First, the terminal of Internet payment
(1) Mobile payment
A service method in which a user uses a mobile terminal (usually a mobile phone) to make a payment for a goods or service that is consumed. Currently, mobile payment services are mainly launched by mobile operators, mobile application service providers (MASPs) and financial institutions. Mobile payment is divided into near-field payment and remote payment. Near-field payment refers to the payment of the mobile phone as an IC card carrying platform and a communication tool with the POS. Remote payment only uses the mobile phone as a simple information channel for payment, and can be paid by means of Web, SMS, voice, etc., and can be divided into three types: mobile phone bill payment method, designated bank payment and UnionPay fast payment. In addition to mobile phones, mobile phones can also be used for other mobile terminals such as tablets and netbooks.
(2) Computer payment
Computer payment is the first Internet payment method. To some extent, the rise of computer payment has promoted the development of the e-commerce industry. Although the status has been challenged recently with the rise of mobile payments, it still occupies the largest share of Internet payments.
(3) Internet TV payment
There are two main types. One is to embed a POS-like device into the remote control; the other is to embed the payment function of the bank card into the digital TV set-top box.
Second, the channel and environment of Internet payment
China has entered the era of Internet payment, facing the explosive growth of China's e-commerce industry, facing the real needs of modern enterprises and the increasing Internet payment of cardholders, facing the urgent desire of the government to build an electronic service platform, as China Bank card organization, China UnionPay actively cooperates with industry-related parties to build a safer, more convenient and efficient online payment channel and environment.
Into the Internet payment business in the face of the increasingly broad space for Internet payment development, China UnionPay has taken a variety of measures in the near future, and entered the Internet payment business in a big way. It not only established the Internet business department of the business department mechanism, but also listed the Internet business in China UnionPay. In the medium and long-term strategic development plan, at the same time, it began to recruit and expand the professional talent team nationwide, and recently gathered branches from all over the country to hold an Internet business promotion work conference in Shanghai, which is the development layout of the Internet business in 2011. Force" to force the trend of Internet payment business. The reporters visited the China UnionPay portal website and saw the newly established department among the UnionPay organizational chart and recruitment information. It is understood that in recent years, China UnionPay has been in close contact and linkage with major commercial banks and regional banks across the country, as well as aviation, railway, insurance, hydropower and coal utilities, and other major industries, and Alipay, fast money, Third-party payment institutions such as Huanxun are also actively communicating with China UnionPay to access their Internet payment transfer systems.
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