In the PC Internet era, online payment was originally only Alibaba's family, but with the prosperity of taxi software and the emergence of WeChat red envelopes, the pattern was broken. In particular, online mobile payment, Ali has Alipay, Tencent has WeChat payment, Baidu has Baidu wallet, BAT has its own layout, but online mobile payment, BAT has not yet begun to really force.

BAT deep-rooted O2O, offline mobile payment warfare

If between 2013 and 2014, mobile payment is only a war between Ali and Tencent, then in 2015, it will surely evolve into a BAT three-strong hegemony.

First of all, in terms of online mobile payment, Ali has the most mobile payment user Alipay, and naturally has its inherent advantages. For the O2O big cake, Baidu will certainly not be willing to be subject to the mobile payment link, will inevitably promote Baidu wallet, and online action in the field of near-field payment. Tencent naturally does not have to say that with the virus transmission effect of WeChat red packets, WeChat payment has exceeded 100 million in a short period of time.

On the other hand, in the mobile payment scenario experience, not only online payment, but in many business environments of O2O, more payment transactions occur offline. Therefore, after the online payment users compete, the BAT Big Three is likely to turn to off-line mobile payment users, and it is possible to achieve the goal of occupying the offline mobile payment market by introducing smart terminals.

Just as between the connected user and the merchant, free WIFI may be a good medium, and in the transaction of the online merchant, the micro pos machine may be an indispensable terminal device. At present, a large number of micro-POS startups represented by palms are emerging, and in the short term, they have been welcomed by merchants in local markets. However, if BAT is to compete and compete in near-field payment, micro-POS is likely to be widely popularized as an important O2O payment terminal, and around the mobile payment, the BAT Big Three will continue to attack and defend. .

Offline mobile payment: there are not many usage scenarios, and the market still needs education.

However, despite the ambitious BAT giants, they hope to open the door to huge offline business through the popularity of mobile payment tools. But at present, people's mobile payment habits are only in the movie ticket purchase, taxi, etc. In a large number of offline commercial transactions, the user's payment method is still very traditional. For example, in the online shopping store purchase experience, most of the users still use the traditional cash checkout and UnionPay POS card to swipe the card, the use of offline mobile payment is not much.

Especially before the emergence of micro-POS manufacturers such as Palm, the development of offline mobile payment was mainly limited to several aspects. First, the mobile Internet has not been widely popularized. Mobile payment products of more than 600 million users such as WeChat and Alipay have not appeared, and users have no entry for mobile payment transactions. Secondly, there is no professional micro-POS equipment in the market. Because it involves the operation of shops, the transaction link not only needs to record the flow of shops, but also reflects the actual operation of the shops. Therefore, merchants need not only a collection tool like traditional POS machines. More needs to realize visual management of store transactions. In the absence of a complete offline mobile payment solution, the incentive for merchants to actively promote offline mobile payments is clearly insufficient.

Also, merchants generally lack market awareness in O2O. After all, the transformation of traditional offline business by the mobile Internet is a relatively slow process. This is because the offline business is huge and complicated, and it is difficult to form a comprehensive penetration in an instant. This requires a large number of pushes by the manufacturers of the O2O market to achieve the education process for the market. Moreover, at present, several fields such as catering, movie tickets, and taxis, which are relatively in-depth in market education, are not completed under the large-scale push of mobile Internet companies.

Will micro POS become a BAT O2O weapon?

In fact, in the current vertical O2O field, we find that if it is a purely Internet software service, it is difficult to achieve closed-loop and de-intermediation of commercial transactions. For example, in the field of movie ticket purchase, which currently has a high degree of O2O, the user first needs to install an app or log in to the wap station to place an order through a browser, and then the user pays through Alipay, WeChat payment or online banking, and the end user takes the movie to the cinema. Tickets must also be completed through a ticketing terminal, in order to be a smart O2O closed loop with little human involvement.

Similarly, in the vast commercial field of online, whether it is a clothing store or a food and beverage store, it also needs an intelligent hardware terminal to assist the store to complete the O2O closed-loop transaction. This is also the reason why the palm POS vocalists emerged in 2014. POS is equivalent to providing a set of O2O solutions with mobile payment as the core for offline merchants to solve merchant problems from three levels.

First of all, the micro POS machine incorporates the collection function. Under the premise of meeting the traditional credit card payment, it also supports the two-dimensional code represented by WeChat and Alipay, and the scanning code payment method, which can meet the rigid demand of the merchant and create O2O's stable entry to achieve more possibilities; secondly, to provide merchants with electronic card voucher marketing solutions, with WeChat's card package function, can provide support for merchants' member management and marketing management; finally, systematic management By combining offline payment and online mall consumption records, merchants can easily access consumer big data, which can help merchants to adjust, develop, and ultimately realize the management of the Internet.

All in all, O2O is a big cake with a scale of one trillion yuan. Whether it is the BAT top three or the traditional business giant, it is all about this upcoming market, and the mobile payment link is the most crucial part of the O2O closed loop. The giants focused on the layout and the focus of the competition. In particular, in terms of online mobile payment, there will be a battle between BAT in 2015, which will likely affect the micro-POS manufacturers that have previously deployed and “land-opened” in this field, and the O2O market process will also This continues to accelerate.

Shower Gel

The role of bath dew:

(1) the shower gel has a clean skin effectThe basic effect of bath lotion is to dissolve and remove the dirt and grease from the skin and pores, and keep the skin clean and clean, not damaged by dirty dirt, and prevent skin pores from clogged and cause some skin problems to appear.

(2) the shower gel has the effect of whiteningThe shower gel also has the effect of whitening the skin, and when using the shower lotion, the effective composition of the body will quickly penetrate the skin, highlight the skin color and make the skin more white. And the cleaning effect of bathing is also a way to avoid the accumulation of dirty things and cause the skin to be dull.

(3) the shower gel has a moisturizing effectSome of the ingredients of the lotion, such as honey, are added to the shower gel, and the skin will not be dried by the strong cleaning force, but it will also feel very moist, so that the immune system will not destroy the skin surface of the skin, which is very mild, and is suitable for those who are sensitive to the skin.

(4) the shower gel has the effect of sterilizationIn addition to cleaning, bathing lotion can also kill bacteria, often use bath lotion to prevent harmful bacteria from causing damage to the skin or body, and can be used to prevent the effects of some skin diseases.

(5) the shower gel has a role in regulating the moodNow many of the bathing dew will add spices to the people who use the shower gel to enjoy the aroma of the skin while cleaning the skin, and some of the shower gel is still fragrant after use. These subtle aromas can help regulate people's moods, relieve stress, and sweep away the gloom.

Shower Gel,Dettol Body Wash,Shower Cream,Best Shower Gel

DONGGUAN VOLES COMMODITY CO., LTD , https://www.volesvip.com