ABSTRACT
With the continuous upgrading of intelligent facilities, a new online transaction
method based on the traditional transaction, third-party payment, has emerged. The
third-party payment has won the support of the general audience because of its safety,
convenience and simplicity. This text concentrates on discussing the status quo and
current problems of third-party payment, and takes domestic alipay (China) network
technology co., LTD. (referred to as alipay) as an example. As the largest numer of
domestic uesers choose and use the third-party payment platform,alipay is
comparative represantative.
This paper around the pay treasure to the existing problems, due to the
third-party payment pay relevant protection measures, the lack of laws and regulations,
lead to the problem of payment platform continuously emerging, exists the security
problem of user info, market competition is intensifies，involved laws and regulations
is faultiness, the risk of settling funds, need to enhance safety engineering, enhacne
message protection, and unceasing payment platform, complete laws and regulations,
enhacne the management of funds. My wish is put forward some reasonable prpposals
and experience for the competitive development of alipay.
This paper is a thematic analysis using literature research. The paper is divided
into five parts: The first part discusses the background conditions of the third party
payment, The second part discusses a simple explanation of the third party payment
and Alipay, and analyzes the current status of the third party payment industry, the
third part analyzes the current problems of alipay, the fourth part, according to the
existing problems put forward solutions. Finally, the third-party payment is
summarized.
The main innovation of this paper is to summarize and analyze the status quo of
third-party payment by combining the latest and real data. I hope to make Suggestions
on the obstacles encountered in the way of third-party payment, so as to have a better
understanding of the development of third-party payment.
Key words: Thirdparty payment Alipay Current situation Development
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