An Online Third Party Payment Framework in E-commerce
第三方支付公司业务流程体系
第三方支付公司业务流程体系英文回答:Business Process Framework for Third-Party Payment Companies.Introduction.Third-party payment companies (TPPCs) play a crucial role in the financial landscape, facilitating digital transactions and enabling seamless payments across various platforms. To ensure operational efficiency, compliance, and customer satisfaction, TPPCs require a robust business process framework that integrates all key aspects of their operations. This framework should encompass the following core elements:1. Customer Onboarding and Risk Assessment.Establishing clear criteria for customeridentification and verification.Implementing comprehensive know-your-customer (KYC)and anti-money laundering (AML) procedures.Conducting due diligence to assess customer risk profiles.2. Transaction Processing.Automating transaction processing to ensure efficiency and accuracy.Implementing mechanisms to prevent fraud and unauthorized transactions.Providing real-time transaction status updates to customers and merchants.3. Settlement and Reconciliation.Establishing clear settlement schedules and procedures.Reconciling transactions with banks and merchants to ensure accuracy and completeness.Managing and resolving any discrepancies or disputes.4. Dispute Resolution.Establishing clear guidelines for handling customer disputes.Investigating disputes thoroughly and fairly.Resolving disputes in a timely and customer-centric manner.5. Compliance and Regulatory Monitoring.Ensuring compliance with all relevant laws and regulations.Monitoring transactions for suspicious activity.Reporting any potential compliance issues to relevant authorities.6. Customer Service and Support.Providing excellent customer service through multiple channels.Handling queries, complaints, and technical issues efficiently.Continuously improving customer satisfaction levels.7. Risk Management.Identifying and assessing potential risks to the business.Implementing appropriate risk mitigation measures.Regularly monitoring and reviewing risk managementstrategies.Implementation.The successful implementation of a business process framework for TPPCs requires a collaborative effort involving all stakeholders, including management, operations, compliance, and technology teams. The framework should be tailored to the specific needs and operations of the TPPC, ensuring a customized and effective solution.Benefits.A well-defined business process framework brings numerous benefits to TPPCs, including:Improved operational efficiency and effectiveness.Enhanced compliance with laws and regulations.Reduced risk exposure and increased customer trust.Improved customer satisfaction and loyalty.Increased profitability and competitive advantage.Conclusion.A comprehensive business process framework is essential for the success and sustainability of TPPCs. By integrating all core business functions, TPPCs can optimize their operations, ensure compliance, and deliver exceptional customer service. The framework should be continuously monitored and updated to reflect changes in the regulatory landscape and customer expectations, ensuring that the TPPC remains agile and competitive in the ever-evolving payments industry.中文回答:第三方支付公司业务流程体系。
第三方付款协议英文
第三方付款协议英文Third Party Payment AgreementParty A: [Insert Name and Address of Payor]Party B: [Insert Name and Address of Payee]Party C: [Insert Name and Address of Third Party Payor]1. Purpose of Agreement:This Third Party Payment Agreement (the "Agreement") is entered into by and between Party A, Party B, and Party C to establish the terms and conditions under which Party C will make payments on behalf of Party A to Party B.2. Definitions:For the purposes of this Agreement, the following terms have the meanings set forth below:(a) "Party A" means the individual or entity making payment under this Agreement.(b) "Party B" means the individual or entity receiving payment under this Agreement.(c) "Party C" means the third party responsible for making payments on behalf of Party A to Party B.3. Obligations of Party A:Party A shall:(a) make all payments to Party C in accordance with the terms of this Agreement;(b) provide Party C with all necessary information to enable it to make payments to Party B; and(c) comply with all applicable laws, regulations, and guidelines in connection with the transaction contemplated by this Agreement.4. Obligations of Party B:Party B shall:(a) provide all necessary information to Party C to enable it to receive payments under this Agreement;(b) verify the accuracy of all amounts due under this Agreement; and(c) comply with all applicable laws, regulations, and guidelines in connection with the transaction contemplated by this Agreement.5. Obligations of Party C:(a) Party C shall receive payments from Party A in accordance with the terms of this Agreement;(b) Party C shall make payments to Party B in accordance with the terms of this Agreement;(c) Party C shall use reasonable efforts to ensure that all payments made hereunder are accurate; and(d) Party C shall keep accurate and complete records of all payments made and received under this Agreement.6. Payment Terms:(a) Party A shall make payments to Party C within [INSERT NUMBER] days after the receipt of the invoice from Party B.(b) Party C shall make payments to Party B within [INSERT NUMBER] days after the receipt of the payment from Party A.7. Representations and Warranties:(a) Each party represents and warrants that it has the legal power and authority to enter into this Agreement and to carry out its obligations hereunder.(b) Each party represents and warrants that it has obtained all necessary consents and approvals required under applicable law to enter into and perform its obligations under this Agreement.8. Governing Law:This Agreement shall be governed by and construed in accordance with the laws of the People's Republic of China.9. Notice and Communication:Any notice or communication required or permitted under this Agreement shall be in writing and shall be delivered to the parties at the addresses specified in this Agreement.10. Entire Agreement:This Agreement constitutes the entire agreement between the parties and supersedes all prior agreements and understandings, oral or written, relating to the subject matter of this Agreement.11. Amendments:This Agreement may not be amended or modified except in writing signed by all parties.12. Dispute Resolution:Any disputes arising out of or in connection with this Agreement shall be settled by arbitration in accordance with the rules of arbitration of the China International Economic and Trade Arbitration Commission. The place of arbitration shall be Beijing, China.13. Legal Effectiveness:This Agreement shall be legally binding upon all parties hereto and shall be enforceable in accordance with its terms.14. Termination:This Agreement may be terminated by any party upon [INSERT NUMBER] days written notice to the other parties.IN WITNESS WHEREOF, the parties have executed this Agreement as of the date first above written.Party A:Name: ________________________________Title: _________________________________Address: _______________________________Party B:Name: ________________________________Title: _________________________________Address: _______________________________Party C:Name: ________________________________Title: _________________________________Address: _______________________________。
三方支付合同模板
三方支付合同模板(中英文实用版)英文文档内容:Tripartite Payment Agreement TemplateThis Tripartite Payment Agreement (the "Agreement") is made and entered into on this [Day] of [Month], [Year], by and between: Party A: [Name of Party A], a company organized and existing under the laws of [Country/State] with a registered address at [Address of Party A] ("Party A").Party B: [Name of Party B], a company organized and existing under the laws of [Country/State] with a registered address at [Address of Party B] ("Party B").Party C: [Name of Party C], a company organized and existing under the laws of [Country/State] with a registered address at [Address of Party C] ("Party C").(Each a "Party" and collectively the "Parties")WHEREAS, Party A wishes to engage in transactions with Party B and Party C wishes to act as an intermediary for the processing of payments between Party A and Party B (the "Transaction");OW, THEREFORE, in consideration of the mutual covenants and agreements set forth herein, the Parties agree as follows:1.Payment Processing ServicesParty C agrees to provide payment processing services to Party A and Party B in connection with the Transaction, including the acceptance of payments from Party A, the processing of such payments, and the remittance of funds to Party B.2.Payment TermsThe payment terms between Party A and Party B shall be as follows:(a) Party A shall make payments to Party C within [time period] after the date of the relevant invoice issued by Party B;(b) Party C shall process the payments received from Party A and remit the funds to Party B within [time period] after receipt of the payments;(c) Any disputes arising from the payment terms shall be resolved by the Parties in good faith through negotiations.3.Fees and ChargesThe Parties agree that Party C shall be entitled to charge fees and charges for the payment processing services provided under this Agreement, as set forth in the schedule attached hereto.4.ConfidentialityThe Parties agree to maintain the confidentiality of the terms and conditions of this Agreement, except as required by law or regulation.erning Law and Dispute ResolutionThis Agreement shall be governed by and construed in accordancewith the laws of [Jurisdiction].Any disputes arising out of or in connection with this Agreement shall be resolved by arbitration in accordance with the rules of the [Arbitration Institution].6.Entire AgreementThis Agreement constitutes the entire agreement between the Parties and supersedes all prior agreements and understandings, whether written or oral, relating to the subject matter hereof.IN WITNESS WHEREOF, the Parties have executed this Tripartite Payment Agreement as of the date first above written.Party A: [Signature]ame: [Name of Authorized Representative]Title: [Title of Authorized Representative]Date: [Date]Party B: [Signature]ame: [Name of Authorized Representative]Title: [Title of Authorized Representative]Date: [Date]Party C: [Signature]ame: [Name of Authorized Representative]Title: [Title of Authorized Representative]Date: [Date]中文文档内容:三方支付协议模板本三方支付协议(以下简称“本协议”)由以下各方于[月],[日] 日签署,各方如下:甲方:[甲方名称],根据[国家/州] 法律成立并存在,注册地址为[甲方地址] ("甲方")。
第三方支付(Third-Party
第三⽅⽀付(Third-Party第三⽅⽀付(Third-Party Payment)什么是第三⽅⽀付 第三⽅⽀付是具备⼀定实⼒和信誉保障的独⽴机构,采⽤与各⼤银⾏签约的⽅式,提供与银⾏⽀付结算系统接⼝的交易⽀持平台的⽹络⽀付模式。
在“第三⽅⽀付” 模式中,买⽅选购商品后,使⽤第三⽅平台提供的账户进⾏货款⽀付,并由第三⽅通知卖家货款到账、要求发货;买⽅收到货物,并检验商品进⾏确认后,就可以通知第三⽅付款给卖家,第三⽅再将款项转⾄卖家账户上。
第三⽅⽀付作为⽬前主要的⽹络交易⼿段和信⽤中介,最重要的是起到了在⽹上商家和银⾏之间建⽴起连接,实现第三⽅监管和技术保障的作⽤。
第三⽅⽀付特点 在通过第三⽅平台的交易中,买⽅选购商品后,使⽤第三⽅平台提供的账户进⾏货款⽀付,由对⽅通知卖家货款到达、进⾏发货;买⽅检验物品后,就可以通知付款给卖家。
第三⽅⽀付平台的出现,从理论上讲,彻底杜绝了电⼦交易中的欺诈⾏为,这也是由它的以下特点决定的: (1)第三⽅⽀付平台的⽀付⼿段多样且灵活,⽤户可以使⽤⽹络⽀付,电话⽀付,⼿机短信⽀付等多种⽅式进⾏⽀付。
(2)第三⽅⽀付平台不仅具有资⾦传递功能⽽且可以对交易双⽅进⾏约束和监督。
例如:⽀付宝不仅可以将买家的钱划⼈卖家账户,⽽且如果出现交易纠纷,⽐如卖家收到买家订单后不发货或者买家收到货物后找理由拒绝付款的情况,⽀付宝会对交易进⾏调查,并且对违规⽅进⾏处理,基本能监督和约束交易双⽅。
(3)第三⽅⽀付平台是⼀个为⽹络交易提供保障的独⽴机构。
例如:淘宝的⽀付宝,它就相当于⼀个独⽴的⾦融机构,当买家购买商品的时候,钱不是直接打到卖家的银⾏账户上⽽是先打到⽀付宝的银⾏账户上,当买家确认收到货并且没问题的话就会通知⽀付宝把钱打⼈卖家的账户⾥⾯,⽀付宝在交易过程中保障了交易的顺利进⾏。
第三⽅⽀付交易流程 第三⽅⽀付模式使商家看不到客户的信⽤卡信息.同时⼜避免了信⽤卡信息在⽹络多次公开传输⽽导致的信⽤卡信息被窃事件,以BTOC交易为例的第三⽅⽀付模式的交流流程如图所⽰: (1)客户在电⼦商务⽹站上选购商品,最后决定购买,买卖双⽅在⽹上达成交易意向; (2)客户选择利⽤第三⽅作为交易中介,客户⽤信⽤卡将货款划到第三⽅账户; (3)第三⽅⽀付平台将客户已经付款的消息通知商家,并要求商家在规定时间内发货; (4)商家收到通知后按照订单发货; (5)客户收到货物并验证后通知第三⽅; (6)第三⽅将其账户上的货款划⼊商家账户中,交易完成。
online payment
Online Payment1. What is Online PaymentOnline payment is when the customer or buyer makes his payment transactions for the goods or services purchasing with the use of the Internet. “This type of payment lowers the costs for businesses as the more payme nts made electronically the less they spend for paper and postage. Also, it helps on improving customer retention as he is more likely to return to the same e-commerce site where his or her information has already been entered and stored.” With online paym ent, it is not necessary for the payer to be in a long queue as payment is made in just a click of a mouse.2. Online Payment MethodsFor the purchases done online most likely he will also make his payments online. you can find some different methods on making online payments.Virtual Credit Cards. This virtual credit card is an innovation in online credit cards. Credit card issuer provides a special number that can be used in place of the regular credit card number to make online purchases.Smart Cards. This card looks like any plastic payment card but it has a microchip embedded on its face. This can hold more information than ordinary credit cards with magnetic strips.e-Checks. An e-Check is an electronic version or representation of a paper check. It contains the same information as a paper check and based on the same legal framework. It works the same as the paper check however they are faster, cheaper and more secure .Digital Cash. Digital cash is an example of a digital currency, where it allows people who do not have credit card to shop online. It is similar to a traditional bank account: consumers deposit money into their digital cash accounts to be used in the purchase online. This is often used with other technology such as digital wallets .e-Wallets. An e-wallet is a software component that a user downloads to their desktop and in which the user stores credit card numbers and other personal information. When a user shops at a merchant who accepts e-wallet, the user clicks the e-wallet and the forms are automatically filled in with all the necessary information in just one click.3. Security in Online PaymentSecurity is vital when doing business online or offline. If I compare the traditional transaction using a credit card, what the merchant need is the signature of the cardholder and sometimes the photo on the credit card is also use to verify the identity of the customer. In the virtual world, information needed are the credit card number, the verification code and the billing address to verify the identity of the cardholder and fraudulent transactions are always around. Common challenges that the merchants have to face are Internet fraud, product returns, non-delivery claims, disputes that leads to chargebacks and etc.Secure Socket Layer (SSL) and Secure Electronic Transaction (SET) are the standard security protocols that protect the integrity of these online transactions. SSL was a nonproprietary protocol used to secure communication in the Internet and the Web. SSL uses public-key technology and digital certificates to authenticate the server in a transaction and to protect the private information and transmit the date over the Internet with integrity . SET is a cryptographic protocol which was designed specifically to protect and handle the complete online transactions both for the customers and the merchants. SET uses the digital certificates to authenticate each party in a transaction. Additionally, it requires special SET software to process transactions. With this pro tocol, the merchant never sees the customer’s information like the credit card information as it is not stored on his server which reduces the risk of fraud.4. Online Payment in China and the worldThere are some online payment enablers commonly used by merchants to enable the acceptance of payments online particularly for the online credit card transactions. There are a lot more of them but I will only discuss a few of them. These companies established business relationships with the financial institutions to accept online credit card payment for their merchant clients.1. PayPal. “Arising from the popularity of eBay online auctions, PayPal has quickly become dominant in online transaction processing” according to Pan-Western E-Business Team. Many people still think of PayPal primarily as the service to use to pay for items they buy on eBay.PayPal originally started as a peer-to-peer money transfer system for eBay auctions, but has also expanded as a third payment processor for any website. Two of their main gateway products that they offer are Payflow Pro and Payflow.2. Google Checkout. Google has an online payment processing service particularly for credit card transactions. The difference between PayPal is that the scope of Google Checkout is focused on enabling one-time payments to be made from a purchaser to a merchant3. . Like any other payment gateways handles online payment transactions for credit card and electronic payment processing between the merchants and financial processing networks.These three vendors are almost the same in a way that they connect the merchants’ website to the back end processing systems of the credit card issuer. Only they differ in the charging policy such as monthly fee and transactions fee that has been regulated differently.In China, Alipay is leading independent third-party online payment platform. Alipay is an affiliate of Alibaba Group, a leading international e-commerce service provider; Alipay is dedicated toward providing its members and merchants with a "simple, secure and speedy" online payment solution.Alipay is an online payment services provider. Founded by the Alibabagroup, it allows individuals and businesses to execute payments online in a secure manner. Alipay’s us ers are primarily buyers and sellers engaging in e-commerce transactions. With a registered user base of approximately 43.5 million as of June 2007, Alipay is an accepted online payment method for many online retail websites and service providers in China. Clearly, it is also the main payment online payment on sister site Taobao.Alipay has partnered with some leading Chinese banks including Bank of China, China Construction Bank, Agricultural Bank of China, and the Industrial and Commercial Bank of China; it also has a valuable partnership with Visa.5. Online Payment in the futureIn my opinion, online payment in the future should be secure、simple、efficient and convenient, the development direction of it is mobile payment. It is an alternative payment method. Instead of paying with cash, cheque or credit cards, a consumer can use a mobile phone to pay for a wide range of services and digital or hard goods such as: music, videos, ringtones, online game subscription or items, wallpapers and other digital goods, transportation fare (bus, subway or train), parking meters and other services, books, magazines, tickets and other hard goods.Mobile payment has been well adopted in many parts of Europe and bined market for all types of mobile payments is expected to reach more than $600B globally by 2013, which will be the double of the current figure, while mobile payment market for goods and services, excluding contactless NFC transactions and money transfers, is expected to exceed $300B globally by 2013.Some mobile payment solutions are also used in developing countries for micropayments.。
第三方付款委托书英文范本
Third-Party Payment Authorization Letter[Your Name][Your Address][City, State, ZIP Code][Email Address][Phone Number][Date][Recipient's Name][Recipient's Title][Recipient's Organization][Recipient's Address][City, State, ZIP Code]Dear [Recipient's Name],I am writing to authorize [Third-Party Name] to make a payment on behalf of [Beneficiary Name] in the amount of [Payment Amount] for[Service/Product Description]. This payment is in relation to [Agreement/Contract Number] dated [Agreement/Contract Date].As [Beneficiary Name] has entrusted [Third-Party Name] to handle the payment process, I am confident that [Third-Party Name] will ensure the timely and accurate disbursement of the funds. [Third-Party Name] has a reputable track record and is known for its reliable and efficient payment services.I hereby confirm that [Beneficiary Name] is liable for the payment and that [Third-Party Name] is authorized to act as the agent for the payment transaction. The payment will be made by [Payment Method] and the funds will be transferred to [Recipient's Organization] within [Number of Days] after the authorization is received.Please acknowledge the receipt of this payment authorization letter and provide any necessary further instructions or information. If you have any questions or concerns, please do not hesitate to contact me at [Your Email Address] or [Your Phone Number].Thank you for your cooperation and assistance in this matter. I appreciate your prompt attention to this request.Sincerely,[Your Name][Your Title][Your Organization]Enclosures:1. Copy of the payment authorization letter2. Copy of the agreement/contract3. Copy of the identification documents of [Beneficiary Name] and [Third-Party Name][Signature][Date]。
第三方代付款协议英文版模板
第三方代付款协议英文版模板Third Party Payment AgreementThis Third Party Payment Agreement (the “Agreement”) is entered into on [insert date] by and between [insert third party payment company name], a company organized and existing under the laws of [insert jurisdiction of incorporation], having its registered office at [insert address], (“Third Party Payor”), and [insert payee’s name], a company organized and existing under the laws of [insert jurisdiction of incorporation], having its registered office at [insert address] (“Payee”).WHEREAS, Third Party Payor provides payment services for [insert purpose of payment]; andWHEREAS, Payee requires certain payments to be made to [insert name of payor] (“Payor”);NOW, THEREFORE, in consideration of the mutual promises and covenants contained herein, the parties agree as follows:1. Payment Amount and MethodThird Party Payor agrees to pay the amount of [insert payment amount] to Payor on behalf of Payee, according to the terms of an agreement between Payee and Payor.2. Period of PerformanceThe payment shall be made by Third Party Payor to Payor according to the payment schedule set forth in the agreement between Payee and Payor.3. Representations and WarrantiesThird Party Payor represents and warrants to Payee that:(i) Third Party Payor is duly organized and has all necessary authority to enter into and perform this Agreement;(ii) The execution, delivery and performance of this Agreement have been duly authorized by Third Party Payor and do not require the consent or approval of any other party;(iii) The services provided by Third Party Payor hereunder are in compliance with all applicable laws, rules and regulations.4. Indemnification and ReleasePayee agrees to indemnify and hold harmless Third Party Payor, its officers, directors, employees and agents, from any and all claims, liabilities, damages, losses or expenses arising out of any breach of this Agreement by Payee, or its agents, employees or assigns.5. NoticesAll notices or other communications required or permitted under this Agreement shall be in writing and shall be deemed to have been duly given when delivered personally or by email,facsimile, or registered mail, postage prepaid, addressed as follows:For Third Party Payor:[insert address, email, phone, and fax]For Payee:[insert address, email, phone, and fax]6. Governing LawThis Agreement shall be governed by and construed in accordance with the laws of [insert governing jurisdiction], without giving effect to its principles of conflicts of laws.7. Entire AgreementThis Agreement constitutes the entire agreement between the parties with respect to its subject matter and supersedes all prior agreements and understandings, whether oral or written.8. Amendments and WaiversThis Agreement may not be amended, modified or waived except by written instrument executed by the parties hereto.9. Binding EffectThis Agreement shall be binding upon and inure to the benefit of the parties and their respective successors and assigns.10. Legal Effect and EnforceabilityIn the event any provision of this Agreement shall be held to be invalid or unenforceable, such invalidity or unenforceability shall not affect the validity or enforceability of the remaining provisions hereof.IN WITNESS WHEREOF, the parties have caused this Agreement to be executed by their duly authorized representatives as of the date and year first above written.THIRD PARTY PAYOR:Name:Title:PAYEE:Name:Title:。
第三方支付外文文献翻译2018
外文文献翻译原文及译文标题: Reuse Intention of Third-Party Online Payments: A Focus on the Sustainable Factors of Alipay 作者: Yongrok Choi, Lili Sun 其月干丨J: S ustainability,第8卷,第2其月年份:2016字数:译文4000多字原文Reuse Intention of Third-Party Online Payments: A Focus on theSustainable Factors of AlipayYongrok Choi,Lili SunAbstractAn anonymous transaction environment and the advantage of virtual property have resulted in trust playing an important role in the rapid growth of online shopping in China. To satisfy this trust issue, Alibaba (China) Co.,Ltd. (Hangzhou,China) invented Alipay, the largest third-party online payment service. Using a structural equation model (SEM), this paper attempts to determine whether Alipay^s service quality factors are truly sustainable. The results indicate that only two of five factors—convenience and security—are significantly mediated by the sustainable performance of customer satisfaction as a mediator The other three factors—usefulness,responsiveness and economy—were rejected for the role of customer satisfaction, even if they are accepted regarding the direct effect on reuse intention. This result implies that Chinese web companies need to make greater efforts not to ensure initial success, but instead to ensure sustainable performance. Keywords: third party payment service; structural equation modeling; reuse intention; China; AlipayIntroductionIn recent years, China has experienced significant achievements in all industries and particularly e-commerce. Alibaba, the leader of the Chinesee-marketers,invented Kwangkunjie (Single’s Day), and one-day online sale on November 11 that is similar to black Friday after Thanksgiving in the United States. On this double eleven day, Al ibaba’s total turnover from all of its platforms has been 91.2 billion Yuan (US$13.68 billion), which involved 232 countries and 467 million logistics orders. These figures represent the world record for single-day online transaction volume [1 ]• Alibaba’s significant success on Kwangkunjie may have resulted from the most successful intermediation of Alipay, the third-party online payment system that it launched in China in 2004. Alipay charges no transaction fees and provides an escrow service that enables consumers to verify their satisfaction with the goods they purchased before releasing money to the seller. This service is critical because it gives consumers guaranteed intermediation by an authorized third party,a necessity given China’s weak consumer protection laws and regulations. Its pro-activeness makes Alipay a unique payment-related service; for example,relative to ILS^based Paypal’s simple third-party payment service,Alipay provides guarantees for transactions. Alipay also provides enhanced online payment functions through integrated diverse functions, such as for mobile games, movies and others. In contrast, Samsung Pay in Korea simply provides flexible payment services. Alipay is much more attractive to customers given its integrated one-stop multi-user-friendly services. China’s third-party online payment volume increased to approximately eight trillion Yuan (US$1.2 trillion) in 2014,with growth of 50.3% compared to 2013. Alipay has ledthis rapidly increasing growth in third-party online payments, with a 49.6% market share or 3-87 trillion Yuan, as shown in Figure l. More than 300 million people in the world use Alipay for payment services at Taobao and Tmall, as well as at many offline stores. Alipay’s strong escrow support enabled Alibab a to rapidly increase its online market share in China, and other followers effectively enabled consumers in this large country to integrate online shopping with online payments and logistics through one-source, multi-channel transactions. In 2013, Alipay launched a financial product platform called Yu’ebao that enables Alipay users to deposit any remaining money in an account and earn interest. This interest-yielding new invention by the third-party payer made Alipay the leader in this e-business new frontier.Currently,Alipay provides both third-party escrow guarantees on online transactions and interest on the unused portion of an Alipay account In addition to these direct support services for online shopping, many more applications exist for Alipay users who frequently visit diverse game and other entertainment sites and for users engaged in informative community activities. Alipay began as an online shopping supporter by being an escrow provider and became a multi-channel third-party online banking portal site. The continuing success of Alipay certainly arises from the proactive organizational culture of Alibaba (China) Co.,Ltd.,which is akin to reading users” minds and pulling their demand instead of engaging in pushing-oriented forceful promotional marketing. Alipay's long-term performancecould be sustainable given its user-friendly,performance-oriented marketing efforts,because the value creation based on network management with diverse participants of a certain product is key to sustainable e-business management.However, as an online payment service, Alipay may require more sustainable operations for successful performance, because it is in the initial stages of the market, and the rapidly changing environment in China cannot guarantee that initial luck will carry forward to the long term. In particular, web marketing for an online payment service is also based on sustainable relationships with users. According to Bhattacherjee (2001), the sustainable performance of web services should not be based on simple, instantaneous intentions in the short term, but on reuse intentions for the long term. Chinese customers are quickly adopting “multichannel” shopping behavior that is creating both opportunities and challenges for social e-commerce brands/companies, retailers and companies. Taobao and its payment system Alipay certainly provide the most appropriate marketing platform in China. As previously mentioned, the U.S.-based PayPal does not provide escrow services, and Samsung Pay in Korea provides very flexible access points for payments, but no other services. Compared to these third-party online payment services,Alipay provides diverse, yet integrated services for multi-channel users. However, more is not always better, and a payment service’s core compet ence should maintain an appropriate “reach” to enable reuse by users. The purpose of this research is to determine Alipay^ sustainable factors as athird-party online payment service provider. To evaluate the sustainable feasibility of the online payment service,this paper empirically tests the relationship between the web marketing mix of Alipay and the reuse intention of users. However, a link is always missing between web marketing mix and its performance. Because of this missing link, previous studies conclude that initial trust in the web marketing mix is not effective enough, whereas others insist that the web marketing mix is significant. Therefore,this research empirically tests the role of consumer satisfaction as a mediator between the web marketing mix and the reuse intention of consumers on third-party online payment systems, with an emphasis on the unique connectional characteristics of Alipay Theory and Hypotheses Characteristics of Third-Party Online Payments Third-party online payment services are well known as escrow services, because an escrow generally refers to money held by a third party on behalf of the transacting parties. These services are based on a contractual arrangement in which a third party receives and disburses money or documents for the primary transacting parties, with the disbursement depending on conditions agreed to by these parties- As the Alipay service indicates, this process sometimes means that an account is established by a broker to hold funds on behalf of the broker's principal until the consummation or termination of a transaction. In general, most online payment services provide an objective transfer of money along the lines of a commercial transaction. Third-party online payments work by placing money in the control of an independent and licensedthird party to protect both buyer and seller in a transaction over the Internet. When both parties verify that the transaction has been completed per the set terms, the money is released. If at any point a dispute occurs between the parties in the transaction, the process moves to dispute resolutiorh The outcome of the dispute resolution process determines what happens to the money in escrow. As the most representative online payment service in China, Alipay has successfully operated a third-party online payment service for online shopping at Taobao, its brother website. Because online payments are web services,Alipay’s successful operation may result from the appropriate utilization of the web marketing mix. Thus,the core competence of web services, such as online payments, should be based on the capability to create and maintain relational marketing, which is different from traditional marketing. Similar to other services, an online payment service could be evaluated through its service quality. In general,service quality is defined as the integrated capacity for the consumer to be satisfied with the expected service package level and its related functions. Parasuraman et al. (2005) define e-service quality as the extent to which a website facilitates efficient and effective shopping,purchasing and delivery. Wolfinbarger and Gilly (2003) define e-service quality as the beginning to the end of a transaction, including information search, website navigation,order,customer service interactions,delivery and satisfaction with the ordered product In these definitions, an e-service has a much broader spectrum than traditional or general service quality. In particular,Wilfinbarger and Gilly (2013) argue that e-service quality should be self-sufficient in fulfilling the procedural set of an online transaction. Because the online payment service is part of an online transaction, the evaluation of e-services in this research focuses on the extent to which websites create and maintain relationships through user satisfaction. Therefore, the extent of the capacity for websites to create and maintain relationships will be examined in greater detail.Discussion and ConclusionsThis study examined the influence of dynamic trust on social e-commerce based on the web marketing mix theory. In China, the local competitors with cultural-friendly web companies based on social e-platforms gain much more effective initial and ongoing trust, compared to the global leaders,such as eBay and FacebooL The empirical results show that the issue of website dynamic trust is one of the most critical obstacles related to online transactions in social e-commerce^ Over the past 10 years, many researchers have reported that trust is crucial for e-commerce; however, only a few of them noticed that trust is a kind of dynamic process. Customers’ trust constantly transforms during the different stages of a transaction. Therefore,we classified trust as initial trust and ongoing trust based on the perspectives of sustainability. In order to ensure successful performance, websites need to have a deeper understanding of how initial trust and ongoing trust are developed and how they affect purchases. Alibaba (China) Co.,Ltd. provides a good benchmarking case for developing a third-party onlinepayment service in China and worldwide* However, in its initial stage, sustainable issues for the successful performance between sellers and customers were the most significant obstacles for Alibaba. To overcome these barriers, Alibaba attempted to invent a diverse set of multi-channel services, including the most outstanding feature of the third-party online payment of a type of escrow guarantee system for online transactions. In 2002, Alibaba launched a strategy to address another trust-related risk management issue and created value from this trust risk by introducing “TrustPass.” Alibaba^s successful case educated the Chinese government and led to changes in the regulatory platform. Because this service provides another guarantee system for local vendors,many local governments provided public funding and cooperated with Alibaba to subsidize small local companies to allow them to obtain Alibaba’s TrustPass. Alipay is another guaranteed system that enables a third party to manage the win-win game rule of transparency in online transactions. All of these efforts by Alibaba (China) Co.,Ltd. are based on the customized market- and performance-oriented paradigm of its business strategy, which seems to work well, at least presently.However, all of these efforts should be evaluated more precisely and systematically for sustainable management. Thus, this research empirically tested the sustainable features of Alipay^s service quality. By comparing previous studies,we selected the core of the service quality in five determinants: usefulness,convenience, security, responsiveness and economy. All five determinants workedwell for customer reuse intention, which explains Alipay\s current success in the market. Unfortunately, however,only two of the five—convenience and security—showed sustainable performance with the support of customer satisfaction as a mediator Customer satisfaction is crucial to sustainable performance by increasing the reuse intention, which is key for customer relationship management. Because the e-business paradigm is the creation of values on the basis of network management among all stakeholders, sustainable trust in terms of customer satisfaction is critical for sustainable performance Although the growth rates of northeast Asian countries, such as China and Korea,still lead the global economy,their sustainable performance cannot be guaranteed to continue. Thus,priority should be given to sustainable strategies from the perspective of the overall performance of the e-business ecosystem. However,because of the complexity of a sustainable operation for a collaborative ecosystem, visualizing the performance of these sustainable strategies and practices is particularly difficult. Even so, the government’s failure to engage in a market-oriented implementation of its e-business policies may result in losing the public’s trust,and then, finally, an oversupply or a demand shortage may worsen market performance. This empirical test may have some limits in its implications due to the more precise approach with recent technologies, such as the bootstrapping procedure. It will be future tasks to enhance the implications and suggestions. Nonetheless, this paper strongly emphasizes that today’s successmay not guarantee tomorrow’s success, at leas t in the Alipay case. In order to sustainably maintain its success on third party payment, Alipay should make more customized efforts for the reuse intention. Especially, Alipay needs to develop a complement role with the traditional off-line banks,because they have much stronger reuse intentions and motivations. Therefore, this study emphasizes the importance of creating a new paradigm of field- and performance-oriented strategies- Moreover, the intermediary role of customer satisfaction in addressing sustainable performance cannot be emphasized strongly enough,particularly in transient economies,such as China and Korea.译文第三方网络支付的可持续开发:关注支付宝的可持续性因素Yongrok Choi,Lili Sun仁和大学摘要匿名交易环境和虚拟财产的优势使得中国的网络购物获得了快速增长。
第三方付款协议英文版本
第三方付款协议英文版本Third Party Payment AgreementParty A: [Name/Company Name]Address: [Address]Contact Person: [Name]Contact Information: [Phone/Email]Legal Representative: [Name]Party B: [Name/Company Name]Address: [Address]Contact Person: [Name]Contact Information: [Phone/Email]Legal Representative: [Name]Whereas, Party A and Party B have agreed to enter into a third-party payment agreement regarding certain products and/or services;The parties hereto hereby agree as follows:1. Identification of the Parties: The parties to this Agreement are identified as Party A and Party B.2. Agreement Scope: This Agreement outlines the rights, obligations, and responsibilities of both parties in the performance of the payment contract for certain products and/or services.3. Payment Obligation: Party A shall provide payment to Party B on behalf of the client for certain products and/or services, as agreed upon between Party A and Party B. Party A shall pay theagreed upon amount within [insert number] days from the date of receipt of the invoice.4. Confidentiality: Party A and Party B shall not disclose any confidential information regarding the other party to any third party without the prior written consent of the other party.5. Term and Termination: This Agreement shall remain in effect [insert number] years from the date of execution. Either party may terminate this Agreement with [insert number] days’ prior written notice.6. Governing Law: This Agreement shall be governed by the laws of the People's Republic of China.7. Dispute Resolution: In case of any disputes arising out of or relating to this Agreement, the parties shall first attempt to settle such disputes through friendly consultation. In case no agreement can be reached, then the parties may initiate arbitration in accordance with the arbitration rules of the [insert name] arbitration institution.8. Entire Agreement: This Agreement including any schedules attached hereto constitutes the entire agreement between Party A and Party B and shall supersede any prior or contemporaneous agreements, promises, representations, or understandings, whether written or oral.9. Severability: If any provision of this Agreement is declared or found to be illegal, invalid, or unenforceable, the remaining provisions of this Agreement shall remain in full force and effect.10. Effective Date and Execution: This Agreement shall become effective as of the date first written above and may be executed in counterparts, each of which shall be deemed an original.Party A: [Signature]Party B: [Signature]。
英语翻译1-20
秦始皇
• 嬴政(前259年--前210年),庄襄王之子,秦朝 的开国皇帝。他13岁继承秦王王位,21岁亲理国 事。在公元前221年,秦始皇统一了全国,建立 了中国历史上第一个中央集权的(centralized) 封建国家。秦始皇在位期间统一了文字、货币和 度量衡等; 他所开创的皇权制度,在中国历史上 一直延续了两千多年。然而,秦始皇为了控制人 民和加强专制统治(autocratic rule),采取了许 多残忍的手段,其中最著名的就是“焚书坑儒”。
词汇难点
• • • • • • • • • • • 第三方在线支付平台third-party online payment platform 由…创建founded/established/set up by... 用户user 支付各种费用pay various bills 网购online shopping 电话费telephone bill 学费tuition fee 以……为例take... as an example 账户account 将钱转给卖家release/transfer the money to the sellers 在线支付方式online payment method; a way to pay online • 买卖双方的利益the interests of both buyers and sellers
• 支付宝 • 支付宝(Alipay)是中国最大的第三方在线支付平 台,由阿里巴巴集团(Alibaba Group)于2004年创 建。截至2012年底,支付宝拥有用户超过7亿。 用户可利用这一平台支付各种费用,诸如网购、 电话费、学费等等。以网购为例,买家先将钱存 到支付宝账户,收到商品后,再通过支付宝将钱 转给卖家。支付宝为其用户提供了"简单、安全、 快速"的在线支付方式,保护了买卖双方的利益。
四级段落翻译3- (支付宝)答案解析
• Take online shopping as an example.
•
• Buyers put the money into their Alipay account which will not release the money to the sellers until the buyers get their goods.
参考译文
• Founded by Alibaba Group in 2004, Alipay is China’s largest third-party online payment platform. Alipay has over 700 million users by the end of 2012. Users can pay various bills via the platform, such as online shopping, telephone bills, and tuition fees. Take online shopping as an example. Buyers put the money into their Alipay account which will not release the money to the sellers until the buyers get their goods. Alipay provides its users with a simple, safe and fast online payment method, protecting the interests of both buyers and sellers.
online payment 六级作文
online paymentWith the rapid growth of online shopping, online payment has become an irresistible trend in modern society. It is beyond all doubt that online payment does bring great benefits to people. One of its most obvious advantages is the convenience it brings. Compared with traditional payment methods limited by time and space, online payment makes it possible for consumers to complete the purchasing behavior anytime and anywhere.As online payment is in vogue, how to ensure payment security is put into the spotlight. To begin with, we should give priority to choose secure and credible websites and reading the privacy and security policies before making any purchase. In addition, when we are paying, it is advisable to use the third-party payment platform to make sure that payment information is not infringed. Last but not least, it is of great urgency that relevant laws should be formulated to ensure that the payer is not deceived.In conclusion, the maturity of e-commerce calls for the reinforcement in the security of online payment. Only in asecure environment can we enjoy the pleasure and convenience of online payment.译文:随着网上购物的快速发展,网上支付已成为现代社会不可抗拒的趋势。
online payment 阅读理解
online payment 阅读理解Title: The Evolution of Online PaymentIn the realm of technology, the concept of online payment has revolutionized the way we transact business. It has bridged the gap between the physical and digital worlds, making transactions swift, secure, and convenient. Let's delve into the journey of online payment from its nascency to its current status.The early days of the internet saw the emergence of online payment solutions like PayPal, which allowed users to send and receive money online. However, these were primarily used for person-to-person transactions or small-scale purchases. The infrastructure and security measures were not as robust as they are today, posing significant risks to both the consumer and the merchant.Fast forward to the present, and we see a plethora of options for online payment. From credit cards to debit cards, digital wallets to third-party payment gateways, the choices are endless. This diversityhas enabled businesses to accept payments from a wide range of sources, thus increasing their revenue streams.One of the key factors in the growth of online payment has been its adaptability to different platforms and devices. Mobile phones have become a ubiquitous part of our lives, and with the advent of mobile banking and payment apps, making purchases on the go has become effortless. This has not only empowered individuals but also opened up new avenues for businesses to reach out to their customers.Moreover, the rise of e-commerce has been a significant catalyst in the growth of online payment. Sites like Amazon, eBay, and Alibaba have transformed shopping from a traditional experience to a digital one. They have provided a platform for merchants to sell their products globally, while offering consumers a convenient and diverse range of items.However, as convenient as online payment may seem, there are still concerns regarding security. From identity theft to fraudulent transactions, consumers need to be vigilant when making onlinepayments. This is where robust security measures and stringent government regulations come into play. They ensure that both the consumer and merchant are protected during transactions.In conclusion, the journey of online payment has been remarkable, evolving from a niche concept to a mainstream phenomenon. Its impact on society and business is immeasurable, and it continues to shape our future. As technology advances, so will online payment methods, making our lives even easier and safer.。
网络支付与传统支付英语作文
网络支付与传统支付英语作文The Evolution of Payments: Online vs. Traditional Methods.In today's digital era, the landscape of payments has undergone significant transformations. The emergence of online payment systems has revolutionized the way weconduct financial transactions, replacing traditional payment methods in many aspects of our daily lives. While both online and traditional payments serve the same purpose, they differ significantly in terms of operation, convenience, security, and impact on society.Traditional Payment Methods.Traditional payment methods have been in use for centuries, evolving gradually over time to accommodate the changing needs of society. These methods typically involve the physical exchange of currency or the use of paper-based payment instruments like checks and money orders.Cash and Checks.Cash is the most basic and widely accepted form of payment. It offers anonymity and immediate settlement, making it ideal for small transactions and peer-to-peer exchanges. However, cash transactions can be inconvenientfor larger purchases or when dealing with distant parties, as it requires physical delivery. Checks, on the other hand, allow for the payment of goods and services without theneed for immediate cash on hand. They provide a degree of security as the payer's bank account is involved, but they can take time to clear and are susceptible to fraud.Credit and Debit Cards.The advent of credit and debit cards marked asignificant milestone in payment evolution. These plastic cards enabled consumers to make purchases using funds from their bank accounts or lines of credit, removing the needto carry cash. Cards offer convenience, as they can be used for both online and offline transactions, and provideadditional benefits like reward points, cashback, and extended warranties. However, they also introduce the risk of fraud and identity theft, necessitating robust security measures.Online Payment Methods.With the proliferation of the internet and mobile technology, online payment systems have become the norm. These systems facilitate the electronic transfer of funds between parties, often through the use of digital wallets or payment gateways.Digital Wallets.Digital wallets, such as Apple Pay, Google Wallet, and Samsung Pay, have revolutionized the payment experience. These wallets allow users to store their payment card information securely on their smartphones or other digital devices. With a simple tap or scan, consumers can make payments quickly and securely, avoiding the need for physical contact with cash or cards. Digital wallets alsoprovide additional features like loyalty card integration and peer-to-peer payment options.Payment Gateways.Payment gateways, such as PayPal, Stripe, and Alipay, have simplified the process of making online payments. These gateways act as intermediaries between buyers and sellers, processing and transferring funds securely. They offer convenience for both individuals and businesses, as they can accept payments from a variety of sources, including credit cards, debit cards, and bank accounts. Payment gateways also provide fraud protection and dispute resolution services, adding an extra layer of security for consumers.Cryptocurrency.Cryptocurrency, represented by Bitcoin and other altcoins, represents a radical departure from traditional payment methods. Cryptocurrency payments are decentralized, meaning they are not subject to the control of banks orgovernment agencies. Transactions are secured using cryptography and are recorded on a public ledger called a blockchain. Cryptocurrency payments offer anonymity, low transaction fees, and global reach, but they are also volatile and subject to significant regulatory uncertainty.Comparing Online and Traditional Payments.Both online and traditional payment methods have their advantages and disadvantages. Traditional methods, like cash and checks, offer anonymity and immediacy but can be inconvenient for larger or remote transactions. Credit and debit cards provide convenience and added benefits but introduce security risks. Online payment methods, like digital wallets and payment gateways, offer increased convenience, security, and efficiency but may require additional setup and technology. Cryptocurrency payments offer unique advantages like anonymity and global reach but also come with significant volatility and regulatory challenges.The Future of Payments.As technology continues to evolve, so will the payments landscape. We can expect to see more innovations in online payment methods, particularly in the areas of security, efficiency, and consumer experience. Cryptocurrency and other decentralized payment systems may gain more acceptance as their volatility decreases and regulatory frameworks become clearer. Traditional payment methods, while still relevant, may evolve to incorporate moredigital features and security measures.In conclusion, the evolution of payments fromtraditional to online methods has transformed the way we conduct financial transactions. Each method has its unique strengths and weaknesses, and the choice between them depends on the specific needs and preferences of the payer and the recipient. As technology continues to advance, we can expect to see even more payment options emerge, each tailored to meet the specific demands of modern society.。
小学英语教案:第三方支付工具,一次操作安全便捷
IntroductionAs technology advances, more and more services and products are becoming available online. This has led to a shift toward digital forms of payment, including third-party payment tools. These tools offer users a convenient, fast, and secure way to send money, make purchases, or transfer funds. In this article, we will explore the benefits of using third-party payment tools in English classes for primary school children.Advantages of Third-Party Payment ToolsSecurityUsing third-party payment tools is generally much safer than traditional methods of payment such as checks or cash. These tools use advanced encryption algorithms to protect your data and prevent unauthorized access. With third-party payment tools, you don't have to worry about checks getting lost in transit, or carrying large amounts of cash with you.ConvenienceThird-party payment tools are incredibly convenient. They allow users to pay bills, transfer funds, and make purchases with just a few clicks. This can save a lot of time and effort, especially for busy parents who may not have the time to visit banks or ATMs during working hours. Teachers can also benefit from this convenience by using these tools to receive payments for school trips, events, or other activities.Real-time transactionsOne of the biggest advantages of third-party paymenttools is the ability to make real-time transactions. This means that funds are transferred instantly, and there is no waiting period before the money becomes available. This can be very useful for teachers who need to make quick purchases or receive payments from parents.AccessibilityThird-party payment tools are widely accessible, as most of them can be used on mobile devices such as smartphones and tablets. This means that parents and teachers can easily access their accounts and make transactions while on the go.Mobile accessibility also makes it easier for parents to keep track of their accounts and monitor their children's spending.Implementation of Third-Party Payment Tools in English ClassesHaving established the advantages of third-party payment tools, it's time to discuss their implementation in English classes for primary school children. Here are some ways in which third-party payment tools can be used in English classes:- Purchasing English-language books and learning materials: Teachers can use third-party payment tools to purchase English-language books and resources that can beused in class or shared with students.- Payment for online learning: Third-party payment tools can be used to pay for online English classes, which can be a useful resource for children who are learning remotely orneed additional support outside of class time.- Payment for school trips and activities: Teachers can use third-party payment tools to receive payments fromparents for school trips, events, and other activities. Thiscan greatly simplify the payment process and reduce the administrative burden on teachers.- Buying snacks and drinks: Teachers can use third-party payment tools to purchase snacks, drinks, and other treats that can be used as incentives or rewards for good behavior or academic performance.ConclusionThird-party payment tools offer a safe, convenient, and efficient way to make payments, transfers, and purchases. They can be useful in a wide range of situations, including English classes for primary school children. By implementing these tools in their classes, teachers can save time and effort, while also providing their students with a better learning experience.。
网上支付作文英文
网上支付作文英文Online payment has become an essential part of ourdaily lives. It's so convenient to just tap a few buttons and have your bills paid or your shopping done.I remember the first time I used online payment. Itfelt a bit strange at first, trusting the internet with my money. But once I saw how fast and easy it was, I never looked back.The best thing about online payment is that you can doit anytime, anywhere. No need to wait in line at the bankor rush to make it before closing time. Just whip out your phone or laptop and you're good to go.Of course, there are risks involved with online payment, like fraud and identity theft. It's important to stayvigilant and only use secure websites and payment methods.I love how online payment has made splitting bills withfriends so much easier. No more scrambling for cash ortrying to remember who owes who. Just send a quick payment through an app and you're all squared away.I've also noticed that a lot of businesses are now only accepting online payment. It's definitely the way of the future, and I'm all for it. No more fumbling for loose change or dealing with outdated card machines.Overall, online payment has made my life so much easier.I can't imagine going back to the days of writing checksand carrying around wads of cash. It's fast, convenient,and just makes sense in our digital world.。
三方协议 英文
三方协议英文Three-party Protocol for Online Payment SecurityIntroduction:With the rapid development of e-commerce, online payment has become an indispensable part of people's lives. However, the increasing number of cyberattacks and fraud incidents has raised concerns about the security of online payment transactions. In order to protect the rights and interests of consumers, merchants, and payment service providers, parties involved should adhere to the following three-party protocol for online payment security.1. Consumer Responsibilities:1.1. Protection of Personal Information: Consumers should take necessary measures to safeguard their personal information. This includes using strong passwords and regularly updating them, avoiding sharing sensitive information on unsecured websites, and being cautious of phishing attempts.1.2. Secure Payment Channels: Consumers should only use reputable and secure payment channels. They should verify the authenticity of the website or mobile application they are using for making payments and ensure that it is equipped with SSL encryption for data protection.1.3. Monitoring and Reporting: Consumers should regularly monitor their financial transactions and report any suspicious activity to their bank or payment service provider immediately.They should also keep a record of all their payment receipts and transaction IDs for future reference and dispute resolution.2. Merchant Responsibilities:2.1. Compliance with Security Standards: Merchants should adhere to industry security standards, such as Payment Card Industry Data Security Standard (PCI DSS). They should ensure that their payment systems are regularly audited and meet the required security requirements to protect consumer data.2.2. Secure Checkout Process: Merchants should provide a secure and encrypted checkout process for their customers. This includes using secure payment gateways and displaying trust seals to instill confidence in consumers regarding the safety of their financial information.2.3. Clear Refund and Return Policies: Merchants should clearly communicate their refund and return policies to consumers. This includes providing a hassle-free refund process and ensuring transparent communication regarding the status of refunds.3. Payment Service Provider Responsibilities:3.1. Fraud Detection and Prevention: Payment service providers should implement robust fraud detection and prevention systems to identify and block suspicious transactions. This includes using advanced algorithms and machine learning techniques to analyze transaction patterns and flag any anomalies.3.2. Secure Data Storage: Payment service providers should store customer data securely and comply with data protection laws. This includes implementing encryption techniques for data transmission and storage, regular vulnerability assessments, and restricted access to customer data.3.3. Dispute Resolution: Payment service providers should establish a transparent and efficient mechanism for resolving payment-related disputes. This includes providing timely communication to the parties involved and facilitating the resolution process to ensure fair outcomes.Conclusion:By following this three-party protocol for online payment security, consumers, merchants, and payment service providers can create a safer and more reliable environment for online transactions. It is essential for all parties to collaborate in order to combat cyber threats, protect customer data, and build trust in the online payment ecosystem.。
酒店前台操作流程FD-0008ThirdPartyPayment
在这种情况下,付款人需要填写信用授权表 格,需要付款人的同意和签名。
Why do I have to ask for a Signature from the paying guest? 为什么付款人需要签名?
Summary questions: 总结问题:
1. Why do we have to provide third party payment service? 为什么我们要提供第三方付款服务?
HOLIDAY INN CENTURY CITY CHENGDU
STANDARD OPERATING PROCEDURE 操作程序
TASK NUMBER: 任务号:
DEPARTMENT: 部门:
DATE ISSUED: 发放日期:
GUEST EXPECTATION: 客人期望:
TIME TO TRAIN: 培训时间:
2. Why does he/she want to settle the account for another guest? 他/她为什么要为另外的客人付费?
3. Why does the person paying for a third party need to be present while the account is settled? 为什么为第三方付款的人在付款时必须出现?
当第三方付款人不住在酒店时
Another person can also pay for a guest staying in the hotel. In this case a credit authorisation form has to be filled in and a authorisation has to be taken with the Signature of the paying guest 不住在酒店的人也能为住在酒店内的客人付
三方代付款协议英文模板
三方代付款协议英文模板TRIPARTITE AGREEMENT FOR PAYMENT ON BEHALF OF ANOTHER PARTYThis agreement ("Agreement") is entered into on [DATE], by and among:Party A: [NAME], a legal entity organized and existing under the laws of [COUNTRY], with its principal place of business at [ADDRESS], represented by [NAME AND TITLE], hereinafter referred to as "Party A";Party B: [NAME], a legal entity organized and existing under the laws of [COUNTRY], with its principal place of business at [ADDRESS], represented by [NAME AND TITLE], hereinafter referred to as "Party B";Party C: [NAME], a legal entity organized and existing under the laws of [COUNTRY], with its principal place of business at [ADDRESS], represented by [NAME AND TITLE], hereinafter referred to as "Party C".Whereas, Party B owes an outstanding debt to Party A; andWhereas, Party C has agreed to make payment to Party A on behalf of Party B in accordance with the terms and conditions set forth in this Agreement;Now, therefore, in consideration of the mutual promises and covenants contained herein, and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties agree as follows:1. Payment. Party C shall make a payment of [AMOUNT IN WORDS AND NUMBERS] to Party A on [DATE]. Party A and Party B agree that this payment will be credited against the outstanding debt owed by Party B to Party A.2. Representations and Warranties. Each party represents and warrants that:a. It is duly authorized to execute this Agreement and perform its obligations under this Agreement;b. This Agreement represents a legal, valid, and binding obligation enforceable against it in accordance with its terms;c. Its execution, delivery, and performance of this Agreement do not violate any applicable law, regulation or agreement to which it is a party.3. Indemnification. Each party agrees to indemnify, defend, and hold harmless the other party, its directors, officers, employees, affiliates, agents, successors, and assigns from and against any and all loss, liability, damage, claim, cost, and expense (including reasonable attorneys' fees) arising out of any breach by such party of its obligations under this Agreement or anyrepresentation or warranty made by such party that proves to be false or misleading when made.4. Governing Law and Jurisdiction. This Agreement shall be construed and enforced in accordance with the laws of [COUNTRY]. Any dispute arising out of or in connection with this Agreement shall be resolved through mediation, failing which it shall be referred to arbitration in accordance with the rules of the [ARBITRATION ASSOCIATION OF COUNTRY]. The arbitration award shall be final, binding, and non-appealable. The place of arbitration shall be [PLACE AND COUNTRY]. The language of the arbitration shall be [LANGUAGE].5. Notices. All notices required or permitted under this Agreement shall be in writing and shall be considered given if personally delivered or sent by email or certified or registered mail, return receipt requested, to the respective addresses indicated below (or at such other address as may be given in writing by either party to the other):If to Party A:[NAME AND ADDRESS]If to Party B:[NAME AND ADDRESS]If to Party C:[NAME AND ADDRESS]6. Entire Agreement. This Agreement constitutes the entire agreement among the parties with respect to the subject matter hereof and supersedes all prior agreements and understandings whether written or oral, relating to such subject matter. This Agreement may not be amended or modified except in writing signed by all parties hereto.7. Counterparts. This Agreement may be executed in counterparts, each of which shall be deemed an original, but all of which together shall constitute one instrument.IN WITNESS WHEREOF, the parties have executed this Agreement as of the date first above written.Party A:[NAME AND TITLE]Party B:[NAME AND TITLE]Party C:[NAME AND TITLE]。
三方委托付款协议书英文简单
三方委托付款协议书英文简单TRIPARTITE PAYMENT AGREEMENTThis Agreement is made and entered into on [date], by and among the following parties:Party A: [Name of the first party], [Address], [Country], [Contact information]Party B: [Name of the second party], [Address], [Country], [Contact information]Party C: [Name of the third party], [Address], [Country], [Contact information]The parties agree to enter into this tripartite agreement with respect to the following:1. Identity of the parties and their rolesParty A is the payee, who is entitled to receive certain payments from Party B.Party B is the payer, who is obligated to make the payments to Party A.Party C is the intermediary, who will act as the escrow and hold the payments until certain conditions are met.2. Rights and obligationsParty A has the right to receive the payments from Party B, subject to the terms and conditions of this Agreement.Party B has the obligation to make the payments to Party A, subject to the terms and conditions of this Agreement.Party C has the obligation to hold the payments in escrow and release them to Party A only after the conditions of this Agreement have been met.3. Performance and conditionsThe payments from Party B to Party A shall be made in [currency] and in accordance with the following schedule: [insert payment schedule].The payments shall be released from Party C to Party A only after the following conditions have been met:- [Insert conditions]4. Term and terminationThis Agreement shall remain in effect until all payments have been made and conditions have been met.This Agreement may be terminated by any party if the other party breaches any of the terms and conditions of this Agreement. In the event of a breach, the non-breaching party may terminate this Agreement upon written notice to the breaching party.5. Governing law and jurisdictionThis Agreement shall be governed by and construed in accordance with the laws of the People's Republic of China.Any disputes arising from or relating to this Agreement shall be submitted to the [insert name] court for resolution.6. MiscellaneousThis Agreement represents the entire understanding between the parties and supersedes all prior negotiations, understandings, and agreements between them.This Agreement shall be binding upon and inure to the benefit of the parties and their respective successors and assigns.This Agreement may be executed in counterparts, each of which shall be deemed an original, but all of which together shall constitute one and the same instrument.IN WITNESS WHEREOF, the parties have executed this Agreement as of the date first above written.Party A (Payee):[Signature]Party B (Payer):[Signature]Party C (Intermediary):[Signature]。
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An Online Third Party Payment Framework in E-commerceChuanjin Jiang Shanghai Business School Donghua UniversityShanghai,Chinachuanjin@Wenguan Song Shanghai Business School Shanghai,Chinaswg@Abstract—This paper puts forward TPP (third party payment, TPP for sh ort) conception, system arch itecture and payment model and introduces a new TPP payment solution integrating with modern logistics. Th is solution can prevent th e sellers from buyers’ vicious ch eating, and make sure th e money is received in time. Also, the personal credit mechanism in TPP is discussed to help the customer choose the reputable seller.Keywords-third party payment platform;e-commerce;online payment;logisticsI.I NTRODUCTIONAlong with the development of communication technologies and popularization of internet,E-commerce is penetrating into every field quickly.E-commerce is a new way of online trade,which makes use of modern information technologies and internet.In E-commerce,almost every important action is related with internet,administration, selling,business negotiation and even payment are all done through internet.While the implementations of online payment function is the key for any e-commerce system.As a result,developing a convenient,reliable and secure online payment system is one of the biggest challenges for the e-commerce developing.There are various kinds of online payment solutions in E-commerce.According to different payment mode,there are 3kinds of payment systems[1]which are bank card payment system,electrical cash system and electrical check system.So far,bank card system is the most popular one.In B2C applications,customers can exchange the payment information with banks directly through payment platform based on SET or SSL.However,sometimes,in C2C applications,sellers and buyers can not trust each other during transaction.The buyers worry about that if they pay the bill first,their commodities may not be delivered.While the sellers worry about that if they deliver the commodities first,they may not receive the money.In fact,both buyers and sellers are afraid to lose vantage point and suffer losses[2].This paper attempts to introduce a third party online payment solution to resolve these problems.978-1-4244-5848-6/10/$26.00 ©2010 IEEEII.TPP P LATFORMA.Introduction of TPP platformThird party payment platforms[3]are supplied by third party independent institutions,which have already signed contracts with big banks and possessed capability and reputations.These institutions can be classified to service agent organizations with clear payment responsibility.At most circumstances,they only provide supporting services such as E-commerce business or personal E-commerce supporting and application supporting service.So,generally speaking,they are not involved in any specific E-commerce business directly.After selecting the commodities,the customers pay the money through third party payment platform in the transactions.And the third party is responsible for notifying the sellers to deliver the commodities.Once receiving their goods,the buyers tell the third party to transfer the money to the sellers.TPP platform brings the following advantages[5][6]:It reduces the risk of bad credit and the actions suck as returning or exchanging merchandise will not be problems any more.It promotes the cooperation between merchants and banks,which are propitious to break the bulwark of bank card;provides increment services and help the sellers’websites;and provides services such as real time transaction querying and transaction system analysis.TPP model has become the most popular E-commerce payment model,especially in C2C.Paypal in US and Aalipay in China have already achieved great success.B.Framework of TPP systemTPP system connects to buyers,sellers and financial institutions.Generally,TPP system consists of foreground trade components and background management components. The trade components are responsible for dealing with buyers’online transactions,while the latter one is used for dealing transactions with the banks,managing and querying online customers.The system framework is shown in figure 1[4].Figure1.The third party payment system frameworkBuyers and sellers need to register themselves to TPP system so that they can obtain their virtual accounts. Connecting these virtual accounts to the real accounts in the bank,the money in the real accounts can be transferred into virtual currency in virtual accounts,which is used for online transactions.TPP system achieves this process by building connection between platform and the banks.It also has operations related to virtual money and credit card accounts to provide the capability of transferring between virtual currency and credit card accounts.During the transaction, the money is kept by the third party temporarily which can be seemed as an interceder.If anything goes wrong with the transaction,the third party is responsible for negotiating with both sellers and buyers to decide what to do.C.The problems with TPP modelAlthough the TPP model has achieved great success, there are still some problems with it.[7]1)The system cannot prevent customers’vicious cheating:If the customers claim that they haven’t received the commodities while actually they did,and ask for returning the money,then what can we do?The problem is that there are lots of possible logistics can be chosen by the sellers,but it’s impossible for the system to monitor the flow of the commodities.Even if the system has the function,the cost is too much.And the worse thing is that there is no guarantee the cost can bring a just result.2)The sellers may not receive the money in time:TPP model defines that once the buyers receive the right commodities,they can login to TPP system and confirm the payment.Otherwise,if TPP system doesn’t receive the confirmation in a given time,it transfers the money to the sellers automatically.But the problem is that the confirmation sometimes is not made in time because of customers’negligence and the given time is too long(e.g.a month)in some circumstances.As a result,the sellers may not turnover their financing in time.So,a large numbers of sellers don’t accept TPP model because TPP is more advantageous for buyers than the sellers in fact.III.A NEW TPP MODELA.Introduce of the modelThe new model brings logistics companies into the TPP model in order to resolve the problems with the old model. It’s based on a modern logistics TPP model integrating material flow in E-commerce,financing flow and information flow.And this model can efficiently monitor the status of all of these flows,which resolves the problems mentioned above.The following show the process of the model,and figure2gives the virtue flow.1)The seller and buyer register themselves to third party payment platform,open their accounts(virtual accounts)and connect them to the real account in the bank.2)The buyer and seller make a deal.The buyer chooses logistics company,which is responsible for delivering the commodities.And all the detail information about the transaction(information of the merchandise,price,how to deliver the merchandise and so on)is uploaded to the TTP platform.3)The buyer logins to the third party payment platform, specifies the number of the remittance,and provides the seller’s virtual account to the third party.And the third party keeps the money temporarily.4)The third party payment platform transfers the information of the merchandise to the logistics company chosen by the buyer.According to the information,thelogistics company fetches the commodities from sellers and does some simple checking.5)When the buyer receives the merchandise and satisfies with it,he/she signs for the receiving.6)The logistics company uploads buyer’s signature to the TTP platform.7)If the buyer doesn’t satisfy with the commoditiy, he/she can refuse to sign for it.Then it will be returned to the sellers.And according to the contract,the buyer or seller pays for the delivering.Figure2.A new TPP model8)The buyer confirms the payment.Otherwise,if the confirmation isn’t received by the platform in a given time(e.g.3days),platform will automatically confirm the payment and transfers the money to sellers.Before the payment confirmed,the buyer can file a claim with the transaction if the commodity is fake or inferior;Section B gives the detailed solution of the dispute.9)The seller changes the virtual money into real currency in the bank account.B.Transaction dispute if occuredIf the buyer finds that the commodity is not the exactone as described before,such as an imitation brand,she/he can file a claim in the TPP platform in the given time.TheTPP platform deals with the transaction dispute as following flows:1)The buyer logins TPP platform and files a claim with the deal.The TPP platform accepts the claim and creates a claim record.2)TPP platform notices both buyer and seller to provide relevant certified material,such as test result of authority,supporting documents of product after-sales sector.3)Based the certified material,the TPP platform arbitrates the dispute between the buyer and seller.4)If TPP platform concludes that the seller should accept the return of the commodity,both the buyer and seller would receive the announcement.5)The buyer returns the commodity by the logistics company which delivered the goods before.6)After the logistics company return the good to the seller and the signature information is uploaded,TPP platform automatically transfer the money back the the buyer’s account.C.Personal credit systemEvery successful transaction will add the seller’s personal credit points in the TPP platform based on the transaction amount.The more credit points seller get,the more trading reputation he wins.Table1gives an example of credit points and the corresponding transaction amount.TABLE I.C REDIT POINTS AND TRANSACTION AMOUNT Transaction Amount(Us Dollar)Credit Points0-10.11.01-100.210.01-1000.5100.01-10001>10002D.Modern logistics in the systemThis system relies on the material flow companies. And these companies should satisfy the following requests: 1)Software and hardware facilities of the logistics companyThe system requires that the logistics companies exchange information with the other components efficiently,and response quickly.Besides,these companies should have mature software system control the whole process in order to improve the working efficiency as much as possible.2)The deliverymenThe system requires that the deliverymen possess basic knowledge about commodities,so that they can tell whether the commodities are ok or not.It can help reduce dissension,prevent vicious cheating and improve the success rate of transactions.Today,most of this famous logistics companies such as UPS,FedEx,DHL have already satisfied these requests for software,hardware or deliverymen.However,the majority of domestic companies are far away from these requests,especially post logistics.IV.C ONCLUSIONOnline payment has become the bottleneck of the E-commerce developing.The problems with payment and distrusting between buyers and sellers can be resolved by building a reliable third party payment platform.This paper introduces a TPP model integrating with logistics, which can synthesize material flow,financing flow and information flow.This model can protect the rights and interests of both the sellers and buyers.And the results in this paper then imply that the system can succeed under C2C transaction model.R EFERENCES[1]Bo Meng,Qianxing Xiong,“Research on electronic paymentmodel”,Computer Supported Cooperative Work in Design,2004.Proceedings of the8th International Conference onVolume1,26-28May2004p597-602Vol.1.[2]Ramaswami,Sridhar N,Strader,Troy J.“The value of sellertrustworthiness in C2C online markets”Communications of the ACM,v45,n12,December,2002,p45-49[3]Dong Yu-Min,Shuai Dian-Xun,“Impartial e-business technicalsystem based on trusted third party”Computer Integrated Manufacturing Systems,CIMS,v11,n4,April,2005,p592-596. [4]Liu Jingwei,Kou Weidong,Sun Rong“Fair e-payment protocols”Proceedings of the9th International Conference on Computer Supported Cooperative Work in Design2005,p123-127.[5]FRANKLIN,M.K.AND REITER,M.K.1997.Fair Exchangewith a semi-trusted Third Party.In Proceedings ofthe4th ACM Conference on Computer and Communications Security,T.Matsumoto,Ed.Zurich,Switzerland,p1-6.[6]ASOKAN,N.,SCHUNTER,M.,AND WAIDNER,M.1997.Optimistic Protocols for Fair Exchange.In Proceedings of the4th ACM Conference on Computer and Communications Security,T.Matsumoto,Ed.Zurich,Switzerland,p7-17.[7]Matthew K_Franklin and Michael K Reiter.Fair Exchange with aSemi Trusted Third Party In Proceedings of the4_th ACM Conference on Computer and Communications Security April 1997,p124-13。