Analysis of third-party payment models第三方支付模式分析

Analysisofthird-partypaymentmodelsPaperKeywords:e-commerceonlinepaymentthird-partypayment

Abstract:Asanewnetworkmeansoftransactionandcreditintermediarythird-partypaymentsforonlinepaymentsprovideaviablemeansofrealization.Thisarticledescribestheconceptofthird-partypayment,processesandcharacteristics,toexploreitscurrentprobleminourcountry.

Networkeconomyeramakese-commercetobecomethelatestmodelofcommoditytrading.Asanintermediarylinkofonlinepayment,e-commercetransactionprocessinbothpartiesmostconcernedabout.Ifthislinkdoesnotresolve,thenthetrulye-commercehasbecomeempty,thereisnobasisforthesmoothdevelopmentofe-commerce,makingefficientandconveniente-commerceadvantagesofgreatlyreduced,whilethethird-partytradingplatformissimplytosatisfythisrequirementshouldbetransportedandHealth.

1,third-partypaymentmodelsoverview

1,concepts.Third-partypaymentiswithacertainstrengthandcredibilityoftheprotectionofanindependentbody,withthewaycontractwiththemajorbankstoprovidepaymentandsettlementsysteminterfaceswiththebanktradingplatformforthenetworktosupportpaymentpatterns.Inthethird-partypaymentmodel,buyerspurchasegoods,usethethird-partypaymentplatformprovidesaccountspaidbyathirdpartytoinformthesellerthepurchasepriceDaoZhang,askthesender;thebuyerreceivedthegoods,andtestthegoodsafterconfirmation,youcannotifythethird-partypaymenttotheseller,third-partypaymentandthengotothesellersaccount.

2,third-partypaymentprocessing.Third-partypaymentprocessisasfollows:①theconsumere-commercewebsitebuygoods,thefinaldecisiontopurchase,buyersandsellersontheInternetdealintentions.②consumerstheoptionofusingthird-partypaymentplatform,astradingintermediaries,usingdebitcardorcreditcardwillbedesignatedtoathirdpartypaymentaccounts,andsetthedeliverytime.③third-partypaymentplatformtoinformbusinessesandconsumersthepurchasepricehasbeenDaozhangrequiremerchantsshippedwithinthespecifiedtime.④merchanttheconsumerhasalreadyreceivednoticeofpayment-to-ordershipments,andrecordedaccordinglyonthewebsite,consumerscanchecktheirwebsitetobuygoodsbythestate;ifthemerchantdoesnotship,thenthethird-partypaymentplatformwillnotifythecustomertransactionfails,andaskedisthemoneytransferredbacktotheiraccounts,ortemporarystorageinthepaymentplatform.⑤thatconsumersreceivethegoodsandconfirmedthesatisfactiontoinformathirdpartypaymentplatform.Iftheconsumerofgoodsarenotsatisfied,orthatthediscrepancywiththebusinesscommitments,maynotifythethirdpartypaymentplatformfornon-paymentofthepurchasepriceofgoodswillbereturnedtomerchants.⑥consumersatisfaction,third-partypaymentplatformwillbethepurchasepriceassignedtomerchantaccountsandcompletionofthetransaction;customerdissatisfactionwiththegoods,third-partymerchantpaymentplatformtoconfirmreceiptofreturn,afterthepaymentofgoodsbeingreturnedtoconsumersaccountsortemporarythird-partyaccountsConsumerswaitforthenexttransactioninthepayment.

3,features.Third-partypaymenthasthefollowingseveralcharacteristics:①canremovepeople’sconcernsaboutonlineshoppingandtransactions,sothatmoreandmorepeoplebelieveandusethenetwork’stransactionalcapabilities.②canprovidemorevalue-addedbusinessservicestohelpbusinessessolvereal-timetradingWebsiteinquiriesandtransactionsystemsanalysis,provideaconvenientandtimelyrefundsandstop-paymentservices,playanarbitrationrole,maintaincustomerandbusinessinterests.③third-partypaymentplatformoffersarangeofapplicationinterfaceprogramthatcanhelpbusinessesreduceoperationalcosts,helpthebankstosavethegatewaydevelopmentcosts.④third-partypaymentservicesystemwillhelptobreakthebarrierstobankcards.BecauseChina’sbankcardtopayonlinefortheirownways,eachbankhasitsownbankcards,bankcardshavetheseself-containedwiththesiteUnion,theintroductionofonlinepaymentservices,theobjective,causingconsumerstobefreetocompletethenetworkofshopping,HandTheremustbemorethanadozencards,whilemerchant’sWebsitemustalsobeequippedwithcertifiedsoftwareoneachbank,sothatitwillrestrictthedevelopmentofInternetpaymentservices,whilethethird-partypaymentservicesystemcansolvethisproblem.

Second,theproblemsfacedbythird-partypaymentof

1.Themarketcompetition.Thefirstpaymentofthecompetitionbetweenthecompaniesandthebankingrelationshipisreflectedinthecompetition.Cantheformationofthemajorcommercialbankstoworkcloselywiththepossibilityofnegotiationsandbankswillbetalkingaboutthelowestpricehasbecometheprimarymeansofpayingthecompanytocompete.Butthepaymentoftherelationshipbetweencompaniesandbanks,notonlycooperation.Whenthebanksdonotpassanythirdpartypaymentcompanies,andbusinessestoconnectdirectlywiththird-partypaymentcompanieswillfacestrongcompetitionfrombanks.Inadditiontobanks,iscurrentlyChina’sthird-partypaymentmarketalsofacescompetitionfromfourkindsofforces,namely,potentialcompetitors,substitutesmanufacturers,customers,existingindustrycompetitors.Theyaredriven

Actionofthefivebasicforcesofindustrycompetition.Thirdpartypaymentmarket,thefivecompetitiveforcesinthemarketgamecompetition,willjointlydeterminetheaveragelevelofprofitabilityoftheindustry,thiscombinationoffivekindsofpowerdivisionwillalsopaythethirdplatformforthedevelopmentofaprofoundimpact.R

2.Runtherisk.Third-partypaymentandsettlementpaymentandsettlementorganizationsbelongingtothenon-bankingfinancialbusiness,thecentralbankwillraisethethresholdintheformofalicense.Forexistingbusinesses,thefirstbatchoflicensesissuedtoholdalicenseifhecannotsucceed,itmaybeintegratedoracquisitions.Policyriskswillbecomethebiggestriskinthisindustryseriouslyaffectedthecapitalinvestmentinthisindustry,thereisnostrongsupportofcapitalinthissectoronitsownaccumulationandtheinitialinvestmentisverydifficulttodevelop.Nowcountriestoformulaterelevantlawsandregulationsinpreparationfortheregisteredcapital,margin,riskcapacitytomonitortheindustryisreadytotakebusinessqualificationslicensestoincreasethethreshold.Inaddition,third-partypaymentalsofaceotherproblems.Suchas:credibility,usersareconcernedaboutisthatthingsgetpaidforfake,oraccesstoservices,andproductnon-networkinitiallythoughtthetimeofpurchase;cognitiveproblems,networkeducation,notcomprehensiveenough,manypeoplehavenochancetocomeintocontactwithelectronicpayment;governmentregulatoryissues,theemergenceofthird-partypayment,topaytheproposedregulation,abrandnewtopic.

3,theconclusion

Thecurrentlowlevelofmarketconcentrationinthird-partypayment,thehomogenizationisextremelycompetitive,standardizedservices,itiswhatthemarketneeded,butmorebusinessesneedisacustomizedpaymentsolutions,innovationhasbecomethethird-partypaymentforsurvivalandthedevelopmentoftheinevitablechoice.Third-partypaymentinnovationismainlyreflectedintwoaspects:ontheonehandoneistheimprovementofelectronicpaymenttechnologies,ontheotherisanextensionoftheexpansionofvalue-addedservicesbusiness.Atpresent,forthethird-partypaymentco