Digital currency payment channel
the three party payment tools such as digital currency and Alipay and WeChat payment are different. The payment of Alipay and WeChat is a well-known third party payment tool in China. Digital money is also possible in theory, but the market share of digital money in the field of payment is still very low.
1、 Different monetary attributes
1. Digital currency:
digital currency belongs to legal tender
2. Wechat:
wechat belongs to the third-party payment instrument P>
3, Alipay:
Alipay belongs to the third party payment tool. p>
2. Different issuers
1. Digital currency:
the issuer of digital currency is the central bank
2. Wechat:
the clearing Party of wechat is a commercial bank P>
3, Alipay:
Alipay's settlement party is commercial bank. p>
extended data
in the third-party payment mode, the buyer uses the account provided by the third-party platform to pay for the goods (to the third party), and the third party notifies the seller of the arrival of the goods and requires delivery; After receiving the goods, inspecting the goods and confirming, the buyer shall notify the third party for payment; The third party transfers the money to the seller's account
digital currency can be considered as a virtual currency based on node network and digital encryption algorithm. The core characteristics of digital currency are mainly reflected in three aspects:
1. Due to some open algorithms, digital currency has no issuing subject, so no one or organization can control its issuing
Because the number of algorithm solutions is determined, the total amount of digital currency is fixed, which fundamentally eliminates the possibility of inflation caused by the overuse of virtual currency3. Because the transaction process needs the approval of each node in the network, the transaction process of digital currency is safe enough
It must be domestic
for domestic distribution. If it's international
it's hard for many people to understand
Web links
many partners who are more interested in investment and financial management may also hear about some digital currencies such as blockchain in their daily life, and there are various subdivisions for these blockchains for example, the blockchain model with or without currency or some data or digital currency will have different performance. From the current point of view, whether some methods of raising some funds through initial issuance are legal or not, such behavior has always existed with the development of blockchain. Moreover, there are no relevant regulations in the law, so there are no clear provisions on whether this kind of behavior is legal or not
we know some concepts of blockchain, but most of them are words like decentralization or leverage. However, the whole operation mode of non currency blockchain is inconsistent with these definitions in principle . Therefore, when you hear about some non currency blockchain, you will feel that this mode is against the law or against the traditional financial investment. There is a great difference between this kind of non currency blockchain and the traditional blockchain, so it can not be called a real blockchain
with the continuous development and progress of society, great changes have taken place in our lifestyle, such as mobile payment and online shopping, which have brought great convenience to our life. Since the birth of online shopping, online payment has become a part of our life
online shopping is convenient, but it is also through the middle of a "invisible" process of payment, such as we bought something on the Internet, first pick out what you love, then you have to pay the problem:
now most people use Alipay is the way of payment, then first Alipay will receive payment request. Then it initiates the protocol to the network, saves the information to the database, and forwards the request to the bank. When the Alipay account shows that the dection is successful, it will have to be connected to the bank through the Internet. Then the buyer will confirm receipt after receiving the goods, so that the buyer will dect the money before transferring to the seller's account. Not only is the transaction process too cumbersome and complex, it is clear that the transaction between the two parties has to go through a series of links. More importantly, once the intermediate payment link collapses, the whole transaction will stop, and the subsequent operation is really troublesome
in fact, the popular explanation is that when I want to buy something, I give the money to the middleman and ask him to help the seller. If the middleman makes any mistakes, it may lead to the situation that the money can not be recovered and the goods can not be obtained
is there any way to simplify the transaction process and improve the transaction efficiency? Yes, the current hot blockchain technology and digital currency payment can better solve the above problems:
blockchain has become one of the hot topics in the past two years. Blockchain can replace the existence of these third-party services:
first, blockchain can not be tampered with. Every transaction will be distributed to each block for record keeping, Then use cryptography to verify, any malicious damage or record deletion will be found, so the whole process of shopping will be seen. Blockchain strengthens the trust, traceability and transparency in the transaction, making our transaction faster and more convenient<
the second is the unique payment characteristics of digital currency:
the decentralization of digital currency can eliminate the intervention of the third party, and there is no need to worry about the problems of the third party, resulting in the whole transaction payment process can not continue
the point-to-point transmission of digital currency saves the time link in the whole payment process and realizes fast payment, so that both parties can receive money quickly and save time
openness and transparency of digital currency: except for cash transactions, all transactions based on online payment are just a series of numbers, and all transactions of digital currency are open and transparent. You can check the transaction records of all payments, which can ensure the security of the overall commodity payment
and like China's booming WeChat, Alipay and other payment platforms, cross-border payment has been realized, but there is a problem that fees will be more expensive than domestic payments, and the settlement cycle will be longer than domestic. In general, efficiency will be slow, time is long, and hand renewal is expensive. Digital money will make traditional transactions "no longer traditional". That will also make cross-border payment more efficient: digital currency is not subject to the "constraints" of any country or bank. Based on blockchain technology, it can just bypass this centralized system with low handling charges, and its point-to-point transmission transaction characteristics can effectively improve the current problems of long-time and high cost of cross-border payment
the times have been developing, and the way of life is constantly improving. Online shopping and payment are born from our development, with both advantages and disadvantages. Then we will try our best to push everything in a better direction
digital currency is on the rise. Although the current digital currency is not perfect, many countries have begun to use digital currency as a payment method. Due to the various characteristics of digital currency, bitcoin, Ethernet, Las Y2, QTP (wechat ID: yingbivc), ASEC and other digital currencies are being actively used. They can not only simplify the traditional online payment transaction process, but also circulate payment around the world and rece exchange rate issues such as handling charges. Don't just look at digital currency with one eye. Maybe in the near future, it will open the era of digital currency full payment!
it refers to the specific provider of payment acceptance ability or the channel Party of three-party jump, as well as the acquiring party and clearing party. In mainland China, there are banks, UnionPay, third-party payment companies, etc. Third party payment company channel, in fact, refers to the payment channel of third party payment
if we only choose one of the third-party payment channels, is the choice a little narrower? As long as we can provide this kind of service, can we all know about it, especially their advantages and disadvantages
third party payment company started in 2012, and has grown rapidly in recent years, especially Alipay WeChat, which occupies more than 9 of the market share. However, after the people's Bank of China has been cut off from direct links, the central bank's high paying policy has been continuously launched. The market space and profit mode of the third party payment have been compressed and the competitiveness is becoming smaller and smaller. In addition to having their own scenes, except for their own models (WeChat, Alipay), the advantage of the third party payment is flexibility, demand, service, agility and flexibility.
and then there is the bank, which has always served the people and has all financial attributes. Banks can do a lot of things that third-party payment can't do, and the bankers are big and big. In mainland China, they are supported or supported by the state or the government or the local government, especially after the introction of digital currency, which further promotes the market position in payment, Third party payment is also a channel for further downsizing. Although the bank's compliance requirements are high and the cooperation is troublesome, what it can do is no problem. What's more, the bank can provide more content and support
from the above introction, it can be seen that bank payment channels are more in line with the trend of national financial policies. In fact, how to choose depends on your own needs and situation.
now, Wanrui Weiguan has established an open platform for digital life, established channel cooperation with many banks, and provided payment channel jump services for many partners, We don't have to do the technical docking of complex technologies with major banks. It costs a lot of time and technology. We can use it through direct cooperation. I hope this answer can help you