Research on the Online Payment Mode

Our existing online payment system bottleneck due to interbank payment, payment gateway, information interface standards, transaction processing and security certification process independently, as well as cash in transit, tax evasion, money laundering and credit crisis and other problems, can not effectively integrate use of our modern banking system payment and settlement system resources and abundant customer resources, can not meet the growing demand for the joint development of e-commerce, it is difficult for e-commerce users and relevant regulatory agencies to provide personalized services. Online payment restricting our e-commerce is becoming a bottleneck for sustained and healthy development. This paper puts forward the e-commerce, especially B2B, B2C e-commerce the main reason is the lack of suitable struggling online payment mode. And build a leading on-line payment model, called the Union of silver-based online payment mode. The main contents focus on the following parts: First, regarding the online payment modes related theoretical studies. Studied the basic concepts of online payment, online payment industry value chain of the structure and business model, e-business models and other related theories, presented a study of the basic elements of online payment mode. Second, with regard to our existing business model of online payment. Our existing online payment mode there are three: online banking payment gateway mode, third-party payment platform model and a unified payment gateway mode. Mainly from the online payment mode factor model, the analysis of the three kinds of online payment mode processes, customer value, target customers and markets, sources of income (profit mode) as well as in the industrial value chain position. Finally, the problems of the three modes of the system analysis. Third, the leading on-line payment Mode of study. Online payment mode exists for the current limitations, proposed to construct a leading on-line payment mode - Union Bank of on-line payment mode. UCB built the basic structure of on-line payment model and the model to solve the problems were analyzed. Fourthly, on-line payment mode UCB implementation research. Union Bank online payment mode Type the biggest advantage is the ability to provide cross-bank online payment services. For the domestic e-commerce transactions, interbank payment clearing with the aid of the People's Bank modern payment system to complete the liquidation of the transmission of information and the realization of the process of liquidation, silver-based online payment achieve couplet interbank payment mechanism was analyzed and implementation studies. Innovation of this paper is mainly reflected in the following aspects: (1) research online payment business models put forward the basic elements. (2) the theory of the business model into the existing online payment model studies. (3) Construction of a new online payment mode - Union Bank of on-line payment mode.