wholesale stainless steel hip hop jewelry What are the main electronic wallets at home and abroad at home and abroad
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wholesale popular jewelry There are two concepts of sub -wallets: one is pure software, which is mainly used for online consumption and account management. Such software is usually connected with bank accounts or bank card accounts. The second is the smart storage card with a small amount of payment. The cardholder deposits a certain amount in the card in advance, and the transaction amount is deducted directly from the storage account during the transaction.
The electronic wallet is a payment tool commonly used in e -commerce shopping activities. It is a new wallet often used in small shopping or purchasing small products. Shopping with electronic wallets usually needs to be carried out in the electronic wallet service system. The software of electronic wallets in e -commerce activities is usually provided for free. You can directly use the electronic wallet software on the e -commerce system server connected to your own bank account. You can also adjust it from the Internet. Electronic wallet software. At present, there are two major electronic wallet service systems in VISACASH and Mondex. Other electronic wallet service systems also include CLIPs of EUROPAY and Proton of Belgium.
customers using electronic wallets are usually in banks. There are accounts. When using an electronic wallet, install the relevant application software to the e -commerce server, and use the electronic wallet service system to enter the data on your various electronic currencies or electronic financial cards. When receiving payment, if the customer wants to pay with an electronic credit card, for example, when receiving payment with VISA card or person card, the customer only needs to click the corresponding item (or the corresponding icon) to complete it. People often call this electronic payment method. Payment or electric shock payment method.
It can only be fully installed in electronic currencies in electronic wallets, that is, installing electronic cash, electronic change, security change, electronic credit cards, online currencies, digital currencies, etc. These electronic payment tools can support the click -through payment method.
The functional management module of electronic currency and electronic wallets in the e -commerce service system is called an electronic wallet manager. Customers can use it to change the confidential passage or confidentiality method, and use it to view themselves to view themselves Electronic currency accounts, lists and data on the bank account. There is also an electronic trading recorder in the e -commerce service system. Customers can understand what they buy and how much they buy through the query recorder. They can also print out the query results.
, although the use of electronic wallets often starts with a concentrated city or industry, but if different industries and regions develop their own electronic wallets, universal is an important issue. The universal effect brought by the unified standard enables different electronic wallet acceptance terminals to be shared at low cost. This is an important prerequisite for the development of electronic wallet cross -industry and cross -regional development. As far as my country is concerned, the financial IC card standards of the People's Bank of my country have formulated the standards of electronic wallets and electronic passbooks in my country, which laid the foundation for the development of the unified electronic wallet in China. At present, this standard does not formulate non -contact standards, which means that the standard cannot enter the largest application area of electronic wallet -traffic, so it needs to be further improved.
The current electronic wallets in my country are roughly divided into two categories: industry cards evolved in the industry card (or quasi -electronic wallet) and universal electronic wallets issued by banks. Due to historical and existing systems, the bus industry is the most developed field of the industry card and the cradle of electronic wallets in the industry.
The large and medium -sized cities in China are implementing bus card projects, and the standards and implementation methods are different. The bus card industry in Shanghai and Guangzhou has developed rapidly. The main reason is that the population base is relatively large, and its transaction volume and precipitation funds can bring rich profits to the project. According to incomplete statistics, there are more than 7 million bus "One Card" currently issued in Shanghai, and the circulation volume of "Yangcheng Tong" in Guangzhou has currently reached more than 2 million. The total traffic cards in the two cities have exceeded 10 million. Traffic cards, especially cross -industry applications, involve the image of urban information management and the vital interests of citizens. The government usually has a certain enthusiasm for promoting. Large cities such as Beijing, Wuhan, Nanjing, Jinan, and small and medium -sized cities are also promoting bus cards to varying degrees. Even small cities such as Wuxi and Suzhou are actively realizing "intercity" (that is, "one -cartoon" cross -crossing. Cities are common). It can be seen that the development trend of a card card is good.
. Another type of industry electronic wallet comparable to bus cards is a catering card issued by various places and commercial cards for shopping in supermarkets and department stores. This type of card is generally consumed by public funds, or It is the welfare of the company to employees, and has special advantages that other industries cannot reach in marketing.
In abroad, general electronic wallets are included in financial institutions supervision, and my country lacks the corresponding legal norms of electronic wallets. Therefore, various industries have entered the field of small payment fields, which have become universal electronic wallets and can only be followed. They can only adopt a method of gradual penetration. One card in Shanghai was used to pay water, electricity, gas, etc., and it can also be used in some supermarkets for shopping. The same is true of catering cards and commercial cards.
In except for industry cards, the IC card foundation issued by various banks based on the IC cards of the People's Bank of China is a general electronic wallet that meets the PBOC standard. Such as Beijing's peony traffic card, China Bank's petrochemical refueling card, and so on.
A although bank electronic wallets have appeared since the 1990s, in practical applications, they have not been generally promoted. So far, pure bank e -wallets (excluding joint cards) have only more than 2,000 issues.
If considering the overall income of commercial banks, the electronic wallet and debit card can absorb deposits without paying interest, do not occupy the bank background system and communication resources, and are large -income card species. However, there are still some difficulties in the promotion of electronic wallets. First of all, like the United States, the communication cost is greatly lower than that of Europe, and the advantages of offline transactions in electronic wallets are insignificant. In the small payment field that can be entered by bank debit cards and loan cards, except for the advantages of transaction speed, electronic wallets are lacking in other aspects. Secondly, the current small payment fields with high transaction speed requirements are highways, parking lots, subways, buses, taxis, and fast food restaurants. Non -contact cards are more practical. Standards, so the application of some small payment areas is limited. In addition, in terms of marketing methods, one of the important reasons why industry cards can promote is that it can issue commercial invoices, and the group purchases the main channel for selling value card sales, while bank electronic wallets do not have such marketing channels purchased by the group. Therefore, the investment of banks with pure payment function is very cautious.
of course, due to the needs of the competition in the industry, some industries have also begun to open their own business platforms, making full use of the advantages of the payment function of financial electronic wallets to attract more consumers.
The is widely used in electronic wallets, and people bring a lot of convenience !!