Research And Application Of Mobile Payment In The Operator

Mobile payments are currently being developed in a means of payment. Payment is to complete the consumer. With people's living standards improve and the accelerating pace of life, people's spending power is growing, more and more consumers prefer to convenient and security of payment. Mobile payment is most characteristic of its convenience, consumers can only through a mobile phone anytime, anywhere to complete a variety of consumer. Mobile payment industrial chain has three main players: operators, financial institutions and third-party service providers. As long as there is a good business model and the joint efforts of the whole industrial chain, mobile payment will be acceptable to consumers. Consumers to enjoy the tremendous mobile payment convenient, will pay for the whole industry chain for mobile phones tremendous room for growth and economic benefits.By analyzing the mobile payment-related concepts, the main technical means of implementation, composition and operation mode of the industry chain, analyzes and summarizes the status of domestic and international mobile payment industry, and learn from more mature foreign mobile payment model. Combined with the domestic situation and development direction of mobile phone users as well as foreign demonstrated mobile payment mobile payment market is a potential huge market. From the national industrial policy, economically, social and environment, and summarizes the favorable and unfavorable factors of mobile payment in china, The whole mobile payment industry's development posed the proposal accordingly. And summarized the safety of the importance of the mobile payment.This paper summarizes the implementation of mobile payment in specific core areas - access link, and around this core part of the analysis demonstrated. Further elaborated in the mobile payment industry chain development of the major participants in the status and direction of development, who led in the end solved the problem the entire industry, and from technology, advancing the costs, management experience and development trends in aspects of the detail and argument. This article also gives the operator the implementation of the ** specific implementation plan, developed a detailed promotion plan, from the integrated payment platform, business cooperation, service providers and financial cooperation in four major areas discussed in detail. Finally summary and analysis of mobile payments will eventually grow to support the development of a revolutionary application of operators - mobile finance an important role. The article also highlighted the importance of training the user habits.This main conclusions are:First, the impact of China's mobile payment industry's fundamental problem is the uncertainty of industrial policy, and the distribution of profits arising from competition for the business model is not clear.Second, China's mobile payment industrial chain of the operation of the construction need to adhere to principles and values of value-added synergy principle, according to the core competence of each participant to build a mobile payment industrial chain, a clear chain of the core participants, the participants rely on their own advantage of the common areas of cooperation.Third, more suitable for China's mobile payment business model should be based on operators as the main domestic banks together resources and absorb its customers leverage their existing access terminal, together third-party service providers absorb its business resources for consumers to create a convenient and secure mobile payment environment, and constantly developed.