A Study on Relationship between Third-party Payment and Cons(8)

2.1.2The Features of the third-party payment

In trading platform through a third party, the buyer after the choose and buy goods, using a third-party platform provides account for payment, the seller by the other party payment for goods arrive, for delivery; After the buyer's inspection items, can inform payment to the seller. The emergence of the third-party payment platform, in theory, completely put an end to the fraud of electronic trading; it is also decided by it of the following features:

(1) The third party payment platform, diverse and flexible payment means, users can use the Internet to pay, pay phone, mobile phone text messages in a variety of ways such as payment.

(2) The third party payment platform not only has the funds transfer function and can be restraint and supervision of both parties. For example: alipay can buyers money to draw people not only seller account, and if there is a trade dispute, such as not shipped after the seller received the buyer orders or buyers find reason to refuse payment after receipt of the goods, pay treasure will investigate the deal, and to deal with an offending side, basic can supervision and binding both parties.

(3) Is a third-party payment platform for network trade guarantee independent institutions? For example: taobao alipay, which is equivalent to an independent financial institutions, when buyers to purchase goods, money rather than directly to the seller's bank account to pay treasure to bank account first, when the buyers confirm receipt the goods and no problem will inform pay treasure to hit people inside account of the seller, the money, pay treasure to ensure the transaction smoothly in the process of trading.

2.1.3 The Risk of the third-party payment

1. The subject qualification and scope of business of third-party payment risk, engaged in the business between network operations and financial services, its legal status is unclear. Although most third-party payment is trying to establish him to provide users with network collection &payment intermediary status, but from all these third-party payment in the actual business operation, pay intermediary services