Under The New Payment Structure Of Bank Card Merchants Accept Single Business Development Trend

Since2003,"credit card" of the first year of card up to now, China’s credit card business has entered a high-speed development period, the rapid growth of the credit card with credit card from flying off. The vigorous development of the credit card industry is indispensable to merchants accept payment single business system of rapidly establishing and perfecting, merchants accept single cover industries is more and more wide, innovative means of payment with each passing day, emerge in endlessly. Bank card merchants accept participation main body market pattern of the single market also from financial institutions, unionpay business primarily, sharp increase in the250third parties to get the bank to pay licence, formed a new pattern of the payment, and the market competition. Commercial Banks, unionpay and the third-party payment mechanism to form the situation of the three pillars of the m arket also changed from close cooperation to competition and cooperation relationship. This thesis choose under the new payment structure of bank card merchants accept single business development trend, and the current domestic credit card business transformation has good each other. Main job:1. The bank card in domestic and foreign merchants to accept single business development and present situation were analyzed, and the merchants accept single business in the field of payment and settlement of national economic development, social informatization, the good faith system construction, increased taxation, support the role of the anti-money laundering, etc.2. Analysis of commonly used data mining methods, learning and research for the development of data mining, the main steps, the main technology has carried on the thorough understanding; Credit card business and on single business for the integrated management, the application of the empirical analysis, the analysis with the method of multiple regression analysis the important factors influencing the preferential merchant promotions, focusing on preferential merchant activity participation application processing modeling analysis, find information accurately the best channel, creatively and put forward the "preferential information+mobile payment and mobile precision push client" concept, to establish the function of merchants value-added service platform for mobile client application model.3. Facing the incentive market competition, the traditional offline businesses is still the top priority of the single market, need to do mass produce benefits. To accept single merchant industry market segmentation study, put forward the choice of target customers. To bring higher yields of installment merchants, wild card charge merchants, financial IC card industry applications from different market positioning, the cardholder spending behavior preference and marketing strategy layout and so on has carried on the comprehensive analysis, and put forward the development strategy.4. Online merchants accept single business to promote the development of the current market pattern has greatly changed, the Internet and mobile payment, etc. The continuous application of technical innovation in the field of payment, greatly, and so did the Chinese mass consumption, the revolutionary transformation of payment habits. In this paper, the emerging Internet financial business model, the rise of the third party payment, pay for the application of innovation, and bank CARDS to receive single market competition and development trend of various main has carried on the analysis of different angles, and put forward development strategy.5. Using the method of theory with practice, put forward the current domestic commercial Banks to build businesses into single business core competitiveness, core advantages must be combined with a new payment technology, increase of the expansion of Internet and mobile payment business, and establish a\"face to face\" payment platform, rapidly expanding near field pay, response to the financial disintermediation, prospective Suggestions to speed up the comprehensive business transformation.