According to NPD research, 45% of impulse purchases are made in brick-and-mortar stores, but only 23% are made online. The conceptual scope of unplanned shopping is wider than impulsive consumption, but this report also proves from the side that consumers shopping online will be more rational, or in other words, more purposeful than shopping in brick-and-mortar stores. Data source: "2018 E-commerce Industry Research Report" If you want to understand the shortcomings of traditional e-commerce unplanned shopping, there is another data for reference. The per capita usage time of e-commerce applications is generally not too high. According to the "2018 E-commerce Industry Research Report" released by Aurora Big Data, users use Pinduoduo and mobile Taobao the most frequently, with an average daily frequency of more than 4 times. Users of JD.com and Tmall use it about 3 times a day, and the frequency of use of other apps is less than 3 times. In terms of duration, the usage duration of mobile Taobao and Pinduoduo is longer, more than 20 minutes, the usage duration of Xiaohongshu, Mogujie, Jumeiyoupin and Tmall is medium, 15-16 minutes, and the usage duration Phone Number List of other apps is longer. Short, 10 minutes or less. To buy goods online, users must first open the website or app, compare the price of the goods, browse the picture and text introduction, and the comments of netizens. In this short 20 minutes or 10 minutes, it is difficult to set aside more "rich" time, prompting consumers to "hang around" for unplanned shopping. In addition to the limitations of displaying "products" on computer web pages and App information flow mentioned above, major platforms must make every "recommended" product a favorite product of consumers, resulting in a certain concentration of e-commerce consumption. change.

A new look for the Year of the Tiger, the first chapter of the new year, I wish you all 666 in the new year! In 2022, 5 series of articles will be used to explain the principles and basic functions of the digital renminbi. Before learning about the dual offline payment of digital renminbi, let's once again popularize what a digital renminbi wallet is. Digital RMB wallets are divided into software and hardware wallets. Software wallets are the previously experienced "digital RMB" wallets, mainly in the form of mobile apps; hardware wallets refer to wallets based on "chips", such as smart cards and mobile eSE. Wait. In fact, the offline payment function is not new. Wechat and Alipay have already implemented it, which enables us to realize the "enjoy first, pay later" function in some scenarios. This offline payment payer can be offline, while the payee must be online. The principle of implementation is to transfer the offline payment information to the platform server for verification and then complete the transaction, which is essentially a single offline payment. So, how is the "dual offline payment" of digital renminbi realized? What application scenarios and security issues are there? First, the realization principle 1. Ordinary dual offline payment Ordinary dual offline payment, that is, in the scenario where both the payer and the payer are offline, the billing is performed first, and the deduction is completed when the security verification can be done. For the payment business, it completes the closed-loop transaction process through the extension of payment after the transaction is completed, and the core is a technical solution to achieve rapid verification and payment. 2. Digital RMB dual offline Phone Number List payment The dual offline payment of digital RMB is realized by NFC technology, which requires the devices of both parties to have a hardware wallet function with a built-in security chip. The most typical one is the touch function of digital RMB, which mainly meets the special requirements of basements, parking lots, mountainous areas and even geographical disasters. Payment needs in the environment. NFC is a short-range high-frequency wireless communication technology with a transmission distance of less than 10 cm. It adopts point-to-point communication and does not require third-party equipment to transfer signals. NFC mobile phones support chip hardware encryption and software encryption, and can complete point-to-point encrypted communication in less than 0.1 seconds, ensuring payment security.