(Photo source: piqsels website)
"Thank you sincerely for your support and companionship. We ran away. The money has been washed away by our professional team. We are also abroad!" When countless Apple fans were queuing offline to buy iPhone 14, two "running statements" of Yiliango instantly triggered public opinion.
A few days ago, many consumers reported that they pre-ordered the latest Apple phone on the Yiliango WeChat mini program, which cost as little as tens of thousands of yuan and as much as tens of thousands of yuan. However, after payment, the seller did not ship the goods for a long time, and the customer service could not contact him. Even recently, Yiliangou is suspected of issuing a "run away" statement. At present, the "Yiliangou Online Mall" can no longer be found through WeChat mini-programs, and the public security department has intervened in the investigation. After Yiliango's online purchase of iPhone was fraudulent, how should a number of e-commerce platforms conduct guarantee transactions after Yiliango run away with tens of millions of dollars?
The most effective way for e-commerce platforms to conduct guaranteed transactions is to use the payment and settlement system. Regular payment and settlement systems are all affiliated to banks or licensed institutions. After the e-commerce platform is connected to the payment and settlement system, transaction funds can be avoided from flowing into the platform's own account and instead stored in the central bank's supervision account. E-commerce platforms cannot misappropriate transaction funds or tamper with transaction data. They can effectively ensure the security of funds, promote the compliant operation of e-commerce platforms, and greatly enhance the transaction trust of upstream and downstream partners of the platform.
However, in addition to providing guaranteed transactions, the payment settlement system can also provide e-commerce platforms with one-stop payment and account sharing services. On the one hand, the system aggregates mainstream payment channels such as WeChat, , Alipay, , and Cloud Flash Payment to meet the diversified payment needs of a large number of users on the e-commerce platform and increase users' stickiness to the platform; on the other hand, after the system configures the account sharing information, it can quickly realize automatic account sharing and profit sharing. At the same time, it also supports automatic reconciliation and accounting adjustment, helping e-commerce platforms and upstream and downstream partners to achieve efficient fund clearance, effectively improving the platform's transaction management efficiency.
Whenever an e-commerce platform breaks out, the primary impact is the transaction trust between users and a number of e-commerce platforms. Of course, this is also a pain point that has always existed in the e-commerce industry. In the context of industrial Internet, there is no contact or meeting, and the transaction amount is large or small, and there is a transaction trust crisis in itself. Users and merchants are worried about the problem of not giving money or not giving money when they give money. In recent years, such as Beidian and Yi.com Shopping, etc., have occurred frequently. Only by completely solving the risks of the middle party's possible misappropriation or embezzlement of settlement funds from all parties to the upstream and downstream transactions, can the transaction trust between users and upstream and downstream partners be truly improved. Therefore, the importance of guarantee transactions is self-evident.
Nowadays, more and more e-commerce platforms are attracted by the convenience and security of the MallBook payment and settlement system. After accessing the payment and settlement system, the platform can quickly achieve guaranteed transactions and cost-reduction and efficiency improvement in various aspects, and promote the sustainable and stable development of its business.
