China's online payment users reached 904 million, accounting for 87.6% of the total number of netizens

China's online payment users reached 904 million, accounting for 87.6% of the total number of netizens

Gently scan, pay the bill

Daily consumption scan the code, and the home payment is moving ... As the mobile payment develops rapidly, many Chinese people have such a personal experience. "Now you don't need to bring a wallet with your mobile phone, it is enough." The popularity is getting higher and higher and the coverage is getting wider, and mobile payment has gradually become one of people's lives and consumption habits. The "China Payment Industry Annual Report 2022" recently released by the China Payment and Clearance Association shows that the number and amount of mobile payment business in China processed in 2021 were 282.67 times and 228.13 times in 2012, respectively. After nearly 10 years of development, mobile payment is a "standard" in daily life.

No cash? Just scan the code!

Scan the code and cycling, buy a movie ticket, shopping shopping, pay the gas fee at home ... A few days ago, Wang Wei, a "post -90s" staff member of a company in Guangzhou, opened an annual bill for mobile payment applications and found that in the year, he was Most payment is completed through mobile payment. "I have n’t paid for a long time. Now paying, I always habitually take out my mobile phone and scan.” Wang Wei said.

Not only are young people playing slippery, but middle -aged and elderly people also start to like to scan the code. Didn't cash go to the vegetable market? "Take your mobile phone, just scan the code!" In a farmer's market in Tongzhou District, Beijing, Aunt Chen, who set up stalls, saw that customers did not bring cash, and they would specifically refer to the two -dimensional codes of receipt. At the age of 60, she is dealing with the two -dimensional code of receiving payment every day. She said: "Now young people like to scan the code when they buy food. I slowly learn it. I do n’t need to find zero for collecting money. It’ s very convenient. ”

The "Annual Report of China Payment Industry 2022" released by the China Payment Clearance Association shows that as of the end of 2021, the number of Chinese online payment users reached 904 million, accounting for 87.6%of the overall netizens.

The application scenario of mobile payment covers all aspects of the people's life and has become a mainstream retail payment method. Related reports show that mobile payment is more active in shopping malls, convenience stores and large physical merchants in the catering, small physical stores such as small vendors, vegetable farms, and fruit shops, as well as transportation venues, e -commerce platforms, etc. Essence Netizens said that mobile payment is favored. Thanks to its simple and convenient operation, there is no need to bring cash or bank card. To important role.

Payment of online cross -cities

"Now you can pay social security premiums with mobile phone applets. You don't have to run for a special trip as before!" Xiao Wu's hometown working in Shenzhen in Shenzhen is now in Inner Mongolia. You need to search for the "social security payment" WeChat mini -program, and the fingertips can be quickly completed in a different place.

In recent years, tax departments in various places have continuously improved the level of digital services, social security payment channels have become more and more, and the payment methods have become more flexible. Last year, Inner Mongolia, Shanghai, Anhui, Ningxia, Guangdong and other places successively opened the channels for WeChat Mini Programs to pay social security. The provinces and cities and regions that support small procedures to log in to social security payments to the country have increased to 25. According to the "2021 WeChat Payment Social Security Data Report" released in March this year, in the past year, users paid a total of 750 million social security through WeChat payment, an increase of more than 30%year -on -year. most. In Alipay applications, social security inquiry and social security payment business in 292 cities across the country have been supported.

Public service departments in various places also open "windows" on mobile payment applications such as WeChat and Alipay, so that the masses can pay and do things without running legs or less legs. For example, the mobile payment platform actively cooperates with the construction of digital government affairs of various provinces and cities, opens the "Digital Citizen Center", and provides public security, medical, environmental protection, taxation, taxation, civil affairs, education, hydropower, transportation, transportation, and transportation. In Guangdong, the taxation department has jointly paid WeChat to create a mini -procedure "Guangdong Tax", which can provide 112 services such as taxation, taxation taxation, issuing invoices, social bonded, and tax -related inquiry.

Prevent safety risks at any time

Liu Dacheng, deputy dean of the Internet Industry Research Institute of Tsinghua University, said that the mobile payment operation is convenient, there is no time -space restriction, reducing transaction costs and fees, saving time and energy for users, greatly improving transaction efficiency, effectively promoting various types of trade. Social development is of great significance.

While mobile payment makes people consume more convenient, it also brings some risks and troubles. "Be deceived? I haven't been deceived. Don't talk nonsense." When I first received a call from the customer service staff of the anti -fraud center, Ms. Zhang, 58, was still transferring to the money of the "master of stocks". The platform stopped and angry. After the customer service staff patiently explained, Ms. Zhang decided to discuss with her family to make a decision. Half an hour later, Ms. Zhang called the customer service staff and thanked: "After a friend of my friend turned more than 20,000 yuan, the" Master of Stocks "could not be contacted. Thanks to your reminder this time, I was not deceived. ","

In order to prevent fraud and security risks brought by mobile payment, many companies are acting.For example, China UnionPay Cloud Flash Payment APP business has realized the main scenario docking user risk control system, and triggering disposal suggestions of different intensity; Tencent upgraded the "money bag guardian plan" to strengthen the user's advance security education and increasing suspicious transactions to prevent fraud from fraud.Customer service reminds and extend the "calm period", and conducts key identification and crackdown on fund payment links.UnionPay experts remind consumers to protect personal information.Do not take your own mobile phone card, personal bank card, public account and settlement card, as well as third -party payment platform accounts such as WeChat and Alipay to buy and sell, rent and rent to criminals; pay attention to identify routines to prevent criminals from "high -profit financial management", virtualCoin investment "" live dating "and" online borrowing "is a gimmick to seduce and perform fraud.(Reporter Peng Xunwen)

Source: Xinhuanet

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