1. Direct payment by online banking:

As the earliest accepted payment method on the Internet, the user sends an application to the online banking, directly transfers the money in the bank to the account in the name of the merchant, and directly completes the transaction, which can be said to completely copy the traditional "one-handed payment and one-handed delivery" transaction mode to the Internet. The early online banking services promoted the development of e-commerce. With the continuous development of the e-commerce market, ordinary users in the online retail industry are more inclined to invite credible third parties to participate in transactions, thus playing a supervisory role. However, in some large-scale B2B transactions, this payment mode is still widely used. The main reason is that with the increase of transaction amount, the requirements for the reputation of third-party institutions are getting higher and higher, and B2B payment requires a high speed of fund collection and payment.

2. Third-party auxiliary payment:

This payment method will involve the participation of a third party besides users, merchants and banks, but different from the third-party payment platform, in this payment method, users do not need to have an independent account in a third-party institution, and the role played by the third-party institution is more focused on making the transaction between the two parties more convenient and faster. Take Super Online Banking as an example. Super Online Banking is a standardized cross-bank online financial service product newly developed by the central bank in 2119. By constructing the system architecture of "one-point access and multi-point docking", the enterprise's "one-stop" online cross-bank financial management is realized, which is a financial service product aimed at facilitating the financial management operation of enterprises.

3. Third-party payment platform:

The so-called third-party payment platform refers to the trading support platform provided by some third-party independent institutions that have signed contracts with major banks in the countries where the products are located and have certain strength and reputation guarantee. In the transaction through the third-party payment platform, after purchasing goods, the buyer uses the account provided by the third-party platform to pay for the goods, and the third party notifies the seller of the arrival and delivery of the goods; After the buyer inspects the goods, he can notify the seller to pay, and the third party will transfer the money to the seller's account. Therefore, both buyers and sellers need to have a unique identification on the third-party payment platform, that is, the account number. Third-party payment can provide sufficient security for the transactions between buyers and sellers.

Internet payment is not completely equivalent to third-party payment. Internet payment and third-party payment only have a certain intersection, which is neither equivalent nor subordinate. Internet payment includes not only third-party payment, but also personal online banking direct payment. The essence of third-party payment is to make the transaction safer and more convenient through the participation of a third party, so it can be done through other channels besides the Internet. For example, Yifubao has realized offline payment and allowed third-party payment by telephone.

classification by means of payment

1. Electronic credit card online payment

Credit card is a special card issued by banks or other financial institutions to people with good credit standing, and it is a special credit certificate. Electronic credit card online payment mode can be divided into three modes: electronic credit card payment mode without security measures, electronic credit card payment mode with the help of third-party agency, electronic credit card payment mode based on SSL protocol mechanism and electronic credit card payment mode based on SET protocol mechanism. Electronic credit card online payment mode covers a wide range, but it requires a higher network security environment.

2. Digital cash payment

Electronic cash is a currency that circulates in the form of data, can be generally accepted by customers and businesses, and is used when purchasing goods or services through the Internet. Through the use of covert signature technology, the anonymity of digital cash is allowed, thus protecting the privacy of users to the greatest extent. Direct payment and transfer without bank intermediary makes this payment mode very economical.

3. smart card payment

a smart card is a consumer card that uses computer integrated circuit chips (i.e. micro CPU and memory RAM) to store users' personal information and electronic money information, and has the functions of payment and settlement. The online payment methods of smart cards can be divided into two categories according to online or offline. The former is more about using smart cards as credit cards with central processing units, while the typical representative of the latter is the bus IC cards that we use every day.

4. Virtual currency payment

Money is a natural product of social production and development, and it is a special commodity in universal equivalent. It mainly has three functions: value measurement, value storage and exchange medium. Therefore, in theory, apart from the traditional gold standard, any kind of commodity can be used as a payment tool as long as it is qualified as a universal equivalent. Virtual currency came into being. However, in June 2119, the Ministry of Culture and the Ministry of Commerce jointly issued the Notice on the Management of Virtual Currency Transactions in Online Games, which clearly pointed out that the same enterprise cannot simultaneously issue and trade virtual currency, and virtual currency cannot pay for the purchase of physical objects. Therefore, the virtual currency we are talking about now does not include the virtual currency in online games, mainly referring to Q coins, U coins and so on.

5. online banking

online banking, also known as online banking and online banking, means that banks provide customers with traditional services such as account opening, account closing, inquiry, account reconciliation, intra-bank transfer, inter-bank transfer, credit, online securities, investment and wealth management through the Internet, so that customers can safely and conveniently manage current and fixed deposits, checks, credit cards and personal investments without leaving home. It can be said that online banking is a virtual banking counter on the Internet.

6. Online payment by electronic check

An electronic check is an unconditional digital payment instruction issued by the customer to the payee. It can complete all the functions of traditional checks through the Internet or wireless access devices. E-check online payment inherits the advantages of paper check payment, and at the same time reduces the transaction cost. Because the security of the transaction is ensured by using public keyword encryption signature or personal identification number (PIN) instead of handwritten signature, e-check online payment is now recognized by B2B e-commerce.

7. Payment by electronic bill system

Electronic bill system is a comprehensive business processing platform that relies on network and computer technology to receive, register, store and forward electronic bill data messages, provide services related to electronic bill monetary payment and capital settlement behavior, and provide paper bill registration and inquiry and bill public quotation services. The system supports one-point or multi-point access of financial institutions.

classification by payment terminal

1. Mobile payment

A service mode in which users use mobile terminals (usually mobile phones) to pay for the goods or services they consume. At present, mobile payment services are mainly launched by mobile operators, mobile application service providers (MASP) and financial institutions. Mobile payment is divided into near-field payment and remote payment. Near-field payment refers to using mobile phone as IC card bearing platform and communication tool with POS machine to make payment. Remote payment only uses mobile phone as a simple information channel for payment, and pays by means of Web, SMS and voice. It can also be divided into three ways: mobile phone bill payment, designated bound bank payment and UnionPay express payment. In addition to mobile phones, other mobile terminals such as tablet computers and netbooks can also be used for mobile payment.

2. computer payment

computer payment is the first internet payment method, and to some extent, the rise of computer payment has promoted the development of e-commerce industry. Although its status has been challenged with the rise of mobile payment recently, it still occupies the largest share of Internet payment at present.

3. Internet TV payment

is mainly divided into two types: one is to implant a device similar to a POS machine into a remote controller; The second is to implant the payment function of the bank card into the digital TV set-top box.