Mobile Payment Development And Direction

As the 3G era is coming, people pay more and more attention on mobile payment. According to statistics, the current domestic mobile phone users has exceeded 800 million, and the overall number of domestic mobile payment users scale will reach 220 million up to 2011, which showing special growth on the user number. It is foreseeable that mobile payment will become an integral part of consumer life in the near future. More and more transactions will be achieved and completed through mobile payment.In China, the development of mobile payment is still in its infancy, it is still relatively far away from real life of the major users.Based on the research on specific cases of mobile payments, this paper aims to sort out the context of the development of domestic mobile payments market, identify the issues of the development of the domestic mobile payment, and given a solution for mobile payment and make judges on the future of mobile payment from the operational level.First, the paper systematically introduces the definition and classification of mobile payments, its technologies and businesses, industry chain structure, operation mode. Second, the development of mobile payment status and volume is introduced in details. Then it is the core of this paper, absorb the successful experience of mobile payments abroad and to analyze the development of domestic mobile payment issues through case studies. Finally, given the possible solutions according to the specific programs of CUP camp, camp operators, third-party payments, and given the author's view on the future direction of the domestic mobile payments.