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When you use the Gaode map to search for your destination, you can directly select the leftmost “Take” option to take a taxi. If you complete the pre-authorization when you take a taxi and let Gaode Map get your sesame credit score, then when your sesame credit score is higher than 550, then you can use Alipay’s secret payment. Once the driver arrives at the destination, he can use the Alipay’s secret payment to deduct the payment, without having to re-enter the application and lose the password.

WeChat has just announced that the WeChat payment coverage covers taxi scenes and can provide similar functional services.

First pay and pay, automatic deduction

WeChat payment points are still a feature that many people have not yet touched, and define your credit rating through the frequency of your payment and performance on WeChat. It shares the same sesame credit, and is a payment tool that you use frequently in your daily life. It also provides you with a choice of credits.

The current WeChat payment coverage covers ten scenarios, charging treasure, online OTA reservation, shared travel, medical equipment rental, book rental, express logistics, network car, unmanned container, entertainment equipment, airline travel.

WeChat pays the latest covered taxi scene, and also adopts the mode of paying first and then paying. After the user opens the WeChat payment sub-service, the score is up to the standard and there is a chance to enjoy the “first pay after the taxi”.Pay, automatically deducted after arriving at the destination.

The “speed speed taxi” applet is the first web-based car program to support WeChat payment points. In addition to this small program, there are also Baidu maps, high-tech maps and other network car platforms.

This is the same as the application of WeChat payment points in other fields. For example, in the airline tour, users with a WeChat payment score of 550 or higher can enter the small program by offline scan code or WeChat search for “Spring Airlines” before boarding the flight. After the real name certification, apply at the “Personal Center”. “We pay on the WeChat machine”, you can also experience the first payment after the machine.

Credit system and credit payment are all offline extension tools

The WeChat payment coverage covers an additional area. In the field of credit payment, in addition to the new trend of WeChat payment, we can’t ignore the WeChat credit payment product that has recently appeared in the public view – “payment”.

Tencent has always been very cautious in the construction of the credit information system. But in recent years, they have begun to steadily cooperate with merchants, gradually promote their credit scores, and even launched their own credit payment products. This arrangement in the credit payment field is not to make money, or to touch areas that have not been tried, simply because credit payment is one of the most efficient marketing tools in offline transactions, which can increase the success rate of conversion.

The origin of credit payments was in the 1880s, when the target users of the British clothing industry were local luxury. They like to buy expensive luxury goods, even if they accidentally buy more, the money they carry is not enough to pay for their own expenses. Therefore, merchants have created a credit system that allows rich people to bring home what they want to buy directly, and then pay.

At that time, the UK’s record cards were only able to carry out short-term commercial lending at specific locations, and later applied in the tourism and commercial sectors, but the essence was still a system designed to rely on the capital credit of the wealthy population. Later, there was a credit card. With the release of the first credit card from Franklin National Bank, the credit card became the most familiar credit payment tool.

The credit payments of credit systems and credit cards built by Ant Financial and Tencent are based on credit, but there are still many differences.

• It is easier to check the sesame credit score and WeChat payment points.

In the credit card era, how do you know the credit of the other party? The answer is to check the letter, but the credit inquiry is very troublesome. It is necessary to entrust the agent to entrust the agent to inquire about the credit information.

The Sesame Credit Score and WeChat Payout are not data that everyone knows, but the process of demonstrating it and verifying it is easy. Countless people have spent a lot of time on it, and they have accumulated a large amount of data for them. Together with the help of credit payment products, the long-established Sesame Credit Score can even be used as a basis for direct visa application. There is no need to provide bank deposit certificates or bank flow. .

It’s easy for everyone to show a credit score and payout points compared to the trouble of showing credit.

• Sesare credit points, WeChat payment points, small amount can also be used

Although offline scanning code can now use credit cards, people still have no consumption habits to scan credit cards, and they are more accustomed to using WeChat to complete payment. WeChat and Alipay.

And people also have a hard time trying to buy food with a credit card. They use credit cards to buy clothes and jewelry, but they are not used to credit cards for small purchases such as grocery shopping. However, the online payment products of the Internet are not limited. Buying two yuan of vegetables, dozens of meat and eggs, all can be used for flower and donation.

For the user, the credit payment tool installed in the mobile phone is more convenient to use and the payment is more convenient. For merchants, this low-cost credit payment is also their new opportunity.

The merchant wants to sell the goods to their guests. The payment method for the guests to choose how to pay is the same for them – as long as it is not credit, it is the same. Although it is also a kind of “scrapping” with the sesame credit score and WeChat payment, people are even moreI believe in my own “new era credit”, so the bad debt rate is low and the payment period is short.

Users also want to “pay first, then pay”, so businesses that offer them new ways of payment will also become their new choice.

Buy pork can be used as a case of “first enjoy and then pay” sinking. The owner tells you that even if the price of pork rises, you still have flowers; renting a treasure can be used to share the treasure. The most important factor is to remove the deposit of 100 yuan. The single consumption makes everyone more reassured; now the offline mobile phone sales point also supports the payment of credit payment, which is the benefit that the previous users can only enjoy online. It is now also available in the Apple Store.

From online to offline, consumers want to buy, merchants want to sell, and the platform wants to reach wider.

Like the annual summit of Alipay’s small program on September 17th, Guan Zhong, general manager of Alipay’s small program division, said in an interview with the media that knew the program:

The payment industry itself does not make money, and more is the ability to reach the scene.