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为满足公众对移动支付不断增强的需求,推动移动支付的快速发展,分析了移动支付的整个产业链,确定移动支付的最佳商业模式,即移动运营商、银行、支付平台和终端。根据商业模式提出实现移动支付的系统解决方案,并对产品方案的核心单元RFID手机的关键技术给予了分析,给出了RFID手机关键技术的实现方案。最后对主要业务流程包括大额支付、小额支付、充值和挂失等功能给予说明。
To meet the growing public demand for mobile payment and promote the rapid development of mobile payment, the entire industry chain of mobile payment is analyzed to determine the best business model for mobile payment, namely mobile operators, banks, payment platforms and terminals. According to the business model, a systematic solution to realize mobile payment is proposed. The key technologies of RFID mobile phone, the core unit of product solution, are analyzed. The key technologies of RFID mobile phone are given. Finally, the main business processes, including large payments, small payments, recharge and report the loss and other functions given.