Miss Zhou in a large accounting firm in audit work, and usually travel frequently, if time is an emergency, she would choose the way of the telephone booking tickets. Miss Zhou discovered that telephone bookings only need to provide a credit card number, expiration date and credit card on the back of the three validation code, do not need to enter a password, you can booking success. Miss Zhou expresses concern: "our credit card number, credit card processing gateway verification code, it is easy to be peeping into the ID number, phone number, can not remain completely private. In case lawless elements such information, is not it easy to fraudulent success? "

Miss Zhou is right to worry. According to industry sources, credit card telephone payment process, as long as the cardholder to provide card number, expiration date and verification code can be, and is not limited to the cardholder I use. Merchants and banks to check the above information, after verification to generate a pre-authorized. Since then businesses and banks will not re-check and confirm with the cardholder, but by merchants and banks own settlement, that is has entered the merchants and banks to be settled when the cardholder pre-authorization generated in the program.

A bank customer service credit card telephone payment is not required to apply the automatic opening, as long as the holders of credit cards have the telephone payments and can not be canceled. Telephone payment service opened or not, the bank did not give the cardholder the right to choose. Traders to pay by credit card telephone selected by the bank, opened a telephone payment functions, as well as merchant specific name, for which particular merchant bank does not report cardholder. Only the cardholder consumption in the merchant will be advertised by the merchant whether to provide telephone payment functions.

In fact, in addition to telephone payments, credit card online payment the same above-mentioned problems. Just booking a room, pay by credit card, I just enter the card number, validity period, the three-digit verification code, enter the password, how prompts me that the payment is successful within 30 minutes? If I use someone else's credit card can also pay for it? "a just book a room in a chain hotel official website of friends says.

The use of credit cards through POS machines in most shopping malls, supermarkets, restaurants and other consumer sites, which normally takes the cardholder to enter a password for this card, and to verify the signature on the bill, thus completing the entire payment process. However, individual online transactions to pay you do not need a credit card.

It is understood, including Ctrip, Mango has a certain well-known travel sites, including many merchant processing websites pay by credit card do not need to enter a password, but in addition to the credit card number, credit card expiration date and credit card verification code on the back of a few sites need to provide personal identification number before they can successfully order tickets or hotel. While individual sites "without a credit card, simply provide relevant information" as a propaganda tool, play the "card".

According to foreign media reports, Facebook in mobile payment field is still blank, A few days ago, the joint global number of mobile operators to launch based on the calls billing online payment gateway chargeback, easy-to-use payment services for the consumer mobile applications .

Facebook earlier in the field of desktop Internet paid in the operation service Creadits, available to the web game users to buy virtual props and other, Facebook can also get revenue sharing. But in the mobile payment, Facebook, and there is no transplant Credits.

Facebook has reached a cooperation between mobile operators and more than 30 countries and regions, taken from the user calls the bill chargeback mode mobile applications pay. These partners include AT & T, Sprint, Nextel, T-Mobile USA and Verizon, the UK operators including Vodafone, Orange, and so on.

Facebook is the reason why mobile operators hope that mobile payment services easier and faster. Facebook platform using Credits prior to payment, even if it is to buy two $ FarmVille (Zynga, a popular social game) game virtual goods, users need to complete five or six steps. On a mobile platform, such a complex operation is clearly difficult user acceptance.

For mobile application developers using Facebook's mobile payment is quite simple. Only need to write a few lines of JavaScript code can be realized through the development of the interface.

Fortune in the desktop Internet Facebook recently started credit card processing gateway quietly in the field of mobile Internet to build their own ecosystem. Mobile payment services, Facebook launched last month, the application download store. The outside world have pointed out, Facebook is not reduced in the mobile Internet on a mobile terminal application software.

Third-party payment of the license to publish the first anniversary of the news that the fourth installment payment of a license will be officially released in June, already has a license payment companies in the country staking their claims and then began to enter the paid outside of the market.

Recently, the country's leading third-party payment companies TenPay announced the world's leading electronic payment provider Cybersource Asiapay reached a strategic cooperation with the around the world hundreds of thousands of enterprise

customers and payment solutions quickly layout of the global payments market provide convenient and safe overseas shopping experience for Chinese consumers. The same time, TenPay entered into a collaboration with Bonjour and other well-known beauty and health products retail chain, this cooperation will make it to the mainland consumers directly through TenPay account to use yuan to buy discount brand-name merchandise outside.

It is understood that with the gradual improvement of appreciation of the renminbi and cross-border logistics, more and more consumers are no longer satisfied with domestic shopping, turning to overseas, including the performance of the luxury goods sector. Mostly higher than the price of domestic luxury brand the country, more and more people outside the luxury online shopping. According to MasterCard research report, the cross-border online shopping market in China presents a yearly basis doubled trends, is expected to reach 18 billion yuan in 2012, China Overseas online shopping market in 2015 will be close to 50 billion yuan.

It is based on the increase in domestic demand for cross-border online, third-party payment companies outside the layout of the action started to increase.

Tenpay person in charge of Securities Daily reporter in an interview said: "the outside TenPay payment business development, global resources integrated self-expansion" simultaneously, suppliers with the Cybersource, Asiapay, cross-border payments services cooperation and quickly grafting global business resources; while speeding up the pace of expansion of independent, and gradually to cooperate with foreign large-scale shopping site to provide the perfect payment solution for the users of cross-border shopping. "

However, for consumers, the payment part of the overseas shopping needs RMB to foreign currency translation, is very complicated application procedures, and outside the shopping site is mostly not Chinese, the security risks faced by consumers in time to open the relevant page or link more difficult to identify. In addition, when customers buy foreign products payment is often required to pay the dollar, euro and pound sterling and other foreign currency hoplink risks are also less easy to identify.

By third-party payment platform outside the shopping, not only removed from the troubles of the dollar against foreign currencies, currency conversion fee savings and the poor to purchase foreign exchange point exchange costs, and security protection, greatly enhance the user experience of overseas shopping. Bonjour website to buy cosmetics through TenPay directly use the RMB to buy foreign currency price of goods, payment procedures and internal network share the same, is not only convenient but also quality assurance. "TenPay product manager said so.

In addition to Hong Kong Bonjour TenPay is accelerating the expansion of global business. Currently the outside TenPay business from Hong Kong, and gradually expand to Southeast Asia, Japan and South Korea, Europe, America and other countries, business scope covers cosmetics, designer clothing, bags, jewelery, baby products industry. "In the future there will be more foreign merchants access TenPay the so that it can provide

more for more mainland users, the more favorable offshore online shopping businesses to choose."

Relevant people in the industry, said the rapid development of cross-border online shopping prompted domestic third-party payment to beachhead paid outside of Blue Ocean, to provide one-stop financial settlement solutions to the domestic buyers and overseas sellers, it will completely solve the cross-border online transactions the flow of funds to further enhance cross-border online consumer experience, the biggest benefit is the domestic cross-border online shopping users and outside business.

Russian electronic payment services market is full of challenge

According to the newspaper, the U.S. payment company PayPal will be opened in Russia before the end of this year, Russia became the fastest-growing online payment markets in the world, and matures.

It is understood that PayPal will invest in Russia about $ 25 million, the new office is scheduled to open this fall or winter.

PayPal parent company is an online auction and online payment gateway shopping website eBay. In charge of Russia's large-scale recruitment agencies Pruffi said, eBay, and five other large Internet companies, Russia looking for talent to join.

PayPal and eBay service is compatible with each other to maximize the competitive advantage as an international network of companies, the customer object is the increase of Russian Internet users.

The eBay site is well-known in Russia, but not particularly welcomed by consumers, mainly due to the delivery and payment, coupled with the credit card and debit card confirmation process is complicated, and often discourage Russian consumers.

In addition, the Bank of Russia does not necessarily support outside the formal banking system, credit and settlement systems. Furthermore, the virtual payment more than 10 years ago has become part of the Bank of Russia settlement system, PayPal, belated step.

In 2006, PayPal has yet to enter the Russian market. Later, PayPal allow Russian consumers to transfer to the electronic account from debit cards and credit cards. So far, Russian consumers have not yet from the virtual account transfer to personal and corporate debit card and credit card for payment purposes. Some Russian banks to accept credit cards accepted in local use of the above services.

Russian version of eBay, put into service in 2010 ebayrussia.ru for the site, but Russia still can not use its own issued debit card and credit card transactions on its Web site.

Russia came into effect this summer, the Personal Data Ordinance "On Personal Data 'prescribed foreign payment systems must be registered non-bank credit companies or the acquisition of Bank of Russia, before doing business in Russia, or continue to operate.

Russia is the world's fastest growing payments market, with the greatest potential. Therefore, PayPal plans to enter the Russian market, be regarded as an important business strategy. Russia in 2010, the electronic payment market turnover of $ 2,000,000,000, a doubling compared to 2009. More than one billion U.S. dollars through the virtual account processing.

Explore business opportunities

On the other hand, Russia's largest bank, Sberbank, has recently announced electronic payment service provider Mail.ru, Group (commonly referred to as [email protected]) partnership.

Visa and MasterCard (Master Card) holders have [email protected] account processing accounts free of charge in the ATM center of Sberbank of Russia across the country.

Mail.ru Group will be the form of securities early November to the global depositary credit card processing gateway receipts listed on the London Stock Exchange, the per share price of $ 27.7.

Russian electronic payment market has made considerable progress, the international industry to be easier to open up the country's e-commerce market. Russia, a number of small online store has set up an office and warehouse in Hong Kong, and strive to have a share in Russian trade and business services market.

It has been reported that PayPal is talks with DHL and other multinational express services company in Russia to provide more convenient courier services, and payments via PayPal system.

 

To understand the future of the currency and transactions, it is necessary to understand the nature of money. The currency is the most important properties is that it is not "really". As objects, coins, paper money, debit card or credit card itself is of little value. The currency has always been a form of data. Now it is going through a second digital evolution: mobile technologies and cloud technologies change the credit card processing gateway way people trading again.

Currency data show that, in order to buy goods or services, the money from one entity to another entity. In the process of civilization thousands of years, the currency has gone through several evolution, they reflect the rise of human technology. These changes are not of night. However, when the currency changes, the transactions will be as it along with evolution. After all, the moving objects have inertia, tend to maintain a state of motion.

The money is a topic of debate. About it everywhere: When Fair mobile technology to take over? The new trading system look like? This is only a number of technical experts and early adopters of daydreaming?

Pew Research Center's Internet & American Life Project team and Elon University, "the idea of Internet centers" cooperation, "the future of the currency. Investigation of the non-random, 1012 agreed to participate in the study of Internet experts and other users, the research team published a report of up to 35. It is the past few years seen the most comprehensive, most rational thinking in the future monetary one. The researchers of the report researchers from companies and universities, there are also entrepreneurs, venture capitalists, financial experts, and so on.

The Pew survey found that 21 percent of the mobile phone owner had used a mobile banking service, these users, 90 percent of the people to check their balance and most recent shopping activity. 46% of mobile users on mobile devices to buy. Only 12% of the mobile phone owner mobile devices to pay.

This situation may change, but may not be as mobile payment company hoped so fast, many experts interviewed in the past year have talked about the mobile payment market in the initial stage, the real user behavior visible change will happen within the next merchant processing two to three years. During this time, the mobile payment experience shuffling process to decide the winner and a dominant payment system. The winner is Near Field Communication (NFC) technology? "Beam," The technology can also have the opportunity (this function with barcode scanner is roughly the same, but the reverse, that is to launch a red laser information from the phone to the payment terminal). QR Code is a more "mature" for mobile payment technology, but it may just be a transitional technology.