provide payment and identity authentication for users and ensure fund security.

Li Yinghao, founder of QFPay, once said that the birthplace of mobile payment is in the mainland of China, but the spread of mobile payment depends on "One Belt and One Road." In the mainland of China, experienced the whole mobile payment from 0 to 1 development. In 2011, cash payments were made. CCTV has also reported scanning a street: it is a street stall, as long as the code can be free to eat, drink and play. But most consumers said they would not accept it. Nowadays, in many places today, the other party does not ask you whether to pay cash, but will ask you WeChat or Alipay. This is the era of mobile payments 1.0. Li Yinghao's team gave priority to bringing mobile payment technology into Hong Kong and introducing aggregate payment in Hong Kong. The annual transaction volume grew at an alarming rate, mainly driven by tourists from the mainland of China. On this basis, it can be expanded throughout Asia, first of all, the "Belt and Road" countries. After the policy is liberalized, exchanges promote the development of mobile payments. These mobile payments in Asia are not only a change in payment methods, but also the key to the development of inclusive finance in the Belt and Road Initiative. It is precisely with such a mobile payment that merchants and consumers behind have such electronic wallets.

Well, that's all for today's sharing!