Let s talk about it, what do you want to say about the current mobile phone payment?

I have concerns about the security of mobile payments, such as the Alipay app, the username and password can be saved, in case the phone is stolen, others can directly transfer the money or spend it.

I would like to say that mobile payment should be dominated by banks, and each payment should go directly into my bank account, and banks should resolutely implement the principle of 'voluntary deposits, free withdrawals, interest-bearing deposits, and confidentiality for depositors', and platforms like Alipay should be gradually abolished....

As a member of the public, we don't need to worry about whether mobile payment is reasonable or whether it will replace cash payment, just like the progress of automobiles does not hinder the travel of bicycles, we can have the right to choose our own convenience.

It not only saves the trouble of carrying a wallet, saves the inconvenience of finding change, and saves time; It is also convenient for buyers and sellers to trade.

Don't make me use my phone to enter the password back and forth several times, it's painful. Isn't there a front-facing camera? How about doing personal face recognition, as soon as I saw that the owner of the mobile phone was right, the money went out.

With the rise of mobile payments, all sorts of online scams have emerged. For example, scanning *** to give a small gift for free, while scanning ***, personal information is also leaked.

As long as the password is not revealed, there should be no major problem, unless you disclose personal information, it will not cause mobile payment to be insecure.

It is not convenient to set up, and international cards and accounts are not allowed. Even with a Chinese bank account, it took us months to try before WeChat accepted my account link. This is due to a misspelling of my name.

As long as you go out, it is enough to bring your mobile phone, and there are many payment methods at the small pancake stall, which is so convenient.

Cash should also be carried, but you can bring less.

I am more faithful to use online payment, except for some purchases that can only be made in cash, others can be paid by mobile phone.

First, payment

Of course, it is very convenient to use online payment, except that you can scan the red envelope code during this time, and you can use online payment to deduct some amounts every day. It is necessary to bring a mobile phone when you go out every day, and you don't need to bring cash when you bring your mobile phone, and you don't need to pay for change, and you don't know where to put it when you go home.

Second, living expenses

General living payment, in addition to the water bill, we have no water bill here, you can't pay the water bill, the rest can be paid online, just like before, my mobile phone bill to pay online recharge, before the electricity bill, broadband fee is to go out to pay, now the ** payment can also be solved.

Third, financial management

Fourth, transfers

In the past, if you want to transfer money to others, you have to go to the bank, or find someone to give cash, but now you want to give money to others, use online payment transfer, transfer bank card or Alipay account of the other party.

Fifth, loans

This may not be opened by many people, this is really good for me, now the amount has reached about 150,000, and the interest is 3/10,000 per day, that is, borrowing 10,000 yuan, and the interest is 3 yuan a day, which is lower than the bank, and the bank's money will not be so easy to lend you. This is so convenient, borrow as much as you want, when to repay, within 1 year, how much you want to repay, my bank card is not 1 penny, no money can be turnover, sometimes 100 yuan also borrowed, at most a loan of 100,000, used to buy a house, I have money to repay, how much can be repaid, this is the biggest feature of the loan, it is different from other bank loans, how much you borrow, how much you have to repay, can not be repaid in advance, the loan is more flexible, That's what I like, it's a big love.

That's probably the convenience we really enjoy.

1.You don't need to bring cash, so you don't have to worry about losing it.

2.You can pay online anytime and anywhere, which is more convenient.

Thinking of these for the time being, the code word is not easy, such as satisfaction, oh.

Make our travel more convenient, no longer need to wait for change, and now there is face payment, you can buy your favorite goods without a mobile phone, and make people's life faster.

No need to go out with cash, no need to be afraid of losing cash, it is very convenient, no need to be afraid of receiving fake money, and no need to go to the bank to deposit money, which is very time-saving and labor-saving.

It is very convenient to pay the phone bill, it is very convenient to shop, it can also help people save a lot of time, you can also buy a lot of things online, and you can also make an appointment for a physical examination online.

When you go out, you don't need to bring a wallet, bank card, as long as you bring a mobile phone, which is very convenient and simple, and it also ensures safety.

In terms of mobile payment products, there are "mobile banking" engaged in by banks, "mobile Alipay" and mobile Tenpay engaged in by third parties, and "mobile phone payment" by operators, such as China Mobile. Each of these three categories has its own characteristics, but the method of use and convenience are completely different.

In a nutshell: China Merchants Bank's mobile banking (the earliest and best online banking in China), all versions on various mobile phone platforms (iPhone, Android, WAP, www are available), but the fly in the ointment is that there are not too many functions on the PC professional version, such as transfers, repayments, etc., which are basically used to check accounts; Other drops are currently counted. The biggest advantage is not to recharge, the biggest disadvantage is that you have to open online banking first, that is, you have to run to the bank to fill in a bunch of forms, queue for half a day, the process is a bit annoying, mobile Alipay:

As the boss of the rivers and lakes, the original Alipay needless to say, the PC is very good, easy to use, the experience is very good, the biggest problem is that the mobile phone has not been launched a complete independent version of the use for a long time, the existing AppStore can only be supplemented on the PC: for example, if you buy something on the outside, you can confirm it online at any time outside, or you can pay directly if you have a balance. The biggest disadvantage is that you have to recharge first, of course, you can also directly connect to the bank card to use, but there is a limit, either your own or more troublesome.

The last point is that until now, I haven't seen a widely used interface that can be used in many places.

Mobile phone payment (formerly known as mobile wallet): as a fist product of China Mobile, it is also a specific embodiment of the wireless city and smart life strategy, with many shortcomings, such as: to have a mobile phone first, to bind a bank card first, and then you can use it, but the limit is 1k each time, that is, the jargon of small payment.

But the biggest point is convenience: the mobile phone is basically the second thing that must be carried in addition to the key, squeezing the wallet from the original second to the third, because there is "money" in the mobile phone, and it can constantly have money. The key is also to "use":

In Shanghai, Shanghai Mobile has achieved a large range of sensor equipment coverage in a large number of consumption places such as subways, KFC, shopping malls, etc., which can be said to be at the forefront of the country. Therefore, it is conceivable that the situation in a few years may be: the limit of mobile payment is much greater than 1K, and bank cards are replaced by SIM cards in various places, especially in Shanghai, which may be the first to be realized.

When we meet every day, don't we ask: Have you eaten? Instead, ask:

Did you bring your phone? Because with a mobile phone, maybe in the end the key can also be left out.

The so-called mobile payment.

First of all, the other party's trading platform supports such a payment model, what do you want to buy on the Internet, the other party supports mobile phone payment, and there are mobile companies that deduct the money of the product from your mobile phone bill, so that you can get what you want, such as QB game point cards, red diamonds and other virtual items, but you should be cautious about using this kind of payment, and there are many ** who use this to cheat your phone bill!

To put it simply, it's to buy things with your phone!

At present, UnionPay mobile payment can buy movie tickets, pay water and electricity bills, charge phone bills (Telecom, Mobile, Unicom), check bank card balance, credit card repayment (there is no handling fee for inter-bank and cross-region), book air tickets, buy lottery tickets, recharge games, etc.

Very good! Pay for your purchased information directly with your phone bill.

It's definitely good, like Japan, it's all paid by mobile phone when you take the subway, how convenient it is, and it will definitely be like this in the future.

At present, mobile phone payment mainly includes mobile phone bill payment, mobile phone as an intermediate account recharge payment, mobile phone bound bank card payment, etc., including mobile, telecommunications, Unicom, UnionPay and various banks have launched their own mobile phone payment business, at present, the business has not yet issued a mature business model, each is in accordance with their own model of promotion, in accordance with the development direction of mobile phone payment, you can finally achieve a step mobile phone line in the world, you can use mobile phone as a payment terminal anytime and anywhere, used to consume and buy things!