Payment method of mobile payment

Mobile payment methods include: SMS payment, code scanning payment, fingerprint payment, sonic payment, etc.

Short message payment

SMS payment is the earliest application of mobile payment. There is a one-to-one correspondence between the user's mobile phone SIM card and the user's own bank card account. The user completes the transaction payment request under the guidance of the system short message instruction by sending short messages. The operation is simple, and it can be traded anytime and anywhere. Mobile SMS payment service emphasizes mobile payment and consumption.

Two-dimensional bar code payment

Scan code payment is a new generation wireless payment scheme based on account system. Under this payment scheme, merchants can compile transaction information such as account number and commodity price into two-dimensional codes and print them on various newspapers, magazines, advertisements, books and other carriers for publication.

The user can scan the QR code through the mobile phone client to realize the payment settlement with the merchant Alipay account. Finally, the merchant can deliver the goods and complete the transaction according to the contact information in the user's receipt and payment transaction information.

Fingerprint payment

Fingerprint payment refers to fingerprint consumption, and the mature fingerprint system is used for consumer authentication, that is, customers use fingerprints to register as members of the fingerprint consumption discount alliance platform, and consumer payment can be completed through fingerprint identification.

Acoustic wave payment

Then the near-field identification of the two devices is completed by using the propagation of sound waves. The specific process is to build the "sonic payment" function in the mobile phone client of the third-party payment product. After the user turns on this function, the microphone of the mobile phone is aimed at the microphone of the payee, and the mobile phone will play a "howling" sound.