当前,科技手段与支付应用深度融合,促进支付产品创新及普及推广。支付机构以新技术应用、深化金融服务为切入点,打造“互联网+”支付服务生态圈,提供全面的便民、惠民支付服务。但同时,由于业务模式、信息载体、交易渠道和身份认证方式等方面的变化,网络支付业务面临新的风险和挑战,并呈现出一定程度的复杂性。 At present, the deep integration of technology means and payment application promotes payment product innovation and popularization and promotion. Payment institutions to new technology applications, deepen financial services as the starting point, to create “Internet + ” payment service ecosystem, providing a full range of convenient, Huimin payment services. However, at the same time, due to the changes in business models, information carriers, transaction channels and identity authentication methods, online payment businesses are facing new risks and challenges with some degree of complexity.