1. The third-party payment based management
The so-called third-party payment, some products where the country and abroad, major banks
signed a contract and have a certain strength and reputation to protect third-party independent
body to provide transaction support platform. Transaction through a third party payment
platform, the buyer to buy goods, use the account of third-party platform to provide for payment
is to notify the seller by a third party payment to reach, carry out delivery; notification of the
buyer's inspection items, you can to the seller, third party and then transfer the funds to the
seller's account.
The third-party payment is a payment method of settlement. Payment procedures for
classification, the method of payment can be divided into a step of payment and a step-by-step
payment, the former including a money settlement, the settlement of bills (such as checks,
promissory notes, bank drafts, acceptances), the Department transferred the balance sheet (such
as wire transfers, online payments ), the latter including a letter of credit, guarantees settlement,
third-party payment and settlement.
In the social and economic activities, settlement attributable to the trade areas. The core of the
trade exchange Exchange is the delivery of the unity of the subject and the currency of payment
of the two opposing processes. Between freedom and equality of the normal subjects, the
exchange follows the principle of equivalence and synchronization. Synchronous exchange, is the
reciprocal conditions, delivery and payment is equivalent to the exchange guarantee.
In practice, spot the subject of face-to-face transactions, the simultaneous exchange of easy to
implement; need to process due to the circulation and acceptance of the subject of the
transaction (such as commodity flow of goods, services, labor, conversion), the flow of goods and
capital flows in many cases, asynchronous and The contradictions of separation is inevitable, the
simultaneous exchange of often difficult to achieve. Asynchronous exchange, before accepting
the price easy contrary to the ethics and protocol, undermine the principle of exchange of equal
value, it is to pay the price tends to be controlled by others, self-trapping passive, vulnerable
position, to take risks. Asynchronous exchange must be additional credit protection or legal
support can be successfully accomplished.
Synchronous exchange can avoid the risk of unequal exchange, so as to ensure that the exchange
of equal value to follow the principle of simultaneous exchange. This requires the payment and
delivery fit person to spot trading, the adaptation the immediacy step payment; separated from
the surface or futures trading, the adaptation process of the sub-step payment. Step-by-step
process of payment should be combined subject of the transaction flow of the acceptance
process characteristics, and amounts paid from the start to the transfer of ownership to each
other than step, but increased in the middle of the intermediary hosting links from the direct
payment of transfer improvements to the indirect exchange turn, the business done by the step
into a step-by-step operation, thus forming a prison controlled the process, step-by-step
conditional payment. So you can take the goods road goods shall take the paragraph Road, two
echoes, synchronized ups and downs, so that the flow of funds adapter goods flow process to

2. synchronize the corresponding effect to make the payment and settlement more scientific
rationalization of the market demand should be combined.
Third party funds to pay for the middle platform of buyers and sellers in the case of the absence
of credit protection or legal support, the buyer the purchase price paid to a third party outside of
the buyers and sellers, third party to provide security trading services, the essence of its
operation in the collection and payment The section between the establishment of intermediate
accounts, exchange transfer payments to achieve a controllable pause, only the views of the two
sides reach a consensus before deciding where the money goes. Third parties play an
intermediary custody and supervision functions, does not bear any risk, so exact, this is a paid
hosting behavior, payment guarantee paid hosting.