App access to digital currency payment
warm tips: the above explanation is for reference only
response time: September 16, 2020. Please refer to the official website of Ping An Bank for the latest business changes
[Ping An car owner loan] you can borrow a car, up to 500000
https://b.pingan.com.cn/station/activity/loan/qr-carloan/loantrust.html?source=sa0000632&outerSource=bdzdhhr_ zscd&outerid=ou0000250&cid=bdzdhhr_ zscd&downapp_ id=AM001000065
with the continuous development and progress of society, great changes have taken place in our lifestyle, such as mobile payment and online shopping, which have brought great convenience to our life. Since the birth of online shopping, online payment has become a part of our life
online shopping is convenient, but it is also through the middle of a "invisible" process of payment, such as we bought something on the Internet, first pick out what you love, then you have to pay the problem:
now most people use Alipay is the way of payment, then first Alipay will receive payment request. Then it initiates the protocol to the network, saves the information to the database, and forwards the request to the bank. When the Alipay account shows that the dection is successful, it will have to be connected to the bank through the Internet. Then the buyer will confirm receipt after receiving the goods, so that the buyer will dect the money before transferring to the seller's account. Not only is the transaction process too cumbersome and complex, it is clear that the transaction between the two parties has to go through a series of links. More importantly, once the intermediate payment link collapses, the whole transaction will stop, and the subsequent operation is really troublesome
in fact, the popular explanation is that when I want to buy something, I give the money to the middleman and ask him to help the seller. If the middleman makes any mistakes, it may lead to the situation that the money can not be recovered and the goods can not be obtained
is there any way to simplify the transaction process and improve the transaction efficiency? Yes, the current hot blockchain technology and digital currency payment can better solve the above problems:
blockchain has become one of the hot topics in the past two years. Blockchain can replace the existence of these third-party services:
first, blockchain can not be tampered with. Every transaction will be distributed to each block for record keeping, Then use cryptography to verify, any malicious damage or record deletion will be found, so the whole process of shopping will be seen. Blockchain strengthens the trust, traceability and transparency in the transaction, making our transaction faster and more convenient<
the second is the unique payment characteristics of digital currency:
the decentralization of digital currency can eliminate the intervention of the third party, and there is no need to worry about the problems of the third party, resulting in the whole transaction payment process can not continue
the point-to-point transmission of digital currency saves the time link in the whole payment process and realizes fast payment, so that both parties can receive money quickly and save time
openness and transparency of digital currency: except for cash transactions, all transactions based on online payment are just a series of numbers, and all transactions of digital currency are open and transparent. You can check the transaction records of all payments, which can ensure the security of the overall commodity payment
and like China's booming WeChat, Alipay and other payment platforms, cross-border payment has been realized, but there is a problem that fees will be more expensive than domestic payments, and the settlement cycle will be longer than domestic. In general, efficiency will be slow, time is long, and hand renewal is expensive. Digital money will make traditional transactions "no longer traditional". That will also make cross-border payment more efficient: digital currency is not subject to the "constraints" of any country or bank. Based on blockchain technology, it can just bypass this centralized system with low handling charges, and its point-to-point transmission transaction characteristics can effectively improve the current problems of long-time and high cost of cross-border payment
the times have been developing, and the way of life is constantly improving. Online shopping and payment are born from our development, with both advantages and disadvantages. Then we will try our best to push everything in a better direction
digital currency is on the rise. Although the current digital currency is not perfect, many countries have begun to use digital currency as a payment method. Due to the various characteristics of digital currency, bitcoin, Ethernet, Las Y2, QTP (wechat ID: yingbivc), ASEC and other digital currencies are being actively used. They can not only simplify the traditional online payment transaction process, but also circulate payment around the world and rece exchange rate issues such as handling charges. Don't just look at digital currency with one eye. Maybe in the near future, it will open the era of digital currency full payment!
In recent years, a series of policies and measures have been implemented to rece the cost and increase the efficiency of logistics, and remarkable results have been achieved. From 2013 to 2020, the ratio of total social logistics cost to GDP shows a downward trend. From January to September 2020, the ratio of total social logistics cost to GDP in China will drop to 14.4%, which has made a positive contribution to improving the development environment of the real economy and enhancing the operation efficiency of the national economy
however, behind the rapid development of the instry, there are still many problems to be solved, including commodity authenticity, logistics data island (data isolation leads to high interaction cost between enterprises, low efficiency of process collaboration), logistics credit rating (no standard, difficult financing), etc
blockchain technology helps the transformation and upgrading of logistics finance
through blockchain technology, we believe that the pain points of relevant instries can be continuously improved and optimized. For example, it involves commodity traceability, multi-agent collaboration, credit reference, supply chain finance, etc., and integrates "business flow, information flow, capital flow, and logistics". The logistics instry has become an important deployment of the logistics instry
for the future integration development direction, enterprises can combine logistics technology process optimization, logistics package traceability, financial application scenarios based on logistics and supply chain, supply chain and logistics related credit reference needs, rely on blockchain technology and existing logistics network, truly and reliably record and transmit capital flow, logistics and information flow, Optimize the utilization of resources, improve the overall efficiency of the instry, and promote the sustainable development of the logistics instry
through the combination of blockchain and logistics finance application scenarios, in essence, it is through mortgage property and data cross node sharing, and finally, it is to achieve logistics credit rating, so as to obtain financing convenience and interest rate level close to that of large institutions
with the implementation of new digital infrastructure technology represented by 5g, blockchain technology will be combined with AI, Internet of things, cloud computing and other cutting-edge technologies, enabling the construction of economic fields including logistics and other real instries
through the blockchain network, we can change the traditional management and service mode, promote department collaboration and business process optimization, rece communication and information costs, and improve management efficiency. The four major applications in the direction of process optimization, logistics tracking, logistics finance and logistics credit will be graally implemented in the fields of e-commerce logistics, shipping logistics, special logistics and logistics finance
for more planning and information about logistics instry, please refer to the forward looking Logistics Instry Research Institute