Which is how well third-party payment interface option
Which is how well third-party payment interface option, small series with you today to learn more about payment channel to consult: QQ2119017259; phone VX: 13360876492
With the development of wireless communication networks, especially the rapidly growing popularity of Apple's iPhone and Google Android smart phones, the development of mobile payment was promoted. According to research firm IDC, by 2017 the global mobile payment amount will exceed $ 1 trillion. Strong data means that the global mobile payment services will continue to enhance the next few years.
Mobile payment is divided into near-field payment and remote payment. The so-called near-field payment is to use the phone card to buy a car ,, third party payment interface that is very easy. Remote payment means of payment (such as sending money through the mail,) by sending payment instructions (such as online banking, telephone banking, mobile payments, etc.) or by payment instruments. Samsung mobile payment services to support near-field communications technology, and the use of the company's acquisition of Samsung's pay offer to pay start-up companies LoopPay "magnetic secure transmission", allows the user to simply hold the phone to pay any magnetic card reader. Apple Pay and other mobile payment services to be bound by short-range communication technology.
1 analysis of domestic online banking payment. China's Internet banking business has developed rapidly. However, the bank's internal control mechanism is weak, weak technological base, the social credit system is not perfect. At the same time, with the further opening up the financial sector, the widespread use of modern technology and management tools such as online banking. Competition in China's financial industry will become more intense. Third-party payment interface.
Analysis of domestic third-party payment. Third-party platforms settlement payment service provider is China the largest number of payment. Chinese name of the third party payment platform CUP include business, Alipay, quick money, Alipay, Kara and so on. In this mode, the payer must pay an intermediary to open an account in a third-party, third-party credit card payment intermediary. In the account "revaluation" of information or account information, payment platform and by transferring funds to the accounts of fictitious payee's account to complete the payment behavior. The recipient can when needed funds in the account will be converted into physical bank deposits.
Analysis of domestic mobile payment. The rise of Chinese mobile payment relatively late, technology is relatively backward, relatively few applications. Third-party payment platform in 2013, China developed a national mobile payment standard, and on May 1, 2014 to start the application. In the process of formulation of national standards, the third-party payment interface is very easy to use, mobile payment standard 4GHz technical standards has been led by China Mobile.
It can be seen third-party payment has significant features:
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First, third-party payment platform offers a range of application program interfaces to integrate a variety of bank card payments into one interface, responsible for docking with the settlement of transactions in the bank to make online shopping faster and more convenient. Consumers and businesses do not need to open different accounts in different banks, can help consumers reduce the cost of online shopping, help businesses reduce operating costs; at the same time, the gateway can also help banks to save development costs, and bring some potential for banks profit.
Second, compared with SSL, SET and other payment agreement, payment operation more simple and easy to accept the use of third-party payment platform. SSL is a security protocol used widely in SSL only need to verify the identity of the business. SET protocol is based on the development of the credit card payment system is relatively mature technology. But in the SET, the identity of the parties need to be authenticated by the CA, complicated procedures, many procedures, slow and high costs. With negotiations between the third-party payment platform, merchants and customers is done by a third party to make online transactions easier.
Third, the third-party payment platform itself dependent on large-scale portal, and to cooperate with the bank's credit as a credit-based, third-party payment platform therefore better able to break through the credit problems online transactions, will help promote e-commerce Rapid development.
In the platform through a third party transaction, the buyer after the purchase of goods, using the account provided by third-party platform to pay the purchase price, the seller is notified by the other party payment arrives, be shipped; the buyer inspection items, you can notify the payment to the seller. Emergence of third-party payment platform, in theory, the complete elimination of fraud in electronic transactions, which is determined by its following features.