What are the payment methods for mobile payment?

Mobile payment is a new type of payment method in the Internet era, which is centered on mobile terminals, and settles and pays for purchased products through mobile terminals, and the main form of mobile payment is mobile phone payment.

Mobile payments are derivatives of third-party payments. The so-called third-party payment refers to the transaction through the third-party payment platform, after the buyer purchases the goods, uses the account provided by the third-party platform to pay for the goods, and the third party notifies the seller that the payment has arrived and the goods are delivered; After the buyer inspects the item, the buyer notifies the seller of the payment, and the third party transfers the payment to the seller's account.

Some researchers believe that third-party payment essentially acts as a credit intermediary, providing a certain credit guarantee for the payment activities of transactions, so as to eliminate the credit risk problem caused by the asymmetric information between buyers and sellers.

Mobile payment refers to the use of mobile phones and other electronic products to make electronic money payment, mobile payment will be the Internet, terminal equipment, financial institutions effectively united, forming a new type of payment system, and mobile payment can not only be used for monetary payment, but also pay for phone bills, gas, water and electricity and other living expenses. Mobile payments have pioneered new payment methods and made e-money popular.

1. According to the amount paid by the user, it can be divided into micropayment and macro payment.

Micropayments: based on mobile payments.

This also includes proximity payments, such as paying for parking, etc.).

2. According to the technical conditions on which the payment is completed, it can be divided into near-field payment and remote payment.

Remote payment: refers to the payment via a mobile network.

Using air interfaces such as SMS and GPRS, it is connected to the background payment system to realize various payment functions such as transfer and consumption.

Near-field payment: refers to the realization of localized communication through mobile terminals with short-field wireless communication technology for monetary funds.

Payment method for transfers.

3. According to the nature of the payment account, it can be divided into bank card payment and third-party payment.

Account payment, communication collection account payment.

A bank card payment is a direct use of the bank's debit card.

or a credit card account in the form of payment.

Third-party account payment refers to providing users with payment and settlement with banks or financial institutions.

The channel service of the system interface is a payment service that realizes the functions of fund transfer and payment settlement. As an intermediary of payment and settlement services between the two parties, the third-party payment institution needs to provide payment service channels and realize the functions of transaction and fund transfer settlement arrangements through the third-party payment platform.

A communication collection account is a micropayment account provided by a mobile operator to its users, who purchase e-books on the Internet.

When virtual products such as songs, **, software, and games, the copper drum puppet mobile phone sends SMS and other methods for background authentication, and the bill is recorded in the user's communication bill, and the bill is collected at the end of the month.

4. According to the settlement mode of payment, it can be divided into timely payment and guaranteed payment.

Timely payment is when the payment service provider transfers the transaction funds from the buyer's account to the seller's account. Generally, it is used in business scenarios such as shopping in shopping malls, or in B2C and B2B e-commerce with high reputation.

Guaranteed payment means that the payment service provider receives the buyer's payment first, but does not pay the seller immediately, but notifies the seller that the payment has been frozen and the seller delivers the goods; After the buyer receives the goods and confirms them, the payment service provider transfers the payment to the seller's account.

1) Hebao payment: Hebao payment (formerly mobile payment) is a comprehensive mobile payment service provided by China Mobile Group for users, after opening a Hebao payment account and pre-depositing funds (recharge), you can use the payment account to complete remote consumption payments such as phone bill payment, Internet shopping, water, electricity and gas bill payment through SMS, Internet and other means of communication.

Quick payment: There is no need to open online banking, just associate the payment account with the bank card, and only need to enter the payment password of the package payment to complete the payment, which is the safest and most convenient payment method. At present, it supports bank card association and package payment accounts of 14 major banks, including Industrial and Commercial Bank of China, Agricultural Bank of China, and China Construction Bank.

Online banking payment: At present, it can support the personal version of online banking of 53 major domestic banks such as Industrial and Commercial Bank of China, Agricultural Bank of China, and China Merchants Bank.

2) Business hall payment.

All the general numbers of online number selection support the method of "self-pick-up at business outlets", and the online number selection support "self-pick-up at business outlets" method except for Changsha, Hengyang, Zhangjiajie and Changde.

3) Cash on delivery payment.

At present, only some products support cash on delivery, which is subject to the product display page.