Personal account payment: direct transfer of funds to specific personal accounts, and fund payment: centralized management and operation of funds to meet specific goals or needs.

Personal account payment refers to the direct transfer of funds into specific personal accounts through banks or third-party payment platforms, rather than corporate or institutional accounts, for personal transactions, retail, catering and other fields. Fund payment refers to the centralized management and operation of funds to meet specific goals or needs, and the specialized agencies are responsible for management and investment, so as to ensure the effective use of funds and maximize profits.