《DevelopmentofElectronicPaymentMethodandThinking》由会员分享,可在线阅读,更多相关《DevelopmentofElectronicPaymentMethodandThinking(2页珍藏版)》请在金锄头文库上搜索。
1、DevelopmentofElectronicPaymentMethodandThinking【Abstract】Thispaperintroducestheconceptofelectronicpayment,thedefinitionofthepaymentisillustratedtocataloguethepaymentmethod.ThedevelopmentofthepaymentisalsoanalysedbothinChinaandworldwide.Thentheissuesexistintheelectronicpaymentisstudied.Byanalysingthe
2、issues,betterlawregulations,aswellastechnologies,areneededforthefuturegrowthofelectronicpayment.【KeyWords】electronicpayment;paymentmethod;issueanalysis;futuredevelopment【作者簡介】邢诗淇,成都七中万达学校。1.DefinitionandCataloguesTheElectronicPaymentisanactivitywhichachievespaymentandfundstransferbysecureInternetcon
3、nections.Paymentsaregeneratedbyconsumers,businessesandfinancingorganizations,thensafelytransferredtobanksorprocessingorganizations.basedontheresearchonfinancingandelectronicbusinesssubjects,theelectronicpaymentincludescardpayment,onlinepayment,mobilepaymentandsoon.Asanewmethodofpayment,theelectronic
4、paymenthasitsspecificadvantages.Firstly,theelectronicpaymentisamethodtocarryoutcontracts.Secondly,ithasthetechnologicalfeatures,thepaymentisprocesseddigitally,whichistheprimaryfeaturethatmakesthedifferencetothetraditionalpayment.2.AnalysisofElectronicPaymentinChinaandWorldwideIntheglobalmarket,themo
5、stwidelyusedandwell-regardedmethodisPayPal.ThePayPalwasfoundedinDecember1998,andnowithasover100millionusers,makingitthemostefficientwayofglobalpayment.PayPalsupportsover190countrieswithover20currencies.Thethird-partyserviceproviderMoneybookersisalsowidelyused,usersaremainlyinsomeoftheEuropeanCountri
6、es.Theconceptofthird-partypaymentplatformwasraisedin2004byCEOofAli,whilein2020,theelectronicpaymenthasalreadyexisted.TheAlipaywaslaunchedinOctober2004andstartedaneweraofpayment.TheAlipaysolvedthetrustissuebyholdingthefundsasathird-partyrole,makingtheAlipaygrowsquicklyandbecamethelargestserviceprovid
7、erinChina.Around2020,moreplatformsstartedtojointhemarketsuchasTencent,Lakalaand99Bill.Thegrowthofthemarketexplodedin2020-2020,theannualgrowthrateofpaymentsreachedover100%.Becauseofthemassexpansion,thethird-partycompaniesareorganisedintothemonitoringsystemforahealthiermarket.Nowadays,thethird-partypa
8、ymentmarketisthelargestandmostdivertedmarketintheworld.In2020,thenumberofAlipayusershasreached450million,theannualvolumeofAlipayinthemarkethasreached1.43trillionyuan.ThesecondlargestserviceproviderWechathasover900millionusers,theannualpaymentvolumehasalsopassed1trillion.3.TheIssueofElectronicPayment
9、andFutureDevelopmentAsanewmethodofpayment,theelectronicpaymentgetsalotofattentioninsociety,especiallyfromgeneralusers.Meanwhile,theattentionfromusersisalsothereasonthattheusersavoidusingelectronicpayment.Themainreasonisthatofthevirtualpropertiesofthepayment.Thesecondreasonisthelackofsocialtrustsyste
10、m.Theverificationprocessisdifficulttobevalidated.Thethirdreasonisthelackoflawregulations.Therearetwowaystoresolvetheissues.Firstistoimprovethetechnologyanddevelopthepaymentplatformtoincludetheusercredibilityinformation.Thisrequiresthecooperationtofinancingorganizations,aswellassupportfrombusinessand
11、users.Secondistodevelopthelawsandregulationstothepaymentplatform.Thisistoregulatethemarketandpunishtheactivitieswhichareoutofregulation.Inthefuture,withthedevelopmentoftheInternetofThingsandArtificialIntelligence,theexpansionofelectronicpaymentwillalsobeaccelerated.Theelectronicpaymentwillhavemoredi
12、versity.Meanwhile,asthereisstillalackofamethodtomakeglobalpaymentinanefficientandlow-costfashion,thedecentralisedblockchaintechnologywillbeaverypromisingsolution.Thenewlydevelopedelectronicpaymentisachallengetous,butitisalsoanopportunity.Weshallbecontinuouslyexploring,learning,anddevelopingnewtechnologies.Insuchway,wecanensuretherapiddevelopmentoftheeconomyandtechnologyofChina.References:【1】黃浩锐,金环.浅谈互联网+形式下的挪动端支付经济J.时代金融,202024:268.【2】张海霞.我国支付信誉体系的开展与影响J.经贸理论,202016:290.【3】曹钊珣.基于电子商务时代民商法的创新研究J.法制与社会,202023:11-12.