What does mobile payment include?

What are the common mobile payment methods?

The business types of electronic payment are divided into online payment, telephone payment, mobile payment, point-of-sale terminal transaction, ATM transaction and other electronic payments according to the initiation mode of electronic payment instructions.

Online payment

Online payment is a form of electronic payment. Broadly speaking, online payment is based on the Internet, using some digital financial tools supported by banks, financial exchange takes place between buyers and sellers, realizing online monetary payment, cash flow, fund settlement, inquiry and statistics from buyers to financial institutions and merchants, thus providing financial support for e-commerce services and other services.

telephone payment

Telephone payment is an offline form of electronic payment, which refers to the way that consumers use telephones (fixed telephones, mobile phones, PHS) or other terminal devices similar to telephones to directly complete payment from personal bank accounts through the banking system.

mobile payment

Mobile payment is a new payment method that uses mobile devices to complete payment by wireless means. The mobile terminal for mobile payment can be a mobile phone, PDA, mobile PC, etc.

What are the ways of mobile payment?

There are many payment methods, including online payment and offline payment. There are fast payment, gateway payment and cardless payment on the Internet. There are mobile phone card readers, MPOS, mobile POS, wired POS and flash payment offline. There are also some relatively unpopular fingerprint payment, face payment and so on. ...........

What are the four forms of mobile payment?

Mobile payment refers to a system that allows users to purchase goods or services directly through mobile devices, or realize currency exchange by using various specific technologies for mobile devices. At present, there are four main forms of mobile payment, namely operator billing, NFC (Near Field Communication) payment, credit card payment and application payment.

What is mobile payment?

Mobile payment, also known as mobile payment, refers to a service mode in which users use their own mobile terminals (usually mobile phones) to pay for the goods or services they consume. Units or individuals directly or indirectly send payment instructions to bank financial institutions through mobile devices, the Internet or short-distance sensing, resulting in monetary payment and fund transfer, thus realizing the function of mobile payment. Mobile payment integrates terminal equipment, Internet, application providers and financial institutions to provide users with financial services such as monetary payment and payment.

Mobile payment is mainly divided into near-field payment and remote payment. The so-called near-field payment is to take a car, buy things and brush your mobile phone, which is very convenient. Remote payment refers to payment methods by sending payment instructions (such as online banking, telephone banking, mobile phone payment, etc. ) or with the help of payment tools (such as mail and remittance), such as handheld payment, handheld recharge, handheld video, etc. Mobile payment has a bright future. According to the "20 13-20 17 China mobile payment industry market prospect and investment strategic planning analysis report", the global mobile payment market will expand by 3 1% to 235.4 billion US dollars in 20 17, and will expand by more than three times in 20 17.

Hope to adopt! ! thank you

What are the ways of mobile payment?

At present, there are many mobile payments: online banking payment, Alipay, WeChat payment, mobile and package payment, Yifubao payment, Jingdong payment, Baidu wallet payment and so on.

What is mobile payment?

Mobile payment is a payment behavior carried out on mobile phones, such as mobile phone group purchase and transfer. As long as the funds flow and exchange realized on the mobile phone, it is considered as the category of mobile payment.

Mobile payment is also a part of internet payment, which needs the network to realize, but it can't be called in such a general way, because paying by computer is also internet payment. At present, with the popularity of mobile phones, mobile payment has quickly become the mainstream payment method. But you should pay attention to your payment safety. Recently, Penguin Company, together with Shanghai Pudong Development Bank and other enterprises and institutions, launched the Joint Guarding Plan for Mobile Payment Security. In view of users' concerns about the security of mobile payment, it enhanced the security by sharing the resources of participants in the plan, so that all users who installed Tencent Mobile Manager could enjoy the highest level of security. At the same time, it also launched the planned star version of Tencent mobile phone housekeeper with enhanced payment security. You can try.

What are some examples of mobile payment in life?

1. Mobile wallet

Mobile wallet can also be called' small mobile payment'. This method is easy to implement and is widely used abroad at present. The characteristics of mobile wallet are mainly based on the customer's telephone account or the consumption and shopping activities of mobile operators associated with the customer's bank card account. For example, a user can dial a specific number on a delicious coke machine or subway ticket vending machine, and press the key according to the prompt information, so that the required goods can be purchased automatically. After the purchase is successful, the user can receive a confirmation message, and the money purchased will be automatically deducted from the phone bill.

2. Mobile banking

Mobile banking connects customers' mobile phones to banks through mobile communication networks, and directly completes various financial services through mobile phone interfaces. Mobile banking can be said to be an e-commerce service on the mobile communication network. Customers use large-capacity SIM card with bank key, namely STM card, and operate through SMS. Send the customer's bank account, personal password, business agent, transaction amount and other information to the relevant bank, and the results will be returned to the mobile phone after being processed by the bank to complete the service of mobile banking. Mobile banking enables users to complete telephone charges, utilities, gas charges, cable TV charges, etc. You can also check the account balance, stock and foreign exchange information, and complete banking services such as transfer, stock trading and foreign exchange trading.

3. Mobile payment

Mobile payment is to add a third party between mobile operators and commercial banks, such as China UnionPay. This third-party transit platform is different from the above two peer-to-peer business models, and it can realize the function of "one point access, multi-point service". The main business items of mobile payment include inquiry, payment, consumption and transfer. Because of the intervention of the third party, it is easier for banks and telecom operators to coordinate their technology and business. Mobile payment is considered to be more promising than the first two methods.

What are the ways of mobile payment?

1 Prepaid card 2 Bank card without online banking (bank card is quick): savings card+credit card. IVR verification mode, SMS verification mode.

Third-party companies: Alipay, Tenpay, etc. (WAP, client, SDK)

4 mobile phone bill payment

What are the operating modes of mobile payment?

Operator billing

The payment mode of operator billing means that the whole payment process is arranged by the operator, and the user only needs to send SMS authorization, and the operator handles the whole payment process for the user and extracts part of the profits. The fees paid by users will be directly included in the mobile phone bill.

Advantages: For consumers, one advantage of this payment method is that it is very convenient. As long as you send a text message to authorize, you can complete the transaction.

● Disadvantages: Operators usually take the bulk of profits, sometimes as high as 15%-50%.

Operator billing will have a big market for a long time in the future and will become an important part of mobile payment. However, according to industry forecasts, this payment method is unlikely to break out and become the mainstream of mobile payment. With the maturity of other mobile payment schemes, this payment method is likely to gradually fade out of the market.

Near field communication

NFC technology is a short-distance high-frequency wireless communication technology, which allows contactless point-to-point data transmission between electronic devices (within 10 cm). This technology is developed from contactless radio frequency identification (RFID), which is recognized by backward compatibility. It is mainly used to provide M2M (short for machine machine) communication in handheld devices such as mobile phones. NFC mobile payment allows people to completely get rid of POS machines and complete the payment process at close range through mobile phones or NFC devices. At present, this technology has been applied to bus IC cards and access cards in some areas.

● Advantages: Compared with the traditional short-distance communication payment, NFC payment has the advantages of security and fast connection establishment. The use distance of this payment is less than 10 cm, which can avoid mutual interference between devices. In addition, the time to establish the connection is less than 0. 1 sec, which ensures the safety of user payment and has low cost.

● Disadvantages: The popularity of NFC needs a large number of hardware devices to support it, and the premise for mobile phone manufacturers and financial institutions to deploy a large number of hardware devices is that there is a large enough market. In addition, this payment method is also faced with the standard of who to use, what to do if the user's mobile phone is lost, and how to set the payment limit.

Due to the high security of NFC payment, this technology is considered by the industry to have great development prospects in mobile payment and other fields. As a mature payment technology, NFC has been applied in many fields. According to the industry forecast, once the industry standard of mobile payment is unified, NFC payment is likely to become the mainstream mobile payment means in the future.

Credit card payment

Credit card payment means that users can use mobile card readers provided by hardware manufacturers to cooperate with smart phones. They can match credit card spending through applications in any 3G or WiFi network state. It enables consumers and businesses to pay and collect money anywhere and save the corresponding consumption information, which greatly reduces the technical threshold and hardware requirements of credit card consumption payment.

● Advantages: Because it conforms to the existing consumption behavior and payment network-credit card, this payment method saves the process of letting consumers develop new consumption habits, and people can use this mobile payment method just like swiping a credit card.

● Disadvantages: Users need to buy a card reader, about one or two hundred yuan.

Credit card payment is more acceptable because it conforms to consumers' existing payment habits, especially for some consumers who are used to credit card consumption and worried about safety. According to the industry forecast, this mobile payment method will have a good development prospect.

pay on application

The use of APP payment on smart phones is accompanied by smart phones represented by iPhone, which benefits from the app usage habits of i-Phone. In the iOS6 operating system released by Apple, there is a new application Pass-book, which can help users manage all kinds of electronic tickets, including boarding passes, membership cards, ball tickets, gift certificates and coupons, directly replacing those physical plastic cards. At the same time, Pas *** ook can provide consumers with mobile payment function after passing Apple authentication.

● Advantages: The application payment method conforms to consumers' usage habits of various applications and incites the future of the mobile payment market.

● Disadvantages: It is not an easy task for users who just start using smart phones to integrate such a complex open solution into APP applications and cultivate users' habit of using this solution.

However, with the rapid rise of mobile devices such as smart phones and tablet computers, mobile applications show explosive development. Only apple's >>

What is mobile payment?

Mobile payment refers to the capital flow based on the mobile network platform and using modern intelligent devices such as mobile phones, PDA and notebook computers to serve commercial transactions anytime and anywhere. In short, it is a service model that allows mobile users to use their mobile terminals to pay for the goods or services they consume.