![Analysis of third-party payment models第三方支付模式分析_第1頁](http://file4.renrendoc.com/view/81f48bdd9f286615032a84e1c60843cb/81f48bdd9f286615032a84e1c60843cb1.gif)
![Analysis of third-party payment models第三方支付模式分析_第2頁](http://file4.renrendoc.com/view/81f48bdd9f286615032a84e1c60843cb/81f48bdd9f286615032a84e1c60843cb2.gif)
![Analysis of third-party payment models第三方支付模式分析_第3頁](http://file4.renrendoc.com/view/81f48bdd9f286615032a84e1c60843cb/81f48bdd9f286615032a84e1c60843cb3.gif)
![Analysis of third-party payment models第三方支付模式分析_第4頁](http://file4.renrendoc.com/view/81f48bdd9f286615032a84e1c60843cb/81f48bdd9f286615032a84e1c60843cb4.gif)
![Analysis of third-party payment models第三方支付模式分析_第5頁](http://file4.renrendoc.com/view/81f48bdd9f286615032a84e1c60843cb/81f48bdd9f286615032a84e1c60843cb5.gif)
版權說明:本文檔由用戶提供并上傳,收益歸屬內容提供方,若內容存在侵權,請進行舉報或認領
文檔簡介
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
溫馨提示
- 1. 本站所有資源如無特殊說明,都需要本地電腦安裝OFFICE2007和PDF閱讀器。圖紙軟件為CAD,CAXA,PROE,UG,SolidWorks等.壓縮文件請下載最新的WinRAR軟件解壓。
- 2. 本站的文檔不包含任何第三方提供的附件圖紙等,如果需要附件,請聯(lián)系上傳者。文件的所有權益歸上傳用戶所有。
- 3. 本站RAR壓縮包中若帶圖紙,網頁內容里面會有圖紙預覽,若沒有圖紙預覽就沒有圖紙。
- 4. 未經權益所有人同意不得將文件中的內容挪作商業(yè)或盈利用途。
- 5. 人人文庫網僅提供信息存儲空間,僅對用戶上傳內容的表現(xiàn)方式做保護處理,對用戶上傳分享的文檔內容本身不做任何修改或編輯,并不能對任何下載內容負責。
- 6. 下載文件中如有侵權或不適當內容,請與我們聯(lián)系,我們立即糾正。
- 7. 本站不保證下載資源的準確性、安全性和完整性, 同時也不承擔用戶因使用這些下載資源對自己和他人造成任何形式的傷害或損失。
最新文檔
- 2025年點火線圈項目申請報告模范
- 2025年建筑行業(yè)策劃策略與綠色施工協(xié)議書
- 2025年子女監(jiān)護權策劃補充協(xié)議的法律效力分析
- 2025年醫(yī)療器械供應與醫(yī)療服務合作框架協(xié)議
- 2025年先進汽車修理設施租賃合同
- 2025年停車場地承包經營協(xié)議范本
- 2025年勞動者家庭醫(yī)療保健策劃與子女援助協(xié)議
- 2025年爭斗賠償和解協(xié)議格式
- 2025年合作導師協(xié)議范本
- 2025年農業(yè)發(fā)展公司技術咨詢服務合同范本
- 質量管理與產品質量保障措施
- 全國自然教育中長期發(fā)展規(guī)劃
- 第四章-國防動員
- 露天電影方案
- 2024年山東力明科技職業(yè)學院高職單招(英語/數(shù)學/語文)筆試歷年參考題庫含答案解析
- 裝配式預制混凝土框架結構抗震性能研究
- 2024年長沙市房地產市場分析報告
- 造影劑對比劑外滲預防與處理課件
- 海爾集團周云杰發(fā)表主題為《無界生態(tài) 無限可能》戰(zhàn)略報告
- 機修崗位述職個人述職報告
- 光伏發(fā)電項目 投標方案(技術方案)
評論
0/150
提交評論