未来个人电子货币支付技术：IrFM

Future Personal E-payment：IrFM

目前带有红外线数据传输（IrDA）口的移动通讯终端，像移动电话、PDA等，已经广泛普及。电子设备制造技术的快速发展及数字终端使用者消费能力的提高是新的电子货币支付系统得以实现的基础，并势必改变传统的货币支付方式。红外线金融通信IrFM标准是一种利用标准IrDA端口进行室内红外线通信的规范，在未来电子货币支付系统的实现中具有广阔前景。全面分析了IrFM，并就该系统连接速度、安全性、可靠性、易操作性，互操作性等做了阐述，简要介绍目前该技术在各个国家的应用情况。

There is widespread distribution of millions of mobile devices such as mobile phones and PDAs with Infrared Data Association（IrDA） ports to consumers worldwide.R.apid advancements in both device technology and users＇ capabilities are the foundations for a new digital payment system,which promises to change the traditional method of payments.By utilizing standard IrDA indoor infrared technology,Infrared Financial Messaging（IrFM） is a financial messaging specification with great prospects for future digital payment systems. In this article, we carry out a comprehensive analysis of IrFM, Investigate Issues concerning connection speed,security,reliability,simplicity,and interoperability of IrFM, and compare the current status of IrFM with others potential technologies in several countries.