Operating conditions
On March 2010/4, AliPay announced that the number of users had officially exceeded 300 million, which was the first time that the number of users of domestic third-party payment companies had exceeded 300 million. . Prior to this, on July 6, 2009, Alipay (China) Network Technology Co., Ltd. (hereinafter referred to as Alipay), the largest independent third-party payment platform in China, announced that the number of users had officially exceeded 200 million.
The data shows that Alipay users have two characteristics: strong spending power and youthfulness. In 2008, the per capita transaction amount of Alipay users increased by 32.5% year-on-year, much higher than the growth rate of per capita consumption expenditure of domestic urban residents. At the same time, Alipay users aged 2 1-35 account for 83% of the total users. This group has high consumption power and is willing to try new things, which is expected to drive consumers to realize more applications through Alipay.
Alipay statistics show that in 2008, the number of users in first-tier cities nationwide increased by 1 12.23% year-on-year, while the number of users in 23 grassroots cities sampled increased by 227.88%. From the perspective of regional growth, the growth momentum of Hubei Province is particularly obvious. The number of new members in the whole year was 4 1.3 million, exceeding the sum of the previous four years. The user growth in 2008 was 400% compared with 2007. Alipay believes that the future user growth will be driven by the vast grassroots areas, which will also fundamentally promote the development of the electronic payment industry.
From the geographical distribution of registered users, the top five provinces and cities are Guangdong, Zhejiang, Jiangsu, Beijing, Shandong and Shanghai. With150,000 registered users, Guangdong has indisputably become the province with the largest number of Alipay users.
According to the latest data released by Alipay, there are as many as 460,000 domestic independent e-commerce companies using Alipay as an online payment tool, thus achieving an average daily transaction scale of 4 million transactions and an average daily transaction of 700 million yuan. Alipay partners have further covered almost all industrial fields where e-commerce has been applied, including clothing, electronics, machinery, home and culture.
According to statistics, the distribution ranking of Alipay merchants is: Guangdong, Beijing, Shanghai, Zhejiang and Jiangsu. Judging from the transaction volume of merchants, Beijing ranks first, followed by Shanghai, Zhejiang, Jiangsu and Guangdong.
Alipay, a subsidiary of Alibaba Group, the world's largest e-commerce company, is positioned in the field of e-commerce payment. The number of Alipay users reached 65438+ billion for the first time at the end of August 2008. It took nearly five years from its first appearance in Taobao in June 2003 to the accumulation of 65438+ billion users. However, it took Alipay only 10 month to grow from 10 million users to 200 million users, and only 9 months to grow from 200 million users to 300 million users.
The rapid development of Alipay is closely related to the number of netizens and the rapid growth of network economy in China. According to the data released by China Internet Network Information Center (CNNIC), as of May 2009, the total number of Internet users in China reached 320 million, ranking first in the world since February 2008. The number of Alipay users accounts for 62.5% of the total netizens, and there are 6 Alipay users in every 10 netizen. More importantly, this market is still growing rapidly. After the number of netizens reached 320 million, some analysts predicted that it may only take more than two years for China netizens to break through 600 million. Cao Fei, an analyst at Analysys International, said that after the number of users reached 6,543.8+billion, Alipay has actually become one of the basic applications of the Internet. The unimaginable development speed from 6,543.8+billion users to 200 million users is a re-expression of the Matthew effect in the online payment market.
20 10 3 14, Alipay (China) Network Technology Co., Ltd., the largest independent third-party payment platform in China, announced that its users had exceeded 300 million.
[Edit this paragraph] Brand influence
Alipay transaction is a pioneering work in the development of Internet and a milestone in the development of e-commerce. Alipay brand has won unanimous praise from users and the industry for its safety and integrity. Alipay was awarded the Best Popularity Award for Online Payment in 2005, the most creative product in China in 2005 and the user safety award in 2006. At the same time, Alipay also won the first place in the Internet industry survey of China in 2005, ranked among the top 50 Internet brands in China, and was awarded the title of the most creative enterprise in China in 2005. In September 2006, Alipay was rated as "the most trusted Internet payment platform for users" in the "2006 China IT User Satisfaction Survey" sponsored by China Quality User Committee Association and Jishi Information. In addition, Alipay also won many awards such as "Outstanding Performance Award for Innovative Products in 2006" and "Top Ten IT Market Planning in China in 2006".
[Edit this paragraph] Precautions
1. You must register as an Alipay user, and keep enough cash in the Alipay account (which can be achieved through online banking recharge);
2. If you don't have an Alipay account, Alipay currently provides online payment functions for major banks;
3. You shop on Alipay website, choose online payment, and then choose Alipay payment. Alipay will deliver the goods immediately after the payment is successful. After receiving the goods, you need to confirm the receipt of the goods on Alipay.
4. After receiving the goods according to the mode of transportation (express delivery, surface mail or EMS) and reaching a certain period of time, if the payment is not confirmed, the payment will be automatically credited to the seller's account;
5, using Alipay to pay, for consumers, there is no need for any handling fee at present. (For non-Taobao transactions, a small handling fee will be charged after exceeding 5,000 yuan per month. )
[Edit this paragraph] Cooperative Bank
State-owned commercial bank
China Industrial and Commercial Bank (May 23, 2006), China Agricultural Bank (March 16, 2006), China Construction Bank (October 24, 2006), China Postal Savings Bank (June 2006165438+/KLOC-)
National joint-stock commercial banks
China Merchants Bank (June 2, 20051), Shanghai Pudong Development Bank (June 2, 2006), Industrial Bank, Huaxia Bank, Guangfa Bank, Shenzhen Development Bank, China Minsheng Bank, China CITIC Bank, China Everbright Bank, hengfeng bank and Zheshang Bank.
Regional banks
Shanghai Bank, Shenzhen Ping An Bank, Bank of Ningbo, Hangzhou Bank, Nanjing Bank, Wuhan Commercial Bank, Beijing Rural Commercial Bank, Shanghai Rural Commercial Bank, Chongqing Bank, Wenzhou Bank, Shang Hui Bank, Daqing Commercial Bank, Changsha Commercial Bank, Qingdao Bank, Jingzhou Commercial Bank, Jinan Commercial Bank, Jiaozuo Commercial Bank, Taizhou Commercial Bank, Jiaxing Rural Credit Cooperative, Changshu Rural Commercial Bank and Wujiang Rural Commercial Bank. Yichang City Commercial Bank, Nanhai Credit Cooperative, Changzhou Rural Credit Cooperative, Guiyang City Commercial Bank, Shaoxing City Commercial Bank, Hohhot City Commercial Bank, Zunyi City Commercial Bank, Shunde Credit Cooperative, Fudian Bank, Zibo City Commercial Bank (now Shang Qi Bank), Urumqi City Commercial Bank and Chaozhou City Commercial Bank.
Other institutions
Bank of east Asia VISA
Latest news: February 8, 2009, 65438+, Alipay (China) Network Technology Co., Ltd., an independent third-party payment platform in China, released the latest data today. By the end of 65438+February, Alipay registered users had reached 250 million, exceeding 50% of domestic netizens. The daily transaction volume exceeds 65.438+0.2 billion, and there are nearly 5 million transactions every day, accumulating a huge amount of user data.
[Edit this paragraph] Real name authentication
Alipay real-name authentication is an identification service provided by Alipay (China) Network Technology Co., Ltd. Alipay real-name authentication verifies both member information and bank account information. After passing Alipay's real-name authentication, it is equivalent to having an Internet ID card, which can open stores and sell goods on many e-commerce websites such as Taobao. Increase the credit of Alipay account holders.
The types of Alipay real-name authentication: personal type and company type, both of which will bear corresponding marks after passing Alipay real-name authentication.
Alipay certification fee: Alipay certification is free.
[Edit this paragraph] Alipay cartoon
"Alipay Card" is to connect your Alipay account with the bank card, you can pay online directly without opening online banking, and enjoy the guarantee service of "inspection first, then payment" provided by Alipay. An account can apply for multiple Alipay cartoons, and you can also check the balance in the bank card on the Alipay website.
Advantages of Alipay cartoon:
◆ Simple: Only 1 password is required for payment, and online banking is not required;
◆ Security: the account certificate and mobile phone short message inform the change of account funds in real time;
◆ Shop opening: After activation, you can open a shop in Taobao on the same day to realize your entrepreneurial dream;
◆ Convenience: the maximum single payment limit is 5,000 yuan; Check the balance in the bank card at any time on Alipay website.
◆ Real-time cash withdrawal: Open the cartoon of China Merchants Bank, withdraw cash in real time, and come at any time.
Low cost: compared with other bank cards, the postal savings bank card is free of annual fee and card fee! This is absolutely attractive to Doka!
[Edit this paragraph] Alipay digital certificate
Alipay digital certificate is a kind of digital certificate issued by Alipay to Alipay customers through cooperation with authoritative organizations certified by the Ministry of Public Security, the Ministry of Information Industry and the State Cryptography Administration. It uses digital signature technology to enhance the security of Alipay customer accounts, and gives corresponding access rights to network resources according to the identity of Alipay customers.
[Edit this paragraph] Alipay payment shield
Payment shield is a security solution launched by Alipay. Payment Shield (Tianwei) is a security product jointly launched by Tianwei Chengxin, a third-party authority.
It is a tool with electronic signature and digital authentication to ensure the confidentiality, uniqueness, authenticity and integrity of your online information transmission.
The payment shield is like a shield, which always protects the security of the funds and accounts you operate on Alipay.
Alipay shopping in four steps
The first step: real-name registration and certification.
Step 2: Alipay recharge
Step 3: Take a photo of the "baby"
Step 4: Collect "Baby"
[Edit this paragraph] Alipay anti-fraud
Matters needing attention in the use of Alipay
1. Don't let your guard down when you see products that support Alipay.
2. Be careful of Alipay's real-time receipt function.
3. Pay attention to Alipay's cash on delivery.
4. Precautions for fraud prevention when Alipay receives goods
5. Risks of online banking transaction payment
Alipay common deception
Deception 1: Cheat with low price as bait.
Deception 2: the seller uses the "instant arrival" transaction to cheat.
Trick 3: Trojan virus implantation.
Deception 4: The most common SMS fraud, such as "Congratulations on winning the second prize of activity XXX, please reply your ABC account number and online banking password" to defraud the bank password.
Deception 5: use the name of the member to mislead the counterparty.
Deception 7: Deception in the name of customer service.
Deception 8: using phishing websites to cheat.