1. What is an account?
The essence of the account is to serve the storage and withdrawal of rights and interests; it is the capital account that serves the rights and interests of funds, the member account that serves the rights and interests of members, and the account of specific commodities that serves the rights and interests of the purchase of specific commodities. The owner of the account is the main body of the account, and the account attributes correspond to the specific attributes of the person. For example, the QQ account corresponds to the social attribute of the person, the payment and capital accounts correspond to the financial attribute of the person, the citizen card account corresponds to the identity attribute of the person, and the game Accounts correspond to people's entertainment attributes and the like.
2. What are the characteristics of account services in the era of electronic payment?
1) Account-centered service to meet various needs of people
a. Meet the physiological needs of less walking and less sweating, based on basic payment services and personalized analysis of account details, so that people can get rid of payment transactions with small payment amount and high time cost;
b. Provide means to ensure account security, such as guaranteed payment and loss compensation;
c. Meet social needs, such as social interaction such as coquettish payment, AA payment, etc., so that payment is out of the category of financial services;
d. Provide respect and continuously pursue a better payment experience, so that users can fully experience the smoothness of payment;
e. Satisfying self-actualization needs;
The unique biological nature of human beings will become the carrier of the account. When unique characteristics such as fingerprints, iris, and face are applied to the payment field, a part of the human body will become the account.
2) Accounts in the Era of "Everyone's Financial Management"
For funds, there is a phenomenon of discrete value, such as cash in wallets and idle funds in various bank accounts. If this part of idle funds can be fully utilized, higher returns can be obtained. If payment account operators can embed wealth management services into the payment ecosystem, they will gain huge benefits and account stickiness.
3) Account externalities
The unified standard payment platform built by the third-party payment company takes the account as the carrier to realize the application of the unified standard.
There are currently two types of third-party payment accounts:
One is platform accounts, such as Alipay, Fortune Pass, operator accounts and other platform operator accounts in the future
The second category is industry vertical application accounts, such as Huifu Tianxia and Kuaiqian, which focus on industry solutions