近几年,网络购物已成为大众消费的主流方式,随着网购的发展,第三方支付平台也如雨后春笋般发展起来。~①第三方支付是指通过非银行的第三方机构所经营的网上支付平台,在商家、消费者与银行之间建立相关连接,并提供交易资金代管、货币支付和资金结算等服务的一种新型担保支付模式。~②其运作实质是在收付款人之间设立中间 In recent years, online shopping has become the mainstream way of mass consumption. With the development of online shopping, third-party payment platforms have also mushroomed. ~ ① Third-party payment refers to the online payment platform operated by a non-bank third-party institution to establish a connection between a merchant, a consumer and a bank and provide services such as transaction fund custody, money payment and fund settlement New type of guaranteed payment. ~ ② The essence of its operation is to set up a middle between the payer and payer