What does it mean that the bank sends a message saying that the cardholder has signed an express payment agreement with a certain platform?

First of all, agreement payment means that the customer can sign an agreement with the bank, bind the customer's bank account with the merchant's associated account, and directly enter the payment password of the merchant's associated account to complete the payment. Fast payment is an innovative payment concept of 20 13, which is convenient and fast, and it is the development trend of future consumption, and its characteristics are embodied in "fast". In short, you can pay directly for buying or selling things on the platform.

Why did the bank agree to access Alipay, a fast payment method?

As the lifeblood of the national economy, how does the bank consider the "virtual currency" flooding after access, or what kind of story Ma Yun experienced that touched the bank? In 20 10, the transaction volume of China e-commerce market has reached 4.5 trillion, and the market capacity is huge. The low success rate of online banking payment has seriously affected the online shopping experience of users, and new payment methods are urgently needed. The global financial crisis in 2008 has brought great impact to China's banking industry. Banks are no longer blindly conservative, and moderate innovation of financial products and retail transformation have become a trend. Location: Relying on the commercial resources behind it, Alipay has the bargaining chip with traditional banks (20 10, and the total transaction volume of Taobao platform exceeds 400 billion yuan); Strong IT and risk control capabilities make Alipay dare to take the initiative to bear potential payment risks and reduce the cooperation concerns of banks; People and people have to say that the high execution of Ali people's "opening roads on every mountain and bridging bridges when encountering water" and Mr. Ma Yun's lofty sentiments of "If banks don't change, we will change banks" make a seemingly impossible thing possible; Around 2006, Alipay conducted a survey on customers, the main content of which was to understand the services they wanted. Some users suggested that Alipay help them to set up a card, so that they can charge money into the card and save the trouble of opening various online banks. As a result, Alipay had the idea of issuing co-branded cards with banks, and this business was later called "Alipay Cartoon". "Alipay Cartoon" adopts a tripartite agreement, allowing banks to sign agreements with cardholders, Alipay and cardholders, and banks to sign agreements with Alipay in pairs. According to the agreement, once the cardholder loses money during payment, the loss will be shared by the bank and Alipay. However, the problem with this model is that banks are extremely averse to risk. Whenever risks are involved, it is difficult to continue negotiations, and only CCB is willing to cooperate. On June 5438+ 10, 2006, Alipay and China Construction Bank jointly launched a joint-name card named "Alipay Dragon Card" for the first time, which realized the binding between bank accounts and Alipay accounts. When users go to the counter of China Construction Bank to apply for Alipay Dragon Card, they only need to complete their Alipay account and complete the binding with the bank card, and there is no need to jump to online banking when paying. At the beginning, this business was piloted in five provinces and cities across the country, and the second batch of pilot provinces and cities increased to 12, and finally it was gradually extended to the whole country. Although "Alipay Cartoon" just meets the needs of these people, this model is not without problems.