What are the real life applications of electronic payments?

The application of electronic payment in real life: online shopping, purchasing**, paying utility bills, credit card repayment, paying to read e-books.

1. Online shopping: Online shopping can be described as mobile payment.

The earliest "invasion" of the field, and numerous third-party payments.

Enterprises are also the first to make consumers aware of online shopping channels. Now with Alipay, Tenpay.

Mobile payment companies represented by fast money have opened mobile payment channels for online shopping. Taking everyone's most commonly used ** and Tmall shopping as an example, you can easily realize mobile payment anytime and anywhere by using mobile Alipay.

2. Purchase**: "Yue Bao" launched by Alipay.

The business will allow consumers to make money by "putting" money into their Alipay accounts. According to Alipay, the "Yue Bao" business launched this time will complete the process of opening an account and purchasing for users in one stop, and if the user chooses to use the funds in the "Yue Bao" to pay for shopping, it is equivalent to redeeming the currency.

Moreover, you can buy it from 1 yuan.

3. Pay water, electricity and gas bills: The water, electricity and gas bills in daily life should be the most frequent payment problem that consumers need to solve, and third-party payment companies are also using mobile payment to make consumers' lives more convenient. Lakala should be no stranger to many consumers who use mobile payment, and Lakala provides good support for water, electricity and gas and other lifestyle payments on mobile payment.

4. Credit card repayment: The use of credit card consumption has become the most common payment method today, but in real life, many credit card "card slaves" will fail to repay on time due to carelessness or business trips in other places, and it will also cause personal bad credit records if they are not careful. Third-party payment companies have launched mobile payment methods in a timely manner to solve the problem of credit card repayment.

According to the person in charge of Tenpay, at present, Tenpay has supported the online repayment of credit cards of 23 banks across the country, including Industrial Bank.

China CITIC Bank, Ping An Bank.

and Agricultural Bank of China have reached a cooperation with Tenpay, and users can realize real-time credit card repayment through the Tenpay platform.

5. Pay to read e-books: With the popularity of smart phones and mobile Internet.

With the rapid development of the country, people's reading habits have also been greatly affected, and now reading books and newspapers with mobile phones has become the mainstream. For senior book lovers, you can use your mobile phone to visit the "sea of books" built by literature anytime and anywhere, without having to carry heavy paper books on your back, which is more convenient in addition to more diversified choices. However, in the past, if you want to see paid content, you usually need to interrupt reading and switch to the PC side for recharge, which is very inconvenient.

Hello! Electronic payment is widely used in real life, such as mobile phone code payment, online banking, credit card swiping, etc., which have no real currency, and are all forms of electronic payment.

Electronic payment refers to the use of secure electronic means between consumers, merchants and financial institutions to securely transmit payment information to banks or corresponding processing institutions through information networks, and use them to realize monetary payment or capital flow.

In the 90s of the 20th century, the Internet rapidly became popular, gradually moving from universities, scientific research institutions to enterprises and families, and its function evolved from information sharing to a popular means of information dissemination, and commercial activities gradually entered the kingdom. Through the use of the Internet, which not only reduces costs, but also creates more business opportunities, e-commerce technology has been developed, making it gradually become the biggest hotspot for Internet applications. In order to adapt to the market trend of e-commerce, electronic payment has developed.

E-money, such as e-cash, e-wallets, etc.; Electronic credit cards, including smart cards, debit cards, ** cards, etc.; E-checks, such as e-checks, electronic remittances (EFTs), electronic transfers, etc. Each of these methods has its own characteristics and modes of operation, which are suitable for different trading processes.

Advantages: First, it saves time and effort: you don't have to go to the bank to queue up, and you can handle a number of payment services without leaving home;

Second, anytime, anywhere: no need to be limited by bank business hours and outlets, and enjoy convenient and efficient services at will;

The third is green and low-carbon: paperless and face-to-face transactions can effectively reduce energy consumption, which is both environmentally friendly and economical.

All in all, e-commerce as a business activity process will bring about an unprecedented revolution. In addition to the socio-economic impact on business, it will also have a huge impact on employment, the legal system, and culture and education. E-commerce will truly bring humanity into the information society.

Electronic payment characteristics: convenient, fast, efficient and economical.

Compared with traditional payment methods, electronic payment has the following characteristics:

1. Electronic payment uses advanced technology to complete information transmission through digital circulation, and its various payment methods are paid through digital means; The traditional payment method is to complete the payment through physical entities such as cash circulation, transfer of bills and bank exchange.

2. The working environment of electronic payment is based on an open system platform (i.e., the Internet); Traditional payments, on the other hand, operate in a more closed system.

3. Electronic payment uses the most advanced means of communication, such as Internet and extranet, while traditional payment uses traditional communication media; Electronic payment has high requirements for software and hardware facilities, generally requiring networked microcomputers, related software and some other supporting facilities, while traditional payment does not have such high requirements.

4. Electronic payment has the advantages of convenience, speed, efficiency and economy. As long as the user has a PC with Internet access, he can complete the entire payment process in a very short time without leaving home. The payment fee is equivalent to only a few tenths or even a few hundredths of a traditional payment.

1. The use of advanced information technology to complete the transmission of information (other payment methods are used in digital mode) 2. The working environment is based on an open system platform.

3. Adopt advanced means of communication, such as the Internet and extranet.

4. Convenient, fast and efficient.