Yintoni ilungu elikhanyayo e-Alipay?Yintoni umahluko phakathi kwe-WeChat kunye ne-WeChat?

Xa kuziwa kumakhadi okunyaniseka, abantu abaninzi banenkumbulo enye okanye embalwa engathandekiyo.

Ukuba ucinga ngekhadi lobulungu eligciniweyo, kunokuthiwa emva kokugcwalisa ikhadi lokutshaja kwakhona, awuzange ube namava okuvalwa kwevenkile kwaye umphathi abaleke.Ubomiayonelanga.

Imbonakalo yokuqala yamakhadi okuthembeka kunye namakhuphoni ayikaqinisekiswa, kodwa enye into eqinisekileyo kukuba le ndlela yokuthengisa yaqala ngaphandle kweintanethi, phambi koshishino lwe-Intanethi.

Yintoni ubulungu bokukhanya?

AlipayUZhong Yao, umphathi jikelele wesebe leshishini lesixhobo esilumkileyo, uthe amalungu alula angasebenzisa iSesame Credit okanye iHuabei ukumisa iziqinisekiso zokusombulula ngempumelelo iingxaki zokuthembana.

Ngaphantsi kwemodeli yobulungu obukhanyayo, abathengi akufuneki bakhethe kwangaphambili okanye bagcine ixabiso ukuze banandiphe izibonelelo zobulungu.

• Xa isaphulelo sigqithile kumrhumo wobulungu, yintlawulo yobulungu kuphela eya kutsalwa;
• Ukuba isaphulelo asanelanga kumrhumo wobulungu, umrhumo wobulungu uya kuba yi-0, kwaye isaphulelo siya kutsalwa.
• UZhong Yao uthe inkqubo yobulungu obukhanyayo inokuphelisa iinkxalabo zabasebenzisi abafuna ukufaka izicelo zamakhadi obulungu.
• Abarhwebi banokufumana ngokufanelekileyo amalungu ahlawula ngakumbi, banyuse izinga lokuthenga kwakhona abathengi, kwaye baphucule umgangatho wenkonzo, ukuze bafezekise intsebenziswano entle phakathi kwezi zimbini.

Imithetho yobulungu bokukhanya kwe-Alipay

Imigaqo imi ngolu hlobo lulandelayo:

Umzekelo, umgaqo-nkqubo wobulungu bomrhwebi kukutshintshisa umrhumo we-yuan ezili-10 kwiikhuphoni ezi-5 ze-yuan ezi-8, ezixabisa isaphulelo se-yuan engama-40.

Ngaphantsi kwemodeli yobulungu obukhanyayo, abathengi banokonwabela izaphulelo zobulungu ngaphandle kokuhlawula imirhumo yobulungu ngamanqaku eSesame okanye ukukhenkceza umda wokusetyenziswa kwe-yuan ezili-10.

Sebenzisa i-Alipay ukuba ube "lilungu elikhanyayo" kumrhwebi

• Emva kokuba ubulungu buphelile, ukuba zonke izaphulelo ezi-5 zisetyenzisiwe, i-yuan eyi-10 iya kuhlawulwa.
• Abathengi bayakonwabela isaphulelo se-40 yuan, esilingana "nokuzuza" i-yuan engama-30.
• Ukuba uyisebenzisa kube kanye kuphela, umsebenzisi uya kufumana isaphulelo se-1 yuan.
• Xa ingaphantsi komrhumo wobulungu, kuphela isaphulelo ebesinandipha siyatsalwa, esiyi-8 yuan.
• Ukuba ayisetyenziswanga ngexesha elinye, umsebenzisi akafuni ukuba ahlawule nayiphi na imali yobulungu ukuqinisekisa ukuba umsebenzisi akalahlekelwa yimali.

Abarhwebi abayila ubulungu kunye nenkqubo yekhuphoni ngokungathandabuzekiyo ziingcaphephe.

Nangona kunjalo, kuhlala kunzima ukufuduka isixhobo esisebenzayo soshishino kwi-intanethi.

Ukutyhubela iminyaka, inkqubela phambili yekhadi kunye neemveliso zekhuphoni kwiiplatifti ezimbini zentlawulo yeselula yasekhaya, emelwe ngu-Alipay kunye ne-WeChat, ngokucacileyo ayilulanga njengentlawulo yeselula ngokwayo.

Ilungu le-Alipay Light

NgoSeptemba 9, u-Alipay wakhulula "ilungu elikhanyayo" kwaye wazama ukutyumza ikhuphoni yekhadi le-virtual amathambo aqinile.

Ubulungu obukhanyayo budibanisa imisebenzi emibini yeSesame Credit kunye neHuabei, ehlaliswa emva kokusetyenziswa.Emva kokuba ubulungu buphelile, ukuba isixa sesaphulelo singaphantsi komrhumo wobulungu, kuphela isixa sangempela sesaphulelo siya kufunyanwa.

Okokuqala, izixhobo zokuthengisa ziluncedo kubarhwebi.Naliphi na iphulo lokuthengisa elijolise kubathengi ngabanye linokwahlulwa ngokulula libe ngamanyathelo alandelayo: ukutsala abathengi abatsha, ukuguqula nokuthenga kwakhona.

ikhadi njengeIntengiso ye-IntanethiIsixhobo esisebenza njenge-lubricant okanye sinciphisa imiqobo kwinkqubo yokuthengiselana kubathengi abajoliswe kuyo ngokunikezela ngeenzuzo okanye izaphulelo.

Ukuphumelela kwesi sixhobo sokuthengisa, ngoko, ngokwemvelo ngumlinganiselo weendleko-inzuzo yokuhanjiswa kwayo, okubizwa ngokuba yi-input-output ratio okanye i-ROI.

Kufuneka kucaciswe ukuba iindleko zekhadi kunye nemveliso yekhuphoni ayisiyonxalenye kuphela enceda abathengi, kodwa kunye nenkxaso-mali ebizwa ngokuba yinkxaso-mali, kodwa kunye nonyango lweendleko zekhadi lonke kunye nemveliso yekhuphoni ukusuka kuyilo ukuya ekusasazeni, ukusuka. ukucinywa kwe-accounting.

Ikhadi lobulungu bendabuko kunye neemveliso zekhuphoni ezinomphathi womzimba kunye nokuhlawula zinokusebenza okuphantsi, inkqubo enzima, izinga eliphezulu leempazamo kunye neendleko eziphezulu.Ngoko, ngakumbi kwixesha le-intanethi ye-intanethi, kufuneka kubekho isisombululo se-elektroniki esicwangcisiweyo.

Isisombululo sokuqala sekhuphoni

Isuka ekuthengeni iqela emva kuka-2010, abasebenzisi bathenga amanqaku kwi-intanethi kwaye baphume ngaphandle kweintanethi.

Imuvi yokuthenga iqela iqaliswe ngokudibeneyo nguNuomi.com kunye noJackie Chan Yaolai Cinema sele iqalile ukukhutshwa kwimarike yokuthenga iqela.

Emva kwexesha, iikhuphoni zamakhadi e-elektroniki zazisetyenziswa kakhulu e-Alipay ukuze zisetyenziswe kwi-intanethi nakwi-intanethi. Ngo-2013, i-WeChat yaxhasa inkqubo yekhuphoni yekhadi ngo-2014.

Umahluko kukuba amakhuphoni ekhadi le-Alipay ekuqaleni ngumsebenzi ozimeleyo, owahlukileyoUbuncwaneIdityaniswe ngokunzulu kunye nemodyuli yokuhlawula, kwaye kamva idibene nekhowudi yokuhlawula kunye nelizwi lomlomo.

Iphakheji yekhadi le-WeChat

Iphakheji yekhadi le-WeChat iqhotyoshelwe kwi-akhawunti esemthethweni ye-WeChat.

Amakhadi kunye namakhuphoni anecandelo emva kokusabalalisa kunye nemisebenzi yokuqinisekisa, kwaye basafuna inkxaso yenkqubo ye-IT yomthengisi.

Njengesixhobo sokuthengisa, kubalulekile ukuphuhlisa imida, ukusetyenziswa kweendleko kunye nemisebenzi yokulinganisa i-ROI.

Ukwahlulwa kwephakheji yekhadi le-WeChat kunye nenkqubo yokuhlawula ngokucacileyo ayihambisani nokusetyenziswa kwamakhadi kunye namakhuphoni.Intengiso ye-Wechatisixhobo inzuzo.

kwaye,WeChat HlawulaNgaphandle komlinganiselo wetyala lomsebenzisi kunye nokukwazi ukubolekwa imali, ikhadi kunye neemveliso zekhuphoni azikwazi ukulawula abasebenzisi ngokwemigangatho kunye nokulinganisa abasebenzisi, nto leyo enciphisa kakhulu iimeko zokusetyenziswa.