What are some examples of mobile payment in life?

Mobile wallet can also be called "small mobile payment". This method is simple and easy to operate, and is widely used abroad at present. The characteristics of mobile wallet are mainly based on the customer's phone bill account or the consumer 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 then press the key according to the prompt information to automatically purchase the required goods. 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 management 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. The customer's bank account, personal password, business agent and transaction amount are sent to the relevant bank, and the bank will return the results to the mobile phone after processing, thus completing the service of mobile banking. Mobile banking enables users to complete telephone charges, utilities, gas charges, cable TV charges, etc. Pay by mobile phone without leaving home, you can also check account balance and 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 point-to-point 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. Due to 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.