An Innovative Study Of Mobile Payment Models Based On The Internet

Internet thought has a huge impact on social economy,continuously to the economic subject to innovative thinking mode,with the continuous development of Internet technology and the popularization of mobile communication equipment,mobile payment is becominganimportant part of the global payment system and an important direction for the future development of electronic payment business.Through its own accumulated huge users,Alipayof Alibabahas also become the pioneer of the third-party payment,and the innovationwhat it bringshas already become the representative of the mobile payment innovationat the present of China.Some time ago,qr-code paymentwas very hot and widely used for its fashion and convenient using experience,that made the qr-code payment become the mainstay of mobile payment.On September 10,Apple released its sixth generation iPhone,the most outstanding innovation is Apple Pay based on NFC technology,which Pay for Apple ’s ambition on payment.In addition,YiBaZiPa’s fresh foods imported co.use "face pay payment system" which researched and developedby Sino technology recently located in Shanghai,citizens can just "brush" face and hands to buy goods.This innovative payment systemhas already recognizedbyUnionPay and other banks,citizensdon’t need to take creditcards,mobile phone,also need not account,password and customers can complete the payment through the face and hands.It is clear that mobile payment is gradually entering our daily life.At present,payment innovation isnearly based on the current financial innovation of the mobile Internet,to improve the using experience and increase user viscosity;or increasing the liquidity of funds,reducing the pressure of capital chain.In the long run,itcaneven replace the issuance of credit currency.At present,under the mobile Internet,with the mature of big data and cloud computing technology,the innovation of the mobile payment is under the background of the rapid development.Pay innovation influences the financial development trend,also increasingly become an important force in social and economic development.Through innovation,all kinds of members ofpayment industry can effectively promote the industry status,and it’s sure that innovation that meet the need can create more value.Combining payments theory and innovation theory,I analyze the innovative of mobile payment comprehensively.First,I described the construction and development of China’s payment system,overall grasp the mobile payment in China’s payment system status,and through the promotion of China’s payment system,payment innovation in the industry obtained a general manner and purpose.Secondly,in order to further understand the key drivers of mobile payment industry innovation,based on the college students,financial sector workers as well as mobile payment industry insiders conducted a questionnaire survey to collect relevant data,combined with the general multivariate Logistic model to collect data analysis and mining.Then,this article from the development of mobile payment and mobile payment mainly in the form of presentation,and innovation through the induction current mobile payment mobile payment innovation boils down to business model innovation,technological innovation model innovation and profit model into three categories,and for each type of innovation has defined and exemplified.Finally,choose Apple paid for the study,introduces concepts and development status of Apple’s pay,and pay Apple introduced the payment process when used in essence,with three innovative modes summarized above,a more comprehensive analysis of the apple payment innovations and successes in order to draw some inspiration.