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The author:(作者)aaapublished in(发表于) 2013/12/8 8:35:36 Save every penny， mobile payment without using the full guide
Save every penny, not in strict guidelines for use of PayPal mobile payment, micro, mobile Bank-IT information Save every penny, guidelines for using mobile payment is not fully
Blurbs: recently, paid Po publishing bulletin said, since December 3 up, in computer Shang for paid Po account between of transfers, will charged procedures fee, rates from original of 0.5% reduced for 0.1%, 0.5 Yuan up received, 10 Yuan capped, but phone end "paid Po wallet" account between of transfers still will continues to free, and no lines ceiling; on the, micro-letter paid with its powerful of social based, short 3 months, user has up do, and daily to added 100,000 user of speed in growth.
At the same time, a number of banks will be mobile banking as business growth, through an inter-bank transfer free of charge or offer a way to attract customers, following the major policy adjustment of the bank transfer has been consolidated .
Internet banking has been is one of many Internet companies into focus. Alipay announced the PC-side transfer charges, mobile phone "PayPal wallet" will continue to be free, mobile end user-oriented and wishes to seize the mobile payments market. And the micro-features include micro-payments, also joined the mobile payment queue.
In this regard, insiders pointed out that currently total in all online payments, including PayPal account for only 1 per thousand of the entire market, third party payment market space is also very large. Back in 2008, our payment business transaction amount does not exceed 1.3 trillion yuan for the year, according to the data of the report on China's payment industry 2013 2012 third-party payment market size of more than 10 trillion yuan in China, that figure is expected to reach 15 trillion yuan this year. Five-year rate increased by 10 times to show the potential of online payment and guided many traditional Internet companies have turned to pay the main reason.
This shows that the market needs and national policy on emerging financial services encouraging radicalism, contributed to a third-party payment industry, represented by the emerging financial services industry into the development phase.
Alipay PC-side transfer fees, mobile end user guide
In recent days, PayPal reported, effective December 3, PayPal money transfers between accounts on the computer, will charge a handling fee, rate from the original cent down to 0.5%, 0.5 Yuan, and 10 caps, but the mobile phone side "PayPal wallet" will continue to free money transfers between accounts, and no level Cap.
And computer users in the use of Alipay transfers required arrived the next day, while using mobile phone PayPal wallet transfers arrived within two hours. News that PayPal policies in order to encourage consumers to use mobile phone transfers into line.
Other hand, with the micro-business to expand, derived from micro-payment functionality, thanks to its strong social foundation, in just 3 months, micro-payment users has reached millions and added 100,000 new users per day at the rate of growth. PayPal wallet users exceeded 100 million, but far less open frequency micro-payments.
In this regard, analysts pointed out that, with the micro-payment step by step crash, Alipay, this free resource to gather to a mobile side, Ali strategy on the one hand, on the other hand against the intent of micro-payment is also apparent.
Micro-payments VS PayPal wallet, enter mobile phone
Micro-payments and PayPal sides battle each other not only in the growth of the number of users and their recruiting business, expand its own ecosystem.
INtime and Alipay, through cooperation, Smith Barney, and other online stores, forming O2O closed-loop, to seize the mobile payment higher. The future, PayPal can use Polaris obtained the user's idle capital, and tianhong Fund through the asset securitization, Ali to provide capital support to micro-credit, as well as support from other financial services.
Alipay works including "face to face" and "collect" in two ways. "Face pays" can through II dimension yards and Sonic paid, from user of angle for, this is a change payment habits of paid way, user online Xia shopping without with cash, on can pay; and from businesses of angle for, "face received" will increased two a cost: a is hardware of installed cost, another is paid Po wallet and businesses of financial settlement cost. Currently, the PayPal "pay" acoustic receivers is the price of 50 Yuan, and the price to fall again in the future. For this merchant or PayPal, lower hardware costs, and don't give up my hardware costs. As regards the latter, users in businesses "face to face", the resulting consumption included in the seller's PayPal account will be settled, and clients do not have to pay the settlement costs.
At the same time, micro-public accounts after a year of development, has gathered many merchants. Micro-payments is through micro-social and friendly user groups large, more and more merchants to accept.
At present, micro-platform, micro-payment through bank card bound fast payment through the payment process. On the outside, micro-payments paid through the QR code to complete the letter. To put it simply, by binding in micro banking card, letter, public, and within the APP, as well as QR codes everywhere around, complete payment for commercial closed-loop in the scene in the mobile phone provides a completely new solution.
In addition, micro-bound bank card payment, including millet, snapped "featured product" and "filling airtime, can knock $ 5 worth of". Among them, the millet 3 has recently launched its official description: "buy only micro-open letter, and use only micro-payment purchases. "This means, wants to buy millet 3 micro-payment must be opened. As millet has fixed the fan base, the cooperation with micro-will pay for micro-part increase user.
This shows that the micro-much like Tencent, and its core values are: after you have a certain user base, affiliate products more appropriate higher the stickiness, thereby promoting the future of micro-publics imagination is greater than the current value, which is where Tencent's gain. O2O marketing, micro-payment is to build a platform that let businesses take the initiative to hold micro QR code.
Mobile banking, transfer money
With the convenience of Internet banking, and now more and more users to transfer their banking business to the mobile phone.
For making a transfer at the banking counter operations has its security advantages, but the fees are too high, lined up, uncomfortable as its disadvantages. By contrast, phone bank transfer fee is a lot lower. While the banks are also on phone bank transfers also have certain preferential policies.
省下每一分钱，手机支付不完全使用指南 - 支付宝,微信,手机银行 - IT资讯省下每一分钱，手机支付不完全使用指南
导语：近日，支付宝发布公告称，自12月3日起，在电脑上进行支付宝账户间的转账，将收取手续费，费率从原有的0.5%降低为0.1%，0.5元起收，10元封顶，但手机端"支付宝钱包"账户间的转账仍将继续免费，且无额度上限；另一方面，微信支付凭借其强大的社交基础，短短3个月，用户已达千万，且每天以新增10万用户的速度在增长。
同时，多家银行都将手机银行作为业务的增长点，通过跨行转账免费或者优惠的方式吸引客户，以下针对各大银行的转账政策调整进行了整合。
互联网金融一直以来是众多互联网公司进军的热点。支付宝宣布PC端转账收费、手机端"支付宝钱包"将继续免费，把用户导向手机端，欲抢占移动支付市场。而微信功能中加入微信支付，也加入手机支付队列。
对此，业内人士指出，目前包括支付宝在内所有的在线支付总额仅占整个市场流通的千分之一，第三方支付的市场空间还非常大。早在2008年，我国支付企业全年交易总量不超过1.3万亿元，而据《中国支付清算行业报告2013》数据，2012年我国第三方支付市场规模超过10万亿元，这个数字在今年更有望达到15万亿元。五年增十倍的速度展现了在线支付的潜力，也是引导众多传统互联网公司纷纷转向支付行业的主要原因。
由此可见，市场需求和国家对新兴金融服务业的政策鼓舞激进，促使了以第三方支付行业为代表的新兴金融服务业进入发展阶段。
支付宝PC端转账收取手续费，把用户导向手机端
近日，支付宝发布公告称，自12月3日起，在电脑上进行支付宝账户间的转账，将收取手续费，费率从原有的0.5%降低为0.1%，0.5元起收，10元封顶，但手机端"支付宝钱包"账户间的转账仍将继续免费，且无额度上限。
并且用户在使用支付宝电脑转账需次日到账，而使用手机端支付宝钱包转账则两小时内到账。消息称，支付宝该政策目的是为了鼓励消费者用手机转账，挺进线下。
另一方面，随着微信业务不断扩展，衍生出微信支付功能，凭借其强大的社交基础，短短3个月，微信支付用户已达千万，且每天以新增10万用户的速度在增长。而支付宝钱包的用户虽然突破1亿，但打开频次远不及微信支付。
对此，分析人士指出，随着微信支付的步步紧逼，支付宝此次将免费资源聚拢到移动端，一方面是阿里战略布局，另一方面对抗微信支付的意图也很明显。
支付宝钱包VS微信支付，进入手机端
支付宝和微信支付双方不仅在用户数的增长上相互较量，并且还各自网罗商家，拓展自己的生态系统。
支付宝正通过与银泰、美邦等线下实体店合作，形成O2O闭环，抢占移动支付高点。未来，支付宝可以通过余额宝来获得用户的闲置资金，并通过天弘基金，透过资产证券化，向阿里小贷提供资本支持，以及其他金融业务的支持。
支付宝的运营方式包括"当面付"和"当面收"两种。"当面付"可通过二维码和声波支付，从用户的角度来说，这是一个改变付款习惯的支付方式，用户在线下购物不用带现金，就能买单；而从商家的角度来说，"当面收"会增加两个成本：一是硬件的安装成本，另一个就是支付宝钱包与商家的财务结算成本。目前，支付宝"当面付"声波接收器的价格是50元左右，未来这一价格还会再往下降。这对商家或者支付宝来说，硬件成本较低，并不会因为硬件成本而放弃。至于后者，用户在商家使用"当面付"时，产生的消费划入卖家的支付宝账号进行结算，而用户端不必支付结算费用。
同时，微信公众账号经过一年发展，已经集聚了许多商家。微信支付也正借着微信的社交便利与用户群庞大，被越来越多的商家接受。
目前，在微信平台上，微信支付通过与银行卡绑定快捷支付来完成整个支付过程。而在外部，微信支付则通过二维码支付来完成。简单说来，通过绑定银行卡即可在微信内、公众号内、APP内，以及身边随处可见的二维码中，完成付款，为商业场景在手机中的闭环提供全新的解决方案。
此外，在微信绑定银行卡支付中，包括抢购小米、"精选商品"、"充话费，立减5元"。其中，小米3近日推出，其官方介绍："购买只在微信内开放，并且仅限使用微信支付购买。"这意味着，想要购买小米3就必须开通微信支付。由于小米拥有固定的粉丝群，此次与微信合作，必会为微信支付增加一部分用户。
由此可见，微信如同腾讯一样，其核心价值在于：其拥有一定的用户群之后，附属产品越多，相应的用户粘性就越高，从而带动微信给予公众群体的未来想象空间大于现有的价值，这也是腾讯的得利之处。在O2O市场，微信支付更是搭建一个平台，让商家主动来拥抱微信的二维码。
手机银行，转账最省钱
随着互联网金融的便利，如今越来越多的用户把银行业务转移到了手机上。
对于在银行柜台办理转账等各项业务虽具有其安全优势，但手续费过高、排队、不方便也成为其劣势。相比之下，手机银行转账手续费则低了很多。而各银行也针对手机银行转账也有一定的优惠政策。
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