Research On The Design And Implementation Of Commercial Mode Of Third Party Payment Company

With alipay and WeChat during the Spring Festival of 2015 red envelopes war, third-party payment across great river north and south, at the same time offline third-party payment company prepaid card business is also developing rapidly, but far less than the network on the study of prepaid card payment company research hot.YS company is an established offline third-party payment company, holding the payment business license of the People’s Republic of China, can carry out online payment and prepaid card issuance and accepted by the business. In the early stage of the development process, YS company achieved good operating performance, but with unionpay to reduce credit card fee rate, and the people’s bank of China issued\ "pay for institutional clients cover save tube method\" and \ "eight\" forbidden unit purchase, YS company original business model, which has been hit.In this paper, by analyzing the YS company itself and external environment opportunities challenges, the advantages and disadvantages in the YS company should expand the business scope is put forward, with the signing of platform type merchants joint card, provide financial hosting service for small and medium-sized businesses, take advantage of data for large data business, try to dabble in public services, such as innovative business models to improve company management. In the concrete implementation process, as would be able to implement a new business model, YS company needs to strengthen industrial chain control, strengthen cooperation with the bank, optimize personnel structure, change the pay prepared to the early stage of the corresponding evaluation system, etc.Finally, in this paper, the offline some prospect for the future of the third-party payment industry, put forward the innovation from birth day is woven into the blood of the third-party payment enterprises, regardless of whether they are online or offline third-party payment enterprises can through business model innovation to expand their business scope, improving the efficiency of the society. The next stage,the opportunity to pay the company a toehold producers(B2B) market, online third-party payment company’s business will be in a fusion, big data such as cloud computing will have the third party payment, third-party payment has greatly changed people’s life.