Go to the supermarket with a bank card, take a taxi to use the Alipay, use the IC card for the bus, eat at the restaurant to buy a card, buy online, use online banking for online shopping... In life, there are fewer and fewer places to use cash.
Not long ago, taxi software "smashing the car" and "fast taxi" swept Harbin, people found that now you can do it without having to carry cash with you, even if it is more than ten dollars, not only the bus IC card can Pay, the phone can also do this. Nowadays, more and more non-cash trading methods have been integrated into the lives of citizens, such as online banking, Alipay, WeChat or bank cards, all of which have payment functions. We are entering a new payment era.
Bank card for non-cash transaction
For people who travel frequently, the frequency of using cash is always high. Ms. Wei, who is doing sales work, often travels because she wants to run the market. When traveling, living in stores, shopping, many places use money.
"When I first went to work, every time I went on a business trip, I had to take out a piece of cash from the bank in advance, and I had to put it in an envelope and press it on the innermost layer of the suitcase. Every time I went out, I would not leave the suitcase." Ms. said that if she is on a business trip, as long as she has a few hundred yuan in cash, it is very convenient to use the credit card to pay for shopping and settlement of the hotel after landing.
In fact, the convenience brought by credit cards is not just as simple as card consumption. Citizen Xiao Yang bought one of the first time when Apple 4S was just listed. He told reporters that his monthly salary is only 3,000 yuan. It is not enough to buy or drink without buying or drinking. However, through the installment of credit cards, as long as it is more than 400 yuan per month, it will buy mobile phones in less than one year. The money is over. This allowed Xiao Yang to have an Apple phone in time as other Apple fans.
According to reports, as early as the 1950s, because of the dilemma of eating without a wallet, smart Americans discovered business opportunities and founded the first credit card company. This has turned the popular credit scene in rural small shops into a fashionable trading behavior of first consumption and repayment. Until now, credit card payments have been the most common method used by urbanites today, and they have penetrated almost everywhere in our lives.
It is reported that the usage rate of various bank cards such as credit cards in Harbin shows an increasing trend every year. According to the data of China UnionPay Heilongjiang Branch, in 2013, the total number of bank cards in Harbin Bank was 85,284,800, a year-on-year increase of 23.1%, and the transaction amount was 254.907 billion yuan, an increase of 44.13%. At the same time, there are more and more users using POS machines. In 2013, there were 84,308 pos machines in Harbin, a year-on-year increase of 65.5%. The city held 63,122 POS merchants, an increase of 80.24%. Think about whether you have contributed to this billion-dollar card transaction amount?
IC cards for non-cash trading methods are easy to pay and enjoy discounts.
When it comes to IC cards, many people must first think of a calling card. Once upon a time, when the mobile phone was not as popular as it is now, the IC card telephone booth was all over the streets. Now, the IC card that the city's citizens use the most is the bus card.
"Taking a taxi can be a bus card." Not long ago, all taxis in Harbin had the function of "paying for bus IC cards to pay fares", which made many trial citizens scream.
A citizen who just paid the fare with a bus card told the reporter that he didn't feel anything at all. When he was in a hurry, he felt that it was a waste of time to find money before getting off the bus. If you don't get it, you will get a lot of change. .
"We are afraid of receiving fake money when we rent out, and we are afraid of frequent change." Night taxi driver Zhang Shifu told reporters that if the card payment is really accepted by more and more citizens, it can not only avoid these two major problems. The transaction between us and the passengers is also more convenient.
In fact, in addition to credit cards, debit cards, and many other cards that can replace the meaning of cash, basically all use the form of IC cards. For example, the meal card that everyone usually goes to eat in the cafeteria, the fitness card in the hands of fashionistas, the beauty card, and the prepaid cards launched by some merchants all have the function of paying for consumption. And some supermarkets, large department stores, a variety of stored value cards, membership cards, not only have the function of replacing cash payments, customers can also enjoy discounts on card discounts. A small Wu who just finished the stored value card in the cake shop downstairs in his own home told reporters that a piece of cake with ten yuan is eight pieces. It doesn't cost cash, but also spend less. Why not? .
In front of the checkout counter of a large supermarket in Nangang, Ms. Qu in the public handed over the value card of a supermarket to the cashier. The cashier lightly stroked and reminded Ms. Qu, this time spending 46.3 yuan, and now there are 323.3 yuan left in Cary. Ms. Qu told reporters that in the supermarket shopping, many goods have a fraction, some products in order to play specials, and even a few corners of a few points, each time you pay back a lot of coins, very troublesome. "Because it is convenient, I will buy a few of them," Ms. Qu said.
According to reports, IC cards, also known as integrated circuit cards, are constructed by embedding one or more integrated circuits on the same plastic card as the ordinary credit card. The IC card can conveniently store car fares, telephone bills, subway ride fees, canteen dining fees, road tolls, and shopping tours. Although the IC card replaced the function of cash, the reporter found that many of the circulating IC cards are mostly non-real-name systems, and once they are lost, they cannot be retrieved. Therefore, even if it is convenient and has certain benefits, the amount of "savings" by the public is usually small, but nowadays, the various cards in the hands of the public have become more and more.
Mobile payment by non-cash transaction instead of "wallet" to pay anywhere, anytime
In addition to using the bus IC card to pay the fare, there are still citizens who use the "mobile payment" function when they take a taxi.
Looking at the netizen's commentary on the overwhelming "taxis software" in the circle of friends, Mr. Yang, who is ignorant of the mobile phone payment, is in a tickle. In order to enjoy the discount, at the beginning of this year, Mr. Yang downloaded the taxi software and installed Alipay wallet on his mobile phone. That is, from that day, Mr. Yang did not drive a day, and rented it every day.
Not only that, but Mr. Yang’s daily life habits have also quietly changed. He told reporters that because of the frequent business contacts, it is necessary to make a large number of calls every day. It turns out that every time I go to this place, I will go shopping for a recharge card or look for a payment service hall. Sometimes I catch up with the peak of the business at the end of the month, and the line of payment has to be queued for a long time, so he is so anxious. "It is now possible to pay for the call by mobile phone, pay anywhere, anytime, and not even use the door. It is convenient."
Nowadays, more and more young people can accept the AA system, and Alipay wallet and WeChat payment have also launched the "AA collection artifact". Qu Hui, who works at a publishing company, told reporters that colleagues often go to work together to go to a coffee shop or dinner party. After the consumption, everyone will use AA payment in Alipay wallet. Generally, they can pay in advance and then send AA to colleagues. As for the payment request, as long as the average allocation is selected, the colleague can complete the payment according to the Alipay prompt, and the money can be directly into the Alipay account. Qu Hui said that before everyone eats is also AA system, but each time it is impossible to be an integer, it is impossible to achieve a full average, but also face to face money, very embarrassing. Paying with your mobile phone is not only convenient, but you don't have to be embarrassed.
Mobile payment is called electronic wallet by many people. For many consumers, mobile payment makes it easier to carry money, and the consumption process is more convenient and simple. There is no longer a headache for long queues in various payment halls, and there is no need to worry about not finding an ATM machine to check the balance of the bank card. Nowadays, more and more young people will turn their mobile phones into “walletsâ€, and there is no need to worry about these trivial things.
Non-cash trading methods, online banking security is relatively high, everyone loves online banking
Liu Hao came to Harbin to go to university from his hometown of Hubei last year. After completing the admission procedure, he went to the bank's business outlets in the school to handle a bank card and opened an online banking business. Liu Hao told reporters that as long as online banking is opened, there is no need to run the bank anymore. It is also convenient for parents to send money and it is easy to check.
Nowadays, online banking has gradually entered people's lives. When you go to any bank to apply for a bank card, the salesperson will ask you if you want to open an online bank, and most of the citizens will not refuse. To open an online bank, you only need to complete the registration at the lobby manager.
Like many couples, Ms. Chen and her boyfriend will go to the group buying website every Friday to choose a good and cheap hotel. By the way, look at the movie theater, KTV or leisure bar group purchase promotion activities. Buy group coupons and pay through online banking. Ms. Chen told reporters that now that two people go out shopping, they will not bring too much money, because they have already paid in advance, and the rest is directly in the store according to the established plan.
It is reported that among many non-cash transactions, online banking is most liked by the citizens of Harbin. Many citizens have said that in virtual payment, they are afraid of viruses in their computers and the account is stolen. However, in many payment methods, online banking is used. Not only is the transaction convenient and fast, but the security is also relatively high.
Two-dimensional code scanning of two-dimensional code payment for non-cash trading method has begun to "test water"
When Ms. Liu was shopping at a shopping mall in Central Street, Harbin, she saw a poster in front of a dessert shop. The poster printed a QR code and scanned the phone. Ms. Liu told reporters that every time she went out to eat or shop, she found that the favorite restaurant would ask the other party's WeChat public platform, or directly scan the merchant QR code to become a member of the merchant WeChat public platform, not only can enjoy membership treatment, but also Get timely access to some new listings.
In a fashion restaurant in the Dori Aijian business circle, the boss printed the QR code of the restaurant on the table card of each table. The waiter told the reporter that because there are many young people entering the restaurant, almost everyone plays WeChat, as long as one Scan the QR code and you will pay attention to the restaurant's WeChat platform and enjoy a 15% discount. “With the WeChat platform, it is also good for us to promote.â€
The QR code can compile the URL, text, photos and other information into a square bar code pattern through the corresponding encoding algorithm, and the mobile phone user can re-decode and view the related information through the camera and the decoding software. At the moment, not only business promotions, but even some school enrollment and bill security, are beginning to use QR codes. The QR code payment has also quietly begun, which is the payment method that Tencent has pushed forward recently. Ms. Liu told the reporter that this payment method is more convenient, and the elderly and children can learn quickly. After the user places an order, the user can directly complete the payment by scanning the QR code with the mobile phone.
However, the central bank recently stopped calling face-to-face payment services such as bar code (QR code) payment. Ms. Liu believes that there may be areas for improvement in this payment method, but I believe it will be one of the most important ways for us to pay in the future.
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