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ABSTRACT
With the popularity of the Internet, e-commerce development, as well as the vast number of consumers to pay the traditional concept of change, the increasing use of online payment. According to the survey data IResearch, current users online payment has become a major online consumer to pay one way, some 80% of Internet users had to pay. Internet users in the online consumer and used by the most commonly used method of payment, the bank primarily memory card, bank credit cards and bank transfers mainly three methods of payment, particularly in the use of bank savings card to pay the most obvious, and the use of bank credit cards and bank transfers to the relatively small number of Internet users. Internet users pay on-line from the attitude point of view, the majority of Internet users are interested in online payments, which made it clear that interest and obviously very interested in the majority of Internet users.
With the rapid development of e-commerce market, online payment has become one of the issues that must be addressed, which led to a number of online payment company, but with the characteristics, with different resources.
Online payment is the driving force behind business customers to purchase online products or services, this time to the online business customers to pay the purchase price, the need for the use of the banking system of the bank designated section. However, the environment or current system, banks do not have enough power to take the initiative to meet and promote on-line customers and businesses to pay all the needs of the online payment business when necessary.
This article discusses the background of China's online payment, online payment of the related concepts and features of the agreement online payment, online payment system composition and characteristics of hunger, the online payment tool, an analysis of the development of China's online payment status and the main problems, the main include: the issue of financial supervision and online payment, online payment business constraints the supply problem, the problem of insufficient demand for online payment, online payment tool for the development of lag online certification body (CA) the construction of the confusion, the online payment market, the issue of credit norms. In light of these problems with some solutions. Include: strengthening the security of online payment certification, and actively research and development in line with the national conditions of China's online payment tool, building a social credit system efficiency, increase the demand for online payment operations, the establishment of a sound regulatory system and so on.

 

Keywords: E-commerce; Online payment; analysis; Certification

 
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