More and more people to pay through a third party as a day-to-day shopping, recharge, payment methods, etc., convenient, will be able to bring the issue to get homes. Although very convenient to pay a third party, but now the rate is not very high, many Internet users there are the psychological conflict, on the one hand, because this part of Internet users in the absence of access to the Internet first heard before the Trojan virus, so on the Internet The first instinct is unsafe, is not as good as face-to-face payment, so that more security. On the other hand is the network of silver and some of the processes set up to pay the company the trouble, the need to run the counter, are required to complete forms, such as a pile of trouble. These are caused by third-party payment when the development of new obstacles to the user.

The market for a new user, first of all, should be used to lower the threshold for the first time, and obstacles. To pay for the use of the Internet focuses on the threshold of security, third-party vendors should be paid to strengthen the security of user education; and mobile payment security, not only in the charging system for individual users also exist, such as the threshold, a more reasonable charges and mobile payment business model is the main challenge. Third-party vendors can pay for a joint business promotion, and pay for the first time, such as promotional discounts to attract new users to participate. For example, Bao has been used previously to pay a penny to experience activities, fast payment and the recent Central Bank branch in Qiqihar City, launched the “safety net silver, surprise against the dollar,” a prize-winning user experience activities. Activities based on Web site prompts users, recording their own “customer contact card” number and the reserve bank’s phone number, registered member information, and in accordance with prompt payment of 1 yuan on its own money, by the Qiqihar Branch of Construction Bank of China to check information, that is, have access to the corresponding exchange gifts. This through the small denominations of 1 yuan money so that the user experience, reduces the security risks of users, so that those around the use of any third party to pay the user to reduce the psychological psychological conflict, but also兑奖activities, which to some extent from has stimulated the desire of users to try.

Of course, to meet the needs of primary users, advanced users do on the market. For advanced users, those users primarily through the shopping and top-up applications, should strive to enhance the market penetration of the business to enhance the scale of users and user ARPU. Optimization of the payment process, improve the user experience, enabling users to third-party payment as a necessary tool to use, can not be separated from daily life, but also to fully tap the potential value of these users, enabling users to maximize the value to reach a win-win situation.

For those businesses to pay third-party, third-party vendors need to pay for the design of more flexible pricing system and billing policies, this order to enhance the satisfaction of the most important business, especially for Class B 2C-kind business book category, and network operators pricing strategies of households, as well as the type of network reservations billing cycle design business.

For banks, the business is relatively low awareness of e-commerce payment of the bank’s major business issues, the need to strengthen further the promotion of the marketing reforms. Online Booking type of e-commerce merchants to pay the banks to carry out the most suitable business customers, and through the set price, billing and marketing support areas such as the competitive advantages of virtual goods and services as well as the kind of business B2C businesses are more likely to to become the bank’s customer.

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