Research On Sharing Economy Payment Model Based On Aggregate Pay

Sharing Economy of China has developed rapidly since 2016 and a serious of successful business modes are derived which setting Airbnb and Uber's useful experiences,such as Didi and Mobike.The development of sharing economy has a close relationship with pay by mobile technology.Nowadays,QR code has a large propotion as a mobile payment solution in our country with its own problems of user experience and payment security,which preventing the progress of innovation of sharing economy.How to upgrade the payment mode to improving the payment experience of sharing platform is the main problem we faced.It is significant to discuss the payment of sharing economy.The paper sets payment as the research object to study,sets aggregate payment as the payment methods and sets payment tokenization as security assurance under the sharing economy environment and takes shared parking space as a practical example.We have designed completed payment progress from architecture of payment mode to the design of transection progress and payment protocol then to verification of the payment.The study of this paper as follows:Firstly,the paper studied the payment progresses of two payment mode combined nowad ays payment environment and analyzed the shortage.It also designed the SEPS(Sharing econ omy payment system)model to meet demands in payment option,information security,paym ent gateway,which introducing the model's architecture and the progresses of information ver ifying,online payment and refund to implement the identity confirmation and payment functi on of the shared parking.Besides,the paper designed Tokenization protocol,online payment protocol and refund protocol based on the progress model presented.It stated the demands and assumptions and d escribed whole progresss in the form of accepting and responding message from model.After that,we analyzed and summarized the protocols' key performance.Lastly,with CPN(colored petri net)theory as a basis,simulation and modeling for desig ned protocols mentioned above were carried out by CPNTools and produced SS(state-space r eport)to verify the protocols' feasibility and accessibility.We analyzed the report and found t hat the model didn't exist dead transition instances,live transition instances and undesired dea d markings and proved that the model was right and the progresses were accessible.