Hundredsoflecturesonthehistoryoftheevolutionofpaymentinonearticle

The origin of payment

In ancient times, face-to-face bartering was the key means of payment at that time; during the Spring and Autumn Period, a unified currency "round bronze coin" emerged in Chinese society, and coins became the means of payment rulingbest payment gateway the whole economic activity. Although the form of money relied on for payment is different, both have the characteristics of authenticity and visibility.

Cash Settlement

Cash settlement is the simplest form of payment of the price in a sale. Once the shareholders of a shell company receive and pay cash for the shares they own, they no longer have ownership of the shell company and all other rights derived from it.

Internationally, there are two types of cash settlement payment methods: immediate payment and deferred payment. Deferred payment generally relies on investment banks, which are able to issue some form of documentation on behalf of the acquiring company as payment to the shareholders of the target company, and the acquirer is able to gradually repay the documentation using the cash income generated by the target company.

There are two types of payment methods for Chinese listed companies: lump sum and installment, with installment repayment equivalent to deferred payment, but not yet visible in buy-shell transactions.

For a long time, cash settlements assumed a very important role, and this shifted when mobile payments occurred.

The occurrence of mobile payments

The 21st century is the era of unprecedented development of information technology. Today, with the rapid development of the Internet, cloud computing and big data, payment methods have long undergone a radical transformation. The virtualization and convenience of payment methods in cultural life have led to a silent shift in the way customers consume.

Payment technology innovation in recent years, the third-party payment field to participate in the main show "household names, a hundred flowers," the situation, the major financial enterprise platform, communication operators and cell phone manufacturers have participated in the flood of payment innovation, the emergence of two-dimensional code payment, MFC offline payment, biometric payment, photonic payment, the 5 new payment technologies, payment and technology innovation is a major manifestation of the progress of the payment industry, but technology is a double-edged sword, the current variety of payment technology is not seamless.

NFC payment

NFC offline payment is China UnionPay together with Apple, Samsung and other cell phone manufacturers to enter the third-party cell phone payment market relies on payment technology, because the whole payment does not rapid 3d prototypingrequire mobile networks, bank card numbers and transaction passwords, NFC payment is also considered to be the most secure payment method, NFC payment method can be said to be the role of cell phone software and hardware configuration of an ultimate integration.

Therefore, the promotion of NFC payment technology depends on the promotion rate of the new smartphones of cell phone manufacturers, and in addition, the current cost of NFC technology is relatively high, which may eventually lead to the unsatisfactory promotion of NFC payment technology.

Biometric identification

Biometric identification currently mainly contains: face recognition system, fingerprint recognition system, iris biometric technology, in addition. There are also palm print recognition technology, voice recognition technology, etc.

Biometric identification has twocontainer major technical advantages over other payment technologies.

One, biometric recognition is convenient and highly efficient, for example, fingerprint recognition is able to pay easily by simply putting one's finger on the NOME key.

Second, security is relatively high, each person's fingerprint, face, iris and other biological organs are unique, effective way to improve security, key third-party payment platforms have been introduced to the role of fingerprint verification, biometric identification or become the most likely to replace the two-dimensional code payment hegemony of the payment technology.