網(wǎng)上支付又稱為網(wǎng)絡支付，是指通過互聯(lián)網(wǎng)實現(xiàn)的C2C、B2B之間在線貨幣支付、資金清算、查詢統(tǒng)計等過程Online payment is refers to through the Internet to achieve online payment, fund clearing, and statistics between C2C or B2B . 主要支付模式包括The main mode of online paymentincluding 1.Online bank payment2.The third party payment 3.Virtualcurrency paymentThe first topic is 1.Online bank payment網(wǎng)上銀行支付是指客戶在銀行柜臺或銀行網(wǎng)站上簽約網(wǎng)上銀行后，利用銀行的網(wǎng)上支付系統(tǒng)所進行的資金支付活動。Online bank payment means customerssigningthe online bankat the bank counteror on the bank site,using thebanks online paymentsystem for doing payment activities.在所有的網(wǎng)上銀行之中，中國工商銀行占有最大的比例，所以我們以中國工商銀行為例子來進一步說明網(wǎng)上銀行In all of the online bank, the industrial and Commercial Bank of China holds the largest proportion, so we in the industrial and Commercial Bank of China as an example to further explain the online bank.中國工商銀行擁有最多的企業(yè)客戶資源，網(wǎng)上銀行交易規(guī)模是所有銀行的頂部，根據(jù)這張“2011 網(wǎng)上銀行 數(shù)據(jù) 比“第三季度，我們可以看到2011中國網(wǎng)上銀行市場交易量第三季度達到2122000元。ICBC has the most customer resources, the online bank transaction scale is the top of all banks, according to this picture " The third quarter of 2011 the online bank data ratio ", we can see the third quarter of 2011 China online bank market transaction volume reached 2.122 million yuan.Then how about The security of the Online bank Take Industrial and Commercial Bank of China as an example, it includes 3 kinds of security tools. 1. U shield U盾是獲得國家專利的硬件加密工具，具有很高的安全性，可以最大程度的保證交易安全U shield is an encryption hardware tool which obtained national patent,it with high safety,canprovidethe maximum degree oftransaction security2. ICBC electronic cipher 工銀電子密碼器是工行為客戶提供的一款全新的電子銀行安全產(chǎn)品，是具有內(nèi)置電源和密碼生成芯片、外帶顯示屏和數(shù)字鍵盤的硬件介質(zhì)，您無需安裝任何程序即可在電子銀行等多渠道使用。安全性較高 ICBC electronic cipher is a products with new electronic technology to provide high security , is a hardware medium which has a built-in power supply, a password chip and a digital keyboard, The point is you do not need to install any software then you can use it in the electronic bank channel. 3. Electronic bank password card電子銀行口令卡的保密性也是極高，客戶只需攜帶有效證件和注冊過網(wǎng)上銀行的銀行卡，即可到工行營業(yè)網(wǎng)點領(lǐng)取電子銀行口令卡Electronic bank password cards security is very high too, you just need carry your identity card and registered online bank customers bank card, to ICBC business hall and you can get your electronic bank password card第二方面The second way of paying online is.The third party payment.第三方支付平臺是一個支持產(chǎn)品在本國和外國的銀行交易或合同，提供了第三個獨立的組織服務。第三方支付有一定的經(jīng)濟實力和良好的信譽的保證。The third party payment is a supported platform which product in national and foreign banks to make contract, transaction or provides services on third independent organization. The third party payment have a certain economic power and a good credibility of the guarantee.從這幅圖可以看出，在所有的第三方支付方式中，用支付寶的客戶占據(jù)了絕大部分的市場，財付通居于次位。所以我們以支付寶的為例來說明第三方支付的工作方式From the picture we can see, in all third party payment, alipay customers occupy most of the market, tenpay is secondary. So we take the alipay for an example to illustrate the third party payment way of working直到2011十二月，支付寶用戶數(shù)已超過650000000，最高日貿(mào)易超過4500000000元，日貿(mào)易達到33690000的峰值數(shù)目。支付寶的產(chǎn)品，獨特的概念和龐大的用戶是吸引越來越多的企業(yè)和合作伙伴的選擇支付寶作為其在線支付依據(jù)。目前除淘寶和阿里巴巴，供應商和合作伙伴的支持支付寶在線支付和移動支付服務已經(jīng)達到460000，覆蓋商對客，C2C購物，空中旅行的機票，生活服務，金融，公共福利等方面Until 2011 December, Alipay users number has exceeded 650 million, the highest trading in one day more than 4.5 billion yuan, the peak number trading in one day reached 33.69 million. Alipay products, unique concept and the huge user is the basis to attract more and more businesses and partner selection Alipay as their online payment. In addition to Alibaba and Taobao, the vendors and partners support Alipay online payment and wireless payment services had reached 460 thousand, covers B2C, C2C shopping, air travel ticket, life service, finance, public welfare and other aspects安全？Then how about the security of the third party payment? Take Alipay as an example, it includes 4 kinds of security tools.Safety controller為了提升支付寶賬戶的安全性，防止賬戶密碼被木馬程序或病毒竊取，支付寶公司精心設(shè)計并推出安全控件，該控件能夠有效防止木馬程序截取鍵盤記錄。In order to improve the safety of Alipay account, prevent account password from computer virus, alipay company design and launch the safety controller, this controller can effectively prevent the recording of the keyboard.2. Digital certificate數(shù)字證書是使用支付寶賬戶資金的身份憑證之一，加密您的信息并確保賬戶資金安全。數(shù)字證書由權(quán)威公正的第三方機構(gòu)CA中心簽發(fā)。Digital certificate is theidentitycertificatetousingfund in alipay account,encrypt yourinformationand ensure thesafety ofthe funds in the account.Digitalcertificate issued byCAcenter which is the third partysauthority.3.Third partycertificate綁定第三方證書將可以保障您在網(wǎng)上交易資金和支付寶賬戶安全。沒有第三方證書，用戶只能進行查詢賬戶操作，而不能進行其他任何對于資金變動的操作。Binding third party certificate will protect you in online trading and your alipay account security too. No third party certificate, the user can only do query account operation, cant do any other funds operation.4.Alipay shield支付盾的功能類似與u盾，也可以提供強大的安全保障Alipay shields function is similar to the U shield,can also providestrong security.對比網(wǎng)銀And we can take the alipay comparewiththe online bank.As can be seen from the above,comparedwiththe online bank,the alipaypay more attention tothe software prevent.We also can find that the alipay shield as a hardwaresupport also can give a reliable protection,and its function justlikethe U shield支付寶并不滿意只是第三方大哥，支付寶也非常關(guān)注POS業(yè)務，但這使POS鼻祖銀聯(lián)非常不滿Alipay does Not satisfied just be the third party eldest brother, alipay also very concerned about the POS business, but this makes POS originator UnionPay very dissatisfied對于支付寶和銀聯(lián)在線下交易業(yè)務上的競爭我只想說制止壟斷和公平競爭For Alipay and UnionPay offline trading competition I just want to say put an end to the monopoly and give them a fair environment for competition3.And the last is the Virtualcurrency payment 虛擬貨幣就是指由網(wǎng)絡服務提供商發(fā)行的用于購買網(wǎng)絡虛擬商品的電子儲值與支付工具，如Q幣、U幣、各種網(wǎng)站積分、各種游戲幣等。Virtual currency is the currency which provided by network service provider for buying from electronic stored or as a tool to do payment like buying virtual goods, such as Q-coins, U-coins, points or props in sites or games.QQ為中國目前使用人數(shù)最多的即時通訊軟件，其服務提供商騰訊為中國最大的互聯(lián)網(wǎng)通訊應用軟件服務商，目前其注冊用戶超過10億，活躍用戶超過6億。QQ as the Chineseinstant communication software which has the largest number of user,thisservice providerTencentis also the largest Internetapplication service providerin China,which hasmore than 1billion registered users andmore than 600 million active users.所以目前， 的 ”是最使用虛擬貨幣支付。So at present, the Q-coin is the most using virtual currency.2002，騰訊公司依托即時聊天工具QQ推出了Q幣，作為其互聯(lián)網(wǎng)增值服務工具的采購，并使用代理模式在全國各地銷售有效。用戶不僅可以在銷售點（通常是在網(wǎng)吧，電腦城）購買Q幣，但也可以購買通過語音電話充值，匯款，移動電話和其他手段。的Q幣有幾個 值如1，2，5和10。1 Q幣等以1元的價格。In 2002, Tencent Inc relies on the instant communication software QQ launched Q-coins, as the currency of its Internet value-added services tools, and using the agent model for sale effective throughout the country. Users not only can go around the distribution points to buy the Q coins, but also can buy it through the telephone recharge, remittance and other means. The Q-coins have several value like 1, 2, 5 and 10. 1 Q-coins equal to the price of 1 yuan.QQ卡是騰訊QQ公司推出的一種“Q幣”使用卡，簡單的說就是Q幣的充值卡。用Q幣可以購買一些網(wǎng)絡上虛擬的物品，QQ秀，QQ空間裝扮均可用到，還可以開各種QQ業(yè)務，比如會員、紅、黃、藍、綠、紫、黑、彩鉆以及洛克王國，穿越火線或QQ炫舞等游戲的VIP。QQ card is a kind of "Q-coin" card which launched by Tencent,. Using Q-coins can buy some network virtual goods like QQ show, Q-zone decoration, also can open all kinds of QQ services, such as red, yellow, blue,even colorful diamond in QQ and the VIP of games such as kingdom of Rock, cross fire or QQ dancing.如圖所示，2011年騰訊有56%的營收來自游戲。其中，穿越火線和地下城與勇士兩款熱門游戲貢獻的營收就占到總營收約40%As shown in this picture, 56% of the trade volume of Tencent in 2011 is from the game. Among them, "cross fire" and "Dungeon Fighter Online", two popular games had contributed 40% to the trade volume of Tencent.關(guān)系 The relation among them is supplement each other2011網(wǎng)上支付服務行業(yè)的交易量的中國第三方支付已經(jīng)達到2161000000000元，具有安全、方便，網(wǎng)上第三方支付交易規(guī)模的迅速發(fā)展。In 2011 the Chinese third party payment of Internet payment service industry transaction volume has reached 2161 billion yuan, both with safety and convenience, the transaction scale of the third party payment on internet is developing rapidly.根據(jù)人們使用騰訊Q幣人數(shù)的官方數(shù)據(jù)已經(jīng)超過200000000，是中國最大的多用戶虛擬貨幣。According to official data of the number of people who use Tencent Q coins has more than 200 million, is the largest number of virtual currency user in china now.但是網(wǎng)上銀行付款過程可能看起來很乏味，但安全性高，是其他兩個支付完成的基礎(chǔ)上And the process of online bank payment may seem tedious, but with high security, is the basis for the other two payment to complete.如果我們把三種在線支付的方式放在一起對比，以星星的數(shù)量來表示不同方面功能強弱，我們就可以得到這幅表格。If we take the three online payment together with contrast, the number of stars to represent different aspects of the function, we can get this form.從這幅表格上我們可以看出，網(wǎng)上銀行作為其他兩種支付方式的基礎(chǔ)，其規(guī)模和影響是最大的，但是因為其操作較為麻煩，所以使用的人數(shù)比較少From this table we can see, the bank on the net as the basis for the other two kinds of payment, the scale and the impact is the biggest, but because of the operation is troublesome, so a small number of people using this way.已Alipay為首的第三方支付，無論是從規(guī)模還是使用人數(shù)上都有一個較好的平衡，是人們在線支付的首選。Alipay has led the third party payment, either from the scale or the number of user both have a good balance, it is always the first choice when people paying online.虛擬貨幣支付因為有各種應用軟件的支持，所以有著龐大的用戶群體，但因為虛擬貨幣并不是人們生活中的必需品，所以總體來說消費規(guī)模和影響比其他兩種方式要小。Because of Virtual currency payment has various kinds of application software support it, so there is a huge user groups, but because the virtual currency is not the necessities in the life of people, so the consuming scale and influence is smaller than the other two methods.