[Net letter class] Let’s talk about mobile payment.

Classmate:Brother Wangxin, have you paid attention to the 40th Statistical Report on Internet Development in China recently released? I heard that 502 million people are already using mobile payment!

Net letter brother:Of course, I know this kind of big event as a small person with online letters! Now, when you are away from home, you can eat, ride, shop in the mall … You can almost make all payments with your mobile phone. Mobile payment applications are becoming a part of our lives, and more and more people use mobile payment. I believe this number will rise again! Let’s talk about mobile payment today.

Classmate:OK! Although I am in contact with mobile payment every day, I have never understood what mobile payment is. Can you tell us something about it?

Net letter brother:Mobile payment, also known as mobile payment, is a service mode that allows users to use their mobile terminals (usually mobile phones) to pay for the goods or services they consume. Units or individuals directly or indirectly send payment instructions to bank financial institutions through mobile devices, the Internet or short-range sensing to generate monetary payment and fund transfer behaviors, thus realizing the mobile payment function. Mobile payment integrates terminal equipment, Internet, application providers and financial institutions to provide users with financial services such as monetary payment and payment.

Classmate:I’m still a little confused after your explanation. Can you be a little more grounded?

Net letter brother:Let’s just say that mobile payment is mainly divided into near-field payment and remote payment. Near-field payment means that when consumers buy goods or services, they immediately pay the merchants through their mobile phones, and the payment is processed on the spot. Remote payment refers to payment by sending instructions, such as online banking and telephone banking, or by means of payment tools, such as electronic remittance.

Classmate:I know! Just like scanning code payment and brushing face payment.

Net letter brother:Yes, what you just said is the specific mobile payment method. At present, scanning code payment is the main way for us to use mobile payment. In fact, biometric technology has also been applied to the field of mobile payment, in addition to the face payment you just mentioned, there are also iris payments.

Let me introduce you to a new thing. Now AR and VR are also applied to the payment field. As long as you wear AR/VR glasses, whether it’s shopping, live broadcast or games, as long as payment is involved, you can directly complete the payment by touching, staring and nodding. However, the payment technology of AR/VR is still in the experimental stage of development. If you want to experience the immersive shopping method, you have to wait for the innovation and popularization of new technologies.

Classmate:So many means of mobile payment can guarantee our payment security?

Net letter brother:Mobile payment also has unsafe factors, and "e-wallet" also needs to be alert to "pickpockets". Try not to use the mobile phone number when registering the payment account. It is recommended to use a complicated user name, set a complicated payment password and change it regularly. Try to bind credit cards instead of debit cards, because credit cards often have compensation regulations; Don’t easily scan the QR code from unknown sources when paying. In addition, we should take active measures after the loss, and we must call the official customer service of the bank or online payment enterprise to inform the situation at the first time, and call 110 to report the case to the public security organ in time to prevent the loss from further expanding.

Many online payment companies have been exploring safer payment methods, hoping that the security problem of "e-wallet" can be effectively solved in the future development of mobile payment services.

Classmate:I believe that the security risks will become smaller and smaller, because our mobile payment is developing really fast! I heard that many foreign students recently selected "Four New Inventions of China", and Alipay was elected with a high vote. Not long ago, German online celebrity Afu, who lived in China for 10 years, also wrote a letter to Chancellor Merkel, strongly calling on Germany to learn from China’s successful experience in developing mobile payment.

Net letter brother:Yeah! Although the mobile payment business first appeared in the United States in the 1990s, and China started late, as a rising star, mobile payment in China has developed rapidly, not only attracting many foreigners in China, but also online payment companies have explored overseas markets, allowing payment applications to reach netizens in different regions of the world.

At present, China’s online payment enterprises are located in Europe, America, Japan, South Korea, Southeast Asia and other countries and regions, covering almost all occasions of eating, drinking and having fun, such as restaurants, supermarkets, department stores, convenience stores, duty-free shops, theme parks and overseas airports. Mobile payment companies go overseas, and it is much more convenient for us to go abroad.

In the future, let’s wait and see how mobile payment will develop and what changes it can bring to life!

(Comprehensive: People’s Daily, Economic Daily, Xinhuanet, Guangming.com, China.com)