Remittance supports domestic 17 major national commercial banks, and it can be received in real time, which is stable and convenient.
IPS supports the national 17 major national commercial banks, and the real-time receipt is stable and convenient.
Online bank transfer If you have already applied for the professional version of the bank card, you can pay the professional version online.
Question 2: What are the payment methods for online transactions?
To use online banking, buyers must first apply to the bank counter to open online banking. After opening, users can enjoy the connection with the bank without the limitation of space and time as long as they are on the computer and through the network. Through online banking, users can transfer money in real time, query account details and so on. Of course, online banking can be used for online transactions.
Second, cash payment.
Cash payment refers to the cash involved in the payment process, including cash on delivery, postal remittance and bank counter remittance. For sellers, cash on delivery is the best payment method, and cash on delivery makes sellers face great risks.
Third, third-party online payment.
The so-called third-party online payment means that some third-party independent institutions that have signed contracts with major banks and have certain strength and reputation guarantee provide trading platforms. After the buyer purchases the goods, he uses the account provided by the platform to pay for the goods, and the third party informs the seller to deliver the goods. The buyer can notify the seller to pay after inspection, and the third party will transfer the money to the seller's account.
Question 3: What are the tools for electronic payment? Credit card: Credit card is the main online payment tool and the earliest electronic money used in the world. Credit cards originated in the United States and have a history of more than 80 years. Credit cards set a consumption limit in advance according to the user's credit limit. Users can use the balance in the card and pay the minimum fee. Credit card issuing banks will charge some interest on outstanding loans.
Electronic check/debit card: In China, the scale of debit card is very large. At present, many banks in China support online payment by debit card, and debit card has become one of the main tools for people to make electronic payment at this stage. Cardholders can use debit cards for online payment as long as they handle related business in the bank. Compared with credit cards, debit cards are less risky.
E-cash: E-cash is the currency circulating in the form of data. It converts the cash value into a series of encrypted serial numbers, which can represent the monetary value of various amounts in reality. After users open an account in a bank that conducts electronic cash business and deposit the money in the account, they can shop in a merchant that accepts electronic cash.
Other electronic money: In addition to the above-mentioned electronic credit cards, electronic checks and electronic cash, there are also electronic payment tools such as electronic change, safe change, online money, digital currency, electronic wallet and online checks. The common characteristics of these payment tools are paperless, electronic and digital cash or currency, which is beneficial to transmission, payment and settlement in the network, the use of online banking and the realization of electronic payment.
Question 4: Who are the third parties for online payment? Alipay is used the most, and Tenpay can also be used.
Direct is online banking and credit card! ! !
Question 5: What are the main types of online payment tools? 5 points: Alipay, Tenpay, E-Pay, quick money payment, online banking.
Question 6: What are the commonly used online payment tools? The most commonly used ones in China should be Alipay and Tenpay. The most commonly used ones are: those who know the name quickly and have never used it; Baidu's: Baifubao has heard of unused ones; Anfutong PayPal Epro has talked about all the well-known and unknown third-party payment tools in China, as well as direct online banking payment.
Question 7: What common electronic payment tools will give you a CD or USB flash drive with payment plug-ins when each bank opens online banking? Maybe this is the payment tool. Or look for it on the bank official website.
Or online payment websites such as Alipay.
If you want to make electronic payment, you should generally open online banking in the bank. At this time, you can ask the clerk about the operation process or instructions.
I haven't seen any payment tools, because I have to enter the account password when paying, so it's better to use the tools that come with the bank.
Question 8: What e-wallets are the mainstream third-party payment tools? Take Alipay as an example. You can deposit your money in Alipay (e-wallet) and do some shopping.
A POS machine is a machine that swipes a card when shopping.
PayPal (Yi Bei Product)
Alipay (owned by Alibaba)
Tenpay (Tencent Company, Tencent Pat)
Quick money (a completely independent third-party payment platform)
Baifubao (Baidu C2C Baidu has)
Wang Yibao (under Netease)
Huanxun payment, remit the world,
Wait ~ ~
Question 9: What are the online payment methods? Opening online banking is safe and convenient. It is very convenient to transfer and remit money between cards and between cards, and it can also convert the deposits in the current account in the card into time deposits and fund gold futures, with very rich functions.
The ways of opening accounts in major banks are similar, but the details are different.
Take the Bank of China as an example.
1. Go to China Bank with your bank card (or get a new one) and ID card, and tell the lobby manager to open online banking. He will give you a form and tell you how to fill it out. You can open it at the counter after you fill it out.
2. After opening, you will receive two forms and a U shield (dynamic password card, which changes every 60 seconds), with your account name (8 digits) and password (password for calling your book in the process of handling). This can't be lost or given to strangers.
3. Log on to the official e-banking website (to prevent phishing websites, or it will be a disaster), and BOC only needs to follow the instructions.
When logging in to online banking for the first time, the page will prompt to install security controls, and you must click Install.
5. After logging in to online banking for the first time, you need to modify the login password of online banking and set it as a combination of letters and numbers.
6. After logging in to online banking for the first time, you should also set up reserved verification information to verify the identity of customers when paying online in the future, so as to improve the security of online payment. And once the transaction is completed, the transaction window should be closed in time for safety.
7. Remember the login password of online banking. If you forget it, you need to go to the original application network to solve it and reopen it.
Let's talk about this first. See the operating rules of the bank website for some details.
Question 10: What are the main tools for Internet financial sales? Internet finance mainly includes:
Payment product
The third-party payment tool is the earliest form of Internet financial products in China, represented by Alipay of Alibaba and Tenpay of Tencent. It was born before the release of UnionPay Super Online Banking. Its purpose is to help users use the bank card of any bank to settle accounts when trading on the Internet platform, and merchants do not need to set up accounts in each bank.
Typical product
Alipay mainly provides payment and wealth management services. Including online shopping secured transactions, online payment, transfer, credit card repayment, mobile phone recharge, water, electricity and coal payment, personal finance and many other fields.
Third-party payment is a typical example of using modern technology to solve financial problems. After the emergence of third-party payment products, it not only simplifies the payment process of users, but also allows small businesses to integrate payment behavior into their own products without deep cooperation with banks, bringing a better experience.
Financial products based on Internet
At this stage, Internet wealth management products are divided into two parts:
Peer to peer loan
P2P is the abbreviation of English peer to peer, which means "person to person". Internet credit originated in Britain, and then developed to the United States, Germany and other countries. Its typical model is that online credit companies provide a platform for borrowers and borrowers to bid freely and reach a deal. Lenders of funds receive interest income and bear risks; The borrower repays the principal when it is due, and the online loan company charges the intermediary service fee.
After taking root in China, a fund pool financing scheme based on online loan was derived, that is, users deposited their funds into a fund pool similar to the funds on the online loan platform, and the online loan platform screened and invited bids for the projects. This model is very similar to the bank's lending and storage model, so many P2P online lending platforms are counted as part of the shadow banking, wandering on the edge of the current law.
Typical product
Building block is a platform that uses Internet information technology to bridge the gap between borrowers with financing needs and investors with surplus financing funds on the Internet, helping investors find a balance between risks and benefits.
It is worth noting that, in essence, P2P online lending is still a kind of lending behavior, and any commitment to protect capital and income is impossible. The online loan platform provided by the guarantee company should pay attention to the qualification and strength of the guarantee company.
Internet fund
The typical representative of Internet funds is the "balance treasure" that people in the industry love and hate. We might as well use the mechanism of Yu 'ebao to explain the operation mode of Internet funds here: 1. Users deposit idle funds into Alibaba's virtual account Alipay; 2. User authorization allows Alibaba to use these funds for fund operation; 3. Alibaba will invest this part of the funds in funds that have signed cooperation agreements before; 4. Get revenue, and Alibaba returns the revenue of users.
Typical product
You can get a certain income by transferring money to Yu 'ebao. Support Alipay account balance payment, savings card (including one card) funds transfer fast payment. There is no handling fee. Through the "balance treasure", users can not only get the "interest" of the remaining funds in Alipay, but also get higher income than the interest of bank demand deposits.
crowdfunding
Not all crowdfunding can be called internet finance. Let's briefly introduce two directions of crowdfunding:
Reward crowdfunding: Reward crowdfunding does not belong to internet finance, but is a pre-order behavior of goods. Users pay part or all of the purchase expenses before the merchants make or develop the goods, and the merchants will cash the goods or services themselves after the goods are made. The advantage of this model is that merchants can accurately carry out production and development, know the accurate market reaction in advance and avoid blind production. Generally, in reward crowdfunding, merchants will set a lower limit of the total amount. If they fail to raise enough booking funds within a certain period of time (such as 30 days), then businesses will often give up crowdfunding. Roll call time in China, Jue.so in China, Monternet in China and crowdfunding in JD.COM are all reward crowdfunding.
Typical product
Roll call time introduced the crowdfunding model to China. At the initial stage of the website (20 1 1), publishing, film and television, music, design, science and technology, and even public welfare and personal behavior projects can be released in roll call time. At the beginning of 20 12, we accumulated the operating data for half a year, and found that the support rate and conversion rate of the overall project of the website exceeded many e-commerce platforms, and the funds raised by the project began to exceed 500,000. Roll call time began to attract the attention of the industry, and the crowdfunding model began ...