3A支付开创跨行电子支付新纪元

近年来,伴随着经济的快速发展,中国电子支付迎来了发展的春天,新的支付形式、新的支付手段和新的服务内容如雨后春笋般破土而出,并快速成长起来.中国电子支付的繁荣反映了人们对电子支付的多元化需求.而人们支付需求的多元化又为电子支付方式的多元化发展提供了肥沃的土壤.在这肥沃的土壤里,为满足人们对安全、便利支付需求的3A支付诞生了,并引起了广泛的关注.     

移动支付体现电子支付发展的未来

移动支付代表电子支付发展的未来移动通信技术发展不但满足了人们的通讯需求,也为支付创新提供新的发展空间,特别是在个人支付领域,对降低支付成本、提高支付效率、便利公众支付有着重要的意义.目前,我国手机用户已经突破9亿户.智能手机的普及,使得超过1/3的手机用户能够随时随地通过手机上网.移动支付就是要为如此庞大的客户群体提供...     

从非接触式支付到移动支付

随着经济社会的不断发展，人们的生活节奏越来越快，繁琐费时的现金支付已经不能满足人们的需求。继传统的银行卡支付后，一种更为轻松快捷的支付方式——非接触式支付开始进入人们的生活。     

电话支付引领支付新时尚

一、电话支付产品的背景 近几年,作为电子商务核心的支付环节正在加速电子化,电子支付市场每年都以高于30%的速度成长,网上支付、移动支付、电话支付等多种支付形式应运而生.随着每年银行卡发卡量的持续增加,持卡人的刷卡意识也逐渐增强.但目前刷卡环境土要集中在大犁超市、商场等地,中小商户及个体商户并未在真正意义上实现电子支付.信雅达电话支付产品正是针对这一市场空缺,为普通小商户提供费用低廉、高安全度的支付工具.     

金融科技赋能支付风险防控

一、网络支付快速发展对支付风险防控提出更高要求 近年来,我国网络支付业务保持高速增长态势.随着智能手机的普及以及各类新兴业态的不断涌现,网络支付快速进阶移动支付,并被人们广泛接受.2013-2017年,网络支付交易规模增速超过50％,2018年和2019年虽增速放缓,但依然保持了30％和15％以上的年增长率.2020年...     

移动支付的风险分析与防控

近年来,随着科技的进步,智能手机已经走进千家万户,而随着信息时代的到来,移动支付又在悄然改变着人们的消费方式.现如今,大到衣食住行小到柴米油盐都已经离不开微信、支付宝等这类移动支付平台,然而高效便捷的支付手段背后也隐藏着一些不容小觑的支付风险,这些风险不仅严重阻碍了移动支付的健康发展,也损害了消费者的合法权益.因此,本...     

用声音支付

<正>一种新型的生物识别支付方案使人们仅仅通过声音即可授权基于在线与移动电话的购物支付。首批在线支付系统之一的一位创始人已推出一种全新方式,使人们可以在线或者通过手机来购物。这种新型的服务叫语音支付,它运用生物学语音分析法来鉴别使用者身份。这家公司称,其技术非常可靠,能够保证所有支付的安全性。根据创始人尼克·奥格登的看法——他曾经在1994年提出了"世界支付方案",这是Paypal的前身——语音支付将使得在线购物更加容易或者更加活跃,与此同时,还将急剧地减少     

电子支付的安全问题与对策分析

中国电子支付行业的发展已经到了关键期,相关法律的出台,在一定程度上规范了我国电子支付市场,树立了人们对电子支付的信心,但是,和电子商务的飞速发展相比,电子支付的安全问题仍然十分突出,已经成为制约电子商务发展的瓶颈.本文在对电子支付安全问题进行深入分析之后,提出了突破电子支付安全瓶颈的方法与措施.     

从ISO金融年会看各国移动支付发展

作为一种新兴支付方式,移动支付以其方便、快捷的支付体验给人们的生活方式和消费习惯带来了冲击.今年5月在荷兰阿姆斯特丹举行的第30届ISO金融标准工作年会上,移动支付成为热门话题,受到与会各国代表的高度关注.     

第三方支付平台风险控制问题分析

第三方支付为当前一种网络支付模式,其在方便人们进行网络购物的同时也存在一定的风险.本文从使用第三方支付平台的作用分析入手,分析了当前第三方支付平台存在的风险,并针对性的分析了增强第三方支付平台风险控制的对策.     

The totality of change-in-control payments

Most extant studies consider golden parachutes as the totality of change-in-control payments. However, for the median CEO of firms listed in the S&P SmallCap 600 index in 2009, golden parachute payments are only 46% of total change-in-control compensation. We measure total change-in-control payments using newly available data for this sample. Our results show that the total payments to the departing CEO are estimated at 1.1% of market value (on average). We also show that newly earned compensation (as opposed to accelerated vesting of lagged incentive pay) makes up approximately half of total change-in-control payments for the median CEO, and these two components of severance pay are positively correlated (contrary to existing theory). Furthermore, change-in-control payments do not appear to impede takeover offers or affect takeover premiums. Total change-in-control payments are small on average, and boards seem to take care in negotiating these terms with incumbent CEOs so that change-in-control payments do not adversely affect the firm's prospects in the takeover market.     

The payments revolution: The growth of person-to-person and ‘Generation Y’ payments services

This paper explores the development of person-to-person payments services, the impact this will have on further payments disintermediation across the financial services industry, and outlines possible opportunities and threats for UK financial services providers. The paper focuses on the P2P payments services and providers — including the leading banks — in the USA; the onset of online and P2P payments services in the UK; and the development of dedicated payments services for children and teenagers.     

6 strategies for building bundled payments

With 25 years of proven success, bundled payments are a logical step away from a flawed fee-for-service payment system that has rewarded additional and sometimes unnecessary procedures and driven up costs. The use of bundled payments is paying off for a growing number of providers and payers through lower costs and improved quality of care. The keys to success in bundling payments are innovation, a good cost-plus financial model, a comprehensive team of caregivers, and commitment to continual improvement and collaboration.     

Interstate banking and the payments system

Interstate banking will improve the efficiency of the payments system. This will occur because the number of handlings for multiple-bank payments (transit items) will fall and because some multiple-bank payments will be transformed into single-bank payments (on-us items). These effects are simulated using data on the current cross-section relationship between banking structure and check clearing patterns in a multinomial logit model. The Federal Reserve, which currently processes almost one-third of all checks, is predicted to lose 43 to 60 percent of its market share. The annual impact is expected to be gradual, however, since interstate banking will be phased in and because of offsetting growth in the total check clearing market.     

电子支付在银行业务中的应用

1.第三方网上支付平台概述 第三方网上支付是以支付公司为信用中介,以互联网为基础,通过整合多种银行卡等卡基支付工具,或者借助新兴的第三方网上支付工具(虚拟账户、虚拟货币),为买卖双方进行交易资金的代管,支付指令的转换,并提供增值服务的网络支付中介渠道.     

电子支付:潮流滚滚急向前

从贝壳到金属,从纸币、支票到银行卡,人类社会的支付方式几经变迁.但是,支付方式的演变从来没有像今天这样迅速,支付体系也从来没有像今天这样复杂.     

Optimal dividend payments in the classical risk model when payments are subject to both transaction costs and taxes

In this paper, we study optimal dividend problem in the classical risk model. Transaction costs and taxes are required when dividends occur. The problem is formulated as a stochastic impulse control problem. By solving the corresponding quasi-variational inequality, we obtain the analytical solutions of the optimal return function and the optimal dividend strategy when claims are exponentially distributed. We also find a formula for the expected time between dividends. The results show that, as the dividend tax rate decreases, it is optimal for the shareholders to receive smaller but more frequent dividend payments.     

新兴支付在亚洲的发展

近年来,新兴支付在亚洲蓬勃发展.这不仅得益于亚洲居民生活水平的提高,更得益于科学技术的进步.随着新兴科技手段的不断出现和手机普及率的大幅提高,亚洲成为新兴支付方式兴起的沃土.