The third-party payment based management

May 10, 2012 - PRLog -- 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 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.