Taiwan Electric dealers pay a variety of ways but lack of third-party payment platform

Taiwan Province Electric Business logistics to the convenience store "shop match" as the characteristic, the payment method is diversified but lacks the third party payment platform, enters the mainland Taiwan Province Electricity quotient, then takes the famous and the star as the main characteristic.

Perhaps because of the small area, China's Taiwan E-commerce logistics distribution appears relatively clear, and the complexity is not high. For Taiwan Province, from the north to the south, from Alishan to Sun Moon Lake, can be achieved within 24 hours, not to think of building warehouses, or set up a warehouse. Compared with the mainland, Taiwan Province Logistics refined operation degree is deeper, at the same time with "home with" and "Shop with" two modes, form a harmonious, mutually beneficial good situation.

1. Home Matching

Japan is one of the most developed countries in the world logistics industry, which has great influence on the Taiwan Province Logistics industry, especially the development of home allocation. In recent years, because Japan's logistics more focus on the concept of refinement, Taiwan Province Logistics enterprises have sought to strategic alliances with Japanese transport enterprises, trying to better develop the home market.

For example, the Unified group and the Japanese home distribution business city accounted for the first large and transport companies to set up a unified fast Tatsu company; Xinzhu Freight and Japan Sagawa urgent cooperation, formally put into the home with business; the great Rong Freight and the Japanese Western Han Dynasty transport company cooperation, let originally quite competitive logistics industry, tend to more intense competition stage.

In addition to the introduction of Japan's advanced logistics concept, but also because of the small area of Taiwan Province, logistics industry development is easier, compared with the mainland is more mature and perfect. In Taiwan Province, the general online shopping can achieve a half-day, but also to distribute fresh, low-temperature products.

Rongshi Example: Network technology in Taiwan has a customer specializing in fresh food business. Every May, Taiwan's East Haven small fishing village will hold the "Black Tuna Season" festival activities, customers will go to the sea to catch bluefin tuna. In the morning customers pull the bluefin from the boat ashore, usually to the afternoon consumers can receive bluefin tuna.

2. Shop with

In addition to the "Home matching" model, in Taiwan Province, by integrating social resources, giving full play to the advantages of convenience store information platform, store network and logistics distribution, establishing a logistics distribution system based on the network of convenience store community, known as "store Matching", has also become one of the important logistics and distribution methods in Taiwan.

2010, the mainland popular "O2O" mode, that is, online to Offline, the realization of the line up and down single, offline delivery. In fact, this and Taiwan Province "shop with" mode has a similar, the unified group of 7-11 convenience stores is the most typical case.

Due to the wide coverage of 7-11 convenience stores, in the Taiwan Province has tens of thousands of chain stores, are 24 hours of business, these convenience stores close to residential areas, of which more than 70% of customers, only need to walk less than 10 minutes to the chain. According to Rongshi, two or three convenience stores can be seen at any one corner, looking over the past. This provides consumers with the convenience of taking goods.

In fact, the network distribution system of 7-11 convenience stores has a long history, the earliest introduction is the distribution of books and CDs. June 2000, Taiwan Province website Blog to cooperate with the unification of 7-11 convenience stores, carry out "blog to book, 7-11 payment to take goods" service, rely on 7-11 strong logistics distribution system, by consumers choose the most convenient store cash to take goods. At the beginning of 2001, the unified group made a 50.025% stake in blogging by investing in 7-11 convenience stores.

Since then, 7-11 convenience stores in the distribution of time and distribution of types are divided into publications, room temperature food, low-temperature food and fresh food four categories, the distribution centers in various regions need to be based on the characteristics of different commodities and the demand for different frequencies of distribution every day. Generally implemented three times a day distribution system, divided into 3 points, 8 points, 15 three time period cycle distribution.

As a result, 7-11 convenience stores have gradually established their perfect network distribution system, and become an important link of e-commerce logistics distribution system. Subsequently, this use of convenience store channels to create E-commerce logistics system practices in Taiwan's E-commerce circle has been widely recognized.

Compared with Taiwan, in recent years, the mainland's logistics distribution model, also began to enter a trial period. Once in Shanghai rage "Big Warehouse", then try to achieve online sales through the convenience store goods, eventually due to dot points not enough, can not produce scale effect, to failure.

In addition, the start of frozen food group, also began to test water e-commerce. Not only the introduction of independent business platform---------Bless music network, also in Hangzhou Central layout "Bless station" convenience store, and hope that through this action, try 7-11 Convenience store mode, realize "O2O".

But clearly, the constraints on the mainland cannot be ignored. At present, the mainland chain convenience stores in Beijing, Shanghai, Guangzhou and other large and medium-sized cities, for no store-supported cross-regional distribution, still need Third-party logistics support. Moreover, the mainland market is too large, it is not easy to cover a convenience store across the country.

"In the future, the development of E-commerce in the mainland, when the product differentiation is no longer obvious, will enter the service phase, perhaps warehousing and logistics will become a new bright spot for Web services." Leri chairman Schkeven thinks.

Lack of third-party payments

Comparing Taiwan Province and the development of E-commerce in the mainland, if the Taiwan Province Logistics distribution Service above, then the mainland payment method is more characteristic, here is the third party to pay.

In mainland China, with the vigorous development of e-commerce, online payment has become one of the important components of e-commerce. The so-called third party payment platform, is the use of standard connectors, online merchants and banks seamless connection, and then solve from consumers to financial institutions, merchants online money payments, cash flow, funds liquidation and so on.

Through the third party payment platform, can effectively avoid the transaction composition of the return of exchange, integrity and other aspects of risk. Third-party payment vendors and major banks signed a proxy gateway contract, through the interface provided by the bank and the local enterprise system seamless connection, and then the collection of a large number of bank Payment gateway payment system platform for the use of the merchant.

According to the Analysys International report, 2010, the mainland third party payment market turnover has exceeded 1.1 trillion yuan, Alipay 49% of the share accounted for half. As of July 2010, Alipay registered more than 200 million users, occupying nearly half of the domestic Internet users.

It can be seen that the Third-party payment platform has a strong foundation in the mainland users. Unlike the mainland, where the Taiwan Province is legally limited, the Third-party payment platform is a financial project and can only be operated by banks, but banks prefer to use credit cards rather than third-party payment platforms. Therefore, the formation of a third party to pay the company's unqualified, qualified banks do not want to do the situation. Taiwanese provincial network operators have fought for third-party payment platforms for many times, but have been rejected by Taiwan Province's "legislative bodies". In this way, Taiwan Province even PayPal can not use, because it is not run by financial institutions, is also illegal.

In addition to the lack of third-party payment platform inconvenience, in Taiwan Province, electronic payment is quite convenient, its e-commerce payment mechanism is divided into three major categories: credit cards, ATM transfers, convenience store payment.

1. Credit card

In Taiwan Province, using credit card online is one of the main means of electronic payment. The Taiwan Province population is around 23 million, but the credit card is 45 million, with an average of nearly 2 credit cards per person. In addition, credit cards can also be used for installment, for the online young "Moonlight Clan" consumers, can be divided into 12, 24, 36 installments, very convenient, which also makes credit card transactions relatively large.

2.ATM Transfer

In addition to credit cards, ATM transfer is also an important way to pay for electronic payment, Taiwan Province bank card and the mainland bank card is the difference between Taiwan Province card most of the cards have IC chips. Earlier, Taiwan Island has a lot of bank card fraud group through technical means, cheat password after the replication of bank card withdrawals, therefore, in order to prevent users benefit from infringement, Taiwan Province bank cards are mostly equipped with unique IC chip. In addition to transferring money on a physical ATM, you can transfer money directly online by inserting a card reader on your computer.

For the small sellers of non-enterprises, because there is no way to accept credit card (credit card charges can only be a business qualification sellers), only through the way of ATM transfer, which also creates new risks. Buyers after the order, will be based on the account provided by the seller to transfer, but if the shopping site or transaction itself is designed to defraud, buyers do not have the means to determine the authenticity of the account, but also let the fraud group opportunity. This is also the reason why the Taiwan Province industry strongly appeals to the third party to pay the platform.

3. Convenience store Payment

In Taiwan Province, the convenience store system, in addition to the special position in the logistics distribution, also undertakes the important payment function. In a convenience store, the payment of online orders can generally be completed in 3 ways. One is to take the goods to pay. The buyer orders the goods online, determines that after the pick-up store, the money will be delivered when the goods are taken, and second, the convenience store pays. Every convenience store has ibon machine, mainly for the purchase of tickets, recharge users, you can get the bar code on the Ibon machine, the counter pay to complete the order; third, bar code payment. Buyers in the online order, the Web page will produce a set of bar codes, after printing through the barcode printer, buyers can go to the convenience store brush bar code pay, but because of the need for barcode printers, this way has slowly faded out to pay the market.