随着网络信息的快速发展,通信技术和支付服务的分工细化,越来越多的互联网公司、非金融机构在手机和其他信息技术的帮助下,广泛参与支付服务,第三方支付已经成为国内支付系统的主要力量。第三方支付为参与交易的双方提供中介平台,一定程度上维护了交易公平,降低了交易成本,减少了交易风险,并且促进了我国经济的发展。在第三方支付中,阿里巴巴的支付宝是绝对的主力,占据了第三方支付市场份额的一半以上。总结其原因,除了本身生成所需要的互联网技术,最主要的还是通过服务营销策略,支付宝通过服务营销创新策略来满足消费者和潜在消费者的需求,既确保了服务质量,又满足了用户简单、安全、快速的新型付款体验。但是,服务营销也是一把双刃剑,给消费者和公司带来便利的同时也在安全性等方面有许多隐患,如何快速发展的同时有效规避这些弊端,也是目前需迫切解决的问题。 With the rapid development of network information, the division of labor between communication technologies and payment services has been refined. More and more Internet companies and non-financial institutions have been involved in payment services with the help of mobile phones and other information technologies. Third-party payment has become a Pay the main power of the system. The third-party payment provides an intermediary platform for both parties participating in the transaction, to some extent, to maintain the fairness of the transaction, reduce the transaction costs, reduce the transaction risk and promote the economic development of our country. In the third-party payment, Alipay Alipay is the absolute main, accounting for more than half of third-party payment market share. To sum up the reasons, in addition to the Internet technology required to generate their own, the most important thing is through service marketing strategy, Alipay service marketing innovation strategy to meet the needs of consumers and potential consumers, to ensure that the quality of service, but also to meet the simple user , Safe, fast new payment experience. However, service marketing is also a double-edged sword, which brings many hidden dangers to consumers and companies as well as safety. It is also an urgent problem that how to rapidly evolve while avoiding these shortcomings.