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Mobile finance (for personal use)

2022-04-23 15:34:00 Xiao Liu has a lot of money

Mobile finance ( Personal notes )

Chapter one E-commerce and payment
Section 1 : E-commerce construction
  • Three development stages of e-commerce :

    1. be based on Electronic data Exchange e-commerce

    2. be based on Internet Our e-commerce

    3. be based on Mobile Internet Our e-commerce

  • Mobile financial activities :

    • Check your bank account with your mobile phone
    • Stock trading with mobile phones
    • Mobile insurance with mobile phone
  • Classification of e-commerce :

    • ABC: By == Agent (Agents)、 merchants (Business) And consumers (Consumer)== Jointly built integrated production 、 business 、 E-commerce platform integrating consumption .
    • B2B:(Business To Business, In English 2 The same pronunciation as to equally ) Pattern is a kind of Between enterprises Products through the Internet 、 The marketing mode of service and information exchange .
      • Amazon
      • eBay
      • Alibaba
    • B2C: Refer to Electronic Commerce A model of , It's also == Directly to consumer Sales of products and services retail Pattern .
      • Suning e-buy
      • Weipinhui
    • C2C : Full name Consumer to Consumer, Professional terms of e-commerce , Means Consumption activities between individuals .
      • TaoBao
      • JD.COM
      • Tmall : Tmall was founded in 2011 year 6 Month is a comprehensive shopping website .
      • Vipshop : Vipshop is a comprehensive shopping website .
    • B2G: It is a newly emerging e-commerce model , namely “ Businesses go to the government ”( It's a term B2B or business-to-government Change form of )
    • B2T:(Business To Team), Is the B2B,B2C,C2C After another E-commerce model . That is, a team purchases from merchants .
    • O2O:( English :Online to Offline), Also known as offline business model , It refers to online marketing, online purchase or reservation ( make an appointment ) Drive offline operation and consumption .
      • Meituan
      • 58 Same city
      • Suning ——“ Store to business district + Double line with the same price ” Of O2O Pattern
  • E-commerce features :

    • Globalization
    • virtualization
    • Transparency
  • The software and hardware foundation to ensure the normal operation of e-commerce application system :

    • Network infrastructure
    • Fundamentals of network development
    • Fundamentals of network delivery
    • E-commerce service foundation
  • Global e-commerce development

    • The market is expanding
    • The regional gap is gradually narrowing
    • Mergers and acquisitions tend to be frequent
    • The sharing economy has sprung up
In the second quarter : E-commerce and Finance
  • Classification of network externalities
  • Direct network externalities
    • It is the change of economic income caused by the change of the number of users consuming the same product , That is, the increase in the number of users consuming a product directly leads to the increase in the value of the commodity .
  • Indirect network externalities
    • As the number of users of a product increases , The number of complementary products of this product has increased , Changes in value resulting from lower prices .
  • Three laws of e-commerce network economy
    • Moore's law
      • This is the real reason for increasing returns , Because it shows a falling marginal cost .
    • Metka's law
    • The value of network economy is equal to the square of the number of network nodes , This shows that the benefits generated and brought by the network will increase exponentially with the increase of network users .
    • Davydo's law
    • It is believed that the first generation products entering the market can automatically obtain 50% Market share
  • The product of network economy ——BAT The monopoly
  • New opportunities brought by e-commerce to the financial industry
    • E-commerce enables the financial industry to reduce costs , Increase revenue , Increase competitiveness
    • E-commerce makes the financial industry surpass the limitation of time and space
    • E-commerce will further consolidate the payment and settlement position of the financial industry
  • Completion
    • In real economic activities, there are mainly two development trends
      • Promotion of information technology
      • Globalization
    • E-commerce makes The financial industry reduces costs , Increase revenue , Enhance competitiveness
    • Ant gold clothing has two plates , Namely Payment sector and Financial sector
  • E-commerce brings new circumstances to the financial industry
    • E-commerce reduces financial costs , Increase revenue , Enhance competitiveness
    • E-commerce makes the financial industry surpass the limitation of time and space
    • E-commerce will further consolidate the payment and settlement position of the financial industry
The evolution of payment methods and payment systems
  • Payment and payment system are the foundation of modern social and economic development 、 The basis for the normal operation of business activities
  • Limitations of e-commerce
    • Lack of convenience
    • Low security
    • Lack of coverage
    • Not very adaptable
    • Lack of support for micro payment
  • The world's first online bank was established on the Internet by three American banks —— Security first, Internet banking (SFNB)
  • The local clearing house is owned and operated by the central bank , Its main responsibility is to be responsible for the fund settlement of intra city payment transactions .
  • China's national modern payment system (CNAPS) It's on China's national financial communication network (CNFN) Running China's national modern payment system
  • Completion
    • Payment and payment system are the foundation of modern social and economic development 、 The basis for the normal operation of business activities
    • China's financial system is dominated by state-owned commercial banks , The current banking system with the coexistence of multiple financial institutions
The fourth quarter, : Online payment and the development of e-commerce
  • The development of e-commerce requires information flow 、 The three flows of capital flow and logistics are unblocked
  • Capital flow mainly refers to the process of capital transfer , Including payment 、 Transfer accounts 、 Exchange and other processes
Chapter two : Electronic banking
Section 1 : Overview of bank electronization
  • Bank electronization refers to the adoption of Computer technology 、 Communications technology 、 Network technology and other modern technical means
  • The process of bank electronization can be summarized into four stages :
    • Electronic stage of traditional business processing
    • Provide self-service stage (ATM POS)
    • Stage of providing financial information services for customers ( fund , bond , foreign exchange , Financial news )
    • Online banking stage
  • Characteristics of bank electronic system :
  • Timely and effective
  • Accurate and reliable
  • Continuously scalable
  • Open and multifunctional
  • Security
In the second quarter : Architecture of e-banking
  • EFT System
  • E-banking generally has the financial information and transaction system shown in
    • Customer
    • Accounting settlement
    • Trading Services
    • Financial information services
  • People's Bank of China
    • It is the only institution that issues money in China. It is the Bank of the bank
  • Short answer
    • According to the object-oriented, the integrated business service system of e-banking is mainly divided into several types of business systems
      • Customer oriented business system
      • Business system for correspondent banks
      • Internet banking system
      • Bank internal management system
In the third quarter : Overview of electronic payment system
  • Electronic payment system is determined by three aspects
    • Means of payment
      • Means the payment medium , E-cash , E-check , The credit card …
    • Payment mode
      • It refers to when users use money to buy payment means , That is, prepayment or post payment
    • Scope of payment
      • Refers to the field of system application
  • Participants included in the electronic payment system
    • The issuing bank
    • Payer
    • merchants
    • Accept bank
    • Clearing bank
  • Security of electronic payment system
    • integrity
    • anonymity
      • Non observability
      • Untraceability
      • No relevance
  • Compared with traditional payment methods , What are the characteristics of electronic payment
    • Electronic payment uses advanced technology to complete the transmission of information through digital flow , The traditional way of payment is through cash flow ….
    • The working environment of electronic payment is based on an open system platform
    • Electronic payment uses the most advanced means of communication
    • Electronic payment is convenient , quick , Efficient , Economic advantages
The fourth quarter, :ATM Systems and POS System
  • ATM function
    • Cash withdrawal function
    • Deposit function
    • Transfer function
    • Pay merit can
    • Account balance query function
    • Non cash transaction function
    • management function
  • ATM System ( According to the nature of the network )
    • Proprietary systems
      • Bank
    • Sharing system
      • Bank Go with him
  • POS System
    • Transmatic
    • Automatic Authorization
    • information management
  • POS How the system works
    • Direct transfer
    • Offline Authorization
    • Online Authorization
  • POS Transaction processing flow of the system
    • Apply for authorization
    • Accounting treatment
    • Close the deal
The third chapter : Electronic money
Section 1 : Overview of electronic money
  • The basic function of money
    • Value measure
    • Circulation means
    • Storage means
    • Means of payment
    • The currency of the world
  • The concept of electronic money
    • E-money refers to the retail payment mechanism through the sales terminal 、 All kinds of electronic equipment , And the method of performing payment on the open network ‘ Store value ’ Products and prepayment mechanisms . there " Store value " A product is a value that is stored in a physical medium and can be used to pay , This physical medium can be a smart card , Wallet …
  • Conditions for the generation of electronic money
    • The progress of information technology is the premise of the emergence and development of e-money
  • The difference between electronic money and traditional money
    • The distribution mechanism is different
    • Different occupancy space, simultaneous interpreting of traditional currency denominations
    • Different delivery methods
    • Different degrees of anonymity
In the second quarter : Bank card
  • In a broad sense : Refers to commercial banks , Those issued to the public by non bank institutions or professional card issuing companies have credit overdraft 、 Consumption settlement … Payment instrument
  • narrow sense : Bank card refers to the bank card issued by commercial banks
  • Bank card
    • Debit Card
      • Deposit before consumption
    • The credit card
      • Within the credit limit, use it first and then pay it back
  • Composition of mobile communication system
    • Mobile communication network technology
    • Mobile application platform
    • Mobile communication terminal
  • The function of bank card
    • Deposit and withdrawal function
    • Consumer payment function
    • Transfer settlement function
    • Agent collection and payment function
    • Consumer credit function
    • Online payment function
  • Bank card features
    • fashion
    • modern
    • Information
    • High-tech
    • quick
    • facilitate
In the third quarter : Virtual currency
  • The economic function realized by virtual currency
  • Payment instrument
  • Trading medium
  • Incentive tools
  • Accounting tools
  • Operation process of virtual currency
    • Release process
    • The transfer process between non operators
    • Recycling process
Chapter four : Electronic bill payment system
Section 1 : Bill business
  • In a broad sense : Stocks 、 Corporate bonds
  • narrow sense : Bills of exchange and bank cheques
  • Note characteristics
    • Essential formality
    • Semantic
    • No cause
    • independence
    • sodality
  • The three parties to the bill
    • Ticket issue
    • Drawee
    • payee
  • Bills of exchange can be divided into
    • Bank draft
      • The issuer is the bank , A draft drawn on another bank
      • Mostly clean tickets
    • Commercial draft
      • The issuer is a firm or individual
      • Mostly documentary bills
  • Check
    • image-20220404184259343
    • Check classification
      • Check to order
        • Record the name of the payee
      • Bearer check
      • Cross a check
      • Certified check
      • cash cheque
      • Bank check
      • Traveler's checks
    • Check features
      • Simple and convenient
      • flexible
      • rapid
      • reliable
    • The main features of the bill
    • A bill is a certificate of authority : Claim for payment 、 The right of recourse
    • There is no reason for the rights and obligations of the instrument
    • The bill laws of various countries require the standardization and standardization of the form and content of bills
    • Bills are negotiable securities
In the second quarter : E-check
  • advantage
  • Electronic checks work in the same way as traditional checks , Easy to understand
  • Electronic checks are encrypted with a public key
  • Third party financial service providers can not only withdraw fixed transaction fees from both sides of the transaction Office … Bring benefits to third-party financial institutions
  • Electronic check technology connects public networks to financial payment and bank clearing networks , Realize the automation of business process processing
  • Electronic checks can float , Floating is an important condition for business
  • Save money
  • People who use electronic checks only need to deal with banks , Convenient for customers , In addition, if an electronic check is lost, you can report the loss and stop payment
  • E-check can enter the e-commerce market between enterprises
  • Electronic checks involve three entities :
    • Buyer
    • Seller
    • Financial institutions
  • NETBILL working process
In the third quarter : National check image exchange system
  • National check image exchange
The fifth chapter : Pay online
Section 1 : Online payment basis
  • payment gateway
    • Secure interface between public network and bank private financial network .
  • Electronic credit card payment tools
    • Debit Card
    • phonecard
    • The smart card
  • Payment and settlement is the final realization of Cash entities From the sender to the payee Business process
  • Basic functions of online payment
    • Be able to use digital signature and digital certificate to authenticate all parties of online commerce
    • Encrypt relevant payment information flow
    • Digital summary ( Digital fingerprints ) The algorithm confirms the authenticity of electronic payment information
    • The online payment system must generate or provide sufficient evidence in the process of transaction to quickly distinguish right from wrong in the dispute
    • Dealing with multilateral payments in online trading
    • It can ensure the speed of online payment and settlement
  • Characteristics of online payment
    • The online payment method is digital code
    • Online payment is based on Internet And VPNs
    • Online payment is easy to use , A wide range of content
    • Online payment and settlement have high security and consistency
    • It is the customer's responsibility for banks to provide online payment and settlement service support Increased satisfaction and Loyalty
In the second quarter : Online payment method
  • B2C E-payment is between enterprises and individuals , Government departments and individuals , The online payment method used by individuals in online transactions
  • B2B E-payment is between enterprises and enterprises , Enterprises and government departments Online payment is adopted in online transactions ( Suitable for larger networks )
  • MONETA: It is a mobile payment business brand jointly launched by Korean companies and five card organizations
  • Online payment method :
    • Micro payment
    • Consumer level online payment
    • Commercial online payment
  • Short answer
    • E-cash is also called Digital cash , It is the digitization of paper money and cash
    • Electronic check in a broad sense refers to Paper check Electronic substitutes for , It is issued by the customer to the payee 、 Unconditional digital instruction
    • In a narrow sense, e-check refers to be based on Internet For sending and processing payments Online service tools
Chapter six : Third party payment
Section 1 Overview of third party payment
  • Type of third party payment
    • Account payment mode
      • Transaction platform account payment mode
      • Platform account payment mode without transaction account
    • Payment gateway mode
    • UnionPay electronic payment mode
  • Mobile payment tools belonging to electronic check include : Electronic money order , Electronic transfer , E-check
In the second quarter : Supervision of third-party payment institutions
  • According to the size of transaction finance, mobile payment can be divided into :
    • Micro payment
    • Macro payment
  • Brief introduction of China's current electronic payment market system
    • Mainly by Focus on functional supervision And Focus on the main body supervision form
      • The scope of functional supervision is transcend trades and professions 、 Cross market " strip " Pattern
      • It is important to pay attention to the supervision of the main body For a certain industry or market " Lump " Pattern =
In the third quarter : Introduction to the third payment platform
  • Typical third-party payment services in the United States Paypal
    • Transaction search
    • Record transaction details
    • Transaction cancellation
    • Bulk payment
  • Alipay online usage flow
    • register
    • Recharge
    • Select goods
    • payment
    • Received the goods
The fifth chapter : Mobile finance
Section 1 : Overview of mobile finance
  • Photon payment
  • What is mobile finance :
    • Mobile finance is to access computer media network with the help of electronic mobile devices , Any transaction to realize the ownership or use right of goods and services
    • Improved convenience
    • Improve safety
    • Provide the function of short-range communication consumption
  • The advantages of mobile banking include
    • Breakthrough in business functions , Safety protection is guaranteed , Customer operation is more convenient
  • Briefly describe the advantages of mobile finance
    • Compared with traditional entity financial services , The advantage of mobile finance lies in its flexibility , Not limited by space and time , Meet customers' demand for payment services and other financial services in the era of information economy anytime and anywhere
In the second quarter : Application of mobile finance
  • The payment model included in mobile payment
    • be based on SMS Payment
      • The transaction is carried out by means of SMS active on-demand
      • advantage : Broad user base , All mobile phones support SMS , Most people use SMS
      • shortcoming : Low safety , Slow speed
    • Move bills directly
      • On mobile sites
      • advantage : convenient , Security , Simple and convenient
      • shortcoming : Provide this service on a limited number of sites , It cannot be reflected in more areas of transaction and consumption
    • adopt WAP Mobile network payment
      • User from WEB Download additional applications on the page for payment
      • Trading services are limited to third-party payment platforms
    • Contactless proximity payment
      • NFC technology
      • SIMPASS technology
      • RF-SIM technology
  • Mobile banking function
    • Account query
    • Self service transfer
    • financial service
    • self-service
  • Long distance payment applied to mobile banking :
    • Short message
    • WAP( Wireless application protocol ), use WML( Wireless Markup Language )
    • KJAVA
    • BREW
    • Ordinary SMS
  • Advantages of mobile banking :
    • Mobile banking does not need to set up physical online stores , Lower transaction costs , Conducive to attracting rural areas , Low income people in remote areas participate in business activities , And take advantage of mobility and geography 、 The infinity of time provides personalized and convenient business channels for busy business people
In the third quarter : Business model of mobile finance
  • Short answer
    • Briefly describe the research on mobile finance Significance of business model
      • Mobile finance is of great significance to the development of China's financial industry , This paper makes an in-depth study on the current situation and business model of mobile finance of commercial banks in China , It will help to promote the rapid development of mobile finance in China , Form a perfect mobile financial industry with national characteristics , Provide more innovative choices for the development of China's financial services
The fourth quarter, : Foreign mobile finance development
  • Short answer
    • Briefly describe the development of global mobile banking business
      • From the current situation of global mobile banking , South Korea and Japan are in the electronics industry 、 Communication products have certain first mover advantages , The development of mobile banking is better ; The European 、 The United States is also mature in technology ; And in Brazil 、 venezuela 、 South Africa 、 Kenya 、 Sudan and other emerging market countries , The coverage of bank outlets is small , Facilities construction is also relatively backward , Therefore, there is a great demand for mobile banking , Therefore, the promotion is also relatively smooth
Chapter viii. : Internet Banking
Section 1 : Overview of Internet Banking
  • According to the service object
    • Personal bank
    • Corporate banking
  • By type of business
    • Retail banks
    • Wholesale banks
  • Press create mode
    • Burden the bank
    • Direct bank
  • At present, the implementation of mobile banking has been widely used
    • GSM SMS mode
    • WAP The way
  • Briefly describe the services provided by Internet Banking
    • The services provided by Internet banking generally include two types :
      • Business of traditional commercial banks , This kind of business basically occupied a dominant position in the early stage of the construction of Internet Banking
      • The other is designed completely for the characteristics of multimedia interaction of the Internet
In the second quarter : The development of Internet banking
  • The world's first financial organization named after Internet Banking —— Security first, Internet banking (SFNB)
  • Mobile banking
    • Mobile banking is the use of ATM And financial services formed by information exchange between computer wireless technology and banks , Mobile banking can be extended to remote villages through modified cars , Cellular packet control technology can also be used to ensure safe and fast data exchange , Realize the virtual mobile of bank financial services
In the third quarter : Functions and characteristics of Internet Banking
  • The specific application of mobile banking is mobile fund

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