Is the third party payment a virtual currency

5. It's not a concept. Virtual money includes electronic money
1. Network virtual currency can be roughly divided into two categories:
the first category is familiar game currency. In the era of stand-alone games, the protagonist accumulates money by knocking down the enemy, entering the gambling house to win money, and uses these virtual game data to buy Herbs and equipment, or in some special games as a scoring unit to increase the fun of the game, which is an embodiment of the player level. But it can only be used in your own game console. At that time, there was no "market" between players. Since the establishment of Internet portal and community and the realization of game networking, there has been a "financial market" for virtual currency, where players can trade game currency
the second type is the special currency issued by the portal website or instant messaging service provider, which is used to purchase the services in the website. The most widely used is Tencent's q-coin, which can be used to purchase membership, QQ show and other value-added services
the third category refers to bitcoin, Ruitai coin, Laite coin, Weimeng coin and other digital cryptocurrencies
2. Electronic money refers to the exchange of a certain amount of cash or deposit from the issuer and the acquisition of data representing the same amount. By using some electronic methods, the data can be directly transferred to the payment object, so as to pay off the debt.

6. Currency devaluation (also known as currency devaluation) is the symmetry of currency appreciation. It refers to the decline of the value contained in or represented by unit currency, that is, the decline of unit currency price. Currency devaluation can be understood from different perspectives
from the domestic point of view, currency devaluation under the metal currency system refers to the measures to rece the legal metal content of the domestic currency and its price to metal ratio, so as to rece the value of the domestic currency; In modern paper currency system, currency devaluation refers to the decline of the value of paper currency when the quantity of paper currency in circulation exceeds the demand for money
from an international point of view, the value of a currency is expressed as the exchange capacity with foreign currencies, which is reflected in the change of exchange rate. At this time, currency devaluation refers to the decrease of the exchange capacity of a unit of domestic currency to foreign currencies and the decrease of the foreign exchange rate of domestic currency. For example, if 100 US dollars were exchanged for 300 RMB last year and 400 RMB this year, the RMB will depreciate. The devaluation of currency causes the rise of price in China. However, currency devaluation can stimulate proction under certain conditions, and rece the price of domestic goods abroad, which is concive to expanding exports and recing imports. Therefore, after the Second World War, many countries used it as a means of anti economic crisis and stimulating economic development.

7. Bitcoin
was proposed by Nakamoto on November 1, 2008, and was officially born on January 3, 2009. According to the idea of Nakamoto, the open source software is designed and released, and the P2P network on it is constructed
bitcoin is a virtual encrypted digital currency in the form of P2P. Point to point transmission means a decentralized payment system
unlike all currencies, bitcoin does not rely on a specific currency institution to issue. It is generated by a large number of calculations based on a specific algorithm. Bitcoin economy uses a distributed database composed of many nodes in the whole P2P network to confirm and record all transactions, and uses cryptography design to ensure the security of all aspects of currency circulation
the decentralized nature and algorithm of P2P can ensure that it is impossible to artificially manipulate the value of bitcoin through mass proction. The design based on cryptography can make bitcoin only be transferred or paid by the real owner. This also ensures the anonymity of money ownership and circulation transactions
the biggest difference between bitcoin and other virtual currencies is that the total amount of bitcoin is very limited and it has a strong scarcity
on December 17, 2017, bitcoin reached an all-time high of $19850.

8. The third-party payment platform was first proposed by Ma Yun at the 2005 World Economic Forum in Davos, Switzerland. He said in the meeting that e-commerce should first be secure e-commerce. An e-commerce environment without security guarantee is not really honest and trustworthy. In order to solve the security problem, we must start from the transaction link and thoroughly solve the payment problem
Ma Yun saw that after eBay entered China, C2C might become B2B, so he entered this field; After entering this field, it is found that payment is the core problem that needs to be solved in C2C. Therefore, Alipay has come up with this tool.
1. The third-party payment platform is said to be free of charge
2005 began, people began to notice the words of Ma Yun, there appeared many similar third party payment platform, Alipay as a solution to online transactions payment, from the current situation, in this direction, Alipay is undoubtedly the farthest of all domestic competitors. At present, Taobao is the largest and only free customer of Alipay, and all other online stores in China are Alipay's paid users.
therefore, the third-party payment platform generally charges. In the past, the payment platform of eBay charges, but now in order to compete with Taobao, there is no charge

2
the first way: through continuous cultivation of C2C market, Taobao will start to charge when it is big enough. Now Taobao does not charge. On the one hand, considering that the C2C market is not yet fully mature; On the one hand, they haven't thought about how to charge
second ways: from the commercial point of view, Alipay's profit model has many forms. Its strong platform and strong partners may be the future source of profit. Although Alipay now has a 100 million long fund, it can not form the capital of negotiations relative to the 10 cooperative banks. Future negotiations will inevitably appear in the bank's handling charges and remittance fees. At present, if members of online transactions are in different places, about 1% of the remittance fee will occur. At the same time, if Alipay charges, it will incur costs. When Alipay is big enough, the two fees can be packaged into one to minimize the cost of the exchange. This will be a profit point for the payment platform
third ways: Alipay will be sold to other online stores as a solution to online transactions, instead of taking certain fees according to the total amount of transactions, just like other domestic payment platforms.
the third way: from logistics, because many domestic logistics systems are not perfect, so the way of logistics companies to pay the fees can not be realized
in addition, it is said that Alipay's profits come from its resident funds interest and investment returns. However, as a platform for payment of the third party, Alipay is regulated by the CBRC, but these funds are kept in the form of deposits, and banks pay interest according to the agreement. The annual interest of 100 million yuan is about 1.5 million yuan
therefore, its profit lies in the transaction fees and the interest of resident funds. As for the return on investment, because of the supervision of banks, it is also untenable< Where is the place where Alipay differs from br />
3. Alibaba? br />
A As the third party payment platform, to ensure the safety and security of the buyers and sellers on the network,
the seller will receive the money after receiving the money through Alipay's virtual account, and the buyer will distribute the money to the seller through Alipay when the goods are received and confirmed. As a financial business, banks are only responsible for the flow of cash< br />B The third-party payment platform integrates the capital flow (bank), information flow (transaction order) and logistics (logistics company) in e-commerce, so that the three are organically linked and the integrity environment of e-commerce is better improved. However, traditional banks can not do these things

so Alipay only makes a difference between a Guarantee Corporation and a traditional bank.

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new point of E-commerce -- Perspective of third-party payment platform For consumers, online trading has become a part of daily life from a new and unknown thing. Relevant investigation shows that: 1; Because it is far away from congestion, traffic jam, queuing payment and other troubles, and with the development of e-commerce activities, the transaction system is increasingly standardized and improved; More consumers are going out of Gome, Carrefour and other large supermarkets to do online shopping in online channels such as eBay and Taobao
for online businesses, traditional payment methods, such as bank remittance and postal remittance, require buyers to go to the bank or post office to handle trivial remittance business; If the cash on delivery method is adopted, it will bring some risks and expensive logistics costs to the merchants. Therefore, online payment platform is graally born under this demand. As one of the important components of e-commerce, online payment has become the inevitable trend of the development of e-commerce
online payment platform means that the platform providers establish a connection between online businesses and banks by using standardized connectors, so as to realize online cash payment, cash flow, fund clearing, query statistics and other issues from consumers to financial institutions and businesses. The application of the third-party payment platform effectively avoids the risks of goods return and exchange, integrity and other aspects in the transaction composition, and provides complete support for businesses to carry out e-commerce services such as B2B, B2C, and even C2C transactions and other value-added services. Among them, the most typical is the PayPal payment tool used by eBay. PayPal is open to nearly 40 countries around the world; It's the most popular free credit card tool on the Internet, and it's a main way to collect money online

the first third-party payment company appeared in the domestic market as early as 1998. At present, the well-known providers of domestic online payment platform services mainly include Shouxin "easy payment", Yida Xindong, cloud net, etc. Among them, the service scope of platform service providers such as Shouxin and Yida Xindong has spanned B2B, B2C, C2C and other fields, accumulated a certain number of fixed users at home and abroad, and occupied the congenital business background advantage. With the rise of online games in China, cloud net has become a black horse in the electronic payment instry

with the rapid popularity of online payment since the beginning of the year, more and more third-party payment service platforms have begun to appear and join the battle group“ More and more payment tools such as Alipay and "Fu Fu Tong" continue to add fuel to the fire in the new business field, which greatly accelerates the rapid development of online payment business in China. The barriers of credit card across banks and regions in China are being graally broken. In the past, the authentication standards of various bank cards were not unified, and the online payment could not be realized uniformly, and the same bank credit card could not be paid in other places; Due to the problem of geographical restrictions, consumers have to have more than ten cards in hand if they want to complete online shopping freely, and online businesses must also have the authentication software of various banks. Today's third-party payment platform relies on China UnionPay, backed by the gold card project, and has been strongly supported by major commercial banks. After access, it can connect many banks, gateways and even international cards at the same time, comprehensively promoting the smooth flow of online trading channels

2005 is the year of secure payment of e-commerce in China. The comprehensive application of third-party payment platform has become a new trend to carry out e-commerce and increase the competitiveness of traditional enterprises. After the credit / logistics / cash flow problems that have plagued e-commerce for a long time have been solved through the application of online payment tools, the application of third-party payment platform to enhance the image and competitiveness of the website, improve consumer loyalty, and rece transaction risk will be more than one stone<

China's e-commerce market has entered a growth period

(there are also pictures, see http://it.enorth.com.cn/system/2006/05/16/001305120.shtml

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http://www.enorth.com.cn 2006-05-16 12: 17

[special topic] chronicles of China's B2B market

total transaction volume of China's e-commerce from 2001 to 2005

Chinese Internet users from 2003 to 2005 On March 16, 2006, CCID Consulting (Stock Code: hk8235), a well-known domestic market research and management consulting organization, released the annual research report on China's e-commerce market and investment opportunities from 2005 to 2006. The report shows that: after 10 years of development, China's e-commerce software and hardware environment has been significantly improved. The network infrastructure is more perfect, the broadband penetration rate is greatly improved, the number of Internet users is increasing rapidly, the e-commerce awareness and application of instries, enterprises and indivials are increasing day by day, the government is stepping up the introction of corresponding laws and regulations, and the e-commerce market is growing steadily... All kinds of signs show that in 2005, China's e-commerce has entered a growth period<

the market scale is growing steadily, and the profit situation is not optimistic

2005 is an extraordinary year for the development of China's e-commerce, with the transaction volume of e-commerce reaching 740 billion yuan, an increase of 54.2% compared with 2004, and the proportion in the global e-commerce transaction volume has increased from 2.08% in 2004 to 2.23%

however, in contrast to the continuous expansion of the market scale, the profitability of e-commerce is still not very optimistic. In addition to B2B business model has been profitable, B2C and C2C e-commerce profitability has not been significantly improved. In order to have a long-term foothold in the market, B2C business model manufacturers have chosen to expand the scale of their enterprises in the case of balanced revenue and expenditure, while C2C business model manufacturers are basically competing for users under the condition of free. Paying too much attention to the market scale is the main reason for these manufacturers' delay in making profits; In addition, the failure to find a more suitable profit model for China's national conditions is also the key factor for the two business models to make profits< With the entry of overseas capital and the increase of the number of competitors, the competition in China's e-commerce market is extremely fierce, but the competition pattern changes little. In the field of B2B, Alibaba still holds the position of market leader, and even becomes the world's largest B2B e-commerce giant. Compared with 2004, its profit growth rate in 2005 reached almost 100%. The C2C field still continues the fierce battle between Taobao and eBay. In 2005, Taobao joined the original strength of Yahoo and the 1 billion capital of Yahoo China, which is stronger than eBay and becomes the leader of C2C field temporarily. Compared with the popularity of B2B and C2C market, B2C field appears more calm. Since excelsior changed its business strategy and turned to the "big and comprehensive" Amazon model, the price war with Dangdang has become more fierce. While Dangdang is striving to top B2C and expand its sales, it has also shifted some of its energy to do business

9. According to the information you provided, if you are registering for a third-party software account and need to cancel, it is recommended to contact the customer service of the third-party software to find out how to cancel it.