Payment method of virtual currency E-commerce
WeChat payment, Alipay, mobile payment, all belong to the network virtual currency, all of these three belong to China's legitimate trading means, and are protected by relevant laws. p> The network virtual currency refers to the online equivalent, which is stored in the network or related electronic equipment in the form of digitization by a certain issuing body based on the public information network and by means of computer technology and communication technology, and realizes the functions of circulation and payment by means of data transmission through the network system
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the third party payment has significant characteristics:
1. The third party payment platform provides a series of application interface programs, which integrates a variety of bank card payment methods into one interface and is responsible for docking with banks in transaction settlement, making online shopping faster and more convenient
Compared with other payment protocols such as SSL and set, the third-party payment platform is more simple and easy to accept The third-party payment platform itself is attached to the large-scale portal website and relies on the credit of the bank with which it cooperates. Therefore, the third-party payment platform can better break through the credit problems in online transactions and promote the rapid development of e-commerceVirtual currency is the currency used for electronic circulation. Now the scope of virtual currency is very large, including q-coin, bitcoin and so on. With the development of digital currency, virtual currency is becoming more and more abundant, which may become the mainstream in the future. For example, BTC, EOS, bcbot and so on are not only virtual currencies, but also algorithms, landing projects and technologies
virtual currency is mainly issued by online game service providers to purchase game props, such as equipment, clothing, etc. But at present, the use of virtual currency has gone far beyond this category. Virtual currency can be used to buy game cards, physical objects and download services of some movies and software
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real risk
as the proct of e-commerce, virtual currency has begun to play an increasingly important role, and it is more and more connected with the real world. However, with the growth of virtual currency, the relevant laws and regulations are lagging behind, which has laid many hidden dangers
fraud
the private transaction of online virtual currency has realized the two-way circulation between virtual currency and RMB to a certain extent. The activity of these traders is to buy all kinds of virtual currencies and procts at a low price, and then sell them at a high price to earn profits. With the increase of such transactions, there are even virtual mints. In addition to the virtual currency provided by the main company, there are also some people who specialize in "virtual coin making" to obtain virtual currency by playing games and then resell it to other players
Taking Wenzhou as an example, there are about seven or eight such "virtual mints" with four or five hundred practitioners. This not only creates a bubble for the price of the virtual currency itself, but also causes trouble for the normal sale of the issuing company. It also provides a platform for selling and collecting money and money laundering for various cyber crimes. p>
impact system
in modern financial system, the issuers of money are generally central banks, which are responsible for the management and supervision of money operation. As the equivalent exchange goods used to replace the real currency circulation on the Internet, the virtual currency on the Internet is essentially the same as the real currency. The difference is that the issuers are no longer central banks, but Internet companies
if the development of virtual currency makes it form a unified market, each company can exchange with each other, or virtual currency is integrated and unified, and all of them are based on the same standard and price, then in a sense, virtual currency is currency, which is likely to form a threat impact on the traditional financial system or economic operation
reference: network virtual currency
virtual currency and electronic currency are not the same concept
the definition of e-money is to convert a certain amount of cash or deposit from the issuer and obtain data representing the same amount. By using some electronic methods, the data can be directly transferred to the payment object, so as to pay off the debt. E-money means that consumers pay traditional money to issuers of e-money, and issuers store legal money of equal value with traditional money in electronic devices held by consumers
electronic currency is the electronization of the legal tender, including our common bank cards, Internet banking, electronic cash, etc., as well as the third party payment developed in recent years, such as Alipay, fortune paid and so on. No matter what form these electronic currencies are and through which institutions they circulate, their original source is the legal money issued by the central bank
but virtual currency is the electronization of illegal currency, and its original issuer is not the central bank. For example, Tencent Q currency and other game currency, such virtual currency is mainly limited to circulation in a specific virtual environment. After the emergence of bitcoin, through the blockchain technology to better solve the problem of decentralization, distrust, to achieve global circulation, is sought after in the world. Electronic currency and virtual currency are collectively referred to as digital currency
the impact of virtual currency on e-commerce is as follows:
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the impact of virtual currency on the financial system
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the network security of virtual currency
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inflation in the virtual world
the platform is called Tongxin society. It is a network mutual aid service platform based on blockchain + Internet technology. It provides technical service platform and solutions for the increasingly prosperous network mutual aid organizations. It is the first landing application of blockchain technology in China.
basic introction:
1 and Alipay (China) Network Technology Co., Ltd. is the leading third party payment platform in China, and is committed to providing "simple, safe and fast" payment solutions. Since its establishment in 2004, Alipay has always regarded "trust" as the core of procts and services. It has two independent brands: "Alipay" and "Alipay wallet". Since the second quarter of 2014, it has become the largest mobile payment manufacturer in the world
2. Internet bank or e-bank includes two levels of meaning: one is the concept of institution, which refers to the bank that starts business through information network; The other is the concept of business, which refers to the financial services provided by banks through information network, including traditional banking business and emerging business brought by the application of information technology. In our daily life and work, we refer to the second level concept of online banking, that is, the concept of online banking services. Online banking is not only the simple transfer of traditional banking procts from the Internet, but also the change of other service methods and connotation. Moreover, e to the application of information technology, new business varieties have been proced
3. Wechat payment is a payment function integrated in wechat client, which enables users to complete the fast payment process through mobile phones. Wechat payment is based on fast payment with bank card, providing users with safe, fast and efficient payment services.
although computer experts have made great efforts in the security of online banking and taken a variety of measures, the attacks of network hackers still make experts headache. Security is still the key and most important issue in electronic payment. From the current development of electronic payment in China, we need to solve the following problems: (1) actively move closer to the international standard of electronic payment 2) The establishment of certification authority (CA) 3) Vigorously develop the security technology of electronic payment< There are several payment methods in electronic payment, each of which has its own characteristics, and sometimes the two payment methods can not be compatible with each other. In this way, when the parties in electronic transactions adopt different payment methods and these payment methods are not compatible with each other, It is impossible for the two sides to make payment by means of electronic payment, thus the transaction on the Internet cannot be realized. Therefore, from the perspective of promoting e-commerce, it is necessary to strive to unify various payment methods, and integrate various payment methods to form a more perfect payment method< We know that the exchange rate between different currencies is constantly changing. In this way, there is a problem in cross-border electronic transactions, that is, how do Internet consumers in one country understand the price of procts quoted by sellers in another country in the currency of the cost country. This issue is crucial because it directly affects people's potential desire to buy. The best solution is to integrate the automatic currency exchange software into the e-commerce server to realize the global e-commerce processing service. In this way, anyone can shop anywhere in the world through the Internet< With the popularity of Internet in recent years, people have begun to try new methods of cross-border electronic payment. In view of the rapid changes in the technological environment, it is difficult to formulate practical and simple laws and regulations, because they are too strict and lack of flexibility< At present, the legislation of electronic payment in China has just started, and a large number of new legal issues need to be studied:
(1) the definition and characteristics of electronic payment. Electronic payment is a kind of payment behavior implemented through the network, which is similar to the traditional payment and payment methods. It also causes the occurrence, change and elimination of the legal relationship involving capital conversion< (2) the right of electronic payment. The parties of electronic payment include payer, payee, bank and sometimes intermediary. The status of the parties in the payment activities must be clear, and then determine the acquisition and elimination of the rights of the parties. The problems involved in this aspect are quite complicated< (3) the forgery, alteration, alteration and erasure of electronic payment. In the electronic payment activities, e to the rampant destruction of network hackers, the problems of payment data forgery, alteration, alteration and erasure are becoming more and more prominent, and the impact on society is becoming greater and greater< (4) the development of criminal reconnaissance technology. Due to the rapid development of computer technology, new electronic payment methods emerge in endlessly, each method has its own technical characteristics, will proce new legal disputes.
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