在互联网金融竞争日趋激烈的当下,支付创新已成为各市场主体吸引客户、拓展业务的重要手段。支付作为最贴近人们日常生活的金融服务,可融入多个应用场景,“场景化”已成为支付创新的一个重要发展方向。近年来,以支付宝、微信支付等为代表的第三方支付大举进军线下市场,不但快速拓展了其移动支付业务,增加了客户黏性,同时也极大地丰富了支付的应用场 Nowadays, with the increasingly fierce competition in internet finance, payment innovation has become an important means for various market players to attract customers and expand their business. Payment As the financial service closest to the daily life of people, it can be integrated into multiple application scenarios. Scenetization has become an important development direction of payment innovation. In recent years, the third-party payment represented by Alipay and WeChat payment has been marching into the offline market. This has not only expanded its mobile payment business rapidly, increased customer stickiness, but also greatly enriched the payment application field