Research On The Third Party Payment Mode Based On Mobile Platform

The third party payment is a kind of electronic commerce credit guarantee network payment, in recent years, a large number of innovations appearing, including Alipay, PayPal, WeChat and Apple Pay followed. After the popularity of smart phones, other mobile devices and the using of large number of mobile platform has spawned more mobile platform combined with the third party payment of consumption scenarios. In these scenarios, the objective conditions of third-party applications (business coverage, payment solutions, etc.) and the user’s subjective intention to choice what kind of payment will have important effects on the final deal.In this paper, taking C company’s financial payment as case study, elaborated domestic and foreign mobile third party payment research and development status, development model. The analysis platform of Hadoop based distributed system and massive data set is constructed, and the user’s payment behavior data has collected through technical means. The user click on the payment behavior data for quantitative analysis and customer acceptance of mobile location based services model,make consumers pay for the key factors of decision assumptions. According to the user interview data, create the user model and collected data on user behavior and orders; find similar characteristics of the user’s payment methods related. According to the analysis of the optimal combination’s payment mode, and the user’s payment behavior, make the payment method guidance and recommendation. And compare the rules before and after use, the enterprise income resulting from the user payment time and the way of payment migration. Finally come to the conclusion:Through the payment mode optimization, to guide the user payment, financial payment industry bring significant revenue enhancement and cost reduction. Summed up the three key elements of mobile third party payment:trust, customer value, the degree of coverage..Finally, summarize user base, business coverage online travel stop service platform to support the channel coverage, payment mode technology to guide recommendation generation optimized, resulting in a better user experience and business benefits both in practical applications. For the development of the company’s mobile third party payment business development and consumer finance to find a better breakthrough point, to complete the construction of the payment closed loop.The research of this paper provides a reference for the development of financial payment services in the same industry.