随着互联网的快速发展、技术的不断进步，越来越多的人会选择使用智能手机，智能化以不可抵挡的姿态进入我们生活的方方面面。经济的高速增长，使得从前的计划经济不复存在，从吃饱穿暖的简单愿望到商品经济下的广告横生、商家使用饥饿营销等各种各样新奇手段来促进销售，各个领域争先恐后的开发延伸产品，积极开发能与互联网完美契合的产品。支付宝，微信支付，银行卡支付、透支支付及找人代付等就是新时代下支付方式与互联网结合的一些例子，下面我将从这些支付方式的相同与不同处进行比较和评价。
1. Alipay and WeChat
Alipay support Yu'ebao, Tenpay, and can view wealth management income at any time; pay discounts; establish family accounts for their children's parents; query the Taobao online transaction bills, account balances, and logistics information anytime, anywhere; Transfer, public welfare projects and other functions. The use of WeChat payment includes swipe card payment, public account payment, scan code payment, APP payment, H5 payment, applet payment and other functions. Compared with the two, they have strong financial support and public relations. Didi Taxi is a partner of Tencent; Ding Ding.com, Kuxun.com and Tianhong Fund are Ali's partners. Alipay wallet has more advantages in terms of payment, stronger financial attributes, and is positioned in personal wealth management. It can not only replace the physical wallet in the hands of users, but also manage the money for users. It has a higher recognition of security and is more suitable for banking institutions to participate. among them. It is reported that Alipay is testing internal mini-programs, and it is expected to be fully opened in the near future. At present, Alipay mini-programs are open to 6 major categories, including aviation transportation, commercial and living services, and life department stores. Light weight and other features will be able to better expand the application scenarios. However, compared with WeChat Pay, it is not connected to the user's social life, just a payment tool; WeChat App is more advantageous in user stickiness, and WeChat Pay is currently the most sticky and active user among many social software The strongest, most people will maintain real-time communication with friends, family and customers, and maintain a high frequency of use. At present, WeChat payment is more purely inclined to payment functions, but it cannot be judged that it will not add a complete financial management function in the future , And there is more room for imagination in the offline payment in the future.
2. UnionPay online payment
covers a variety of payment methods such as certified payment, micropayment, stored value card payment, and online banking payment. Compared with Alipay and WeChat payment, online banking is a bank that conducts business through an information network, and also a bank through an information network The financial services provided include traditional banking business and emerging business due to the application of information technology. Compared with Alipay and WeChat Pay, online banking can query all the records in your account. Online banking can be bound with U shield or mobile phone password card, which is more secure. Express payment is associated with the account. The information inside the account cannot be found online, and there is no password card for quick payment, which is more convenient than online banking and very convenient for some small transactions.
3. Compared with traditional payment
With the rapid development of economy, the emergence of various modern payment methods has impacted the traditional payment methods. The use of cash payment and "three tickets and one card" and other traditional payment methods have been greatly reduced. Compared with traditional payment methods, online payment is more digital, reducing the occurrence of counterfeit currency and RMB damage and loss, making transactions more convenient and reducing the risk of carrying large amounts of cash. However, modern payment methods also have shortcomings, network security risks, customers always worry about privacy leakage or identity theft, password loss, inconvenience, and some unsupported stores cannot use it. In short, both traditional payment methods and modern payment methods are products of the times. They are indispensable, and cash will not be replaced. Reasons are reasonable for the law.
