Predictive trade data modeling

List of the contents of this article:

• 1,Predictive trade data modeling What are the participants in the payment system
• 2, What is the essential difference between electronic payment and traditional payment methods?
• 3, Payment System Research report
• 4, Build a personal payment system
• 5, Why does Alipay keep prompting that the system is busy?

What are the participants in the payment system

1. The participants in the payment system include the following: direct participants: institutions at all levels of the People's Bank of China, opening funds in the People's Bank of China Branches at all levels of commercial banks and non-bank financial institutions (such as UnionPay, which participates in CNAPS as a special contract) with clearing accounts.

2. Merchants and consumers are participants in the payment system. The participants of the payment system include merchants and consumers.Merchants refer to entities that provide goods or services and accept payments, and consumers refer to individuals or institutions that purchase goods or services and make payments.

3. Direct participants, indirect participants, chartered participants. The conditions for direct participants refer to the need to meet certain requirements in order to truly participate in an activity, project or plan.

What is the essential difference between electronic payment and traditional payment methods?

1. Different nature: electronic payment uses advanced information technology to complete information transmission. Its various payment methods are paid in a digital way, while the traditional payment method is through the flow of cash, the transfer of bills and the flow of physical entities such as bank exchange. And exchange information to complete the payment.

2. Different subjects Online payment: It is a form of electronic payment, which is an instant payment method provided by a third party through the payment interface between the bank. Traditional payment: non-online payment is called offline payment.

3. Electronic payment uses advanced technology to complete information transmission and payment by digitalization. The working environment of electronic payment relies on the Internet, an open platform.Electronic payment uses the most advanced means of communication, such as the Internet and Extranet.

4. Refers to different electronic payment: it is the act of consumers, merchants and financial institutions using secure electronic means to transmit payment information to banks or corresponding processing institutions through information network security to realize monetary payment or capital flow.

Payment System Research Report

1. [Part I] Payment System Research Report Introduction of Alipay: Alipay, that is, Zhejiang Alipay Network Technology Co., Ltd., by Alibaba Company in 2004 Founded in the year.

2. The total transaction scale of China's third-party mobile payment market reached 271 trillion yuan, with a growth rate of 19%.

3. Banking Industry Research Report 1 The continuous development of e-banking and e-money business is conducive to improving the efficiency of banking and payment systems, and also helping to reduce the cost of retail business at home and abroad.

4. Criminals can intercept the user's account name, password and other private data by tampering with the execution process of the original client program. Pirated mobile payment clients are no different from genuine applications in appearance and actual experience. Sending a deception short message containing a link to a Trojan virus program, the victim clicked and the mobile phone was infected by the virus.

Build a personal payment system

You don't need to install the App to hang up, and your information may not be monitored. As a clerk, Shunwei can only get the information you allow him to get.4) There is no risk of violation. Shunwei is just a clerk role (which can tell you the payment result through API). The clerk role is the normal business function of WeChat and Alipay, and there is no possibility of violation.

Because gateway payment involves website conversion, the version and configuration of different computer systems, browser versions and configurations will affect the success rate of the transaction. Usually, mainstream banks are directly connected, and other banks jump to three parties. In addition to capital security and business scenario restrictions, B-end personal bank card payment is the mainstream explicit or agreement payment.

Method 1: Make a hyperlink outside the site in the WeChat official account, hyperlink to the website established by yourself outside the site, and then open a payment system on your own website. Method 2: Add your WeChat payment QR code and let the customer scan the code to pay.

Customers use electronic trading means to conduct electronic transaction activities with enterprises or merchants, exchange information with merchants through the electronic trading platform, sign transaction contracts, and pay with their own online payment tools.

The cancellation payment function on personal mobile banking is independent of the personal online banking payment function. The bank card account you set as an online payment account in personal online banking cannot be directly used for personal mobile banking payment. You need to set up your personal mobile banking payment account in personal mobile banking.

Users: Users of the electronic payment system are participants in the system, including individual users, merchants and financial institutions. Individual users can be consumers, enterprise employees, etc., and they need to pay or receive money. Merchants are entities that provide goods or services and need to accept payment from users.

Why does Alipay keep prompting that the system is busy?

1. The reason why "the system is busy, please try again later" appears when paying. The current network is temporarily unstable. You can switch the network environment or refresh the web page. Exceed the payment limit: at the same time, meet the amount displayed on the Alipay cashier page and the amount set by your bank card when the bank applied for a card.

2. This is due to the problem of network speed. This kind of problem will occur if the network is not good. Another reason is almost impossible, that is, there is a problem with the Alipay system or too many people logged in, which is impossible, because the Alipay system is enough to support access.

3. It may be that the network is not smooth, and the network can be replaced.Try it. If you use a wireless network, you can change it to a mobile network, or log out of the account and restart the mobile phone. Maybe your Alipay account has been attacked. You can log out of your Alipay account and log in again. If you are attacked, change a new password, and everything will be normal.

4. The network is busy for the following reasons: the Alipay server may be busy, or there may be a problem with the server. If the computer or mobile phone does not work properly, it may be due to the setting of the computer or mobile phone or there is a problem, which needs to be dealt with.

5. First, check whether the network connection is normal. If the network data is disconnected or unstable, it will show that the system is busy. It is recommended to change the stable network environment for operation. 2) Clear the cache of Alipay. Click "Settings" - "Manage Applications", select "Alipay", and then click "Clear Cache" to operate.

6. The reason why Alipay's water bill payment shows that the system is busy: the connection between Alipay and the institution has timed out. The institution has not returned the relevant information for more than 60 seconds. Solution: It is recommended that users try again at another time.