Electronic red-envelope was first introduced by banks. This kind of red envelope doesn't need to meet the other party at all, and it doesn't need the consent of the other party. The giver can send a big red envelope of up to 5000 yuan to the other party's account, and there is nothing to see. This time, in addition to electronic red-envelope in Mid-Autumn Festival and National Day, our bank also launched electronic red-envelope for birthday, wedding, promotion, congratulations and blessings, which almost summarized the timing and occasion of giving red envelopes. However, due to some unknown reasons, the bank did not publicize this new business too much.

With the popularity of e-commerce network consumption, the network-based "electronic red-envelope" is becoming a new fashion for some new families. This "electronic red-envelope" is sent through the third-party platform of the network. Become a weapon for major businesses to attract members and advertising marketing.

Alipay has specially set up the "gift money" function on the homepage. Users only need to enter the recipient's account and the amount of the red envelope, and then enter the payment password after submission to complete the red envelope sending immediately. Electronic red-envelope also supports a variety of red envelope styles. Users can not only upload personalized blessing pictures, but also write personal greetings.

During the 20 14 Spring Festival, "WeChat Red Packet" became popular overnight. The "profit market" of a few dollars or even a few cents has narrowed the interpersonal distance in the joy of mutual begging and distribution, and injected the new fashion of social networks into the traditional "red envelope". People who send red envelopes can write down what they want to say or hope on the electronic red-envelope and send them out at the same time. It's very convenient and quick, so you don't have to give it to them yourself. Basically, it means "God knows, I know, you know, I know, others don't know."

After the electronic red-envelope is issued, as long as you log in to the online banking, the other party can query the account, bank card details and online banking transfer details.

After the user sends out a "red envelope", if the friend fails to withdraw the cash through the bank card, the "red envelope" will only be permanently stored in the "New Year red envelope" on the friend's WeChat interface and will not be automatically returned to the sender's account. This also means that once the user does not bind the bank card, although he grabs the red envelope, it can only become dead money, and the issuing bank also suffers an economic loss invisibly.