| In recent years, the Internet economy with the rapid development has led to a new round of revolution in market economy, especially in the financial sector. The progressive development of online banking, online payment, and other functions to the traditional banking sector and the emerging markets organic unifies formed a unique fresh product to this time in together. The leading product, Third-party payment, taps the correspondence of online and offline fully, analyzes the development of the O2 O business model, and will make the pay-life to be easier and more interesting gradually.After the exploration phase of capital drive, the beginning phase of technology products drive, third-party payment began to enter the developing phase of "user needs" drive. With the design and operation skill mature gradually, it is hard to explore from the perspective of technology single to enhance the competitiveness of enterprises in the future development potential. So if the enterprise want to stand out from so many competitors and lead the development of the industry, he must fully focus on the user experience to find the user’s potential demand and psychological feelings.So, with the help of the Chinese and foreign user experience models of third-party payment, the author combined the development of the status and created the evaluation system of the third party pay user experience. The author verify the accuracy of the evaluation system through comparing the result of post data on the user’s interview and the authority issued. |