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时代变迁,科学技术推动着人们的生活发展,借助于互联网技术,电子商务正不断的取代着传统交易方式,成为了新时代的交易方式。在此背景下,为了促进电子商务的发展,为网络交易提供便利服务,第三方支付应运而生,着力于目前各种网络交易所面对的安全与信用问题。第三方支付平台作为消费者与商家之间、交易者与银行之间的中介平台,解决了消费者与商家直接的互不信任的问题,但在此新兴行业蓬勃发展的同时,也面临着相当的风险。
As the times change and science and technology promote people’s life and development, with the help of internet technology, e-commerce is constantly replacing the traditional trading methods and becoming the trading mode in the new era. Against this background, in order to promote the development of e-commerce and provide convenient services for online transactions, third-party payment has emerged, focusing on the security and credit issues facing various online exchanges. The third-party payment platform, as an intermediary platform between consumers and merchants, traders and banks, solves the direct mutual distrust problem between consumers and merchants. However, while this emerging industry is thriving, it also faces considerable challenges risks of.