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The author:(作者)qqpublished in(发表于) 2014/7/9 2:28:25 Micro-payment delays： mobile phone for 48 hours before filling to Zhang
Micro-payment delays: mobile phone for 48 hours before filling to accounts-micro-payment, app-IT news Micro-payment delays: mobile phone for 48 hours before filling to Zhang
According to economic of sound every day 315 reported, let we to assumed a scene, day, we to a small restaurant dinner, eat full drink foot a wipe mouth shouted a sound pay, waiter to front desk put points menu print Hou got I before, then this list Shang except I points of dish and total yiwai, also has a II dimension yards, I took up phone micro letter sweep a sweep then with micro letter paid put money payment has, this is pieces more cool of things! Businesses also need a POS machine?
Micro-payment, of course it's really going to be moved to King still has a lot of problems to settle, in addition to training users are accustomed to questions, has to absorb the offline business resources and system reconstruction of the restaurant. Line line of the public accounts and to a large number of enterprise businesses, once businesses gradually accept this payment in the future, will further promote micro-credit to use. It should be said that a bright future of micro-payment.
But when consumers using micro-payment, they still faced some problems. More recently, the everyday 315 program team received a complaint from Wuhan consumers snap, said he used the micro payment mobile costs ran into problems.
Qi: I phone outage yesterday, then I filled up a telephone bill, when no result is successful. Has deduction, but calls out. Weixin yesterday called Tencent customer service, said yesterday was the Bank network failure problems, resulting in the situation today calls arrived.
Mr Qi said he and micro contact, the caller said, because the money receiver system problems, caused the delay, should complete within 24 hours of payment, if the payment was not successful, will return to spending the money on bank account.
Qi: it is the fault of their corporate network.
Reporter: is it not arrive, or delays into account?
Qi: the delay into account, at 10 o'clock, will I need to pay phone charges to the account. If there is no account, the money is returned to my bank card.
This morning, this reporter once again call the snap and see if his money well paid. Qi replies, monies have been successfully paid mobile phone costs.
Yesterday afternoon, journalists started Tencent micro products division, hoping they can show the popularity of micro-payment for some users, in particular how it can be convenient to complete the payment, as well as how to protect consumers ' personal information and account security. You come to me to contact lasted until 11 o'clock, Tencent's PR eventually micro-products division leader in travel, cannot accept the interview and review text for declined a reporter's request. They told reporters that the survey user's problems as soon as possible.
Evans Vice President, HiSoft financial Tsui pointed out that use of Internet technology for mobile payment is essentially, the Internet technology differs from our mobile payments in previous years. Mobile payment cards will probably also have some operators to run medium and broad connotation including mobile payment mobile payments, but it extends, weixin, SINA weibo and other paid media can do these service entities.
Tsui said that mobile payment technology itself, recharge, or go to the restaurant's payment or its core essence is actually "SMAC", "s" (Social) is a social shopping, social business, both products offer an ecosystem, there are consumers online and offline connection. "M" (Mobile) mobile technology. "A" (Analytics) is a data analysis, data analysis can provide some support to consumer behavior and product marketing, but can also prevent risks, making facts, online interventions. The last "c" (the Cloud) is the cloud, there are 600 million mobile phone users in China, uses cloud computing to support large amounts of data, these are some of its technical support.
Why micro-payment is late in payment? Tsui is considered, the app some differences compared to PayPal, this difference more would have to be signed on a number of banks. PayPal may banks signing up a little more, so that delays in payments might be less because it is both banks directly by PayPal to do quick pay. And micro-letters, signing smaller number of banks, and occasionally generate deferred payment conditions.
Expert reviews
Economic commentator Zhao occupation, the voice of China consumer lawyers lawyer today, Hu Gang case for analysis.
Economic voices: micro-payments, PayPal Mobile and Twitter paid the three channels previously, micro-blogging, micro-merchandising information also exists in your circle of friends, but difficult to identified as third party Twitter and micro-transaction platform, why?
Zhao occupation: mainly because of the nature of the third party trading platforms or functions include dissemination of information, including transaction matching, and consumers under the order and the payment of the whole process. But until Twitter micro-circle of friends there for commodities market, more are stuck in the first stage, or the presentation of products and product information that is reflected in a linked manner, when after you've clicked, it takes you to the third party platforms, since transactions are conducted on a third-party platform. In this case, Tweets or micro-circle of friends play are only an information platform construction. According to the current formulation of the new law on third-party trading platforms, there are now third-party trading platforms of the Food Safety Act, as well as administration for industry and commerce, network, transaction management approach the provisions on third party trading platforms, are not directly applicable to microblogging before there are micro-circle of friends.
Economic voices: open mobile payment functionality, such as micro-blogging paid, individual users can publish product information and list, does this mean that because the payments involved, also will be micro-blogging, micro-third-party Internet trading platforms, and online trading platform for the corresponding legal responsibility?
Hu Gang: this trend is quite obvious. Twitter, the app itself is a social networking tool, especially in micro-circle of friends are people I know, in this case, may trust each other higher. In this case, it continues to introduce businesses to the public accounts or personal display or function with the corresponding third-party sales platform draws closer, probably coming fully equipped with corresponding functions, so people should bear the corresponding legal responsibility.
Economic voices: existing mobile payment channels like Twitter or micro-payment of approximately what is the application process?
Zhao occupation: this process is very simple. Micro-payments, it actually binds your card, only need to enter a credit card number, social security number, name, phone number, in the process, then set a payment password is OK, even the bank card payment password is not needed. After once setting is successful, when you pay, just enter the payment password, everything else doesn't need it, so the payment threshold is relatively low. Like Twitter payments with micro-payments, but Twitter bindings is a PayPal account and PayPal password.
Economic voices: If is bound to be a bank card, you pay sets a password, don't even need banking card password, how high is it security?
Zhao occupation: here there is a problem, it is convenient for the user, lower the threshold for using at the same time, there are real security risks. If your identity card number, name and phone number, if the information leaks, or were they knew, others learn by way of forged Hong Kong identity card, to re-submit your phone card, replacement of a SIM card then he can follow the process of micro-payment or payment, bind your bank card. Because in this process, although Twitter payments or micro-payment SMS verification, but verification SMS message is sent to the fraudsters are on the phone, in that case, the whole process can bypass the real I basically, so there are risks.
Economy: roughly what a security vulnerability?
Hu Gang: is actually two parts of the security risk. First part of disclosure of sensitive personal information about you. Such as your name, social security number, including your shopping history, personal preference, and so on, are possible along with the Internet, and in particular the development of mobile Internet, mass leaking out. Type II is personal financial security. If you bank card related data being leaked, the funds in the bank card may be stolen. If your card is a credit card, overdraft can occur, incurring severe cases, there may be held criminally responsible.
Mobile payments at the same time bring us a convenient as well as the corresponding risks. Generally speaking, in recent years with the development of the Internet, on mobile payments or Internet payment fraud cases do exist, but some competent, honest Internet businesses, has taken a series of security measures. Safeguards the most favourable point is actually called the liability insurance, such as micro-micro-App version 5.0 introduced last September when, already signed that deal with the wealth of the people's insurance company. Consumer issues if there is a mobile payment, we only provide the most basic personal information, it is possible to obtain the relevant payments from insurance companies and the amount paid does not have a CAP, this is a very important system design should be vigorously promoted.
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