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1、Online Banking and E-payment Third party payment 1.The concept of third party payment2.The process of third party payment3.The mode of third party payment4.The existing problems and countermeasures of third party payment5.Mobile third party paymentThird-party payment:in the process of e-commerce tra
2、nsactions,the third-party payment institutions are independent of both trading parties and the banks.This payment model integrates the bank payment settlement system interface or other service channels to provide payment,settlement and transaction supervision services for all parties.Features:credit
3、 guarantee;integrated payment;personalization1.The concept of third party payment2.The process of third party paymentCustomerMerchantMerchant bankCustomer bank(1)Order confirmation(7)Payment(6)Payment notificationThird party payment platform(3)Payment(4)Payment has been paid(5)Delivery(2)Payment aut
4、horization(1)Order confirmation(7)Payment(6)Payment notification(3)Payment(4)Payment has been paid(5)Delivery(2)Payment authorization 3.The payment mode of the third party paymentTypesCompany namePlatform nameVirtual account payment modelA Co.,LtdAlipayTencent companyTenpayExpress money payment clea
5、ring information Co.,LtdQuick moneyIndustry payment modelChinaPnR Co.,LtdChinaPnRYeePay Co.,LtdYeePayUnionPay e-payment modeUnionpay Merchant Service(UMS)Co.,LtdUnionPay Onlinel Risks caused by improper management of precipitated fundsp Funds in transit and temporary deposited funds on third-party p
6、ayment platformsl Third party payment impacts on the anti-money laundering systemp Increase the concealment and anonymity of money launderinglUser information security is worthy of attention pThird party payment platform retains users key information4.The existing problems and countermeasures of thi
7、rd party paymentUsersThird party paymentAlipayTenpayQuick moneyBaoFuNets Union Clearing Corporation(NUCC)ICBCABCCCBBOCCentral BankSupervisionSupervision4.The existing problems and countermeasures of third party paymentAlipays payment and wealth management activities include online shopping guarantee
8、 transactions,online payment,transfers,credit card repayments,mobile phone bill payment,utility bill payment,personal financial management and other fields.5.Mobile third party payment(1)Alipayl WeChat payment:With payment function integrated in WeChat,users may pay quickly with their cellphones.l W
9、eChat payment(including QQ payment):a front-end channell Tenpay:The back-end business is through Tenpay(2)Wechat payment 5.Mobile third party payment(3)The difference between WeChat payment and Alipay paymentObjectProjectWeChat payment Alipay paymentBackgroundWeChat red envelopesfor social useProduced in the field of paymentPositioningWalletWallet+deposits+financingProductSocial advantages,payment scenariosPowerful payment functionUserYoung peopleRegular customers,businessmen5.Mobile third party paymentOnline Banking and E-payment Third party payment