The way they use is quite special. The overall process is: the merchant logs in to Alipay's payment page, enters the amount to generate a transaction order, and then the user opens the Alipay client on the mobile phone and selects the barcode payment. At this time, the mobile phone generates a QR code. After the merchant scans and identifies the QR code, the mobile phone user's Alipay account and identity can be confirmed, and then the user can confirm the payment.

The whole set of design process is relatively complete, the entire payment process is based on Alipay's online payment. The highlight is the confirmation of the identity of the mobile phone user. Alipay uses the QR code reading technology and uses the mobile client to generate a user account information. The QR code can complete the face-to-face online transaction payment relationship confirmation between the user and the merchant.

This approach is reminiscent of a new mobile payment method emerging in the United States. The mobile payment system called Square has a large number of commercial users in the United States. Their way is that store customers can connect a mini version of pos machine accessories on their iPhone 4 or Android phones, and customers can easily perform credit card swiping. Compared with the traditional POS cash register, this method has a great cost advantage and is suitable for small and medium-sized businesses. It only needs a very low cost to establish its own credit card swipe service.

Alipay's approach is an offline extension of its online payment service, and its advantages are also strong. The horror is that Alipay users who have a very large number of users nowadays, when these users extend their online payment habits into real life, there will be a lot of room for development without currency payment, and the whole transaction process is convenient and fast.

The application of the QR code is also very secure. First, the QR code generated by the mobile phone is unique and encrypted. Scanning the QR code can confirm the current customer's payment identity, and the merchant can get real. Customer Alipay account and receive currency from its merchants. Moreover, the QR code of each transaction can only be used once, and it will be invalid immediately after payment, which also ensures the payment security of the user.

However, Alipay's approach still has a lot of expansion resistance.

The first is cost, although users only need to install a client application on their mobile phone, but the merchant needs to purchase a dedicated QR code scanning device, the price is thousands of yuan, unless Alipay is willing to invest a lot of money for hardware laying. Otherwise, the cost will become the biggest resistance to its promotion.

Although Alipay has a great advantage in terms of rates compared to the traditional POS cash register solution, its merchant customer base selects small and medium-sized businesses that are currently unable to build POS machines. For them, the cost of scanning code equipment remains Too high.

In addition, the amount of user data, although the Alipay user base is relatively large, but its client supports Symbian, iPhone and Android system phones, how many people will be assured of mobile payment, and this will be considered by merchants. Question, how many people in their customer stream use Alipay mobile payment?

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