The central bank official paraphrase: that some countries and products and where foreign banks signed a contract and have a certain strength and to protect the credibility of an independent third party to provide trading support platform. In the transaction through a third party payment platform, the buyer after the purchase of goods, use of third-party platform accounts provided by the purchase price paid by a third party to reach notify the seller payment, be shipped; the buyer inspection items, you can notify the payment to the seller , and then transfer the funds third-party sellers account.
(A) Extension Description
Third-party payment services are an Internet payment is also an important part of modern financial payments market. The traditional third-party online payment service is a funds transfer service provided by an intermediary company, the specific service process for buyers and sellers to reach agreement in the online commodity trading, the buyer uses the account provided by a third-party intermediary payment is the first payment being made tripartite intermediary custody until the third party notify the seller and the buyer shipment inspection of goods is correct, the buyer will notify the third-party intermediaries to make payments, money transfers by third-party intermediary seller's account to the account, the entire transaction is completed; if the buyer has received the goods for various reasons and the goods are not satisfied, you can notify a third party intermediary stop payment, the transaction is interrupted.
With the continuous expansion of the industry and deepening, in the provision of traditional online payment services on the emerging third-party payment service payment as follows gradually penetrated into mobile payments, prepaid cards issued and accepted, POS acquiring lines and other areas, and more aspects enrich people's pay channels.
Therefore, third-party payment service can be described as a credit intermediary service a paid hosting behavior, its essence is through the establishment of a functioning intermediate transition between buyers and sellers in the account, the remittance of funds to achieve controllable pause. This form of third-party intermediaries, and the first shipment after the payment process design, breaking the bottleneck of online payment services development: the settlement of e-commerce micro-payment due to the bank card payment transfer inconsistencies caused inconvenience to the problem, it also greatly reduces the risk of fraud due to information asymmetry resulting from Internet transactions, to fully protect the legitimate rights and interests of consumers, and promote the healthy development of the payment industry.
(B) the third party payment companies
English-linked pay is "All in Pay", which is a ratio CUP English "UnionPay" more profound meaning of the brand. Most people founded the China UnionPay, called Wan Jianhua first venture. But Wan Jianhua said: "The life of entrepreneurs, not static, but dynamic, constantly changing, constantly combination of different views and feelings entrepreneurial career career, it is not the height, but the entrepreneurial process colorful. experience and a sense of satisfaction. "
That year, Wan Jianhua took CUP strong executive team and a large number belong to the same acquirer CUP business backbone of the team at the line, Wan Jianhua Communications to join the second business plan and a better vision of the future "Communications dream." This memory, many left over from old silver merchant eyes still fresh in our memory.
According to the central bank in 2010 issued a "non-financial institution payment service management approach", third party payment companies are classified as non-bank financial services or provide funds transfer services intermediary payment institutions. According to summarize Li Yulin (2009) on the concept of third party payment companies, third party payment companies refers to independent buyers and sellers, to be secured by its own credibility, provide payment and settlement system interface with the bank and channel services, in order to achieve funds transfer and payment and settlement services agency. Therefore, third party payment companies should be able to make continued commitment to sustainable development of enterprises, to promote the user to meet the growing demand of payment. First, third-party payment companies need to negotiate with different banks to provide a range of application program interfaces, multiple types of bank cards onto a single payment platform, to provide users with a variety of payment channels, consumer help by reducing the net purchase costs and help businesses reduce operating costs and help save the bank develop a gateway machine maintenance costs, making online shopping faster and more convenient; second, when the number of users to achieve a relatively stable period, third-party payment companies should start working to expand the scope of business , focusing on the development of online and offline services, as well as with more large-scale e-commerce site, or other electronic industry due to the need to deepen the degree of third-party payment services business cooperation, providing a wide range of payment and settlement and transfer of funds to maximize the service.
Need advice or cooperation party payment channels can contact me
Consulting payment channel: QQ2119017259; phone VX: 13360876492
First, we must pay close attention to the dynamic-makers, promoters of digital currency research will also be digital currency issuer. And also the payment and settlement business rules-makers and regulators, builders pay settlement infrastructure. Accordingly, commercial banks need to advance in the research and practice-oriented block chain, pay close attention to the guidelines in respect of the block chain, digital payment and settlement currency and other basic engineering, system construction, such as the progress of the experiment, the need for timely follow-up, in order to ensure the right direction, actively and steadily promote innovation and application of the block chain.
Secondly, develop and implement their own roadmaps. Application block chain technology, commercial bank payment and settlement systems, tools and services, systems and standards, management systems and so on will be comprehensive and profound changes, each commercial bank planning, market positioning, customers, products and services, systems, management system, business fundamentals are all different, therefore, need to develop their own implementation of the road map. Define their goals payment settlement block chain applications, implementation strategies, and promote measures and arrangements resources, and actively implement.
Then, the inlet accurate selection. First, accurate opted block chain alliance, the current global context, notably financial technology block chain alliance R3, Hgperledger and Ethernet Linux operating Union Square (EEA), domestic financial block chain alliance (Golden League) , China's distributed protocol Alliance (Chinaledger), the Ministry of Industry block chain led coalition. Various Union rules are not the same, therefore, commercial banks need to opt for their own league. The second is to choose the right business application innovation, the principle of the easier issues first, we can start from the electronics, and gradually expand to cash management, cross-border transactions, trade finance and other products.
Need advice or cooperation party payment channels can contact me
Consulting payment channel: QQ2119017259; phone VX: 13360876492
Third-party payment industry is a collection of third-party payment service payment companies, China's third-party payment industry or to third-party online payment market as its core business. but. With the continuous expansion of their business territory, the mobile payment market, POS payment channels to pay for other markets will gradually penetrate into the third-party payment industry. Throughout the years the development of third-party payment industry, from the initial attack e-commerce service life, but now more than e-commerce, education, finance, public utilities, aviation and other comprehensive, third-party payment industry has become China's Internet economy indispensable support force. CCID Consulting published in 2011, "third-party payment industry development strategy in China" was mentioned the importance of third-party payment industry, that the third-party payment industry not only in banking services to make up for gaps, to enhance the efficiency of financial transactions and other aspects of outstanding performance . While the sound plays an important role in the modern financial system, improve the modern financial functions, is an important part of modern finance enrich the connotation.
Popular paraphrase: it refers to the bank (usually banks) signed a contract and have a certain strength and to protect the credibility of an independent third party (the company) to provide trading support platform for buyers and sellers of funds "platform in the middle of the trading process "it is to protect the interests of both independent institutional trading in banking supervision. In the transaction through a third party payment platform, the buyer after the purchase of goods, use of third-party platform accounts provided by the purchase price paid by a third party to reach notify the seller payment, be shipped; the buyer inspection items, notify the payment to the seller, the first tripartite seller account and then transfer the funds. It is a credit intermediary and paid hosting service behavior, the remittance of funds to achieve controllable pause. This form of third-party intermediaries and the first shipment after the payment process, breaking the bottleneck of online payment services development: not only solve the problem of e-commerce inconvenience micro-payment due to the inconsistency caused by bank card payment transfer, but also reduce the due to information asymmetry caused by Internet trading fraud risks, protect the legitimate rights and interests of consumers, and promote the healthy development of the payment industry!