report released, according to the bank on the net in the business of bank accounts for the rise rapidly, and most of trading via telephone, computer networks, rarely meet bank and customers, the bank customer to bring very great difficulty, also became the money laundering risk prone, high-risk areas.

2.1.4 Compared with the traditional payment

In the absence of effective credit system network environment, the introduction of the third-party payment mode, to a certain extent solved the payment of the bank on the net can't deal with constraints on both sides and supervision, payment is unitary; And in the entire transaction process, quality requirements, transaction integrity, return of goods can't get reliable guarantee; Widespread fraud and other issues. Its advantage embodies in the following respects:

First of all, for businesses, through the third-party payment platform can hedge the risks of unable to receive the customer payment for goods; at the same time can provide customers with a variety of payment tool. Especially for small and medium-sized enterprises that can not gateway interface with the bank provides a convenient payment platform.

Secondly, for the customer, not only can hedge the risks of unable to receive the goods, and the quality of the goods to a certain extent, also has the security, enhance the confidence of the customers online trading.

Third, for Banks, bank through a third party platform can expand business scope, but also saves for a large number of small and medium-sized enterprises provide gateway interface development and maintenance costs.

Visible, third-party payment mode effectively protects the interests of the parties and provide support for the transaction smoothly.

2.2 The Definition of consumer Behavior

2.2.1 The Features of consumer Behavior