网上支付又称为网络支付，是指通过互联网实现的C2C、B2B之间在线货币支付、资金清算、查询统计等过程
Online payment is refers to through the Internet to achieve online payment, fund clearing, and statistics between C2C or B2B .
主要支付模式包括
The main mode of online payment including 1.Online bank payment2.The third party payment 3.Virtual currency payment
The first topic is 1.Online bank payment
网上银行支付是指客户在银行柜台或银行网站上签约网上银行后，利用银行的网上支付系统所进行的资金支付活动。
Online bank payment means customers signing the online bank at the bank counter or on the bank site, using the bank\'s online paymentsystem for doing payment activities.
在所有的网上银行之中，中国工商银行占有最大的比例，所以我们以中国工商银行为例子来进一步说明网上银行
In all of the online bank, the industrial and Commercial Bank of China holds the largest proportion, so we in the industrial and Commercial Bank of China as an example to further explain the online bank.
中国工商银行拥有最多的企业客户资源，网上银行交易规模是所有银行的顶部，根据这张“2011 网上银行 数据 比“第三季度，我们可以看到2011中国网上银行市场交易量第三季度达到2122000元。
ICBC has the most customer resources, the online bank transaction scale is the top of all banks, according to this picture \" The third quarter of 2011 the online bank dataratio \", we can see the third quarter of 2011 China online bank market transaction volume reached 2.122 million yuan.
Then how about The security of the Online bank
Take Industrial and Commercial Bank of China as an example, it includes 3 kinds of security tools.
1.U shield
U盾是获得国家专利的硬件加密工具，具有很高的安全性，可以最大程度的保证交易安全
U shield is an encryption hardware tool which obtained national patent, it with high safety, can provide the maximum degree of transaction security
2.ICBC electronic cipher
工银电子密码器是工行为客户提供的一款全新的电子银行安全产品，是具有内置电源和密码生成芯片、外带显示屏和数字键盘的硬件介质，您无需安装任何程序即可在电子银行等多渠道使用。安全性较高
ICBC electronic cipher is a products with new electronic technology to provide high security , is a hardware medium which has a built-in power supply, a paword chip and a digital keyboard, The point is you do not need to install any software then you can use it in the electronic bank channel.
3.Electronic bank paword card
电子银行口令卡的保密性也是极高，客户只需携带有效证件和注册过网上银行的银行卡，即可到工行营业网点领取电子银行口令卡
Electronic bank paword card’s security is very high too, you just need carry your identity card and registered online bank customer\'s bank card, to ICBC busine hall and you can get your electronic bank paword card
第二方面
The second way of paying online is.The third party payment.
第三方支付平台是一个支持产品在本国和外国的银行交易或合同，提供了第三个独立的组织服务。第三方支付有一定的经济实力和良好的信誉的保证。
The third party payment is a supported platform which product in national and foreign banks to make contract, transaction or provides services on third independent organization.The third party payment have a certain economic power and a good credibility of the guarantee.
从这幅图可以看出，在所有的第三方支付方式中，用支付宝的客户占据了绝大部分的市场，财付通居于次位。所以我们以支付宝的为例来说明第三方支付的工作方式
From the picture we can see, in all third party payment, alipay customers occupy most of the market, tenpay is secondary.So we take the alipay for an example to illustrate the third party payment way of working
直到2011十二月，支付宝用户数已超过650000000，最高日贸易超过4500000000元，日贸易达到33690000的峰值数目。支付宝的产品，独特的概念和庞大的用户是吸引越来越多的企业和合作伙伴的选择支付宝作为其在线支付依据。目前除淘宝和阿里巴巴，供应商和合作伙伴的支持支付宝在线支付和移动支付服务已经达到460000，覆盖商对客，C2C购物，空中旅行的机票，生活服务，金融，公共福利等方面
Until 2011 December, Alipay users number has exceeded 650 million, the highest trading in one day more than 4.5 billion yuan, the peaknumber trading in one day reached 33.69 million.Alipay products, unique concept and the huge user is the basis to attract more and more businees and partner selection Alipay as their online payment.In addition to Alibaba and Taobao, the vendors and partners support Alipay online payment and wirele payment services had reached 460 thousand, covers B2C, C2C shopping, air travel ticket, life service, finance, public welfare and other aspects
安全？
Then how about the security of the third party payment ? Take Alipay as an example, it includes 4 kinds of security tools.
Safety controller
为了提升支付宝账户的安全性，防止账户密码被木马程序或病毒窃取，支付宝公司精心设计并推出安全控件，该控件能够有效防止木马程序截取键盘记录。 In order to improve the safety of Alipay account, prevent account paword from computer virus, alipay company design and launch the safety
controller, this controller can effectively prevent the recording of the
keyboard.
2.Digital certificate
数字证书是使用支付宝账户资金的身份凭证之一，加密您的信息并确保账户资金安全。数字证书由权威公正的第三方机构CA中心签发。
Digital certificate is the identity certificate to using fund in alipayaccount, encrypt your information and ensure the safety of the funds in the account.Digital certificate iued by CA center which is the third party’s authority.3.Third party certificate
绑定第三方证书将可以保障您在网上交易资金和支付宝账户安全。没有第三方证书，用户只能进行查询账户操作，而不能进行其他任何对于资金变动的操作。 Binding third party certificate will protect you in online trading and your alipay account security too.No third party certificate, the user can only do query account operation, can’t do any other funds operation.
4.Alipay shield
支付盾的功能类似与u盾，也可以提供强大的安全保障
Alipay shield’s function is similar to the U shield, can also provide strong security.
对比网银
And we can take the alipay compare with the online bank.
As can be seen from the above, compared with the online bank,the
alipay pay more attention to the software prevent.We also can find that the alipay shield as a hardware support also can give a reliable protection, and its function just like the U shield
支付宝并不满意只是第三方大哥，支付宝也非常关注POS业务，但这使POS鼻祖——银联非常不满
Alipay does Not satisfied just be the third party eldest brother,alipay also very concerned about the POS busine, but this makes POS originator —— UnionPay very diatisfied
对于支付宝和银联在线下交易业务上的竞争我只想说制止垄断和公平竞争
For Alipay and UnionPay offline trading competition I just want to say put an end to the monopoly and give them a fair environment for competition
3.And the last is the Virtual currency payment
虚拟货币就是指由网络服务提供商发行的用于购买网络虚拟商品的电子储值与支付工具，如Q币、U币、各种网站积分、各种游戏币等。
Virtual currency is the currency which provided by network service provider for buying from electronic stored or as a tool to do payment like buying virtual goods, such as Q-coins, U-coins, points or props in sites or games.
QQ为中国目前使用人数最多的即时通讯软件，其服务提供商腾讯为中国最大的互联网通讯应用软件服务商，目前其注册用户超过10亿，活跃用户超过6亿。 QQ as the Chinese instant communication software which has the largest number of user, this service provider Tencent is also the largest
Internet application service provider in China, which has more than 1billion registered users and more than 600 million active users.所以目前， 的 ”是最使用虚拟货币支付。
So at present, the Q-coin is the most using virtual currency.
2002，腾讯公司依托即时聊天工具QQ推出了Q币，作为其互联网增值服务工具的采购，并使用代理模式在全国各地销售有效。用户不仅可以在销售点（通常是在网吧，电脑城）购买Q币，但也可以购买通过语音电话充值，汇款，移动电话和其他手段。的Q币有几个 值如1，2，5和10。1 Q币等以1元的价格。 In 2002, Tencent Inc relies on the instant communication software QQ launched Q-coins, as the currency of its Internet value-added services tools, and using the agent model for sale effective throughout the country.Users not only can go around the distribution points to buy the Q coins, but also can buy it through the telephone recharge, remittance and other means.The Q-coins have several value like 1, 2, 5 and 10.1 Q-coins equal to the price of 1 yuan.
QQ卡是腾讯QQ公司推出的一种“Q币”使用卡，简单的说就是Q币的充值卡。用Q币可以购买一些网络上虚拟的物品，QQ秀，QQ空间装扮均可用到，还可以开各种QQ业务，比如会员、红、黄、蓝、绿、紫、黑、彩钻以及洛克王国，穿越火线或QQ炫舞等游戏的VIP。
QQ card is a kind of \"Q-coin\" card which launched by Tencent,.Using Q-coins can buy some network virtual goods like QQ show, Q-zone decoration, also can open all kinds of QQ services, such as red, yellow, blue,even colorful diamond in QQ and the VIP of games such as kingdom of Rock, cro fire or QQ dancing.
如图所示，2011年腾讯有56%的营收来自游戏。其中，《穿越火线》和《地下城与勇士》两款热门游戏贡献的营收就占到总营收约40%
As shown in this picture, 56% of the trade volume of Tencent in 2011 is from the game.Among them, \"cro fire\" and \"Dungeon Fighter Online\", two popular games had contributed 40% to the trade volume of Tencent.关系
The relation among them is supplement each other
2011网上支付服务行业的交易量的中国第三方支付已经达到2161000000000元，具有安全、方便，网上第三方支付交易规模的迅速发展。
In 2011 the Chinese third party payment of Internet payment service industry transaction volume has reached 2161 billion yuan, both with safety and convenience, the transaction scale of the third party payment on internet is developing rapidly.
根据人们使用腾讯Q币人数的官方数据已经超过200000000，是中国最大的多用户虚拟货币。
According to official data of the number of people who use Tencent Q coins has more than 200 million, is the largest number of virtual currency user in china now.
但是网上银行付款过程可能看起来很乏味，但安全性高，是其他两个支付完成的基础上
And the proce of online bank payment may seem tedious, but with high security, is the basis for the other two payment to complete.
如果我们把三种在线支付的方式放在一起对比，以星星的数量来表示不同方面功能强弱，我们就可以得到这幅表格。
If we take the three online payment together with contrast, the number of stars to represent different aspects of the function, we can get this form.
从这幅表格上我们可以看出，网上银行作为其他两种支付方式的基础，其规模和影响是最大的，但是因为其操作较为麻烦，所以使用的人数比较少
From this table we can see, the bank on the net as the basis for the other two kinds of payment, the scale and the impact is the biggest, but because of the operation is troublesome, so a small number of people using this way.
已Alipay为首的第三方支付，无论是从规模还是使用人数上都有一个较好的平衡，是人们在线支付的首选。
Alipay has led the third party payment, either from the scale or the number of user both have a good balance, it is always the first choice when people paying online.
虚拟货币支付因为有各种应用软件的支持，所以有着庞大的用户群体，但因为虚拟货币并不是人们生活中的必需品，所以总体来说消费规模和影响比其他两种方式要小。
Because of Virtual currency payment has various kinds of application software support it, so there is a huge user groups, but because the virtual currency is not the neceities in the life of people, so the consuming scale and influence is smaller than the other two methods.
