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移动支付,是指借助移动通信终端和设备(如:手机、PDA、笔记本电脑等),通过移动通信网络或无线方式所进行的资金划拨、缴费和购物等商业交易活动[1]。依据用户进行交易时支付方式的特征,可将移动支付广义上分为远程支付和非接触式(近距离)支付,根据POS是否需要联机进行支付处理,非接触式支付又可分为离线支付和在线支付。[2]本文从移动商务、移动支付体系概念及消费者心理接受
Mobile payment refers to commercial transactions such as fund transfer, payment and shopping through mobile communication terminals and devices (such as mobile phones, PDAs, laptops, etc.), mobile communication networks or wireless networks. According to the characteristics of the payment method when the user is trading, the mobile payment can be broadly divided into long-distance payment and non-contact (short-distance) payment. According to whether the POS requires online payment processing, the non-contact payment can be divided into offline payment Online Payment. [2] This article from the mobile commerce, mobile payment system concepts and consumer psychology to accept