Research Of Mobile Payment Based On The Perspective Of Internet Payment

2013 was the first year called Internet banking, in this year, the Internet thinking subvert the pattern of the financial industry. Internet enterprises have accelerated expansion in financial industry speed, P2P loan, crowd funding, Yu’ebao and other new Internet financial forms have emerged. The popularity of Internet payment is the main reason for the rapid development of Internet finance, users are accustomed to using computer shopping, financial management, and account management. In 2014, with the outbreak of mobile payment, Internet Financial have subverted all traditional industry trends. Some people think that only simple mobile payment terminal changed. In fact, the payment terminal changes have subverted the entire payment industry. In the payment application scenarios, to solve the security problem, payment mode shape, the user habit training, integration of industry chain and other aspects have undergone new changes. By proceeding from the mature Internet payment perspective, to provide experience and lessons for the healthy development of mobile payment industry.This article launches from the following specific aspects. The introduction part discusses the background, purpose and significance of the research, elaborated the mobile payment related concepts, to lay the foundation for the following research. The second part of this article through the PEST analysis method to study the macro environment of mobile payment system. The study found that both the political environment, economic environment, social environment or the technical environment, provides the soil for the outbreak of mobile payment, mobile payment is to represent the general trend of development. The third chapter mainly through the Internet payment and mobile payment market transaction scale and structure of data comparison, shows that mobile payment is crowding out Internet payment space. Convenience and rich application scenario of mobile payment can be better with the combination of traditional industries, the mobile payment has better prospects for development.The fourth chapter discusses the problems in the process of Internet payment to mobile payment, mainly in the payment security and industrial chain collaboration. Based on the analysis of the emergence of new payment security industry chain and provides a way to solve the problem. The article finally has carried on the summary and outlook of the research. Previous research proved that mobile payment has good prospects for development, has become a great impetus to the development of Internet banking in china. But with the Internet payment compared to produce new problems need to be solved. In order to realize the healthy development of mobile payment, the banking system and the operators need to cooperate, to ensure the interests of all parties. In the joint efforts of various parties, mobile payment era is coming.