Research On Value-added Services Of Third-party Payment Based On Flow Innovation

Chinese third-party payment market is growing rapidly. Competition is more intense with the awakening of the industry chain and massive resource-based enterprises to enter the market. Differentiated development is an inevitable choice for the industry. Demand-driven value-added services will be the focus of the industry differentiated development Through literature studies, case studies, comparative analysis and other research methods, the paper discusses third-party payment of value-added services, mainly from user needs and flow innovation perspective. Paper lays the theoretical foundation for the full text through domestic and international literature study; On summary study of the development flow of the third party payment industry, paper makes a comprehensive analysis of the financial needs of value-added services, marketing, financial management and credit; Basic processes of third-party payment are studies comprehensively, and innovation strategy are proposed; Conduct empirical research on the innovation of flow. The main innovations of this paper are:Third-party payment of value-added services are researched firstly from the perspective of the flow innovation for; Flow innovation strategies are proposed, such as the extension of the payment process, the integration of information flow and capital flow, the integration of online and offline processes, etc.; In empirical studies, supply chain finance and preferential platform’s framework of flow innovation are designed.