Ten strokes to play the transfer of electricity business finance, you are the electric business big! (4)

Nineth recruit: Playing independent "currency"--Internet payment monetary finance

Case：

Tencent launched the online virtual currency Q-Coins from May 2002, QQ users to pay QQ line number, QQ member Services or the purchase of virtual clothing, scenes, cosmetics, game money to buy game props, such as virtual goods, its official price is 1Q = 1 yuan, but only one-way exchange. It is estimated that Tencent's 2011 game income of 15.8 billion yuan of about 70% of the income is through the Q currency to achieve.

Since then, internet companies have launched their own "currency."

Shanda Company launched a grand silver piece, for its "legendary World" and other online games to buy virtual goods services such as virtual currency, the official price of 1 silver piece = 1 yuan. Sina u currency is a virtual currency in the circulation of Sina, can be used to buy Sina reading, finance, constellation, games and other products to provide value-added services, the official price of 1U Yuan = 1 yuan. Baidu Currency is the Baidu company for individual users to launch the virtual currency, used for Baidu to play the various network games recharge and Baidu space application of various types of community game recharge, the official price of 100 yuan = 1 yuan. Sohu launched Fox coins, its network game "princes" of the players, through the Fox money recharge channels, the purchase of Fox coins, will be exchanged for princes and white gold coins in the game mall use, the official price of 1 fox yuan = 1 yuan. Sina in the third quarter of 2011 launched the micro-blog virtual currency "micro-currency", which is the first time Sina against the platform monetization behavior, the official price of 1 micro-currency = 1 yuan. In addition, there are winger game of Silver, "Journey 2" Game of Silver, "Chivalrous Road" game of the chivalrous silver piece, "Bi-snow Love Day" game silver and so on.

Since the existence of the virtual currency may impact the legal tender and disrupt the risk of a country's economic and financial order, the Government has introduced a virtual currency into the regulation of the Internet companies, such as strict restrictions on the total amount issued, prohibiting the virtual currency from leaving the Internet application environment for the purchase of physical products.

function：

1. Lock Customer function

All virtual currencies are provided with one-way exchange terms, that is, the virtual currency can only be exchanged in fiat currency, and the virtual currency cannot be converted to legal tender. If the option is the employee's gold handcuffs, the virtual currency is the golden handcuffs of Internet users. An application, a game, a community, with its own virtual currency, has a pair of glittering handcuffs, their own users, firmly tied to their own internet site.

2. Pre-payment function

When customers have not yet begun to consume, they have already injected an equal amount of fiat money into the internet company account in advance, thus forming a capital deposit.

3. Currency issue Income

In the metal currency era, the money supply is provided by the economic entity, and the exchange between currency and commodity is a process of equivalence exchange. In this process, there is basically no money distribution income. But when the currency form develops to the insufficient value currency, especially to the credit currency age, from the technical currency issue from the real economy fetter, the currency issue becomes one kind of privilege, can bring the distribution income for the issuer. Of course, the so-called currency of Internet companies and social circulation of the legal currency is a big difference, but they all have the means of payment and value-value function. Although the Internet "currency" with the statutory fixed exchange rate of exchange, but the purchasing power of Internet money in the Internet is not fixed, that is, purchasing power is fluctuating, at different times have different purchasing power. Internet companies can earn revenue by fluctuating the purchasing power of Internet money on the Internet.

Tenth recruit: Play mobile--mobile payment finance

Case：

After card payment, network payment, mobile phone mobile payment has become the new favorite. Currently Alipay Mobile client has nearly 4 million downloads of clients, and Apple's App Store and Android harsh have reached 700,000 downloads, in addition to a large number of external download forums, websites and private communications. Pay Treasure Wireless Payment single day trading pen number has been close to 200,000 pens. Mobile phone Alipay currently has 40 million users, and PC computer online payment ratio of 1:9. At the same time, Taobao in 2008 with its products and technology in the congenital advantages and portability, the introduction of mobile phone version of Taobao, officially blown into the Wireless retail area assembly number. December 15, 2009, Taobao launched three custom mobile phones and mobile phone client High-profile launch, but also to fill the domestic mobile e-commerce field of space, so that anytime and anywhere the mobile payment added more application scenarios. The average mobile Taobao completes 83,000 transactions per hour, selling 155,000 items. This year "Double 11" mobile phone taobao turnover reached 930 million.

At the same time, such as the United States network, handle network, Air China Mobile phone applications, such as mobile E-commerce development, to help the mobile payment demand for a large increase. Although mobile payments currently account for a small percentage of the total transaction amount in China, it is 2.5 billion trillion dollars, but the forecast will grow to $40 billion by 2014. Purchases of tickets, digital books and music will show the greatest growth. By 2015, the proportion of mobile phone payments will reach half. According to Juniper, a market research firm, the amount of transactions handled globally by mobile payment services in 2015 will increase from $240 billion trillion to $670 billion this year.

function：

1, so that customers in any application site under the network shopping

Having a business involves the flow of money, and hence the process of payment. Mobile financial services, such as moving payments, allow customers to anywhere, using any available means, 3A (anytime, Anywhere, anyway), can get any kind of strong demand for financial services, which undoubtedly greatly expands the convenience and hyper-temporal nature of online shopping, Thus increasing the total turnover of the electric quotient platform.

2, so that any need to pay for the purchase of goods and services become net goods

NFC (Nearfield communication) contactless proximity wireless communication technology and etc (Electronic toll Collection) No parking fee system allows the crossing of the bridge, parking, commuting and other goods and services that need to be paid to become net goods. This will undoubtedly extend the boundary of the net goods to any legitimate circulation of goods and services, will greatly enhance the total trading volume of the platform.

Conclusion: The electric business is to leverage the internet lever to pry into the economy generated by the currency flow of the trading medium. From the traditional retail business to the network of retail transformation, the change is only the tools and location of the transaction, but the essence has not changed, is to pry and accelerate the flow of money to generate the economy, for enterprises, individuals and society to create wealth. Members of the electric business players, to play the electricity business finance, must have to know what the electricity business financial admission, what can play tools, what must and optional play, but also have the skill and psychological quality.

Zhiyong and Rockefeller are out, but out of the tools they are used to by the Times, and their financial ideas, practices forever fashion! You electric business players, always remember: the use of Internet tools, money, is the electricity Shang Wang. Play the Power Trader financial style, you are the electric dealer big guy!