Party payment transaction process: third-party payment model allows businesses to look at less than the customer's credit card information, while avoiding the repeated public transmission of credit card information in the network caused by the credit card thefts. General mode of operation for the third-party payment: the buyer to purchase goods account payment is provided by the third-party platforms, third party to take online payment gateway custody of the purchase price is received, notify the seller payment credited into account the requirements of merchant shipping; buyer after receipt of the goods, inspection of goods and confirm, inform the third party payment; third-party transfer of their funds to the seller's account. The essence of the process of this transaction to complete the settlement of credit guarantee intermediary services.

1. Consumers must be registered as users of Alipay, and maintain a PayPal account to pay enough cash (you can recharge through online banking to achieve);
2. If there is no PayPal account, Alipay to provide online payment function of the major banks;
3. Alipay shopping, select the online payment, and then select the Alipay payment to pay after the success of Alipay immediate delivery after receipt of the goods, Alipay to acknowledge receipt of the goods;
4. After the receipt of goods according to the mode of transport (express delivery, surface mail or EMS) arrive after a certain period of time, if not confirmed payment, the payment will automatically enter the seller's account;
5. Use Alipay payment for consumers, and do not require any fee. (Non-Taobao transactions, more than 5000 yuan a month to collect the small fee)

1.Brand strategy
Alipay since the beginning of the establishment, on the adoption of the strategy to waive the transaction fees and other free services, its competitive strategy is to let new participants to adapt to online transactions, online payment habits and transferred to the Company's website up to promote a competitor's experience . February 2, 2004, Alipay launched remittance free of charge, either city or off-site transactions, will be no charge for transactions completed through Alipay.

Meanwhile, despite the free service, but are equally committed to provide first-class customer service call center for members.

The ndv campus e-commerce - North China Institute of Science and Technology campus e-commerce platform this brand strategy, establish Alipay brand has achieved a great service.

2. Focus on solving the credit problem
Alipay, the original secured transactions, have been proposed or the introduction of real-name authentication, digital certificates, payment of the shield and other measures, and adhere to the free provision of services. In the number of users exceeded one hundred million to pay to upgrade the trust plan in 2007. The previous proposal is more like the popularity of a concept at this time to upgrade this many people feel empty trust plans to have practical significance. After the establishment of strict standards and a large number of merchants audit, Jingdong Mall, Giordano, Daphne, eLong, Green Forest digital fourteen shopping sites reviewed, the first batch on the website posted Alipay trust business "golden logo. They also announced that consumers in the future in the trust business shopping event of fraud, Paypal will be liable for compensation. In fact, in these huge amounts of data based on the Taobao sellers credit Alipay transaction records has become the most treasured capital Taobao sellers and buyers to make purchasing decisions is the most important reference factors.

Construction Bank and Alipay to launch the sellers credit even to these huge amounts of data as a judgment credit, decided to loan the most important factor. Accumulation of credit compared to traditional bank lending and repayment record, this kind of transaction records is undoubtedly much more detailed and accurate.

Selection of the best business model in 2008, Paypal won the title of the best business model. Performance Alipay "good business model itself has a social responsibility or social responsibility into the business model into the" concept.This strategy has been widely recognized by the people, to establish a brand Alipay feats.

Alipay even started for a number of external business credit card processing gateway guarantee. Shao Xiaofeng, said, "After more than four years of development, Alipay has accumulated vast amounts of data. In addition to the merchant's license, business license, merchandise authorization static information, as well as merchants in the payment on a large number of dynamic information, including a variety of transactions and payments, plus pay the treasure with external merchants, the exchange of large amounts of information by external agencies, the combination of the three data Alipay to create a credit system to provide a foundation. "