What are the characteristics of electronic payments? What are the advantages of electronic payments

1. Electronic payment is the use of advanced technology to complete the transmission of information through digital circulation, and its various payment methods.

Payments are made digitally; 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.

Advantages: Cashless payment, especially mobile payment, brings great benefits, not only payment and transfer are more convenient, but also you can view each transaction record on your mobile phone, you can clearly know when and where you spent how much money, and you don't have to worry about being stolen when you go out with your wallet.

Cash does not depend on any medium, unlike the POS machine that requires a card and the network for mobile phone payment, cash is easier and more convenient to use. In reality, there are still many people who rely on cash payments, and cash payments will continue to be an important payment method for some middle-aged and elderly people, as well as consumers in rural or remote areas. At the same time, it is undeniable that cash does have its disadvantages compared with non-cash payment in terms of printing, transportation, storage, etc.

The advantages are as follows:

The use of advanced information technology to complete the transmission of information (other payment methods are digital);

The working environment is based on an open system platform;

the use of advanced means of communication such as the Internet, extranets;

Electronic payment is the use of advanced technology to complete the transmission of information through digital circulation, and its various payment methods are made in a digital way; The traditional payment method is to complete the payment through the circulation of cash, the transfer of bills and the exchange of banks.

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

Electronic payments use the most advanced means of communication, such as the Internet, extranets; Traditional payments, on the other hand, use traditional communication mediums. Electronic payment has high requirements for software and hardware facilities, and generally requires networked microcomputers, related software and other supporting facilities; Traditional payments, on the other hand, do not have such high requirements.

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.

Features of electronic payments:

1. The front circle of electronic payment source is the use of advanced information technology to complete information transmission;

2. All kinds of payment methods of electronic payment are made in a digital way;

3. The working environment of electronic payment is based on an open system platform;

4. Electronic payment uses the most advanced means of communication, such as the Internet and extranet;

5. Electronic payment has high requirements for software and hardware facilities, such as networked microcomputers, related software and other supporting facilities; Repentance.

6. As long as the electronic payment user has a networked microcomputer, he can complete the entire payment process in a very short time without leaving home;

7. Convenient. Easy to recharge, no need to find exchange, no need to count;

8. Electronic payment with online shopping;

9. a speed block. Instant reversal;

10. Avoid the risk of carrying a large amount of cash;

11. More and more merchants support electronic payment.

Legal basis: Hail collapse Article 57 of the E-Commerce Law of the People's Republic of China.

Users shall properly keep security tools such as transaction passwords and electronic signature data. Where users discover that security tools have been lost, misappropriated, or made unauthorized payments, they shall promptly notify the electronic payment service provider. Losses caused by unauthorized payments shall be borne by the electronic payment service provider; The electronic payment service provider is not liable if it can prove that the unauthorized payment was caused by the fault of the user.

When an electronic payment service provider discovers that a payment order is unauthorized or receives a notice that a user's payment order is authorized, it shall immediately take measures to prevent the loss from expanding. Where electronic payment service providers fail to take timely measures resulting in increased losses, they are to bear responsibility for the increased losses.