How to do mobile payment service?

Mobile payment is mainly divided into near-field payment and remote payment. The so-called near-field payment means that when consumers buy goods or services, they immediately pay the merchants through their mobile phones, and the payment is processed on the spot, and local communication with vending machines and POS machines is realized through channels such as NFC, infrared and Bluetooth of mobile phones. NFC near field communication is the mainstream technology of near-field payment at present. It is a short-distance high-frequency wireless communication technology, which allows non-contact point-to-point data transmission and data exchange between electronic devices. This technology is developed from RFID radio frequency identification and is compatible with RFID technology. It was first promoted by Philips, Nokia and Sony, and is mainly used for handheld devices such as mobile phones.

Remote payment is a payment method by sending payment instructions (such as online banking, telephone banking, mobile phone payment, etc.) ) or through payment instruments (such as mail and remittance). Remote payment generally refers to online payment, which refers to the payment method of using mobile terminals to access the mobile payment background system through mobile communication network to complete the payment behavior. According to the transaction object, remote payment can be divided into remote transfer (person-to-person) and remote online payment (person-to-enterprise). The typical long-distance payment process is that after users buy products on e-commerce websites through mobile terminals, they jump to mobile banking or third-party mobile payment pages according to the payment interface provided by merchants to complete the payment. In addition, mobile payment through SMS and interactive voice response also belongs to remote payment.

Characteristics of mobile payment

Mobile payment is an electronic payment method, so it has the characteristics of electronic payment, but it has its own characteristics because of its combination with mobile communication technology, radio frequency technology and Internet technology.

Mobility: Portable mobility, which eliminates the limitation of distance and area. Combined with the mobility of advanced mobile communication technology, we can get the required services, applications, information and entertainment anytime and anywhere.

Timeliness: It is not limited by time and place, and information can be obtained more timely. Users can inquire, transfer money or shop at any time.

Customization: Based on advanced mobile communication technology and simple mobile phone operation interface, users can customize their own consumption patterns and personalized services, making account transactions simpler and more convenient.

Integration: With the mobile phone as the carrier, operators can integrate various information such as mobile communication cards, bus cards, subway cards and bank cards into the mobile phone-based carrier for integrated management and build a supporting network system, thus providing users with very convenient payment and identity authentication channels.

Mobile payment using method

Short message payment: It is the earliest application of mobile payment. It establishes a one-to-one relationship 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 transactions can be made anytime and anywhere. Mobile SMS payment service emphasizes mobile payment and consumption.

Scan code payment: it 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 code, and print it 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 receiving and contact information of the user in the payment transaction information.

Fingerprint payment: that is, fingerprint consumption, that is, using a mature fingerprint system for consumer authentication, that is, customers use fingerprints to register as members of the fingerprint consumption discount alliance platform, and can complete consumer payment through fingerprint identification.

Acoustic wave payment: the near-field identification of two devices is completed by the transmission of acoustic 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.

How to realize mobile payment?

To realize mobile payment, in addition to a mobile terminal that can be networked, it is also necessary for mobile operators to provide network services, banks to provide online payment services, and mobile payment platforms and merchants to provide goods or services.