票证退场，云端登场： 四十年缴费服务里的民生跃迁

Core Insights - The article highlights the transformation of payment methods in China over the past 40 years, illustrating a shift from a passive to an active approach in public service, driven by technological advancements and digitalization [1] Group 1: Evolution of Payment Methods - The initial phase of payment methods relied heavily on offline points, with cash transactions being the norm, leading to long queues and inconvenience for users [2] - The rise of the internet in the early 2000s facilitated the transition to online payment methods, with banks and payment operators expanding their services to digital platforms [2][3] - The introduction of platforms like Everbright Bank's cloud payment service in 2014 marked a significant shift towards an open ecosystem, integrating various payment channels and services [3] Group 2: Technological Empowerment - Everbright's cloud payment service utilizes advanced technologies such as distributed architecture, cloud computing, and artificial intelligence to enhance service efficiency and responsiveness [4] - The system supports a high transaction volume, processing over 2.9 billion transactions daily with a response time of under 100 milliseconds, ensuring stability and reliability [4] Group 3: Inclusive Service Development - The service has developed a multi-tiered system to cater to diverse user needs, including initiatives like a bilingual payment app for minority communities in Qinghai Province [5] - Efforts to educate rural populations on digital payment methods are being implemented to foster usage and accessibility [5] Group 4: Sector-Specific Applications - In education, the service has streamlined tuition payment processes for colleges, while in tourism, it has enhanced ticketing services for parks [6] - The platform also supports government services and small businesses by providing online payment solutions, thus facilitating digital transformation [6] Group 5: Transition to Comprehensive Service Platform - Everbright's cloud payment service is evolving from a simple payment tool to a comprehensive service platform, enhancing user experience through features like payment reminders and promotional activities [7] - The platform plays a crucial role in equalizing public services between urban and rural areas, allowing all residents to access the same quality of payment services [7] Group 6: Future Outlook - The integration of 5G, IoT, and AI technologies is expected to further expand the service's capabilities, transitioning from convenient payments to a smarter lifestyle [8] - The core mission remains to empower all demographics through digital solutions, supporting inclusive growth and common prosperity [8]