But as TV shopping, and e-commerce, remote shopping form of gradually universal, traditional of remote paid means [post office remittance, and COD (Cash on Delivery), form] began let consumer was increasingly dissatisfaction —— just is Xia single convenient, payment is does not convenient, cannot let they experience to remote shopping of wonderful, but network Bank electronic paid, online paid means and to many consumer brings has for security of concerns and new of using threshold.
domestic maximum of line Xia electronic paid company Lacarra (Beijing) electronic paid technology service limited, is from this a inconvenience start, with independent research and development of “ Lacarra electronic bill service system ”, created has Lacarra facilitate paid points card paid way, by traditional of card implementation remote paid, and in security and facilitate Zhijian sought third party paid of balanced survival points, and online paid, and mobile paid, and cash paid and called four electronic paid way.
the compensation logic
although Lacarra originally derived from founder Sun Taoran brought about by electronic commerce for remote payment of huge demand is expected, however the real noise Lacarra disrepute is its credit card business to repay.
all along, a plague nearly 200 million credit card users in China issue is credit card repayments across rows, many holders of debit cards and credit cards are not with a bank. This allows users to run between banks when the repayment, or to pay for the ATM deposit and withdrawal fees. For banks, bank counters or ATM machine seems to always be alone are unable to meet the surge in consumers. While most banks have established their own Internet banking system, but still have a lot of people in the Hall to wait for an hour or two to deal with the most basic transfers.
This is one of the traditional means of payment is not accessible enough to facilitate a miniature, there are various obstacles not only between different Internet banking transactions, and transactions between banks and enterprises behind there is a conflict of interest or policy restrictions caused by “ payments fault ”. For example, a customer paying traffic fines must be made through industrial and commercial bank, electricity, gas and toll in Beijing Beijing only banks, transfer and Bank ATM machines cannot span multiple lines and cross-line credit card repayments. Online banking is a cumbersome hard for many users.
thus, bridging the business transactions between the Bank and cracks become Lacarra facilitating payment of significant value. In September 2007, Lacarra and ping an Bank sign strategic cooperation agreement, both sides in cooperation with the electronic billing and credit card payments. Subsequently, Lacarra and on other commercial banks started one after another has similar cooperation. In any Lacarra facilitating payment point, Lucia Lacarra smart card terminal, users can use a debit card with UnionPay logo as specified credit card credit card for payment, not only supports all bank debit card and Lacarra agency service of bank credit cards, and waived fees.
2010, November 6, Lacarra and Beijing Municipal Government to launch a “ Lacarra tee project ”—— Beijing public Lacarra card will pay cost of various public utilities charges and public service projects, thereby eliminating the trouble of Bank Queuing. Similar to facilitate payment services become the core of Lacarra facilitating payment experience, on the other hand, these basic public services payment services is also Lacarra viscosity increase user and a way of fostering consumer inertia, Lacarra, after all, the initial motivation was to provide B2C retail and mail order payment.
postal remittance, COD, which compared traditional payment methods, emerging electronic payment due to naturally able to use network technology and convenience, as long as the network, when it can not not and palpable. However, this advantage in practical operation due to security considerations become poles apart —— in order to achieve security of electronic payments, the major banks all need to pay to go to the Bank Queuing Agency opened related features, download and install the control, configuring security u shield, make it more cumbersome and complex payment behavior. In the logic of security, electronic payment facilities lack of experience, also contributed to this payment method will ignore the part do not know too many network knowledge and operation of the customer, Lacarra Sun Taoran, Chief Executive for this electronic payment is known as “ provides payment of &rdquo paid for professional networking.
for lack of electronic payments in the areas of security and convenience, Lucia Lacarra will pay for return to the people familiar with the traditional way of credit card, through channel advantage proposed pay deal flow and flow separation, for “ non-network payment ” provides payment method. Indeed, despite the third-party electronic payment the ascendant, but as a complicated procedure of payment methods, and its rise has not been considered to need a transitional adaptation on consumer habits. To provide consumers with the most appropriate, payment of the balance between convenience and security, makes Lacarra payment an e-commerce in electronicPayment, outside of the COD form an important complementary way. After this is held to pay Bao, MA still investing Lacarra logic resides.
