移动支付业务现状及对策分析(定稿)_大学论文

毕业论文（设计）

题目：移动支付业务现状及对策分析

（英文）：Analysis of Current Situation and Strategies

in Mobile Payment Services

院别：计算机科学学院

专业：电子商务

姓名：李其凯

学号： 2006030443009 指导教师：冯文辉

日期： 2010年5月

移动支付业务现状及对策分析

摘要

随着互联网的普及、电子商务的兴起以及移动通讯技术的迅速发展,移动支付作为一种新兴的产业,在全球范围内展开了广泛的应用。移动支付是用户使用移动终端对所消费的商品或服务进行账务支付的一种新型服务方式。与传统支付方式的比较，移动支付是现代电子商务理想的解决方案之一，由于具有移动、实时、快捷的特性，移动支付还能解决一些传统支付无法解决的问题，提高传统商务流程的效率。它将是下一代支付的一种主要手段。

目前国内外移动支付主要应用于小额支付，因此移动支付的宏支付的应用研究是当前移动支付的研究热点。如何解决移动支付中宏支付的安全问题，以及如何最大限度整合移动支付产业链各方面的宏支付应用系统架构等都是急需解决的研究课题。

论文首先综述了目前国内外移动支付应用现状分析了移动支付优缺点，其次结合目前社会需求分析验证了移动支付将成为下一代支付的主要手段，同时指出了移动支付不是传统支付的替代，而是补充和加强。本文还重点研究了国内移动支付的产业链与运营模式的特点及支付实现关键技术。最后针对在我国现有移动支付系统上开展宏支付业务的一些难题提出了自己的解决方案。

关键词：移动支付、价值链、运营模式

Analysis of Current Situation and

Strategies in Mobile Payment

Services

Abstract

With the popularity of the Internet, the rise of electronic commerce and the rapid development of mobile communication technology, mobile payment, as a new industry in a global scale in a wide range of applications. Mobile payment is the user using a mobile terminal on the consumer accounts of goods or services paid for a new service mode. Comparison with the traditional method of payment, mobile payment is the ideal solution for modern e-business one, as a mobile, real-time, efficient features, mobile payment can solve some intractable problems of traditional pay and improve the efficiency of traditional business processes. It is a major means to pay the next generation.

At home and abroad micro-payment are mainly used, mobile payment, therefore the application of macro payment is the current hot spot. How to solve the support of macro payment security, and how to maximize the integration of all aspects of mobile payment industrial chain of the macro structure of payment applications are needed to solve

Paper first reviews the current status of domestic and international mobile payment applications and the advantages and disadvantages of mobile payments, followed by social needs combined with the current analysis demonstrate the next generation of mobile payments will become the primary means of payment, noting that mobile payment is not a substitute for the traditional pay, but

complementary and reinforcing. This article also focuses on the domestic mobile payment industrial chain and operating model in key technology and payment. Finally, paper introduces solutions for the difficult of macro payment using on Existing mobile payment system

Key words:Mobile payment, value chain, operating model